Departments

The following bankruptcy petitions were recently filed in U.S. Bankruptcy Court. Readers should confirm all information with the court.

Alicea, Nelson
a/k/a Alicea, Maxine
16 A Maple Crest Circle
Holyoke, MA 01040
Chapter: 7
Date: 04/09/2008

Almodovar, Rosemary
74 Tokeneke Road
Holyoke, MA 01040
Chapter: 7
Date: 04/15/2008

Bailey, Kathleen A.
92 Vienna Ave.
Ludlow, MA 01056
Chapter: 13
Date: 04/08/2008

Bell, Holly M.
7 Oak Bluff Circle
East Longmeadow, MA 01028
Chapter: 7
Date: 03/31/2008

Biando, Joshua A.
29 Aspen St.
Ware, MA 01082
Chapter: 7
Date: 04/07/2008

Bickel, Floyd Norman
45 Lake Ave.
Orange, MA 01364
Chapter: 7
Date: 04/14/2008

Bilodeau, David C.
224 West St.
Ware, MA 01082
Chapter: 7
Date: 04/08/2008

Birks, Dennis W.
Birks, Rebecca A.
a/k/a Rydzak, Rebecca A.
18 West Glen St.
Holyoke, MA 01040
Chapter: 7
Date: 04/15/2008

Bliss, Marylou
a/k/a Czerwinski, Marylou
10 Wood Ave.
Florence, MA 01062
Chapter: 7
Date: 04/11/2008

Borek, Paul B.
Borek, Linda G.
246 Beauchamp Ter.
Chicopee, MA 01020
Chapter: 7
Date: 04/14/2008

Burchard, Gary A.
128 Oak Hill Road
Pittsfield, MA 01201
Chapter: 7
Date: 04/04/2008

Caraballo, Jose E.
Caraballo, Milly G.
128 Carver St.
Springfield, MA 01108
Chapter: 13
Date: 03/31/2008

Carroll John T.
55 Holly St.
Pittsfield, MA 01201
Chapter: 13
Date: 04/11/2008

Cayo, David W.
91 Steiger Dr.
Westfield, MA 01085
Chapter:
Date: 04/15/2008

Chartier, Arthur E.
65 Bernard St.
Springfield, MA 01109
Chapter: 7
Date: 04/14/2008

Cote, Lorraine A.
104 Johnson Road, Unit 704
Chicopee, MA 01022
Chapter: 7
Date: 04/08/2008

Couture, Raymond W.
67 Littleton St.
Springfield, MA 01104
Chapter: 7
Date: 04/02/2008

Dame, Christinna L.
39 Maple St.
Ware, MA 01082
Chapter: 7
Date: 03/31/2008

Daubney, Fleurette T.
21C Miles Morgan Court
Wilbraham, MA 01095
Chapter: 7
Date: 04/01/2008

Davies, Deborah J.
36 Deep Field Road
Springfield, MA 01118
Chapter: 7
Date: 04/10/2008

Desrosiers, Jocelyn L.
27 Woodcrest Court
Chicopee, MA 01020
Chapter: 7
Date: 04/07/2008

Desrosiers, Helen T.
37 Flint St.
Springfield, MA 01129
Chapter: 7
Date: 04/10/2008

Deyo, Jerry T.
17 Mason St.
Palmer, MA 01069
Chapter: 7
Date: 04/15/2008

Digilio, Susan F.
19 Jonathan St.
Gardner, MA 01440
Chapter: 7
Date: 04/15/2008

Dill, Holly E.
41-42 Converse St.
Palmer, MA 01069
Chapter: 13
Date: 04/05/2008

Diotalevi, Brian T.
Diotalevi, Michelle A.
19 Grant Ave.
Ludlow, MA 01056
Chapter: 13
Date: 04/08/2008

Dodge, John Paul
Dodge, Patricia Ann
259 Millers Falls Road
Turners Falls, MA 01376
Chapter: 7
Date: 04/07/2008

Donovan, Lorraine
a/k/a Beauchemin, Lorraine
306 Tremont St.
Springfield, MA 01104
Chapter: 7
Date: 03/31/2008

DuBois, Leo Zachary
5 Fruit St.
Northampton, MA 01060
Chapter: 7
Date: 03/31/2008

Durocher, Robert B.
63 South Westfield St.
P.O. Box 6
Feeding Hills, MA 01030
Chapter: 7
Date: 04/01/2008

Gallo, Susan M.
72 Berkshire Dr.
Westfield, MA 01085
Chapter: 7
Date: 04/14/2008

Goodrich, Corey A.
87 Raymond Dr.
Hampden, MA 01036
Chapter: 13
Date: 04/04/2008

Henriquez, Nelson D.
Aguirres, Beatriz C.
6 Franklin Ave.
Westfield, MA 01085
Chapter: 13
Date: 04/07/2008

Heroux, Ronald E.
637B Pendleton St.
Chicopee, MA 01020
Chapter: 7
Date: 04/10/2008

Hogan, Paul F.
PO Box 6572
Holyoke, MA 01041
Chapter: 13
Date: 04/10/2008

 

Kent, Jeffrey D.
Kent, Morgan J.
611 South Main St.
Great Barrington, MA 01230
Chapter: 13
Date: 03/31/2008

Kituyi, Joseph S.
619 Springfield St.
Feeding Hills, MA 01030
Chapter: 7
Date: 04/10/2008

Koehler, Thomas A.
Koehler, Doris J.
10 Marsh Lane
Adams, MA 01220
Chapter: 7
Date: 04/02/2008

Kowal, Lorie A.
143 Edgewood Ave.
Chicopee, MA 01013
Chapter: 7
Date: 04/09/2008

Mardirossian, Papak Y.
64 Tiffany St.
Springfield, MA 01108
Chapter: 7
Date: 04/12/2008

Martin, Paula Louise
Just All About You
383 Chesnut Hill Ave.
Athol, MA 01331
Chapter: 7
Date: 04/14/2008

Martinelli, Gabriele
Martinelli, Sandra M.
50 Sandra St.
Chicopee, MA 01020
Chapter: 7
Date: 04/01/2008

Miller, Gretchen J.
91 Hulst Road
Amherst, MA 01022
Chapter: 7
Date: 04/12/2008

Miranda, Donna J.
a/k/a Conway, Donna J.
a/k/a Kelso, Donna J.
24 Sunrise Ter.
Westfield, MA 01085
Chapter: 13
Date: 04/08/2008

Moreira, Vincent
23 Dartmouth St.
Chicopee, MA 01020
Chapter: 7
Date: 04/01/2008

Morris, Donna
490 C East Seventh St.
South Boston, MA 02127
Chapter: 7
Date: 04/05/2008

Nicholson, Beth Ann
174 Center St.
Chicopee, MA 01013
Chapter: 7
Date: 04/10/2008

Nguyen, Loi V.
P.O. Box 80401
Springfield, MA 01138
Chapter: 7
Date: 04/15/2008

Ostrander, Laura J.
Ostrander, Laura Jean
76 Charles Ave.
West Springfield, MA 01089
Chapter: 7
Date: 04/02/2008

Pagan, Eddie A.
58 Orange St.
Springfield, MA 01105
Chapter: 7
Date: 04/01/2008

Panagos, George
63 Orlando St.
Feeding Hills, MA 01030
Chapter: 7
Date: 04/02/2008

Piquette, Mark Edward
Piquette, Deborah Lin
17 Holly St.
Chicopee, MA 01020
Chapter: 7
Date: 04/10/2008

Riccitelli, Martin G.
68 Hazardville Road
Longmeadow, MA 01106
Chapter: 7
Date: 04/10/2008

Riley, Paul T.
123 Maynard Road
Wilbraham, MA 01095
Chapter: 7
Date: 04/11/2008

Rivera, Jose A.
65 Chestnut St.
Indian Orchard, MA 01151
Chapter: 13
Date: 04/05/2008

Ruiz, Jose A.
Cruz, Amarilys
107 Marion St.
Springfield, MA 01109
Chapter: 7
Date: 03/31/2008

Scagliarini, Gary J.
733 Chapin St.
Ludlow, MA 01056
Chapter: 7
Date: 04/09/2008

Scribner, Laura L.
33 Maple St.
South Hadley, MA 01075
Chapter: 7
Date: 04/03/2008

Sidway, Thomas N.
10 Danforth Ave.
Pittsfield, MA 01201
Chapter: 13
Date: 03/31/2008

Silvano, Peter M.
99 Meadow Road
East Longmeadow, MA 01028
Chapter: 7
Date: 04/10/2008

Smith, Kevin M.
636 McKinstry Ave.
Chicopee, MA 01020
Chapter: 7
Date: 04/15/2008

Speth, Thomas Joseph
Speth, Theresa
12 Tabar Ave.
Lee, MA 01238
Chapter: 7
Date: 04/10/2008

Touponce, Inc.
335 Forest St.
Lee, MA 01238
Chapter: 7
Date: 04/03/2008

Trask, Regina A.
418 Meadow St., Unit C6
Agawam, MA 01001
Chapter: 7
Date: 04/14/2008

Vigneault Remodeling
Merk’s Carpentry
Kitchco
Kitchen Magik
Vigneault, Brian K.
85 Maxwell Road
Monson, MA 01057
Chapter: 7
Date: 04/15/2008

Wheeler, Carole D.
139 North Washington St.
Ridgecrest Private Dr.
Belchertown, MA 01007
Chapter: 7
Date: 04/07/2008

Wireless 4 Less
Stovall, Eugenia
38 Willow Brook Lane
Westfield, MA 01085
Chapter: 7
Date: 04/02/2008

Woodbury, Wanda Lou
12 Wheeler Ave.
Orange, MA 01364
Chapter: 7
Date: 04/14/2008

Zurlino, Peter Jude
PO Box 3387
Springfield, MA 01101
Chapter: 13
Date: 03/31/2008

Features
A Unique Family Business Looks to Capitalize on the Region’s Youth Sports Legacies
Natalie and Patrick Lynch

Natalie and Patrick Lynch, owners of a local branch of TSS Photography, say their new venture is bringing them closer as a family.

As parents of athletic children, Patrick and Natalie Lynch have purchased their share of team-related photos and chotchkes.

“Our kids are all involved in sports,” said Patrick. “As a result, we’ve purchased a lot of product.”

But last year, the couple started looking at things a little differently when they attended games and other events. Seeing the volume of items purchased by families to commemorate a team, a big game, or other important times in their children’s lives, they stopped viewing trophies, plaques, and fun rewards as an expense, but instead as a business opportunity.

“Natalie and I talked about starting a family business for many years,” said Patrick. “We’ve always been avid photographers, and we’re passionate about our children’s lives and the role sports play in them. We like the involvement because it teaches them teamwork.”

Taking a cue from the same lessons their children are learning, the Lynches embarked on a new endeavor last September, designed to bring them closer as a family as well as bring new revenue to the household. The two opened a local branch of TSS Photography (formerly the Sports Section) in their hometown of Southwick, thus bringing to the region a national outfit headquartered in Atlanta that offers a wide range of unique, photo-based products geared toward families.

TSS began by offering sports memorabilia to commemorate experiences on various teams, from Little League to Mighty Mite hockey, but over the past decade it has expanded to offer other innovative packages, including the transfer of a child’s original artwork onto various items such as mugs, T-shirts, mouse pads, and other memorabilia, and services for another aspect of childhood that’s familiar to any parent with school-aged children: ‘Picture Day.’

We Are Family

The Lynches said their new venture is exciting not only because they’ve long been immersed in the very atmosphere their products serve, but also because Western Mass., they say, is an area primed and ready for such a niche suite of offerings.

“We’ve been involved in our children’s school and sports lives for so long,” Natalie said. “In doing so, we’ve developed several relationships with various groups, and because of that, we won’t put our name on it if it’s not the best we can offer. There’s a huge emphasis on quality for us, because we know these people.”

In addition, the two have also come to realize just how vast the photo and sports-memorabilia industry has actually become.

“When we focus on youth sports photography alone, the opportunities are endless,” said Patrick. “Think of the sports that kids are involved in these days: there’s karate, swimming, cheerleading, golf, bowling … the list goes on and on. Almost any organized youth activity takes photos of its teams and team members as a part of the experience, and there’s absolutely a huge youth sports culture in Western Mass.”

This volume of sports teams and leagues in the region is complemented, Lynch went on, by the vast amount of items — more than 250 of them — that they can offer as TSS’s local affiliate.

The more-common photo plaques and framed prints are part of the mix, but so are ‘photo balls,’ water bottles, magnets, photo ‘dog tags,’ totes, stickers, buttons, coasters, bulletin boards, blankets, pillows, statuettes, gift tags, and much more.

It’s All in a Name

One of the couple’s favorite items was inspired by another product with an interesting name — Fatheads.

The life-size vinyl cutouts of star athletes, entertainers, cartoon characters, and others are a brand-name offering of the company that creates them (also called Fathead).

Another branded item that TSS sells, Wallpix, raises the cool factor. Wallpix use a concept similar to Fatheads to place large, removable cutouts of a child’s photo next to their hero, be it Tom Brady, Big Papi, or Hannah Montana.

“The idea behind all of these products is really cool — it takes photos and artwork that parents want to keep, but sometimes don’t know what to do with — and makes something useable that is less likely to get ruined,” said Patrick. “When we were first introduced to these items, we were blown away by the products and services. The pictures are top-quality, and there’s an extremely wide range of items — everything from the individual pictures of students taken on picture day to team photos, to really unique items we’d never seen before.”

The Lynches take the photographs that are mounted or transferred to these products themselves, and the images are sent to TSS’s headquarters in Atlanta for processing. Local clients, however, always have a contact nearby to keep tabs on orders, and that was an important part of the decision to bring the TSS model to Western Mass., they said.

Moving forward, the partners say they’re focusing on developing more relationships with leagues, teams, schools, and other entities to further grow their business in Western Mass.

“This is an area we believe in, and we believe that there are opportunities waiting for us,” said Natalie. “We just need to make the appointments.”

The couple has a specific plan in place to broaden the TSS presence in Western Mass. by focusing first on the youth sports market, and later moving into school photography and other co-curricular events.

“We want to get word out there, but in the meantime, we’re loving it,” Patrick said. “The interaction with the kids is probably the most rewarding part. We make silly faces to make kids laugh, and sometimes the parents give us positive feedback … it’s a great business.”

Capturing the Moment

Plus, Patrick added, he and Natalie hope TSS Photography will grow into a business opportunity for their own children later in life.

“We have three kids, plus we own a daycare, and this has turned into a tremendous opportunity to do well while doing something we enjoy, as well as a chance to grow a family business,” he said. “This could give our daughter summer work, a chance to earn her own money and to learn the business with us.”

TSS Photography is also adding a new wrinkle to the Lynch family’s involvement with sports, and their purchases of full-color memories. If nothing else, Patrick and Natalie are confident they can cull a few interesting decorating ideas for their home — a Wallpix of a treasured moment, a keepsake of a childhood work of art, or a snapshot, preserved on anything from a coaster to a ballcap, of a home run.

Jaclyn Stevenson can be reached at

[email protected]

Departments

The following business incorporations were recorded in Hampden, Hampshire, and Franklin counties and are the latest available. They are listed by community.

AGAWAM

The Liberty Preservation Association of Massachusetts Inc., 111 High St., Agawam 01001. Laura A. Jackson, same. (Nonprofit) Non-connected or ideological political action committee to affect legislation.

AMHERST

Association for Environmental Health & Sciences Foundation Inc., 150 Fearing St., Suite 17, Amherst 01002. Paul T. Kostecki, Stillwater Road, South Deerfield 01373. (Nonprofit) To promote the education, training, research and dissemination of information regarding the environment, etc.

Voter Action Inc., 48 North Pleasant St., Suite 304, Amherst 01002. Holly Jacobson, 2520 34th Ave., South, Seattle WA 98144. John Bonifaz, 30 Harris St., Amherst 01002, treasurer. (Nonprofit) To protect the right to vote, ensuring election integrity, transparent election procedures, etc.

BELCHERTOWN

Belchertown Band Boosters Inc., 12 Wilson Road, Belchertown 01007. Susan Clark, same. (Nonprofit) To educate and promote the music program in the Belchertown Public Schools, etc.

CHICOPEE

Amvets Riders Chapter 12 Inc., 754 Montgomery St., Chicopee 01020. Maurice V. Marcil, 234 Dale St., Chicopee 01020. (Nonprofit) To provide community service and fellowship, support the goals of the Amvets national organization.

EASTHAMPTON

Easthampton Quality Machine Inc., 16 Arthur St., Easthampton 01027. Raymond A. Witherell, same. Tool and machine making.

EAST LONGMEADOW

KAYANT Inc., 17 Overbrook Road, East Longmeadows 01028. Ralph A. Giuggio, 3 Mayfair St., East Longmeadow 01028. To own and operate a restaurant business.

MEC’s Landscaping Inc., 32 Hampden Road, East Longmeadow 01028. Alessandro Meccia, same. Landscaping.

Pinnacle Performance Inc., 171 Shaker Road, East Longmeadow 01028. Paul W. Koetsch, 43 Treetop Ave., Springfield 01118. Automotive restyling and paint protection.

GOSHEN

Good Time Stove Company Inc., 188B Cape St., Goshen 01032. Richard Richardson, same. The renovation and sale of wood stoves and related items.

GRANBY

Laduke Electric Inc., 92 Ferry Hill Road, Granby 01033. James E. Laduke, II, same. Electrical service, repair and installation.

GREENFIELD

George’s Rocks Inc., 246 Silver St., Greenfield 01301. George P. Marchacos, same. Retail amusements.

VLS Auto Trade Ltd., 16 Ferrante Ave., Greenfield 01301. Lucia Ivantchev, same. Automobile import and export.

HAMPDEN

AMP Consulting Inc., 23 South Ridge Road, Hampden 01036. Andrew H. Persaud, same. Finance and accounting consulting.

HOLYOKE

Friends of Holyoke Public Schools Inc., 225 High St., Suite 601, Holyoke 01040. Michael J. Moriarty, 1 Lexington Ave., Holyoke 01040. (Nonprofit) To facilitate the funding of programs to support and celebrate academic achievement and creativity in the Holyoke public schools.

Merchant Service Center Inc., 15 Main St., Holyoke 01040. Jeffrey P. King, same. (Foreign corp; DE) Merchant service credit card processing.

Ministerio Evangelistico De Cristo Es La Uncion Y Poder Inc., 10 Center St., Holyoke 01040. Ramon Antonio Crespo, same. (Nonprofit) To help restore the lives of people through outreach work in different communities.

PH Recordings Inc., 10 Gatehouse Road, Holyoke 01040. Stephen C. Porter, same. To operate a music recording business.

Source of New York 8 Inc., 354 High St., Holyoke 01040. David Woo M. Park, same. Retail clothing and accessory company.
 

LONGMEADOW

Faith In Action of Hampden County Inc., 76 Longfellow St., Longmeadow 01106. Nancy A. Marshall, same. (Nonprofit) To enhance the quality of life for adults of 60+ years who lack an adequate support system, offering the friendship and support of a volunteer, etc.

MONSON

Munn Inc., 141 Munn Road, Monson 01057. Ralf Trzeciak, same. Laundromat and ownership of other businesses.

NORTHAMPTON

Northampton Community Acupuncture Inc., 160 Main St., Northampton 01060. Melissa Beth Stein, same. Acupuncture and herbal medicine.

Nolta Inc., 27 Olive St., Northampton 01060. Felix Bonn, same. Manufacturing of motor/pump protection devices.

SHELBURNE

Committtee for Responsible Wildlife Management Inc., 2 Reynolds Road, Shelburne 0370. Herbert Bergquist, same. (Nonprofit) To promote science based wildlife management decisions based on fact, not emotion or personal ideology.

SOUTH DEERFIELD

The Learning Circle-Deerfield Inc., 150 North Main St., South Deerfield 01373. Jay L. Whitney, 178 Old Vernon Road, Northfield 01360. (Nonprofit) Child care center for ages 6 weeks to 6 years old.

SOUTH HADLEY

For The Health of It in Western MA Inc., 17 Spring Meadows, South Hadley 01075. Maureen A. Jagodowski, same. (Nonprofit) To provide information and education relative to suicide prevention.

River Road Billiards Inc., 320 River Road, South Hadley 01075. Steven Daniel Blaney, same. Billiards and pool leagues.

SOUTHWICK

25 Point Grove Realty Inc., 205 Feeding Hills Road, Southwick 01077. Patrick J. Lynch, same. To hold real estate.

Ranpat Inc., 13 Lauren Lane, Southwick 01077. Randy Rindels, same. Bar/restaurant.

SPRINGFIELD

Chico’s Towing Service Inc., 61 Chandler St., Springfield 01104. Cecilio V. Rivera, 25 Bancroft St., Springfield 01107. Towing of commercial and residential vehicles.

Concilio Pentecostes Ya Es Tiempo De Que Te Levantes Talita Cumi Inc., 246 Walnut St., Springfield 01105. Felix Torres, 56 Montrose St., Springfield 01109. (Nonprofit) To perform Christian services and food services to the needs of our community.

Harrell Funeral Home Inc., 355 St. James Ave., Springfield 01103. Ronald E. Harrell, same. To operate a funeral home.

IT & T Systems Inc., 1655 Main St., #501, Springfield 01013. Jeffrey Rm Filamonte, 26 Dayton St., Chicopee 01013. IT systems maintenance and installations.

R & D Towing & Transport Inc., 36 Jardine St., Springfield 01107. Robert M. Bernier, same. Towing and transport.

Toby Transportation Inc., 137 Cedar St., Springfield 01105. Tony Ayoade, same. To provide transportation of a wide variety of individuals needing mobility (i.e., medical transportation, wheelchair, etc.)

WESTFIELD

Unified Sports Program Inc., 267 Falley Dr., Westfield 01085. Mary Lou Niedzielski, 24 Harlow Clark Road, Huntington 01050. (Nonprofit) To provide recreational and sport activities to children in the Greater Westfield area who have mental and/or physical disabilities, etc.

WILBRAHAM

QE Global U.S. Inc., 5 Wandering Meadows Lane, Wilbraham 01095. James Killoren, same. Importing, sales and distribution of energy .

Spartan Investigations Inc., 408 Springfield St., Wilbraham 01095. Scott Alan Richard, same. Private investigation.

Cover Story
Serial Entrepreneurs Look to Shape the Future of Health Care Operations

Arlene Kelly wouldn’t say how big the check was — just that it was big enough to allow her and business partner Kim Sanborn to retire to the beach.

And they thought about that scenario, but just for a proverbial minute or two.

“I sometimes wonder why we didn’t just head to the beach,” joked Kelly in an apparent editorial comment with regard to what she and Sanborn have put themselves through over the past 18 months or so, before quickly answering the question she posed. “We didn’t because we said to ourselves, ‘we’re still young, and we’re not done … we’re not through yet.’”
Not done with taking bold entrepreneurial risks — the two have helped launch several ventures — and certainly not done trying to change the face of health care administration and reducing the frustration and skyrocketing costs associated with it, she told BusinessWest.

That’s what the two partners did with Healthcare Resources Solutions Inc. (HRSI), a company they started in 1996 with the intention of managing billing and other revenue-management processes for its clients.

This venture, which eventually grew to 120 employees, more than 600 regional clients, and more than $250 million a year in total billing that it handled, eventually caught the eye of software maker IDX Systems Inc., which cut that large check not long before it was absorbed by massive GE Healthcare. Thus, that’s the name on the door of the space in Wilbraham’s Post Office Park into which Sanborn and Kelly moved HRSI amid a serious growth spurt three years ago.

And now, the two partners are back in the space they started in over a decade ago, just a few hundred feet away in another office building within Post Office Park. The name on their mailbox is now Convergent Solutions Inc. (CSI), a company that Kelly and Sanborn expect will go much further in their efforts to make a serious dent in a statistic they quote often: that 35 cents of every dollar spent on health care goes to administrative processes.

Summing up CSI, Kelly said it was created to help physician practices large and small (down to individual physicians) take “subjectivity” out of medical billing and other administrative processes through a suite of products under the brand name Visum (Latin for ‘understand’).

Elaborating, Sanborn said this subjectivity (a word both partners would use often) occurs essentially whenever there is human involvement with information and the processing of it.

“Any place there’s a manual process, any place you’re relying on people, there’s an opportunity for failure,” she explained. “There are landmines everywhere … a person could forget a critical step or take the wrong step.”

To clear the minefield, Sanborn, Kelly, and fellow CSI partners Craig Coffey and Edward Authier have, after more than a year of extensive research and development, created a system that uses artificial intelligence and business process management (BPM) software (which is new to health care but has been used in other sectors for years) to remove large doses of that subjectivity, thus reducing errors, enhancing revenues, and ultimately allowing physicians to focus on health care, not revenues and billing.

“The key word in the company’s name is ‘Convergent’ — this is the convergence of people, process, and technology,” Kelly explained, adding that the CSI product, or service, as they prefer to call it, begins with the physician’s office. And essentially, it takes the emerging technology known as electronic medical record, or EMR, and makes it less error-prone, more accessible, and more affordable.

“We knew going out of the gate that we were not going to find a single, simple software solution,” she explained. “We knew we were going to have to bring technology together, bring people into it, because no matter how much technology you have, you still need people to run the technology, and then the process — understanding the business is critical.”

CSI, which opened its doors in January with a series of BPM and EMR practice-management products, is ready to launch an ambitious new offering that essentially interprets physician dictation and advances the process straight to the billing of a claim, thus eliminating several steps involving that aforementioned subjectivity. The company is hiring a wide array of professionals, and could have a staff of 150 or more within a few years.

In this issue, BusinessWest explains how a year not spent in the sun led to what many expect to be a key breakthough in the health care industry.

Form and Function

As she went about the elaborate process of explaining just what CSI is and how it will ultimately go about changing how business is done in health care, Kelly started by talking about HRSI — and tonsils.

“There are probably 20 or more ways that a tonsil can be coded,” she explained, adding that this statistic contributes to broad problems with projecting revenues within physician practices and myriad other headaches. “And if small businesses, which is what physician practices are, can’t predict revenues, how can they determine what their expenses should be?”

This is just one of many challenges facing physicians and physician groups in the information age, and to help such businesses overcome them, Kelly and Sanborn created HRSI, a company to which physician practices outsource medical billing and other revenue-related procedures, thus enabling them to ultimately reduce errors as well as what are known as AR (accounts receivable) days — the time between when a bill is submitted and when it is paid.

In a nutshell, what HRSI did was make a sophisticated (and expensive) software program made by IDX available to smaller physician groups that otherwise couldn’t afford it.

As IDX continued to lose clients and revenue to outsource companies like HRSI, it started looking into how these outfits operated — only, in the case of HRSI, it did much more than look.

“They scheduled a meeting, listened to us for about a half-hour, and then said, ‘we’d just like to buy you,’” said Kelly. “They just threw an offer on the table … it was unbelievable.

“We weren’t expecting this at all,” she continued, adding that what ensued was a six-month-long review period during which IDX examined HRSI’s operations to see if they were in compliance with the myriad regulations governing this industry, and if it was, indeed, a good fit.

“They came away thoroughly impressed,” said Sanborn, adding that, as the negotiations continued, it was announced that IDX was being acquired by GE, which knew about the HRSI deal, gave its blessing to it, and completed its transaction of IDX two months later.

For the next year, Sanborn and Kelly watched as their small company was assimilated into a huge corporation, and pondered their own future.

The status quo — meaning work for GE Healthcare in a management role — and the beach were always options, but as they observed GE’s absorption of their company, the partners also observed many other things, and envisioned some different career alternatives.

For starters, they recognized that the model they had created with HRSI didn’t work nearly as well in an environment where volume increased exponentially.

Meanwhile, they also observed that, despite improvements born from new technology, there was still far too much subjectivity — meaning too many manual processes remaining — in the realm of health care billing, and that there were certainly some business opportunities available to those who could find some ways to reduce or eliminate it.

Recognizing this, and the fact that the operating environment within GE Healthcare wasn’t for them, Kelly and Sanborn also understood that they weren’t ready for the beach, and also had too much to offer the health care industry to walk away from it.

“GE was a great place to work — they paid us very well to stay on,” said Kelly. “But it just wasn’t what we wanted to do; it was very difficult for us to stay in that environment, running a business one way as we did for all those years and then have a major corporation come in and change the philosophy.

“What that big check did was put us in the financial position to walk away from that structure,” she continued. “We knew we weren’t done, but we also knew that we had a huge amount of experience and knowledge in this industry, and there are simply not many people out there who understand the business the way we do. And you hate to waste all that.”

For the next year or so (the length of their non-compete agreement with GE Healthcare), the four partners — Coffey and Authier had worked with Kelly and Sanborn for years — traveled across the country and, ultimately, over the Big Pond, to create what they fully expect will be the next big thing in the outsourcing of medical billing and other revenue-management processes.

Word Has It

As they embarked on their search for technology that would help them achieve their stated goals, Sanborn and Kelly were guided by one overriding question — ‘what can we do to improve the situation in health care?’ — and to answer it, they made broad use of what could be called the ‘perfect-world’ approach to research and development.

“That’s what we kept saying to each other,” said Kelly, adding that the intellectual discussion starts with what happens just after a physician provides a clinical service, “because that’s where the problems start.

“In a perfect world, the doctor would provide that service and then document it through EMR or some electronic form,” she continued. “We don’t want the doctor to think about billing … we want the byproduct of his documentation to become the billing service, and the codes and the charges we need to process.”

Elaborating, she said, in the current, far-less-perfect world, most physicians document their clinical service, essentially detailing what they did for the patient in question. This information is then reviewed by someone else at the office to ensure that everything was crossed off correctly, and then goes to an internal coder, a person trained to do coding, then on to someone in data entry, and finally out the door to the insurance company in the form of a claim.

In other words, there is far too much room for error in this scenario, said Sanborn, adding that CSI was created to take much of that room out of the picture.

“So we said, ‘OK, how do we get from clinical documentation to the claim going out the door without any manual intervention,” said Sanborn, noting that the search for the answer would take them from Boston to Belgium, amid a host of other places, and heavily involve the technical expertise possessed by Authier, CSI’s chief technology officer, and Coffey, the company’s chief operating officer.

Condensing the details of that search, Kelly and Sanborn said it boiled down to bringing together business-process-management software with technology that involves natural-language processing, or, in this case, taking physicians’ dictations and converting them into codes for billing purposes.

BPM, used in many financial-services sectors, essentially creates rules that can’t be broken, said Sanborn, adding these rules essentially make a system “bulletproof,” thus preventing expensive errors. Insurance companies have had such software for years, she said, adding that CSI wanted to put it in the hands of those at the other end of claims — the physicians.

Those at CSI worked to essentially plug BPM into EMR in an effort to cut down on errors involving both under- and overpayment of claims that result from simple human error.

“The same coder could read a note and code it one way today, and read the same note and code it a different way tomorrow — and that’s scary,” said Sanborn, “because that can make a difference of a few hundred dollars or more in how something is paid.”

The problem with taking such human subjectivity (there’s that word again) out of the equation — and it was a big problem — is that EMR involves mostly physicians’ dictation, or what is known as ‘unstructured text.’ For CSI to even approach its ‘perfect world’ scenario, it would need a technology that could read unstructured text, or free-text data, and thus extract the information from it and code it for billing purposes.

And for this tall order, those at CSI turned to a Belgian-based company called Language and Computing Inc., which specializes in natural-language processing, or, as Kelly put it, “teaching a computer how to understand free-text data — read it and interpret it.”

“It’s like teaching a person … we’re talking about artificial intelligence,” she continued, adding that, while this concept may be hard for many to grasp, it is the linchpin to accomplishing what CSI set out to do. “Coding is the No. 1 flaw in this entire process, and it’s a problem that has to be solved.”

CSI is doing so with a product that Language and Computing originally designed for the homeland-security industry. In a nutshell, that program was created to hear and interpret words in many different languages. The partners at CSI saw the technology in use and thought it could also be used to understand physician dictation.

“You have all these documents that are created from recorded conversations,” Kelly said of the product’s use for homeland security. “This software is essentially interpreting what people are saying — that’s what it does — and now this company is moving into health care, and we’re partnering strategically with them.”

Kelly and Sanborn told BusinessWest that they have brought the pieces to the puzzle together, have test-driven it, and know it works.

Now, the work shifts from R&D (although that will always be ongoing) to sales and operations. They expect to launch their natural-language-processing product by midsummer and, in the meantime, are putting their EMR and practice-management systems into the hands of many physicians and physician groups that don’t use it because they don’t think they can afford it.

“Right now, probably 90% of the physicians in this country still work in a paper environment, and if you ever went into a doctor’s office and really looked at that process, you wouldn’t believe how scary it is,” said Kelly. “That’s because it’s so manual and there’s so much room for error; things are misfiled, you can’t find charts … it is just a mess.”

Cleaning up the mess is what Kelly and Sanborn first set out to do 12 years ago with HRSI, and now they’re taking it to a higher — make that much higher — level.

Their Day in the Sun

All joking aside, Kelly said she and Sanborn never really considered the beach as their next stop after HRSI.

As she said, they consider themselves too young for retirement, too entrepreneurial to be happy working for someone else, and far too invested in driving down the cost of health care to sit on the sidelines when the system is still considerably flawed.

But most of all, they have the experience and the know-how, and, as Kelly said, that would be a terrible thing to waste.

Sections Supplements
FieldEddy Strives to Grow Its Family and Strengthen Its Brand

Sam Hanmer says it was nothing personal, and certainly not a knock on one of the company’s early executives.

No, the decision to drop ‘Bulkley’ — as in Chester B. Bulkley — from the corporate name Field Eddy & Bulkley was taken in an attempt to shorten and simplify things, and also to help strengthen the brand.

The new name on the letterhead and business cards — FieldEddy Insurance — is what most people have called the company for some time anyway, said Hanmer, its long-time president. “When they did include Bulkley they would usually mispronounce it and come out with ‘Buckley,’” he explained. “And besides, it was a real mouthful for our receptionist.”

In dropping ‘Bulkley’ and the ampersand from the name over the door, the company is following the lead of law firms and accounting firms, said Hanmer, adding quickly that the change is one of the smaller, more cosmetic steps being taken in an ongoing brand-building endeavor.

Other, more significant steps include consolidating three offices into a recently constructed office complex at 96 Shaker Road in the center of East Longmeadow. There, FieldEddy occupies 10,000 square feet, and can operate — and communicate — far more effectively than it could in separate facilities in downtown Springfield, East Longmeadow, and Windsor Locks, Conn.

“Add up the square footage in the other three locations, and it’s a lot less than what we have now,” said Hanmer as he led a tour of the new facilities, “but we can do a lot more here because it’s much more efficient space; we can communicate much better because we’re all on one floor.”

‘More efficient’ and ‘better communication’ are words you hear quite frequently within this organization these days, as the company, which has been expanding through acquisition and organic growth in recent years, continues work to build and strengthen what Hanmer and partners Tim Marini and Michael Coffey all call a “network” of agencies.

Indeed, while the search continues for possible acquisition targets — “there are some potential opportunities we’re looking at and talking to,” said Hanmer — there are broad efforts underway to build the FieldEddy brand.

The new name and logo are part of this effort, as are some marketing initiatives, said Marini, but the bulk of the work involves taking a host of agencies now under the FieldEddy umbrella — Remillard Insurance in South Hadley was the latest addition — and making full use of the benefits, or clout, that this growing family provides.

Some of the agencies have been rolled into FieldEddy and have taken that name, while others, including Remillard, have kept their names because of the equity held in them. Whatever names they take, the individual agencies can now represent a large number of carriers, just one of the benefits of size gained through this network. And this presents opportunities during an intriguing time for the industry — one in which profound change in auto-insurance regulations enables consumers to shop for options as perhaps never before.

In this issue, BusinessWest looks at the continued growth of FieldEddy, the process of building a true network of agencies, and the strategic initiatives being taken to make that network wider and stronger.

Calculated Risks

As he referenced the auto-insurance reform steps taken recently, which shift the state from what was a fully regulated system to something called ‘managed competition,’ Hanmer did so rather reluctantly. So much has been said and written about the changes he was getting tired of hearing himself talk about it.

But he did say that most of the marketing and branding initiatives taken by the company have come in direct response to those changes — which have brought new carriers into Massachusetts, such as Liberty Mutual — and in an effort to capitalize on all those opportunities they present for companies with the requisite wherewithal.

“The good news is that we’re big enough to have multiple options for customers,” he said, adding that, through this strength in numbers, coupled with more-aggressive marketing, which has been an industry-wide trend, the network has added significantly to its books, or book of business. “We’ve certainly had an increase in opportunities, and we’ve come out on the winning side in a lot of those, if not most of those.”

And there could be many more of these triumphs ahead as competition increases, which all observers expect it will, and consumers gain still more options.

“Smaller agencies are going to have a very difficult time if they can’t offer more than one or a few options to consumers,” Hanmer explained. “And it’s only getting worse for them as it gets better for the customer.”

Summing up the events and the initiatives of the past 18 months or so, Hanmer said they were efforts to make FieldEddy stronger, or much stronger, as the case may be, than the sum of its parts.

And there are many parts.

Indeed, the network now includes Curtis Hodskins & McKelligott Insurance Agency in Monson, which is actually a collection of smaller agencies in the Palmer-Monson area; Remillard, which was acquired about 18 months ago when FieldEddy prevailed in spirited competition to obtain that brand; Your Choice Insurance Agency in Ludlow; and the Meadows Insurance Agency in East Longmeadow, which is now under the FieldEddy name.

These acquisitions were all part of a broad, five-year strategic plan for the company which Hanmer formulated in 2003, that called for tripling sales from $30 million to $100 million. While FieldEddy is closing in on that goal — the Remillard acquisition brought it much closer — Hanmer admits that the bar has been moved much higher than its original height.

Which is why he continues to search for acquisition opportunities, and why the firm embarked on his brand-building, network-building campaign.

“Historically, we had run those agencies we acquired as separate and distinct operations, with FieldEddy mostly staying behind the scenes,” he explained. “By identifying ourselves as a network of agencies, we can better serve our customers, who will know that they can go to any one of those locations and receive the same services and options.”

Marini agreed. “Some of what we’ve done is a bit of a reaction to the auto-insurance reform, but it’s basically good, common sense,” he explained. “This gives us the opportunity to put all our carriers in each office; in the past, we would buy an agency and essentially leave it alone with its carriers and sprinkle our carriers in a little bit.

“Now, we have all our carriers in all our locations,” he continued, “so that every customer has options, and plenty of them.”

And these options are adding up to growth opportunities for the network, he said, referencing recent performance, not only with auto insurance, but across the board in both residential and commercial lines.

He attributes that growth not merely to the availability of options for consumers, but also the incorporation of the FieldEddy culture, which is grounded in strong customer service, in those agencies that have been acquired.

Moving forward, the company intends to capitalize fully on the many assets present in the FieldEddy network. This includes, said Coffey, the names and the people behind those agencies that have been acquired, the benefits that come with the size and flexibility gained over the years, and even what the partners call a unique demographic advantage in its staff.

Elaborating, Marini said FieldEddy has a number of women working in the field and behind the scenes — a percentage of the overall staff that is much higher than industry norms.

“It wasn’t anything we planned — our strategy has always been to hire the best people available,” he explained. “But now that it’s happened, we can see it’s a great asset for us; we’ve seen a very favorable response from the marketplace because there’s a lot of women-owned businesses out there.”

The space at 96 Shaker Road provides room for further expansion, said Hanmer, who told BusinessWest that he expects this to happen, both through more organic growth and additional acquisitions.

“We don’t stop when enough is enough,” Hanmer of the company’s growth spurt and the prospects for more of the same. “There are a few acquisition opportunities that we’re talking about, and we will continue to be very inquisitive, to say the least.”

Recent expansion efforts have taken the company further east from its roots, into the Quaboag region, and south, into Northern Conn. The next step could be to go farther east in Massachusetts, to the Worcester area and perhaps beyond, said Hanmer.

The name FieldEddy isn’t known there, he acknowledged, but given the options it can present to potential customers, “we can make it known, and quickly.”

Growth Policy

For the record, the ‘Field’ in the company name is Henry Field, a prominent Springfield businessman who, in 1925, put his name and that of partner Schuyler Eddy on a venture that could trace its roots to the start-up of the Springfield Fire and Marine Insurance Company in 1849.

Chester Bulkley, a graduate of Yale University and the brother of James Bulkley, a founder of the Springfield law firm of Bulkley, Richardson and Gelinas, would soon join Field and Eddy in the business.

Hanmer told BusinessWest that, while Bulkley is now longer on the letterhead, his contributions to the company have certainly not been forgotten. His name was dropped in one of many steps, small and large, to help build and strengthen what has become an insurance network, one that has made continued growth its main policy.

Mr. Bulkley would certainly understand.

Sections Supplements
A Back-to-basics Approach Is Key to Investing Success

The roller coaster ride of the past few years has left many investors growing weary of the extreme market volatility and muted investment returns. Increasingly, individual investors are facing decision time. ‘What should I do now?’ is a common question.

For starters, avoid panic and keep a cool head. Timing the ups and downs of the market is difficult, at best, for professional portfolio managers to do, let alone the average investor.

Most importantly, it’s time to revisit a sound, time-tested investment strategy known as asset allocation. Simply put, asset allocation is spreading money among a variety of different asset classes such as stocks, bonds, and cash-equivalent investments.

Different investors approach asset allocation in different ways. Thus, generalizations about its importance are difficult to make. Your personal risk tolerance varies greatly depending on your age and your savings goals. When assessing your personal risk tolerance, it is important to decide how much volatility you can live with and still sleep at night. You will also have to consider factors such as your cash flow requirements, liquidity needs, time horizon, tax situation, and financial goals.

When determining your asset allocation, keep an eye on diversification. History has proven that no single investment performs well under all economic or market conditions. By dividing your investments among a variety of investments such as stock funds, based on style (growth, income, and value), size of the company (small, mid-, and large-cap), and location (domestic or international), you can potentially reduce the impact that one poor performer may have on the overall portfolio.

Investing Strategies Beyond Asset Allocation

Once you have settled on an appropriate allocation among stocks, bonds, and cash based on your risk level, you should consider monitoring your portfolio on a period basis. A strategy you might consider is annual rebalancing. This strategy keeps your investment allocation aligned with your investment strategy by automatically selling asset shares that have outperformed and investing in asset shares that have underperformed. If market changes cause your portfolio to become overweighed in one type of investment, your portfolio is re-adjusted automatically to match your original asset allocation.

Another proven long-term investing strategy is dollar cost averaging.* While it may require discipline, especially in a down market, investing a fixed amount on a regular basis can allow investors to take full advantage of long-term growth. When prices are low, your investment buys more shares, and when prices are high, you will buy less. The practice keeps you active in the market at all times, and research shows that staying in the market is far more successful than jumping in and out, trying to time the upswings and downswings.

Don’t Go It Alone

During the roaring 1990s, many felt working with a financial professional was almost unnecessary. Many investors simply placed money in the market and saw double-digit returns, sometimes in as little as a few months time. In the new era of financial reality, we have learned that portfolio-management is a dynamic decision-making process that requires ongoing monitoring and evaluation.

Because investing often becomes an emotional process to the non-professional, it’s a good idea to consult with a knowledgeable financial professional, who can help you determine which asset allocation is right for you.

A financial professional can help you identify attractive investment opportunities, put market volatility into perspective, and create an investment strategy to help you reach your financial goals.

*Dollar cost averaging does not assure a profit and does not protect against loss in declining markets. The investor should carefully consider financial ability to continue payments during periods of low price levels.

Opinion
Averting an Energy Crisis

Gas prices are skyrocketing; the average price of a gallon of regular hit $4 last week. Venezuela has threatened to cut off oil exports to the United States. The dollar has fallen by 30% against the euro over the past two years. Could things possibly get worse?

Yes. Real-world events underscore our nation’s acute energy-security vulnerabilities. Over the past year, oil prices have surged in a short period of time without any single precipitating event. The effects are stark. Every $10 increase in the annual price of a barrel of oil costs the economy $75 billion.

The average American household spends $5,750 a year on energy, up more than $2,000 from just four years ago. The increase in the cost of gasoline alone amounts to a more than $1,500 tax on the typical American family. Over much of the past decade, Americans have been able to compensate for rising energy costs by drawing on the also-rising equity of their homes. But that did not solve the problem; it camouflaged it. And now that the mortgage crisis and the resulting collapse in property values have taken that crutch away, Americans are more conscious of the impact of the rising cost of oil on their livelihoods.

The United States consumes 25% of the world’s oil: 21 million barrels every single day. The transportation sector — not just cars, but the trucks and airplanes that are crucial to delivering goods and services — use petroleum products for 97% of its energy needs. And the picture is not getting any better: demand in the United States is expected to grow by 30% — to 27 million barrels per day by 2030.

Add to this continued instability — and in some cases, hostility — in some of the world’s most prolific oil-producing nations, and the conclusion is clear: America’s dependence on oil, particularly oil from unstable and undemocratic parts of the world, threatens national security and economic stability.

Recently, in the Forum of the Harvard Kennedy School, a group of former high-level government officials gathered to take part in Oil ShockWave, a high-tech, realistic simulation exercise based on an all-too-possible scenario: a series of geopolitical events leading to a sudden and sustained jump in the price of oil.

The simulation illustrates how one small event in one corner of the world can cascade through the entire global supply system. Courses of action, at that point, would be limited. Would Americans accept an emergency restriction on driving, rationing, or forced carpools? Would we have to deplete our strategic stores, which are held in reserve largely for extreme contingencies, including military shortages? Would we be willing to send troops to secure oil facilities abroad? Would we have to bow to the demands of nations like Iran and Venezuela?

This is not just the stuff of Tom Clancy; these are scenarios we may have to one day face if we continue down our current path. None of them is palatable, and none is even guaranteed to work. Once the crisis occurs, it is already too late.

The objective is to keep the crisis from occurring. Since we cannot control the entire global oil market, we need to do the next best thing: reduce our dependence on oil and increase our resilience and capacity to cope with interruptions. There are meaningful steps we can take, from reducing demand through fuel economy and other standards to increasing the production and deployment of alternatives, to looking at other methods of powering our transportation sector (like electricity), to expanding domestic production of energy in an environmentally responsible way, to working in concert with other major consumers to increase strategic reserves.

The alternative — waiting until the real crisis occurs — is unacceptable.-

Graham Allison is director of the Belfer Center for Science and International Affairs at the Harvard Kennedy School. Robbie Diamond is founder and president of Securing America’s Future Energy.

Opinion

Some of the casualties have been chalked up as ‘coincidences.’ That’s the term that many people used when three restaurants on or near Main Street closed within a few days of each other recently.

Meanwhile, others have been called ‘inevitable signs of the times,’ or something to that effect, and the recent closing of Edwards Book Store fits nicely into that category — the small independent book store is certainly a dying breed in these days of Barnes & Noble and Amazon.com.

But while some of the business closings in downtown Springfield can be neatly explained away, to one degree or another, the sum of these failures is certainly cause for concern and food for deep thought about just what the future can and should hold for the central business district.

The latest blow came several days ago, when the owners of Hannoush Jewelers, long a mainstay in Tower Square, announced that they would be shuttering their storefront amid declining sales. “We tried to hang on,” company Vice President Nabil Hannoush told the local press. “With the traffic flow, it was getting a little tough.”

This was a reference to the foot traffic in Tower Square, which in recent years has been confined mostly to people who work in that tower or within a few blocks of it. It is becoming increasingly clear that this constituency is simply not enough to support many businesses downtown, and that something must be done to bring more people into the downtown — somehow.

Before elaborating, we must note that there are some positive things happening downtown. There is a FedEx Kinko’s opening in the Johnson’s Bookstore building downtown. Meanwhile, a new financial institution, Nuvo Bank, is drawing closer to its planned opening in long-vacant space within Tower Square.

And while some businesses are choosing to leave downtown Springfield for the suburbs (the Novak Agency among them), there are some who are choosing to stay, like Court Square Group, which recently moved into the half-vacant One Financial Plaza (see story, page 48).

But most everyone who doesn’t work for the Chamber of Commerce would likely admit to being concerned about downtown and the general state of vibrancy, or lack thereof. The retail component of Tower Square is fast becoming a ghost town, save for Dunkin Donuts (there are always long lines there) and the banks — and we’re not really sure how well they’re doing with those branches.

It’s clear that the old argument that people will do business where they work holds only so much water, as Hannoush Jewelers and some of those banks would attest. The key, again, is to get people from outside the downtown, outside the city, even outside the region, to want to come downtown.

Anyone old enough to remember the ’70s knows that this is doable. Long-time area residents remember when downtown Springfield was the place to be. Of course, that’s when Johnson’s, Forbes & Wallace, Steiger’s, Herman’s World of Sporting Goods, and other retail establishments were open — and the Holyoke Mall wasn’t. In those days, people had a reason to come to Main Street — actually, many of them.

There are still some reasons, like the MassMutual Center and some surviving restaurants and clubs, but simply not enough of them.

Creating more reasons is clearly the top priority for city planning officials and the administrators of Tower Square. Perhaps the tower can re-invent itself by moving away from traditional retail and into something different, such as outlet stores (not like the one that was there!) or offerings that cater to the creative community.

Meanwhile, there are opportunities with the soon-to-be vacant federal building to create opportunities to stimulate some vibrancy, perhaps even through market-rate housing.

Beyond the coincidences and those signs of the times, evidence is mounting that the downtown needs a battle plan — and a spark. And above all else, it needs to create more of those reasons for people to come.

Sections Supplements
There are Many Ways to Finance a Startup Business

It is one of the often-harsh realties of the business world: While new ventures begin with an idea, they can only truly get started with money.

Indeed, entrepreneurs and new-business owners alike are challenged by finding sources of funding during the startup phase. And unlike existing businesses with a proven track record relative to cash flow, customer base, and revenue stream, new businesses are often not profitable for at least the initial six to 12 months of operations.

That said, a new business nonetheless faces the same economic realties of an existing business, such as the need to purchase inventory, pay employees (including a salary to the business owner until profitability is maintained), and pay rent and other ongoing expenses. In addition, new businesses often have initial expenses such as equipment purchases, capital improvement, and initial inventory expenses, which can be significant.

What follows is a primer on determining what it will take to get a business venture off the ground, and also how to secure that financing.

Startup Cost Estimates

A sound business plan for a startup company should consider any and all costs that will be incurred during the startup phase of the business, and then on an ongoing basis. Initial substantial costs will likely be incurred for such things as inventory, equipment and machinery purchases, leasing and/or other real estate expenses, marketing expenses, insurance premiums, specific costs, such as franchise fees or license costs, and initial payroll costs.

If you’re considering starting a new business, it is wise to avoid understating and underestimating your initial capital needs during the startup period. The rule of thumb should be to overestimate initial capital needs and underestimate initial business operating revenues to avoid running into budgetary deficit. Whether or not you have contemplated seeking financing through an institutional lender, commercial lenders are often an invaluable resource for you relative to evaluating your business plan. In fact, since commercial lenders often are presented with numerous business plans by potential and current borrowers, they are often uniquely positioned to understand and challenge your estimated initial capital needs. Even an informal conversation with a commercial lender would likely be highly productive.

Once the associated needs and costs have been identified, your challenge is to identify a source to finance the startup of your business. There are a number of different forms of startup financing, including self-financing, equity financing, and debt financing.

Self-financing

Self-financing simply means that you fund the startup costs, drawing upon initial cash options such as savings accounts, home equity loans, retirement accounts, and other sources of liquidity. Often called ‘bootstrap’ financing, self-financing a business is the least complex and most popular form of financing new small businesses. You simply draw funds off the available liquidity on an as-needed basis, both during the inception of your business operations and during the course of your business startup period.

You should bear in mind, however, that frequently the same funds utilized for your business will also be needed in lieu of income during the startup period. Since it takes a potentially significant period of time for most new businesses to see profitability, you will likely need to draw upon existing cash surpluses to substitute income. So, if you’re contemplating utilizing bootstrap financing, you should consider covering not only business expenses that will be incurred during the startup period, but also living and personal expenses that will arise as well.

An alternative to bootstrap financing is seeking funding from family and friends. Not without a whole host of issues unto itself, family financing can be a cost-effective way to manage your business’s startup needs. Young entrepreneurs often seek initial loans from parents and other close relatives, with terms, conditions, and formality all determined by the circumstances. That said, even in the informal circumstance of a loan from a parent or close family relative, such a transaction nonetheless constitutes an obligation that could have other legal and/or account implications. Even loans between family members should be reflected by minimal documentation including at least a promissory note by and between the parties, and, as with all financing transactions, it should follow legal and tax consultation.

An advantage to startup self-financing or funding by family and friends is the ability to receive funding without relinquishing equity or control. In addition, the informality of loans from relatives and family members could lend itself to flexibility otherwise unavailable with other sources of financing.

Debt and Equity Financing

In the case where substantial capital needs are required by your business during the startup phase, more traditional debt financing or equity financing would most likely be needed. Debt financing is essentially funds borrowed to run your business, including loans from traditional lending institutions, commercial finance companies, and government organizations, such as the Small Business Administration (SBA).

Equity financing is a financing mechanism by which, unlike debt financing, you relinquish some portion of equity ownership in your business in return for a capital contribution. This often takes the form of an initial investor seeking stock (in the case of a corporation) or membership interests (in the case of a limited liability company), to reflect the contributor’s investment. While certainly an attractive and available option for many new-business owners, seeking equity investors should be undertaken with thorough evaluation.

In most circumstances, you have spent quite a bit of time developing your business plan with the intent of growing a successful and prosperous business. By incurring a new equity owner, you are relinquishing control and ownership, two factors that should be thoroughly considered at the onset. Indeed, private investors in a new business venture want to understand such things as how much control he or she will have over their new investment, and will want to know how long it will take for them to recoup their investment, as well as the nature of the potential returns that they can hope to achieve.

Angel Investors and Venture Capital

An additional method of financing is through angel investors and venture capitalists. They are available, albeit limited, funding vehicles. Angel investors are wealthy individuals or groups of individuals who provide capital financing in return for an ownership stake and control in a new business. Venture-capital firms similarly seek to provide capital investments, often-sizable ones, in return for ownership and control, including rights such as positions on the company’s board of directors.

In most circumstances, funding from angel investors and venture capital firms is unlikely to be available to a new business owner. Given the risky nature of these investments, most angel investors and venture capital firms look for the proven track record of an existing business seeking financing to provide some level of comfort relative to the profitability and success of the operation’s business plan. That said, while angel and venture-capital financing may not be available at the onset of the business operations, funds may be available after a period of demonstrated success.

Traditional Debt Financing

Unlike equity financing, traditional debt financing allows you to seek a loan without the need to relinquish ownership or control. Once a traditional business loan is paid back, there are no further obligations to the lender. This means that you will maintain ownership of 100% of your company and will benefit exclusively from its profitability on an ongoing basis. If you’re not looking to relinquish control and ownership, or incur a new business partner, traditional debt financing may be an attractive option.

Such debt financing generally involves some type of loan facility, including a traditional lending institution and/or a government agency such as the Small Business Administration. SBA loans administered through traditional lending institutions may have the ability to offer financing with slightly fewer qualification requirements than may be required through the institutional lender without involvement of the government agency. This is possible because agencies such as the SBA may guarantee repayment of some portion of your loan.

Institutional loans, whether or not government agency-guaranteed, will most likely be secured by some form of collateral. Often, collateral will include your personal guaranty, mortgages on your real estate, including your personal residence, and liens on business assets such as inventory and equipment. It should be noted that nearly one-half of all startup businesses seek initial financing through traditional bank loans.

As discussed above, commercial lending officers are often an excellent resource for evaluating the strength of your initial business plan. Additionally, as your business grows, an existing track record and relationship with a bank may assist you in receiving further financing such as credit lines and large term loans.

Even within the current economic climate, it is possible to launch a new venture. But it helps to know — and fully understand — all your options.

Jeffrey Fialky is an associate with the law firm Bacon Wilson, P.C., specializing in business, corporate, municipal, and real estate law;[email protected]; (413) 781-0560.

Sections Supplements
Entrepreneurship Hall of Fame Announces Inductees
Harry Samble

Harry Samble, founder of Belmont Laundry, making some deliveries.

When asked about his grandfather, Robert Samble Jr. started by pointing.

“That’s him,” he said, gesturing toward a framed photograph sitting on a shelf in his crowded office. Somewhat faded by time, the image is of a man sitting behind the wheel of a delivery truck bearing the name Belmont Laundry, circa 1915. “That’s Harry Samble … he started all this with grandma.

“That’s her there,” he continued, pointing to another picture, this one on a higher shelf. “She ran it for years with my father after grandpa died.

“And that’s my father there,” he went on, pointing to a picture of a man in uniform standing next to a P-47 Thunderbolt fighter plane. “That’s from his days in the Army Air Corps during World War II.”

When businesses stay in the same family for several generations, there are usually lots of old photographs on walls, atop credenzas, or in desk drawers, and so it is with the Western Mass. Entrepreneurship Hall of Fame’s Class of 2008. And as the saying goes, they speak a thousand words.

Barbara Meunier has a favorite picture of her father, Rupprecht Scherff, who ran the Fort restaurant in downtown Springfield for more than 40 years until his death in 1996. The picture in question shows him in one of the dining rooms, where one would usually find him, shaking up some cherries jubilee tableside.

“He was always working … always,” said Meunier, who now manages the Fort, known to some as the Student Prince, along with her brothers, Rudi and Peter Scherff. And there is now a third generation at work, she noted, adding that her son, Michael, is kitchen manager, and Rudi’s son (also named Rudi) recently took home his first paycheck for work in the deli.

There is a fourth generation now working at Belmont Laundry — Samble’s sons, Matt and Derek, have lead roles — and a fifth generation continues to market Absorbine liniment and other products at W.F. Young, which was started by Wilbur Fenton Young in 1892. The company, and the Young family, have several pictures of the founder, including one with his signature followed by the letters P, D, and F. Apparently, Wilbur’s father, Charles, didn’t think much of his son’s decision to start a company making liniment for horses and, later, humans. As a condition for granting a $500 loan to help finance an expansion of the venture, the elder Young stipulated that his son pronounce himself in all advertising as “Pa’s Darn Fool.”

Long-surviving family businesses, old photos, and the stories behind them may be the dominant theme for the Class of 2008, but there are other intriguing stories in this roster of inductees, the ninth to be enshrined.

Baystate Health is being inducted to recognize an entrepreneurial spirit that has manifested itself in many ways, said Tom Goodrow, vice president of Economic and Business Development at Springfield Technical Community College, which created the Hall of Fame. These include many new ventures in recent years, including the D’Amour Center for Cancer Care, one of many new developments on the north end of Main Street, and a $239 million expansion, dubbed the ‘Hospital of Tomorrow,’ due to be started this fall.

There are also the entrepreneurial exploits of Art Jacobson — who founded Olympic Manufacturing Group in Agawam, now called OMG Inc., and later founded Mr. Shower Door — and the individuals now at the helm at OMG.

The Class of 2008 was introduced at a reception staged May 22 at the Colony Club, and the new inductees will be honored at the annual Hall of Fame dinner on Oct. 2 at the Log Cabin Banquet and Meeting House.

Proceeds from that event will benefit the many entrepreneurship programs at STCC’s Andrew M. Scibelli Enterprise Center (SEC), said Goodrow. These include the YES (Young Entrepreneurial Scholars) program, which serves more than 1,000 young men and women in two dozen area high schools, as well as the Community Foundation of Western Mass. student business incubator in the SEC, which hosts up to nine fledgling businesses.

Here’s a look at the Class of 2008.

Belmont Laundry (the Samble Family)

Before moving on to that truck, Harry Samble picked up and dropped off laundry on his bicycle and, later, a horse and buggy.

In those days, his service was called ‘wet wash,’ said Robert Samble, noting that his grandparents would pick up laundry, wash it, and bring it back to the customer wet, to be dried on a line outside. This line of work has evolved considerably over the years, he continued, adding that Belmont now has a fleet of trucks and more than 50 employees, and handles more than 1,000 commercial accounts in a service area stretching from Newport, R.I. to Pittsfield.

How it arrived at this state is a story of perseverance, vision, and dedication to customer service, he explained. To emphasize this point, he stopped at a pair of recently cleaned uniform pants soon to be returned to a commercial client. Turning the waist back, he revealed a radio frequency identification (RFID) tag implanted within. Each item has one, said Samble, to ensure that every shirt, pair of pants, physician’s coat, or commercial floor mat goes where it’s supposed to go.

“The big outfits don’t do this, because it’s expensive and they don’t want to spend that kind of money on customer service,” he said, adding that Belmont has been taking such steps since Harry and Corrine Samble set up shop in 1907 in a barn on the location where the headquarters building still stands today.

Harry Samble died when his son, Robert, was only 14, pressing the second generation of the family into a large role within the business at an early age. For many years, Robert Samble and his mother ran the business, along with one of Harry Samble’s brothers, who was later bought out.

Robert Samble Jr. is a little sketchy on some of the history, because he never met his grandfather and his father died in 1967, when Robert was just 14. It was then that Robert’s mother, Dorothy, who had not been involved in the business at all while her husband was alive, essentially took over and kept the doors open.

“If it wasn’t for her, we wouldn’t be here today,” said Robert, adding that, in 1973, his mother was able to convince him to change careers (he had been a refractory mason) and join the family business.

Since then, he has orchestrated significant growth — the company has added locations in Agawam, West Springfield, Longmeadow, and a second store in Springfield — and diversification. He’s been joined in the business by sons Matthew, now project manager, and Derek, the dry-cleaning division manager, and stepdaughter April Caruso, who is supervisor of counter staff.

Commercial work, which now accounts for roughly 75% of Belmont’s business, remains strong, said Samble, but the retail side of the ledger has been soft in recent years, a trend he attributes to more-casual dress in the workplace, among other factors.

“People aren’t dressing up like they used to,” he explained, adding quickly that the company will persevere, whether that trend changes or not. It has endured for 101 years because it’s been able to add new wrinkles — or iron them out, as the case may be.

The Fort Restaurant

There are a few pictures of Rupprecht Scherff on the walls of the Fort, providing a continuing presence for the individual credited with making the restaurant a Springfield institution and popular stop for the business community.

But it is the work of two generations, and now a third, that has enabled the venue to persevere for 73 years, a very rare feat in the challenging restaurant business.

The Fort is known for many things, including its two names — ‘Student Prince,’ taken from a Sigmund Romberg operetta about student life in Heidelberg, and ‘the Fort,’ the name given the main dining room, in recognition of the fort John Pynchon built on the site in 1660 — and also an extensive collection of beer steins, its veal shank, scrod, and Roquefort salad dressing.

It all started back in 1935 with Paul Schroeder, a native of Germany and cigar maker by trade. After working at several area cigar factories, he took a job as the housemaster of the Springfield Turnverein, a German club that continued to serve its members libations during Prohibition. After repeal of the Eighteeth Amendment in 1933, Schroeder saw an opportunity to start his own business, and did so, partnering with Erna Sievers in the Student Prince restaurant on Fort Street.

Rupprecht Sherff would eventually take a job there in 1949. He came to the U.S. from Germany years earlier, at the behest of Robert Jarhling, owner of the Highland Hotel in Springfield, whom Scherff had impressed while he waited on Jarhling and his wife when they were visiting Bremen. Scherff worked at the Highland for many years and later fought in World War II before coming to the Student Prince. He started in the kitchen and was eventually asked to manage the restaurant. When Sievers died in 1961, she left the establishment to Scherff and another employee, Tante Grete, whom Scherff bought out in 1971 to assume sole ownership.

Barbara Meunier said she and her brothers practically grew up in the restaurant, eventually handling every job in it. Rudi started when he was 8, and was officially on the payroll at age 12. Barbara, meanwhile, started at 14. Neither thought they would make the Fort their career, but after trying other pursuits — Rudi practiced law in Springfield for several years — they gravitated back to Fort Street.

Today, they split the various responsibilities involved with day-to-day operations — Meunier handles most office duties; Peter, who has an MBA, handles most financial aspects of the business; and Rudi takes care of the kitchen and the menu — and continue many traditions started by their father, such as Octoberfest, Mayfest, a wild game festival, and elaborate decorations for the holidays.

They’ve also brought the third generation into the business, which, says Meunier, has the same work ethic as the man in all the pictures.

Baystate Health

Andrew Scibelli, president emeritus of STCC and chair of the steering committee for this year’s induction ceremonies, acknowledged that Baystate Health is a different kind of selection for the Hall of Fame.

Rather than acknowledging one individual or several members or generations of one family, the selection of Baystate constitutes recognition of an entrepreneurial philosophy that pervades the system and its more than 10,000 employees, said Scibelli.

“They’re not just running a hospital there,” he continued. “They’re being entrepreneurial in every aspect of that word; they’re looking for opportunities, they’re taking risks in some cases, and they’re taking steps that will benefit themselves and the community they serve.”

Elaborating, he said there have been many examples of this over the years, and especially the past decade or so. Endeavors include a number of ventures on Main Street, several blocks from Baystate Medical Center, with most of them involving former mill complexes that were either rehabbed or replaced with new construction.

These include the D’Amour Center for Cancer Care, the region’s only free-standing, multi-disciplinary cancer treatment facility, opened in 2002, and the Pioneer Valley Life Sciences Institute, a joint venture between Baystate Health and UMass Amherst that was created in 2004 to develop new approaches for the diagnosis and treatment of disease.

Other examples include the expansion of the health system to include Baystate Franklin Medical Center and Baystate Mary Lane Hospital, and the system’s involvement in the creation of the for-profit health maintenance organization Health New England, in which it still owns a majority interest.

The most recent, and soon to be most visible, example of Baystate’s entrepreneurial drive is a $239 million expansion project, the ‘Hospital of the Future,’ a nearly 600,000-square-foot complex that will replace some of the hospital’s older facilities with new, state-of-the-art patient-care areas that administrators say will directly address the needs of an aging population.

The expansion is perhaps the largest in the history of the system, which can trace its roots back to 1883 and the opening of Springfield Hospital. In 1974, what was then known as Springfield Hospital Medical Center merged with its neighbor, Wesson Women’s Hospital, to create the 672-bed Medical Center of Western Mass. In 1976, this entity merged with Wesson Memorial Hospital, located about two miles away. The merger established Baystate Medical Center, then the second-largest hospital in New England, with 1,036 beds.

In 1983, Baystate Medical Center was reorganized into three separate corporations: Baystate Health Systems, the parent corporation now renamed Baystate Health; Baystate Medical Center; and a for-profit corporation known as Baystate Diversified Health Services.

The Baystate Health family has grown significantly since its inception. In 1986, Baystate Franklin Medical Center in Greenfield joined Baystate Health; in 1991, Baystate Mary Lane Hospital in Ware joined the health system. In 1996, the Visiting Nurse Association & Hospice of Pioneer Valley, now renamed the Baystate Visiting Nurse Association & Hospice, also became a member of Baystate Health.

Through all the additions and name changes, the system has been consistently entrepreneurial in its approach to doing business and serving the community, said Baystate President and CEO Mark Tolosky.

“In the fast and ever-changing health care environment, we must be nimble and responsive to the needs of our patients and our communities, and assure them that we are stewards of all of our resources, and with that comes the need to be visionaries and risk takers,” he said. “One example of our entrepreneurial spirit at Baystate Health aligned with vision and risk relates to North Main Street in Springfield.

“Just over 10 years ago, the land sat silent, with vast, empty buildings — once home to robust manufacturers of hand tools and much more,” he continued. “The leadership of Baystate Health saw opportunity, and we invested $125 million to develop this Northern Edge Medical campus. Our lead role has led to significant private investment in the area. Now, we see a vibrant complex — with health care at its core — and with other businesses benefiting from the spin-off effects of this development.

“The vision we had became a reality and there’s more to come.”

W.F. Young

Wilbur Young was selling pianos in the early 1890s, and doing rather well at it, when he started looking for a different, more entrepreneurial career opportunity.

He found one through his love of horses — and some encouragement from his new bride, Mary Ida. The product that Wilbur developed, and that the couple made in a tub in their farmhouse kitchen, would come to be called Absorbine Veterinary Liniment. A blend of herbs and essential oils, the liniment would keep a horse from going lame while gently reducing swelling and stiffness.

More than 116 years later, the liniment remains the flagship brand marketed by W. F. Young Inc., a company credited with coining the phrase ‘athlete’s foot’ and, over the years, developing a wide array of health care products. Today, the company, which, after spending most of its existence in downtown Springfield, moved to East Longmeadow in 2000, is a global marketer of products for humans and animals.

The company, which started small, really began to grow when farmers discovered that Absorbine Liniment worked on humans, as well, said Tyler Young, its CEO, president, and fourth-generation manager. Using the original formula as a basis with some changes and
efinements, Wilbur created a liquid for human use, called it Absorbine Jr. Antiseptic Liniment, and brought it to the marketplace in 1903.

As demand increased, the original manufacturing operation in Meriden, Conn. proved insufficient, said Tyler Young, adding that his great-grandfather went to his great-great-grandfather and secured a loan — and its unusual condition. The company grew steadily over the years, adding some celebrity spokespeople — Hall of Fame pitcher Walter Johnson and Triple Crown champion Secretariat’s trainer, Lucien Lauren — while also adding ‘athlete’s foot’ to the lexicon in the 1930s.

The company typically introduces between five to 10 new products a year, said Tyler Young, adding that recent additions include DuraGuard® and Bug Block® insect repellents for horses, the innovative Stall Safe® brand disinfectant and sanitizer for stables and stalls, and Myoplast®, an amino-acid supplement which helps provide strength and stamina in horses while supporting lean muscles.

More than a decade ago, the company transitioned out of manufacturing and now bills itself as a virtual marketing company, Young continued. Production of the entire network of brands is outsourced throughout the U.S.; the operations department manages production from the company’s East Longmeadow headquarters. After 80-plus years in Springfield, the company moved to its new offices in the East Longmeadow Industrial Park in 2000.

Art Jacobson and OMG Inc.

He called it the “roofle.”

That’s the name Art Jacobson came up with for a new product he contrived back in 1981 to suit the needs of one of his clients.

At the time, Jacobson was a manufacturer’s representative for companies that made bolts, rivets, and screw-machine parts, among other things, and selling to companies like Hamilton Standard, Pratt & Whitney, and Electric Boat. He was calling on a client that made commercial roofing systems when a discussion ensued that would eventually lead to what Jacobson called a “fluke of a business,” and what has become one of the region’s most intriguing entrepreneurial success stories.

“I was selling him long screws to fasten his roofing down to concrete decks,” Jacobson recalled. “He said that if I came up with a different kind of fastener, like a long toggle bolt, he could use it to fasten roofing down to lightweight concrete decks where a screw wouldn’t work.”

One of the companies Jacobson represented made long bolts that he sold to a wooden-rail manufacturer. He borrowed some, took them to a hardware store in Springfield, and put toggle wings and large washers on them. He then took them back to his roofing-industry client, who pronounced them exactly what he was looking for.

Thus, the Olympic Manufacturing Group was born, only it would be several more years before it would be called that — and before it did any manufacturing.

After securing a patent for his roof toggle, or ‘roofle,’ Jacobson took out an ad in a national roofing trade publication which touted the product and its potential. And calls started coming in. Still at his sales job and with no inventory on hand, Jacobson started having the roofle made for him to fill those orders, and, in so doing, moving more quickly than most entrepreneurs would in taking a venture off the ground.

“I found myself getting into a business I really knew nothing about,” he explained. “Most entrepreneurs will investigate to the hilt or work on a product for six months or a year before deciding whether to take it to the market. Not me; I sort of fell into it.”

Fast-forwarding somewhat, Jacobson said he would have long bolts shipped to him, add the toggles and other features that converted them into roofles, and run back and forth to Bradley International Airport to ship them out. Eventually, he and his wife, Esther, rented out 250 square feet of space to operate the venture, and by late 1982, they had decided to go into business together.

Within a few more years, Olympic would become a manufacturer of roofing fasteners, and by 1985 it would be No. 1 in the industry.

Jacobson said the key to the company’s steady growth within the Agawam Industrial Park was hiring the right people, individuals such as Hugh McGovern, who would later become president of Olympic (later to be called OMG), after Jacobson sold it; Dan Murphy, who eventually would become president of a succession of larger owners of OMG; and Tom Wagner, OMG’s senior vice president.

“We succeeded because I surrounded myself with people better than me,” he explained. “They took the company to places I couldn’t.”

Jacobson described his sale of Olympic in 1994 as the “quintessential win-win,” and both parties would go on to write more success stories.

After “chasing the grandkids around for several years,” as he put it, Jacobson started Mr. Shower Door in 2005. He’s tripled sales since them, and now has three locations.

Meanwhile, OMG continues to grow, organically and through acquisition. The most recent example was the purchase and assimilation of Illinois Tool Works (ITW), Buildex’s roofing business segment, which is now known as OMG West.

Today, total sales are approaching $150 million. Not bad for a “fluke of a business.”

George O’Brien can be reached at[email protected]

Sections Supplements
Training for ‘Green-collar’ Jobs Moves to the Forefront on Campuses and in Communities

As new opportunities present themselves in so-called ‘green industries,’ the need for a new workforce to fill these positions is building. The region could have a new economic stimulus in environment- and energy-based fields, and while these sectors are still a small part of the business landscape, they’re also a bright spot on the horizon in terms of the jobs of tomorrow.

Nancy Bair is currently focused on the opportunities she sees in the creation of what are called ‘green-collar jobs.’

“I did some research, and that phrase is being thrown around like crazy,” said Bair, director of the Office of Workforce Development at Greenfield Community College. “We’re at the very beginning of a new field, and it’s only going to grow and change, so that’s part of our job — to grow and change with it.”

GCC ramped up its sustainable- and renewable-energy curriculum last year to provide more training for these jobs, which range from the manufacture of wind turbines to installation of photovoltaic (PV) solar panels to energy auditing, not to mention a growing number of more-traditional jobs being expanded with environmentally friendly components. The college has been helped along in part by a workforce-sustainability grant, which helped partner the college with dozens of other businesses and organizations across Western Mass., slowly making ‘green-collar’ a more recognized (and welcomed) term in the region.

In turn, jobs in environmentally based or sustainable-energy fields of service are under the watch of many as they emerge. Alexandra Risely Shroeder’s title alone speaks volumes about her work, for instance. She’s the ‘green jobs coach’ for the Franklin Hampshire Career Center and Regional Employment Board.

“We are looking at how to support the growth of renewable and sustainable practices, such as energy efficiency and green construction,” she said. “Sometimes, the economy grows, and a trained workforce doesn’t grow at the same time. We’re trying to synchronize this, and we also want to avoid training for a job that isn’t here.”

Meanwhile, Mike Kocsmiersky, vice president of research and development with SolarWrights Inc., a renewable-energy company that designs, sells, installs, and services renewable-energy systems across the Northeast, is paying close attention to the needs of his industry as it continues to evolve as an economic engine locally and across the nation.

“The industry is small, so right now there are only a handful of jobs compared to those in more-traditional fields like HVAC or plumbing,” he said. “But at the end of the day, we will prevail. It’s viable technology, it’s cost-effective, and energy conservation has an outstanding return on investment.”

The New Recruits

Despite their different views of the vast ‘green’ industry, all three of these professionals see the importance of finding, training, and employing the people who will populate the emerging green-collar workforce. It’s being culled from many different places; some are making a career change to green industries, while others are adding new skills to existing jobs. Construction outfits, for example, are looking to expand their services by recruiting employees with a background in green design and materials, while electricians and HVAC workers are learning how to properly wire solar-powered water heaters.

Still others still are choosing ‘green majors’ or certificate programs at community colleges, or learning about job opportunities as early as elementary school.

Schroeder said that, essentially, her job is to help residents in Western Mass. — and particularly in Franklin and Hampshire counties — identify career opportunities locally, thus stimulating the economy as well as creating important career ladders. She works with various literacy programs for adults, including those learning English as a second language; develops curricula for high-school and college courses to spread awareness of green economies; and also partners with the Franklin County House of Correction promoting new job opportunities.

However, much of her work as a ‘green’ careers coach is focused on younger populations, and developing a pipeline of trained workers to staff these emerging industries.

“I work with students from literacy programs, career centers, those who aren’t in school and perhaps are vulnerable,” said Schroeder. “I conduct youth workshops and have conversations with them about green careers, so they can explore their interests and skills to see if there’s a career match.”

She added that it’s an important part of the Franklin County REB’s overall economic development plan to create jobs that are available to high-school graduates, those who have earned a GED, and those holding associate degrees.

“One of the commitments of the REB is that, as we grow, the economy can create career pathways that are accessible at the entry level,” she explained. “That creates opportunities for advancement over time, and our vision is that the economy will be large enough to accommodate these over time, as well.”

The jobs Schroeder often explains to potential green-collar workers are wide-ranging, suggesting an industry that’s not relegated to any one type of training or work. They include solar-energy equipment installers, energy auditors, insulation installers, green construction workers, and a wide array of more-traditional jobs, such as in the fields of plumbing and home building, which can be augmented with an understanding of energy-efficient and environmentally friendly systems.

Looking ahead, Schroeder said she’s working with instructors at both the high-school and collegiate levels (including at GCC) to create a curriculum for teachers looking at some of the issues that are driving green-collar jobs forward, such as peak oil usage, fossil-fuel conservation, and the benefits of a green economy.

“The idea is to create an introductory awareness that relates to both the economy and the planet,” she said.

Sustainable Education

Bair said GCC is also in the midst of developing a comprehensive career-preparation program focused on sustainable and renewable energy and energy policy. The endeavor has been helped by a three-year, $373,000 grant from the Workforce Competitiveness Trust Fund (WCTF), an arm of the Commonwealth Corp., a nonprofit organization in Massachusetts focused on workforce development.

“We applied for the grant to develop a workforce around renewable energy — but we already had a sustainable-energy course in place when the grant opportunity came along,” said Bair, adding that the grant gave GCC a chance to build on an existing strength, as well as a jumping-off point to create new inroads to a greener economy in Franklin County. “We said, ‘let’s get local partners and start offering courses.’ That started a year ago, and people have been coming out of the woodwork to take these classes.”

In fact, the demand has been so great that Bair said GCC has already accounted for and exceeded the amount of the WCTF grant, but plans to move forward with green programming and make it a permanent part of the curriculum.

“We will figure out the last two years in a modified kind of way because we’re a little over, but we added courses due to demand,” she said. “GCC is expecting this to be an active program forever; the three-year grant should be just the beginning.”

GCC created a one-year certificate program in renewable energy and energy policy that is up and running now, and in two years, the college expects to launch a two-year degree program. Students now enrolled include those earning college credit as well as professionals looking to boost their skills through non-credit, professional-development classes, sometimes sponsored by employers.

Both groups attend classes together, creating an exchange of ideas and networking opportunities that are positive byproducts, Bair noted.

And partners have also come in abundance.

Bair said that because Franklin County is still a relatively rural area, there is no single, large company involved with the new green programming at GCC, but rather several smaller outfits ranging from nonprofits to community organizations to privately-owned businesses, and even a union: the United Brotherhood of Carpenters and Joiners of America, Local 108.

“We partner with contractors, plumbers, HVAC professionals, housing authorities, and they’re all from the local area,” she said. “We have several small partners, and they’re all the right people.”

These partnerships allow for assistance in teaching and planning courses, a pool of employees from which to draw, and a snapshot of what the needs of the region are in these industries, Bair added, especially in the area of energy conservation.

They’ve also been integral in illustrating just how broad the reach of green-collar jobs can be in the future, and that has been a learning experience for GCC as it unveils its new suite of courses catering to this employee set.

“We started figuring out what energy efficiency is, and what the demand is,” said Bair. “Photovoltaics, solar hot water, and energy audits are the biggest areas for us right now, but the job opportunities are seemingly endless.”

She explained that GCC has identified three categories of green-collar jobs that could all benefit from additional training at a collegiate level, for a degree or otherwise.

The first is a group of traditional jobs in new fields: store managers, sales and marketing professionals, Web designers, and even franchisees are all a burgeoning aspect of the green industry as new businesses are created in this arena. The second is trade jobs to which additional skills can be added, and the third is new jobs created as a part of the green movement. Policy leaders, biofuel chemists, certificate coordinators for green-building councils, and an increasing number of agricultural jobs are among these, in addition to those sustainable-energy jobs GCC has already recognized as an area of growth.

“We may need to continue to research these fields in the future to stay current, but our long-term goals are to create new jobs and necessitate new hires for those jobs,” said Bair, noting that, while GCC is only at the beginning of this process, some positive signs are already being seen, and recorded carefully.

“We’re at the beginning in terms of filling jobs, and it’s more complicated than just putting a person into an open spot,” she said. “Some of our students are unemployed, some are in different occupations, and some are taking on new responsibilities at existing jobs.

“We’re focused on creating pay increases as one byproduct we want to see across the board, and fostering more successful businesses is another,” she continued. “We’re hoping this training will start bringing in more money that is related to renewable energy, and we’re tracking business outcomes, and so far they’re looking good.”

It’s Not Easy Being Green

That said, the planning and design of courses to prepare a new green-collar workforce are ongoing tasks on many college campuses, which are navigating a fast-changing set of industries as they simultaneously devise the best academic approach to teaching green skills.

Kocsmiersky, who is the former owner of Kosmo Solar, bought by Rhode Island-based SolarWrights Inc. this past January, has been immersed in the solar trade (most specifically in the design and installation of photovoltaic systems, which serve as a conduit for solar power, and solar-heating systems) for more than a decade. He has maintained offices in Springfield, now serving as SolarWright’s Massachusetts branch, and has also been tapped by Springfield Technical Community College to assist in the development of its own green-collar curriculum.

When planning these courses, the needs of his industry are never far from Kocsmiersky’s mind. The paperwork alone, he said, is onerous for green businesses, which depend largely on state and federal tax credits and rebates to stem the costs associated with many of the products they sell and install, including PV systems.

He added that the skills necessary to thrive in this still-small yet growing sector are much more broad than learning how to install a solar panel on a roof. Rather, green-collar jobs like those in the photovoltaic industry draw from a number of disciplines, ranging from an understanding of building trades to legislative literacy.

“Presently, there seems to be a strong undercurrent at community colleges in the region trying to develop training programs,” said Kocsmiersky. “That’s where they’re running into difficulty, because very few have funding to develop classes. Curriculum developers are trying to consult people like me regarding what to teach.

“Another aspect of this ongoing conversation is asking ourselves what we should teach,” added Kocsmiersky, noting that he thinks courses should be broken into four categories.

These would include ‘solar principles’ — everything from looking at the effects the sun’s rays have on a property at different times of the day to solar thermal and electrical design; a designer’s class, examining the planning components necessary to install a wide array of green structures such as solar panels and wind generators; a practicum, offering experience in the hands-on aspects of green jobs, such as the proper way to mount solar panels to structures and wire systems, or how to prevent leaks; and, finally, an administrative track, designed to explain how complicated rebate programs work, how to process paperwork, and what legislation is driving the industry.

This last matter is a big, fundamental issue affecting green jobs, said Kocsmiersky — and employees at all levels in green industries must be charged with understanding the role politics plays now and will play later in the health of their sector.

“All things come back to political willpower,” he said. “The whole industry will continue to grow at the same numbers we’re seeing now, but if we start seeing a real commitment and less political football, there are huge opportunities for growth.”

Kocsmiersky also noted that tax credits are a big piece of this political puzzle.

“These are expensive systems, and that creates a need for green businesses to carry a certain amount of credit until rebates kick in,” he said. “People can’t a run business when they can’t get their cash flow under control or secure bank loans without certainty.”

He added that, on the other side of the coin, when rebates for homeowners and businesses installing energy-efficient electrical, cooling, or heating systems are reduced, they’ll be less likely to take the plunge.

“If you’re a business considering alternative energy, you might not get them installed until the following year, and that makes the lag in green industries, particularly the photovoltaic industry, even worse,” he said.

Time for Change

Still, Kocsmiersky said that main driver behind the green industry is the technology by which it’s defined, and the increasing acceptance of it, especially as electricity, oil, and gas prices soar.

“The industry is moving fast, and it’s sometimes hard to stay on top of it,” he said. “Six years ago, I knew everyone. Now, there are a lot of new players. The growth rate in my industry last year was about 60% in terms of gross sales — PV gets the lion’s share of the press, and is one of the more financially feasible, proven technologies for consumers. But at the end of the day, things like wind farms and geothermal technology will be even bigger industries — they’re just not talked about as much.

“We may be small,” Kocsmiersky concluded, “but the potential for big, a
nual growth is huge.”

And when that day comes, it’s hoped that a line of green-collar workers will be ready to punch their time cards.

Jaclyn Stevenson can be reached at[email protected]

Departments

The following building permits were issued during the month of May 2008.

AGAWAM

Baystate Health Rehabilitation Services
200 Silver St.
$276,500 — 2,606 square feet tenant fit-up

CH Corporation
23 Suffield St.
$3,000 — Shorten length of roof on driveway canopy

AMHERST

Amherst LLP
188 East Hadley Road
$27,000 — New roof

Claudette Boudreau
534 Main St.
$6,800 — Interior alterations for “Fitness Together”

Royal Monument Inc.
707 Main St.
$14,900 — Exterior renovations

CHICOPEE

Big Y Foods
2189 Westover Road
$407,000 — Install warehouse racking

200 Tillary LLC
165 Front St.
$12,000 — Alterations to 2nd floor

EAST LONGMEADOW

ABC Develop Consulting
24-26 School St.
$70,000 — New roof, windows, and siding

Curry Architecture
One Apple Blossom Lane
$9,327,000 — New commercial construction

Chester & Lorraine Czupryna
135 Denslow Road
$59,000 — New commercial building

GREENFIELD

Argotec, Inc.
53 Silvio O. Conte Dr.
$1,570,000 — New commercial pre-engineered metal building

Greenfield Farmers Cooperative Exchange
275 High St.
$23,000 — Build a storage platform

Robar, Inc.
225-245 Mohawk Trail
$20,000 — Repair damage from truck accident

 

Clinical & Support Options
43 Franklin St.
$9,600 — Interior repairs

HADLEY

Benjamin Paul
4 Bay Road
$3,200 — Install shower and laundry

Richard Hollrock
294 Russell St.
$9,000 — Interior renovations

HOLYOKE

Holyoke Mall Company, L.P.
50 Holyoke St.
$104,000 — Remodel Pretzel Maker store

SOUTH HADLEY

Maraline Development
21 Industrial Dr.
$1,708,000 — Construct addition

SPRINGFIELD

Baystate Health Systems
759 Chestnut St.
$206,000 — Renovate existing labs

Baystate Health Systems
759 Chestnut St.
$81,800 — Alterations to fourth floor pediatric center

Baystate Medical Center
253-255 Marvin St.
$115,000 — Cosmetic remodel of offices

Baystate Medical Center
55 Pratt St.
$70,000 — Cosmetic remodel of offices/sleep rooms

WEST SPRINGFIELD

Fred Aaron
1680 Riverdale St.
$2,000 — Interior renovations

George Christy
166 South Boulevard
6,300 — Renovate existing commercial space as personal training center

SRC West Springfield Inc.
One Charles River Place
$231,000 — New roof

Departments

A Colorful Lunch Learning about Giclee

May 28: Nancy Bryant of Giclee of New England will present the history and visual examples of the high quality technology of Giclee printing and its emergence from the photography and fine-art realm to the commercial-printing industry. The 11:30 a.m. to 1 p.m. luncheon event is sponsored by the Ad Club of Western Mass., and will be conducted at the Kittredge Center at Holyoke Community College. The cost is $25 for Ad Club members, $35 for nonmembers, and $15 for students. To make reservations, visit www.adclubwm.org.

401(k) Fiduciary Compliance

May 28, 5:30-7:30 p.m.; May 29, 7-9 a.m.: Representatives from the Massachusetts Regional Office of the Department of Labor will present workshops on what businesses need to know about 401(k) fiduciary compliance. Topics include: “401(k) Litigation,” “401(k) Fees in the Spotlight,” “Update from the DOL,” “The Next 401(k) Fee Initiative,” and “Revenue Sharing.” Sessions will be conducted at the Hilton Garden Inn on West Columbus Avenue in Springfield. To make reservations, call Rose Talbot-Babey at (413) 734-6418 or E-mail : [email protected]

Gus & Paul’s Marks 50th

May 29: Gus & Paul’s Bakery and Deli of Springfield will be celebrating a milestone — 50 years of community service — by hosting a Taste of Gus and Paul’s from 6 to 10 p.m. at the Basketball Hall of Fame. Proceeds raised from the festive affair will benefit Clinical and Support Options, a local, private, non-profit organization that protects and promotes the rights and well-being of children and families. Designer food and dessert stations will feature the selections that have made Gus and Paul’s successful over the years. The Ted Levine Jazz Quartet will provide the entertainment for the evening. A cash bar will be available. Other highlights of the affair will include the Gus and Paul’s Challenge, a cupcake-eating contest, a raffle, and a live auction. Tickets cost $40. For more information, call (413) 737-9544, ext. 319, or (413) 782-5710.

Business Ethics Seminar

June 3: The CPE Forum, a community business-education group, is offering a four-hour seminar in business ethics at Courniotes Hall at American International College in Springfield. The course will meet the continuing professional-education requirements in ethics for CPAs, enrolled agents, and other business professionals. The general public is also invited to participate in the seminar. For more information, visit www.cpeforum.org. To register or for more information, call (413) 746-9067 or E-mail [email protected].

Focus on Venezuela

June 4: The World Affairs Council of Western Mass. will present Dr. Javier Corrales, associate professor of Political Science at Amherst College, at an Instant Issues brown-bag lunchtime discussion on “Venezuela’s Foreign Policy: Hard Power, Soft Power, and Social Power” in the Sovereign Bank Community Room, 1350 Main St., 3rd floor, in downtown Springfield. The cost is $6 per person without lunch and $12 per person with a meal provided. To make reservations, call (413) 733-0110.

‘The New Philanthropy’

June 6: Bay Path College’s Graduate School will host a free breakfast program titled “The New Philanthropy: What Donors Want, What Donors Need” from 8 to 10 a.m. in the Blake Student Commons on the Longmeadow campus. A continental breakfast begins at 7:30. The program is open to individuals working and volunteering at nonprofit organizations. Keynote speaker Claire Costello, national executive for philanthropic management for the Bank of America, will review the most important trends in this new philanthropic era. As part of a panel, local nonprofit and corporate leaders will respond to the presentation with their own personal insights about what the new philanthropy means for the region. For more information and to register, call (800) 782-7284, ext. 1056, or visit www.baypath.edu.

Children’s Miracle Network Telethon

June 7: Now in its third decade of fundraising to benefit young patients and their families throughout Western Mass., the 22nd edition of the Children’s Miracle Network Telethon at Baystate Children’s Hospital will be broadcast over WWLP-TV22 from 7 to 11 p.m. at Baystate’s Chestnut Conference Center. Viewers will have an opportunity during the telethon to join the special “Miracle Maker Club” for a pledge of $20 a month. In addition, an above-ground swimming pool, valued at $5,000 and donated by Teddy Bear Pools and Spas, will also be auctioned off during the broadcast.

Departments

Jackson & Connor Opens

NORTHAMPTON — Jackson & Connor, a new men’s apparel store, recently opened on the second floor of Thornes Marketplace. Set in a retail atmosphere that recalls a men’s club with rich, dark, painted walls and wood furniture, Jackson & Connor features several lines including Jhane Barnes, Donald Pliner, John Varvatos, and Edun. The 1,100-square-foot store also features casual and up-tailored men’s clothing and a large selection of accessories.

Paul Robbins Associates Wins Award

WILBRAHAM — Paul Robbins Associates Inc. is a “Silver” winner in the 2008 Summit Creative Awards competition for its creative work for HAP Inc., the region’s housing partnership. The award is for a video, titled “Home,” which was produced by Paul Robbins and shown during HAP’s annual dinner and is used for development purposes by the organization. “Home” highlights HAP’s groundbreaking collaboration of new-home construction and community reinvestment in the Old Hill neighborhood of Springfield. The Summit Creative Awards recognizes and celebrates the creative accomplishments of small and medium-sized advertising agencies and other creative groups with annual billings of $30 million or less. Paul Robbins Associates at Post Office Park is a consultancy providing a wide range of communications services related to public-affairs and marketing strategy and execution.

Big Y Participates in ‘Be Food Safe’ Campaign

SPRINGFIELD — Big Y Foods Inc. has joined food retailers from across the country in a cooperative government, industry, and consumer-group effort to reach millions of consumers with important food safety information on the basic food handling practices of “clean, separate, cook, and chill.” Be Food Safe, originally launched by the U.S. Department of Agriculture and the U.S. Partnership for Food Safety Education, encourages retailers to display food-safety messages and visual reminders in front of customers through in-store promotions, brochures, flyers, packaging, circular ads, Web sites, and other forms of customer outreach. Nearly 40 retailers, representing approximately 6,000 supermarkets and an estimated 81 million consumers, have volunteered to implement Be Food Safe through their in-store and external customer-communications programs. While the overall rate of foodborne illness has been declining, the Centers for Disease Control and Prevention indicate that an estimated one in four Americans suffers from food borne illness each year. Consumers can download and print their own Be Food Safe brochure at www. befoodsafe.org.

Caring Health Center Opens Third WIC Office

SPRINGFIELD — Caring Health Center recently opened its third WIC office at 860 Boston Road to provide health education and nutrition services to area women, infants, and children. WIC programs are funded by federal grants that are administered through the Mass. Department of Health. Caring Health Center provides WIC services at its other city locations — Springfield South, 1139 Main St.; and Forest Park, 523 Sumner Ave. Caring Health Center’s WIC programs served more than 3,900 participants in Springfield, Longmeadow, East Longmeadow, and Hampden before the expansion to Pine Point, according to Anne S. Awad, president and CEO of Caring Health Center. For more information on services, visit www.caringhealth.org.

STCC Foundation Closes Major Gifts Campaign

SPRINGFIELD — The Springfield Technical Community College Foundation concluded its first major gifts campaign, “The Best Return On Your Investment,” on May 13 with a victory celebration. The year-long campaign raised more $4.5 million, which will support technology-based educational programs and allied-health programs, in addition to providing need-based scholarships for students. The initiative was established to maintain STCC’s role as a leader in technology and innovation, according to Ira Rubenzahl, president of STCC.

Hampden Bank Awards Grant to Library in Indian Orchard

SPRINGFIELD — The Hampden Bank Charitable Foundation recently donated a $15,000 grant to create after-school art programs for young people in the neighborhood of Indian Orchard. The funds will pay for a series of art programs in collaboration with the Artists’ Mill at Indian Orchard for children ages 8 to 17 in the Indian Orchard branch of the Springfield Library. The project begins this summer and continues into the school year with Saturday and evening classes.

Sections Supplements
Sometimes, It’s a Matter of Simply Applying Some Science to the Equation

You’re just not making the money you should. Your revenue is plateauing, that raise you were expecting hasn’t come through, and your multi-level/real-estate/Web-site/cash-flow marketing scheme is in the red. You’ve been looking hard for the levers that will take you to greater financial success, but so far — despite buying lots of books and CDs from the gurus — they’ve eluded you. How can you access and ‘turn on’ the financial possibilities available to you?

While the concepts are unfamiliar to most, the universe has so much to teach us about amplifying our financial possibilities into real, tangible wealth. On a constant basis, the universe is amplifying quantum possibility into this three-dimensional reality that we call home. The chair you’re sitting in and the walls around you are merely collections of energy that have been encouraged to hold their formations until such time as a more powerful suggestion comes along. Your financial situation is a collection of energy, possibilities, and probabilities that are manifesting as tangible results in your life. How can you gain control of this energy and create additional abundance for yourself?

Science indicates that you have the power to choose and amplify your financial possibilities into reality using the same methodologies the universe uses; the only thing holding you back is a misalignment with your dreams and goals. Here are some tips from science to focus your efforts and turn on your amplification powers full-force.

Observe and Choose. When scientists watch subatomic particles in quantum-physics experiments, they behave differently than when no one is watching. Our conscious observation causes an unexplainable reaction, but one that definitely exists. In our everyday world, observation alone modifies outcome. It has been demonstrated to improve patient care, training outcomes, customer service, and even the cleanliness of hotel rooms. So, the first step to amplifying your wealth is to observe the available possibilities and survey the possible wealth landscape.

What will your life look like when your financial dreams have come true? Spend time exploring your options, and then select those possibilities that you will amplify into reality. It’s important to be specific because, if you don’t know what you want, the universe won’t be able to provide support to your creative process.

For example, if you would like to generate more revenue in your business, determine how much more, and by when. If you’d like to get that raise, determine the amount that you’ll take home in your paycheck every pay period, and the date of the first check showing the difference. Record your selections in writing. You might want to make a photocopy of your paycheck, modify the numbers, and pin it up on your desk as a reminder that this is what you are in the process of creating. The simple process of observing that symbolic check every day will create focus and attention.

Create a belief-management system. The science of epigenetics is the study of environmental forces that can modify the way your genes express themselves. These forces include your diet, your surroundings, your relationships, and your beliefs. It’s your beliefs that determine whether you feel safe or threatened, and that determination sets up one of two conditions in your body: growth mode or protection mode. In growth mode, the body participates in creative processes required for life, such as building new cells and proteins. In protection mode, nothing new is built, and all energy is funneled to the emergency systems. If you’re feeling stressed most of the time, you are primarily in protection mode. And if you’re stressed over creating wealth, you’re setting yourself up to be unable to support your wealth-creation process. By aligning your beliefs with your goals, you can not only reduce stress, but reduce self-sabotaging behaviors as well.

So, what are your beliefs about money? You may believe, for example, that you don’t deserve it. You may believe that managing more money will be burdensome and will require a lot of work. You may believe that having more money will cause you to lose friendships, or will take time from your kids. If you are struggling to create more wealth, it’s likely that you have some unexamined beliefs sabotaging your efforts. Regularly reviewing your beliefs, discarding those that don’t serve you, and choosing new beliefs that support your vision will reduce friction in your efforts.

Leverage the environment. The universe’s method for selecting which quantum possibilities will be amplified into reality is called decoherence. The most robust and stable options available will be amplified. Robust possibilities are those that have lots of information about them in the environment, whereas stable possibilities are those that are consistent over time. You can make your financial possibilities robust and stable, too. To create information in the environment about your vision of abundance, you can tell people about it, write about it, visualize it happening, and take actions that are in alignment with it.

If your vision is to grow your company’s revenues 20% by year’s end, for example, hold a staff meeting and tell your employees. Plan for the tax implications. Break the annual goal down into monthly goals, and chart your progress against those goals daily or weekly. Tell associates about your intention, and ask for their support via referrals or leads. Tell customers that you’re growing, and that you want them to be a part of that growth. Write a sales plan. Modify sales compensation to line up with your vision. To bring stability to your vision, do these sorts of things consistently over time. Live every day as if your vision has already come true, and the universe will know you’re serious.

Measure yourself correctly. Quantum physicists have discovered that they can slow down or speed up subatomic processes just by measuring them. The way they measure and what they measure will determine whether they impede or accelerate the process. You measure yourself every day, and you’re probably much better at catching yourself when you mess up, fail, or fall short than when you’ve done something wonderful. Do you think those negative measurements slow down your progress toward your dreams, or speed it up? If you said ‘slow down,’ you’d be right.

By constantly recording, mentally or otherwise, that you are not yet where you intend to be creates a drag on your wealth amplification process that will slow you down. Instead, take the time each day to recognize and record the positive steps you’ve taken toward to creating the abundant life of your dreams. Even the smallest steps count, such as five minutes visualizing, one phone call to an inactive client, or putting even $1 into your savings account. Take these positive measurements regularly, and you will accelerate the creation of wealth in your life.

Throughout history, humans have amplified their possibilities into reality. We are so good at it, in fact, that we can make even the impossible come true. Your dreams for abundance are valuable and uniquely yours, and you are worthy of experiencing them in reality. Stay true to your vision, apply this science, and watch your financial situation blossom.

Sections Supplements
A ‘Snapshot’ That’s in Focus and a Solid Business Plan Are Some of the Keys

What, if anything, can a business owner do to position his or her company to obtain the credit availability that it needs to both operate and, in many instances, survive in today’s ever-changing and volatile economy?

There are several critical factors that providers of business credit view as vital when considering a company’s request for credit, which may involve many different types of credit facilities, such as a working capital line of credit, a fixed asset/equipment non-revolving line of credit, a term loan, or a mortgage loan. Paying close attention to these factors can enhance and, in many cases, provide the key to your company’s obtaining the necessary credit availability that you are looking to gain.

The first factor is what many lenders call the ‘snapshot’ of the company at a specific point in time. This is usually comprised of a company’s most recent financial statements and consist, at a minimum, of a balance sheet and a profit-and-loss statement. These financial reports provide a prospective lender with a detailed and comprehensive picture of your company’s current business operations and profitability, as well as a reasonable indicator of future growth. It is an effective tool in your company’s pursuit of credit. Depending on the lender, an in-depth interview may be conducted with the owner(s) or senior management to allow the lender to become more intimately familiar with both the company’s operations and its decision makers.

Another factor to consider is a well-defined business plan. Having such a plan in place demonstrates that you have already wisely considered your company’s future strategic growth and related financial projections, which address both the anticipated income and financial needs of the company. Supplying a copy of this plan to your prospective lender will provide a solid indication to the lender that your company possesses smart management, which is generally given substantial weight in any credit decision. It is important to remember that you are asking a prospective lender to effectively become a partner with your company, and knowing that your company has had the foresight to require such a business plan will go a long way toward creating a level of comfort on the part of the lender.

It is also important to consider self-promotion. Clearly demonstrating to a prospective credit provider that your company has established a proven track record is paramount, and providing a prospective lender with insight into what is transpiring in your particular industry can add credibility to your request for an extension of credit.

Furthermore, something that is often times given a substantial amount of weight in the quest to obtain a favorable credit decision is collateral security. While no provider of credit will approve requested financing solely on the basis of the value of the underlying collateral to be pledged as security for an extension of credit, offering your prospective lender strong, easily valued, and easily accessed loan collateral is a critical component that cannot be overlooked. Such collateral security may consist of a grant of a security interest in ‘hard’ assets such as furniture, fixtures, equipment, and real estate; more ‘fluid’ assets such as inventory and accounts receivable; or truly ‘liquid’ collateral in the form of cash, certificates of deposit, or brokerage accounts. The actual value of, straightforward access to, and ease of liquidation, if required, are all considered in not only whether a particular request for credit will be approved, but also whether the terms of the credit facility are more or less favorable to your company.

One final suggestion: ask for it. Many times business owners are reluctant to initiate a request for credit based on what they perceive are insurmountable obstacles to obtaining a favorable response, when in fact many such perceived obstacles may be able to be satisfactorily addressed and overcome by working in concert with a sophisticated lender who can bring both creative and fiscally responsible alternatives to the table.

Consequently, when your company is seeking business credit, it only makes sense for you to review and consider your company’s strengths and weaknesses in the context of each of the foregoing areas. Doing so will provide your company with a solid basis for obtaining the necessary credit facilities you need to operate and grow your company.

Gary G. Breton, Esq. is a partner with Bacon Wilson, P.C., and a member of its Banking and Finance Department. His major emphasis of practice includes representation of financial lending institutions, as well as both individual and business borrowers. He also represents numerous business clients in the startup, purchase, and sale of businesses; (413) 781-0560;[email protected]

Sections Supplements
More Students in All Disciplines are Taking an Entrepreneurial View of the World
Bob Hyers

Bob Hyers says that formalizing the entrepreneurial programming at UMass has had a marked effect on the number of students involved.

More than ever before, entrepreneurial education is in the spotlight on college campuses, both regionally and nationally. There are many reasons for this, but the overall goal is to hone in on the strengths of students in all majors and tap their entrepreneurial drive, in hopes of giving them some career options, while perhaps creating some jobs in the process.

Lauren Way, director of Entrepreneurial Programming at Bay Path College, has a succinct way of summing up the importance of teaching entrepreneurship at the collegiate level.

“The next Steve Jobs is probably going to be a computer science major, not a business major,” she says. “But he’s still going to need the characteristics and skills necessary to form the next Apple Computer.”

That’s why Bay Path and several other colleges and universities across the region and the nation on the whole are ramping up their entrepreneurship programming — in hopes of conveying to all types of students the hard and soft skills necessary to launch new ventures, introduce new products and services, and diversify the economy while filling needs in the marketplace.

It wouldn’t be bad to have the next Steve Jobs, or Bill Gates, for that matter, as a member of the alumni.

Indeed, there are a number of trends colliding nationwide to create greater interest in entrepreneurship as a course of study, not just a way of thinking. Today’s students of traditional age, the Millennials, for instance, are a technology-driven, globally minded set who see no limits to what they can achieve.

Bob Hyers, professor of Engineering and director of the UMass Entrepreneurial Initiative at UMass Amherst, said this group is actually a major driver behind the evolution of entrepreneurial study on college campuses, shaping the discipline with every new idea.

“Being involved in this with the students on campus has changed how I work,” he said. “I do a lot of research, and I write my proposals differently now. I’ve gotten involved on an entrepreneurial level with two businesses, and I’m not that far ahead of the students in terms of what I’m doing and what I know. I think today’s students look at successful entrepreneurs and say, ‘there’s someone who’s not any smarter than me who’s really successful; I can do that.”

And Diane Sabato, director of the Entrepreneurial Institute at Springfield Technical Community College, said today’s students at all age points are changing the face of entrepreneurial study purely through their own drive and interests, introducing intriguing concepts and ideas that can literally change the world, in small ways and large.

“One thing that’s interesting to me is the amount of innovation and invention happening,” she said. “Students are adapting and creating product lines that lead to real entrepreneurial ventures, and that’s a great way to engage people from a lot of different disciplines. We’re drawing people from all areas, and it’s really having an impact on how we teach entrepreneurship.”

Everyone’s an Entrepreneur

Those ideas are coming from all corners, too. Way said the national model for entrepreneurship training is gradually becoming a comprehensive one that spreads across all majors and departments on campuses offering such course tracks.

“The model casts the net wide with programs that are open to everyone,” she said, noting that Bay Path offers an elevator-pitch contest, entrepreneurial summits, a lecture series, and other events that are open to all students. “So many fields play into entrepreneurship; the trend is to introduce it to non-business majors so they can take their skills to new levels and be innovative within their field.”

Hyers said there are two such all-encompassing programs on the UMass campus that support entrepreneurship: the Isenberg School of Management and the UMass Entrepreneurial Initiative, which grew out of a student organization called the Entre Club.

The club has been on campus for 10 years, but reorganized last year to serve as a complement to a for-credit course and a series of networking and business-planning activities.

“The big driver behind that was increasing the level of engagement with the students,” said Hyers. “To strengthen the value proposition of entrepreneurial activities on campus, we went from just a club to a class — offering credit helps the students justify their time. We also set some goals for the students to be more competitive in contests like the Technology Innovation Challenge, and to focus on the early stages of starting a business. It’s very applied, and the businesses are very diverse.”

Since the evolution of the Entre Club to a more formal entity at UMass, students have returned some impressive results. Two years ago, involved students produced seven active companies; this year, that number has risen to 47. These ventures are nothing to sneeze at, either. One, Condition Engineering, founded by doctoral student Alaina Hanton, introduced an engineering breakthrough that could help alert communities to catastrophes, while another, Brian Mullins Therapeutic Systems, is a vest that offers the equivalent of ‘mechanical hugs’ for children with autism, a technique that allows them to feel more secure and in control.

“Even though the businesses themselves are so different, the entrepreneurs are finding that they have more in common than not,” said Hyers. “Through the conversations they have, the people with the music magazine are seeing the similarities their company has to the Web startup. All of the students see their businesses as an opportunity to make a difference, and they’re focused on making the world better.”

Positive Signs

It can be a formidable task for colleges and universities to create this synthesis across a diverse set of academic departments. “We might need to create not just one umbrella of programs for all students, but multiple umbrellas,” said Way. “It’s about cultivating an entrepreneurial attitude, one that includes honesty, innovation, and an ability to ‘bend’ a company to accommodate the changing needs of the population.”

But she added that the demand to offer this kind of instruction exists, and is growing due to a number of variables in addition to the entrepreneurial-mindedness of today’s younger set.

Recent studies of entry-level salary ranges for students who studied entrepreneurship in college, for instance, don’t hurt the discipline’s reputation much.

“Looking at programs nationwide, the trend is a high average starting salary for entrepreneurship graduates, so that’s a big draw,” she said. “And one of the main reasons it’s becoming such a trend now is that our economy, as we know, is not looking good. The days of staying with one company for security are gone.”

However, other studies suggest that entrepreneurship — whether it’s inventing, starting a business, offering a service, or merely applying entrepreneurial skills within a larger company — is gaining acceptance for other reasons; among them, a failure to discriminate.

“There’s a lifespan of ages being represented,” Way began. “There are a lot of different things coming together, and people are coming at it from different sides. Some want new careers, some are looking for new ventures for economic reasons, others want to fill a need and serve humanity.”

In addition, entrepreneurs of all ethnicities and backgrounds are making their mark on the U.S. business landscape. According to a study performed at Babson College, Black Americans are 50% more likely than others to start a business. The Small Business Advancement National Center (SBANC) reports that Latinos are the fastest-growing entrepreneurial segment, and according to the Center for Women’s Research (CFWR), 40% of all privately held companies are owned or headed by women, and woman-owned businesses are more likely than all others to stay in business for five years or more.

There’s also no general ‘type’ of person who is more likely to succeed as an entrepreneur, said Way.

“There are some born entrepreneurs, and others need to be encouraged,” she said. “There are some students who are naturally inclined to ‘just do it,’ and others who want to approach it in a scholarly way.”

Courses of Action

There are several things happening on college campuses in the region to cater to this broad group of students, and to promote entrepreneurship in other areas, including high schools.

Sabato said there’s a movement afoot both nationally and on the STCC campus to create a culture of entrepreneurship that extends to all age groups — beginning with children. The Entrepreneurial Institute actually begins reaching out to futurepreneurs as kindergartners, and starts guiding students through the business-owning process as early as grade school.

“Developing a lifelong educational model for entrepreneurship is a trend we’re seeing nationally,” she said. “When the program started, we saw the need to raise awareness that entrepreneurship is a legitimate program of study, regardless of the vocational specialty someone is pursuing.”

Sabato explained that elementary-school students receive entrepreneurial training, such as financial and workplace literacy lessons, through a variety of means, depending on their grade level. Older students take trips to New York City’s wholesale district to learn about purchasing, for example, after they’ve already toured the STCC institute, its business incubator, and its Entrepreneurial Hall of Fame. For the younger students, there’s something called ‘Play-Doh Economics.’

“High school students start their own actual businesses and run them,” said Sabato, noting that, during the experience, the students are treated much like any business owner, drafting their own business plans and receiving invitations to networking events, for instance. “Essentially, we’re providing entrepreneurial education and experiential learning opportunities early on.”

Sabato added that STCC’s entrepreneurial programming for high-school students began more than a decade ago as the YES (Young Entrepreneurs Society) program, starting with four area high schools and expanding to work with more than 25 today. She agreed that entrepreneurship is receiving more attention of late than ever before, and having a program in place from which to build is prompting the entrepreneurial institute to keep a close eye on emerging trends, in order to capitalize on that strong base.

“I think that we’re fortunate to have a seasoned program. We’ve watched it evolve to include more students every year, and we’ve seen awareness increase at all ages,” said Sabato. “The openness to study entrepreneurship has increased as well. There’s always been a strong student demand, but we’re seeing students at all grade levels and in all kinds of circumstances. Some people have been laid off; others just know what they want to be when they grow up.”

The Power to Fail

Once they reach college, however, there are a few constants that students can expect in their academic preparation, though the entrepreneurial field is one that is ever-evolving.

The first is a strong emphasis on practical application. Way said Bay Path offers case studies of local companies, with the participation of its principals, for students studying entrepreneurship — whether as a major of study or as a complement to a different major.

“Generally, we have business owners, managers, and CEOs come to our students with a problem, so the students can help address their issues,” she explained. “They problem-solve and give a presentation, and in some cases, there’s hard advice to be given.”

That’s a prime example, Way noted, of having students ‘learn by doing’ on a very real level. There’s the chance, she said, that a business owner might not like the suggestions the students suggest, and ask them to tweak the model or dismiss it altogether.

It’s a Good Thing

But in one way, there’s some success in that.

“We encourage them to move forward with these projects, as well as their own micro-businesses, without knowing everything first, so they see what they don’t know,” said Way. “Things like product development, manufacturing, inventory, accounting — you can’t learn those things in a class in a month. Failure is a big trend in entrepreneurship, and to some it’s even a badge of honor in the field.”

Way went so far as to muse that, in the future, she may pursue setting her students up to fail to drive this reality home.

“Learning how to fail is one part of learning how to succeed,” she said. “I would like to find a way to do this now, in the controlled, college environment, to give them a chance to process their own reactions and learn how to bounce back.”

On that note, Way cited another well-known entrepreneur as a perfect example of one who’s mastered this skill.

“We all know Martha Stewart had failed once or twice, but no one knows how to make a comeback like her,” she said. “And Martha Stewart didn’t even go to business school.”

Jaclyn Stevenson can be reached at[email protected]

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Hebert W. Bacon v. Everett G. Bacon Jr. & H & E Associates
Allegation: Breach of contract: $31,194
Filed: 4/24/08

FRANKLIN SUPERIOR COURT

Mackin Construction Company Inc. v. Berkshire Material Corporation
Allegation: Non-payment of goods sold and delivered: $48,023.60
Filed: 4/28/08

GREENFIELD DISTRICT COURT

Dorchester Industries Inc. v. RPM Technologies Inc.
Allegation: Non-payment of goods sold and delivered: $11,558.62
Filed: 4/15/08

Solid Waste Solutions Inc. v. Town of Franklin
Allegation: Amount due under contract for removal of yard waste: $25,000
Filed: 4/11/08

HAMPDEN SUPERIOR COURT

Dauphinais & Son Inc. v. GFI Longbrook, LLC
Allegation: Non-payment of goods sold and delivered: $45,411.96
Filed: 4/22/08

International Bulb Company Inc. v. Grandview Farms Inc.
Allegation: Non-payment of goods sold and delivered: $66,491.40
Filed: 4/22/08

J.D. Contracting Inc. v. Whiteway Construction Corporation, Town of Cummington, and Hanover Insurance Group Inc.
Allegation: Non-payment of sub-contracting services provided for construction project: $73,000+
Filed: 4/08/08

JPS Elastomerics Corporation v. Liberty Roofing Center, LLC
Allegation: Non-payment of goods sold and delivered: $73,399.27
Filed: 4/11/08

Leaf Funding Inc. v. Medequip Inc.
Allegation: Damages resulting from breach of equipment lease contract: $44,285.45
Filed: 3/31/08

NORTHAMPTON DISTRICT COURT

United Natural Foods Inc. v. Blue Moon Grocery Inc.
Allegation: Non-payment of goods sold and delivered and breach of contract: $106,156.94
Filed: 4/22/08

HAMPSHIRE SUPERIOR COURT

Hampden Housing Associate, LP v. Whiting Oil Corp.
Allegation: Claims for release of environmental contamination: $100,000
Filed: 4/25/08

Newstress Inc. v. Barr & Barr Inc. and Mount Holyoke College
Allegation: Balance due for services and materials provided and breach of contract: $217,820.79
Filed: 4/17/08

Loring Michael Caney Jr. v. the Commonwealth of Massachusetts and University of Massachusetts
Allegation: Personnel action involving wrongful termination: $52,000
Filed: 4/24/08

SPRINGFIELD DISTRICT COURT

Mercy Medical Center v. Five Star Transportation Inc.
Allegation: Unfair and deceptive business practices and non-payment of debt: $7,490
Filed: 2/04/08

MVA Center for Rehabilitation v. Encompass Insurance Co.
Allegation: Non-payment of medical bills: $8,299.45
Filed: 2/05/08

TD Banknorth v. Berkshire Frameworks
Allegation: Non-payment of promissory note: $8,644.86

WESTFIELD DISTRICT COURT

Royal Plaza Textiles Inc. v. Canadian Cozies
Allegation: Non-payment of goods sold and delivered: $8,537.98
Filed: 4/16/08

Sections Supplements
Workforce Conference Will Address Recruitment and Retention Issues

Considering how many other challenges exist in maintaining a productive workforce, one thing companies don’t need is a bunch of employees staring blankly across a generation gap, confused by what they see.

“There are two issues for employers,” said Greg Michael, executive director of Human Resources and the Career Center at Western New England College in Springfield. “One is the need to keep older workers, who would otherwise be retiring, engaged in the workforce. The other is managing the Millennials — the young people coming into the workforce who, in many respects, have a different perspective on the world of work than their predecessors.”

And these two matters are by no means separate issues, Michael stressed. That’s because Baby Boomers (and Gen-Xers, too) find themselves managing Millennials as the latter begin their careers, and those differing perspectives and expectations can easily breed workplace conflict if not handled correctly.

For example, “many younger workers think nothing of having multiple jobs in one year; that’s not necessarily seen as a negative thing, but rather doing what they see fit to accomplish their personal and professional goals,” he said. “It’s a rather different concept than latching onto one employer and working through the ranks in order to achieve one’s goals.”

Understanding those differences is one focus of a June 18 conference at WNEC, “Massachusetts In Demand: Accessing a Skilled Workforce in Western Mass.” Organized by the Building a Better Workforce Coalition (BBWC), it follows on the heels of a conference in November that focused on the importance of education in cultivating a talented workforce and, hence, a strong economy in Western Mass.

At next month’s event, keynote speaker Suzanne Bump, the state’s secretary of Labor and Workforce Development, will join Paul Harrington, an economist with Northeastern University, and several workforce-development specialists and regional business owners in discussing how companies can draw upon existing skills in the region to advance their businesses. In addition, Dr. Alan Robinson, author of Ideas Are Free and an expert in workplace productivity issues, will deliver a luncheon address.

“We haven’t gotten a hit lately with a huge company moving to town,” said Sally Fuller, project director of the Cherish Every Child initiative at the Irene E. and George A. David Foundation, a conference sponsor. “So what we really need to think about is what to do for our existing workforce, how to give them better skills.”

Starting Young

The BBWC was formed partly to emphasize the connections between education and workforce development, and last November’s conference featured Dr. James Heckman, a Nobel laureate in Economics from the University of Chicago, who presented an economic case for investing in young children.

This was the type of message that appeals to Fuller, whose program emphasizes the value of early-childhood education.

“People don’t think of early childhood as impacting workforce development,” Fuller said, “but, from research on what happens in a child’s brain, we know it absolutely does. Children learn a whole array of soft skills that carry them on into the future, and early childhood is not too early to begin to cultivate that.”

In fact, in an op-ed piece in the Wall Street Journal, Heckman argued that investing in disadvantaged young children has a high economic return for any region — specifically, that it raises the quality of the workforce, in addition to reducing crime, teenage pregnancy, and welfare dependency. “Focusing solely on earnings gains,” he said, “returns to dollars invested are as high as 15% to 17%.”

People don’t typically think about such a connection,” Fuller said. “They think of workforce development as teaching the existing workforce and helping them improve their skills and do better at their jobs — which, obviously, also needs to happen.

“But we’re saying that early childhood is a great place to start because these people are going to compete in a very different work than the one that exists now, and they’ll need these soft skills to compete in the global economy. So, yes, we need to do the other things with the current workforce, but we also have to start now with this generation of young people.”

Fuller said Cherish Every Child supports the coalition’s work because it wants to remind area business people that the early-childhood workforce is a significant factor in the region’s economic future. “They do a really important job, so we’re helping to professionalize that workforce, and have it be part of the discussion.”

While that big-picture thinking may be important, the expected knowledge drain caused by mass retirements of Baby Boomers is arguably a more urgent priority, said Nancy Snyder, president of the Commonwealth Corp., another conference sponsor.

While members of this older generation typically earn more money than Gen-Xers or Millennials, they also come to work with invaluable years of wisdom and hard-earned experience that companies might have trouble replacing. “How do we retain those older workers? We don’t want to lose their knowledge,” Snyder said.

The Commonwealth Corp. has prepared studies of 16 regions of the Bay State, including Hampden County, examining the dynamics of each region’s employment picture over the past five years — which industries have added jobs, which have shed jobs, and factors contributing to those trends.

“The goal is to really look at how we can stimulate more graduates in big-demand occupations,” Snyder said. “What are the demand trends? What are the supply trends? What do we need to do to better align them?

“The data isn’t completed yet, but there are some fairly persistent needs,” she continued. “Health care and manufacturing are two areas in which it has been difficult to find people.”

Snyder emphasized, however, that there is no one solution to the region’s disconnect between workforce supply and demand.

For example, “in nursing, it’s probably a capacity issue: do we have enough seats in nursing schools, enough faculty, enough clinical placements,” she said. “But in a field like precision manufacturing, the question might be, how do we get better information to young people about what today’s manufacturing environment is like, in order to generate more interest in precision machining.”

Stay Awhile

The more transitory — Boomers might say fickle — nature of the incoming Millennial workforce just adds another layer to the already-difficult challenge companies face in maintaining a skilled group of employees. In short, it makes retention as significant an issue for employers as recruitment.

“You have one generation with a mindset focused on longevity and the value of loyalty managing younger people who don’t hold the same values,” Michael said, adding that he sees the issue from both sides; his department oversees WNEC’s employees, most of whom are Boomers or Gen-Xers, while the college is sending out an annual stream of Millennials into the workplace.

“How do companies fill the vacuum left by older workers while effectively recruiting and retaining younger workforce? We’re seeing both points of view here,” he told BusinessWest. “And we really saw that there was some value in this conference for the area’s employers.”

Snyder agreed that factors like retaining the knowledge base of older employers while convincing talented graduates of the area’s many colleges to stay in Western Mass. are issues that must be addressed simultaneously by employers, schools, and economic-development agencies.

“To address some of the supply-and-demand misalignment, we need strategies, and we need to work together with our partners,” she said.

The Building a Better Workforce Coalition was created with those very needs in mind, and the WNEC conference is just the next step in what promises to be a long-running discussion.

Sections Supplements
New Ownership Is Gaining Tenants, and Momentum, at One Financial Plaza
Keith Parent

Keith Parent, on one of his balconies, with Springfield’s Court Square in the background.

Several floors remain vacant, or ‘dark,’ as they say in this business, but there are more lights now on at One Financial Plaza than there have been in years. New ownership has made several improvements, steps that, when coupled with some aggressive marketing and high occupancy rates in other Class A towers in downtown Springfield, have yielded several new tenants.

Keith Parent says he first looked at the space on the fifth floor of 1350 Main St. in 2001, or the last time his lease was due to expire and he knew he needed more square footage with which to grow his company.

He liked the accommodations at what is now also known as One Financial Plaza and the Sovereign Bank Building, especially two balconies that came as part of the deal, and also liked the address — it meshed nicely with the name of his company (Court Square Group), which he started several years earlier in a small space above Frigo’s deli on Main Street, in the section of downtown called Court Square, and thus named it accordingly.

But the asking price at the 17-story tower was a little steep, and besides, those managing what was then known as the SIS Center, now the TD Banknorth Center, put together a fairly attractive package, a deal he really couldn’t refuse. So he went there instead.

Fast-forward roughly seven years, and Parent, who has aggressive plans to grow his information-technology-solutions company and didn’t think he could do that in the Banknorth Building, was again looking at area office buildings. And somewhat to his surprise, the space he looked at in 1350 Main St. all those years ago was still vacant and very much available.

The fact that it was spoke volumes regarding the well-documented struggles that building has experienced in recent years, but Parent was focused on the future — of his company and also the building — and not the past. So he’s now the proud occupant of roughly 12,000 square feet, or most of that fifth floor.

He has his balconies (actually, three of them), a Court Square presence (again), plenty of room to grow, and something else — some satisfaction that comes from not only staying in downtown Springfield, but also helping to breathe some life into a building nearly 50% vacant, or dark, as they say in this business, since a major tenant moved out several years ago.

“I’m committed to Springfield — we started here, we like it here, and I think this is a city on the move,” said Parent, who told BusinessWest that he looked at options in area suburbs and also at other locations in Springfield — including space in the Technology Park at Springfield Technical Community College that eventually was taken by Liberty Mutual — but wanted to stay downtown. And Dan Eastman, an area contractor who recently acquired the bottom five floors, eventually gave him enough reasons to make that happen.

Bill Low, co-owner of floors 6-17 at One Financial Plaza and vice president of Samuel D. Plotkin & Associates, which manages the building and handles leasing efforts, said Parent isn’t the only one discovering, or rediscovering, the property, as the case may be.

In addition to the CSG signing, roughly 20,000 square feet has been leased out across floors 6-17 over roughly the past year, said Low, adding that this is just about what his ownership team set as a goal for that time frame. Other new tenants include Radiology & Imaging, which took 5,000 square feet on the 10th floor; the FDIC (Federal Deposit Insurance Corp.), which absorbed almost 6,000 square feet on the 11th floor; Moors & Cabot, an investment brokerage firm, which took 1,100 square feet on the 15th floor; and Entercom Communications Corp., which will locate a radio station in 3,310 square feet on the 12th floor.

“We’re on target … things are going pretty much according to plan,” said Low, who was joined in the purchase of floors 6-17 by Evan Plotkin, president of Samuel D. Plotkin; Ronald Eckman, owner of several area businesses and real estate properties; Michael Vinick, who has partnered with Eckman on many of those ventures; and William Lyons, co-founder of Blackstone Medical Inc. “There’s still a lot of vacant space, maybe 130,000 square feet, but we’re chipping away at it.”

The good news is that this constitutes perhaps 90% of the available Class A space available in downtown Springfield, he said, adding that the keys to filling this space include getting people to give it a look — new owners have made some significant improvements, said Low — and convincing would-be tenants that there isn’t really a problem with parking, just a perception of same.

In this issue, BusinessWest looks at CSG’s move and other developments at 1350 Main St. that are creating a strong sense of momentum.

Coming into View

Parent has spent virtually all of his 13 years in business in downtown Springfield.

After operating above Frigo’s for several years, he relocated to the fourth floor of Harrison Place and, more specifically, square footage once occupied by the former Third National Bank. This space included the bank’s conference room — and conference table, which was (and is) so large that the bank left it behind when it moved out, and Court Square Group did the same several years later.

“It was too big to move,” said Parent. “The good thing about that table was that it was so big we could get everyone in the company, more than 20 people, around it for meetings.”

Eventually, though, this was no longer the case, as CSG continued to grow and eventually commanded more space. This prompted Parent to look at several options and eventually choose the Banknorth space. Seven years later, it was, as Yogi Berra put it, déjà vu all over again. That’s because Parent was looking for room to grow, and he was back looking at space in 1350 Main Street once occupied years ago by BankBoston as one of his many options.

“We want to make this a $100 million company in five years,” he explained.

Those ambitious growth plans, coupled with aggressive efforts to turn the lights back on within those ‘dark’ floors at 1350 Main St., eventually brought Parent to that street address.

“Dan Eastman said, in essence, ‘what do we have to do to get you in here?’” said Parent, adding that new ownership pushed whatever buttons it needed to in an effort to ink a deal.

As he gave BusinessWest a quick tour of his new digs, which were still littered with moving boxes, Parent referenced some of the things that attracted him to it. The balconies were a factor, but also the many ‘corner offices’ that result from the building’s unique design and sharp angles. “There’s a lot of glass and a lot of light,” he said.

But it was more than these amenities that ultimately shaped his decision.

Indeed, there was a desire to back up his involvement with several area economic-development groups, especially the Regional Technology Corp., which he chairs, with deeds, and not just words about Springfield and the importance of its fiscal health to the rest of the region.

“I’ve thought about other places,” he said, adding that he has considered moving his headquarters to Marlboro, where he has another office. “I live in Palmer, so for me, I could be anywhere between here and Boston, but I wanted to stay in downtown Springfield.”

Dr. Laurie Gianturco, president of Radiology & Imaging, told BusinessWest that her venture had several requirements, or priorities, when a search was launched for larger quarters late last year. For starters, the company wanted enough space to bring 20 administrators who had been scattered in three locations together in one space — and accommodate expected future growth. It also desired a site convenient to those three locations — near Baystate Medical Center, Liberty Street in Springfield, and Elm Street in Enfield.

“One Financial Plaza had the right geography, and the right price,” she said, adding that initial concerns about parking and security were ameliorated.

It was a different, rather unusual set of requirements that brought the FDIC to 1350 Main St. Specifically, there was a seismic-compliancy issue that had to be met.

Elaborating, but only slightly, KiJuan William-Dickerson, a spokesperson for the agency, said federal offices must now be located in buildings built to certain specifications regarding earthquakes and the ability to understand them. She couldn’t say exactly what the requirement was, but did know that the agency’s former local address, 489 Whitney Ave. in Holyoke, did not meet specifications (thus necessitating a move), and One Financial Plaza did.

It is also within five miles of the Holyoke location (another federal requirement so that employees do not have to relocate to continue working for the agency), and it offered what William-Dickerson called “the most value” of any of the few sites that did meet the seismic requirement.

Thus, the FDIC took 5,962 square feet, and moved 32 employees into downtown Springfield last December. Some of them have no doubt become regulars at Palacio (Italian for Palace), the coffee and sandwich shop that new ownership lured to 1350 Main St. last year. There have been several other additions and improvements, said Low, noting that the fountain facing Court Square has been restored, and there have been renovations to common areas, as well as other updating and cleaning.

Moving forward, the leasing strategy will be to continue to fill vacancies on occupied floors and leave several of the vacant floors intact for possible full-floor or multiple-floor tenants, said Low, adding that if, over time, demand for larger spaces doesn’t materialize, then ownership will commit more of those floors to smaller tenants.

“If a big tenant comes along, that’s fine,” he said, “but we want to lease about 20,000 square feet a year, and we’ll do it any way we have to.”

Let There Be Lights

Parent told BusinessWest that the name ‘Court Square’ would have stayed on his company no matter where he wound up in his latest move. “I would just have to do a lot more explaining,” he said, referring to what life would have been like had he moved to one of the suburbs, another section of Springfield, or Marlboro. “But now, this fits nicely.”

It does, and his move to the fifth floor, ultimately delayed seven years, represents a positive step for CSG, One Financial Plaza, and downtown Springfield. All this will be celebrated out on those balconies, when Court Square Group stages an open house on June 4.

It will be a moving story — in more ways than one.

George O’Brien can be reached at[email protected]

Sections Supplements
Berkshire Bank Positions Itself for Continued Growth
Tom Creed, left, and Michael Oleksak

Tom Creed, left, and Michael Oleksak are focused on building the Berkshire Bank brand.

Long-time area banking executive Tom Creed has joined Berkshire Bank as its new senior vice president and regional executive. He will join his predecessor in that role, Michael Oleksak, now executive vice president of Commercial Lending for the bank, in the broad assignment of expanding the bank’s footprint and building its brand. The latter can be a complicated process, said Oleksak, noting that it doesn’t have to be, because it all boils down to focusing on what he calls the “fundamentals.”

Tom Creed says he’s seen the many nuances of corporate finance from both sides of the loan officer’s desk.

By that, he was referring to a resume that includes more than 16 years of work in banking, most all of it in commercial lending — and another six working for one of his former clients, OmniGlow, which he served as vice president of corporate development.

“My time out of banking gives me an additional competitive edge, because I’ve been on the other side of the table,” he explained. “I hope that when I walk into a company and listen to how they’re operating, I can better understand what some of their issues are because I’ve been there doing it. And I can bring that experience to my team.”

That would be the team at Berkshire Bank, which Creed recently joined as regional executive, serving Western Mass., and senior vice president. He told BusinessWest that the diversity of his job background will help him as he goes about growing the commercial portfilio, and all other aspects of the Pittsfield-based institution.

Michael Oleksak, Creed’s immediate predecessor in that position, and now executive vice president of commercial lending for the bank, agrees. He said Berkshire took a long time, perhaps six months, to fill the regional executive’s position in an effort to find just the right person. Creed fits that description, said his new boss, because of his background — and how it jibes with the immediate goals and challenges for the institution.

Elaborating, Oleksak said the overall mission is to continue building the brand at Berkshire Bank — which acquired Woronoco Savings Bank in 2005, and uses that institution’s Westfield facilities as its regional headquarters — and often in areas that are far removed from that far-western Massachusetts county.

Neither Oleksak nor Creed believe the name is a problem of any sorts, although they acknowledge that it might have been a hurdle as the bank started doing business in Hampden and Hampshire counties three years ago. In this day, age, and competitive atmosphere, customers care less about what a bank is named — or should — and much more about how it takes care of them, they told BusinessWest.

“What Berkshire lives by is trying to do things the right way,” said Oleksak, adding that this term needs to be defined as it applies to banking institutions, and he did just that. “It starts internally, and it has to do with respect, integrity, and guts, which is a different kind of phrase for a banker to use.

“And that’s about making the tough decisions,” he continued. “Sometimes, the right answer isn’t ‘yes’ — at times, you do have to say ‘no.’ That’s what ‘guts’ represents.”

Summing things up, Oleksak borrowed terminology from the sports world, specifically the gridiron.

“You can do a lot of exotic things to try and build a brand, but I think it comes down to the basics, the fundamentals,” he explained. “This means blocking, tackling, and essentially treating people the way they want to be treated.”

Berkshire, which has a footprint that extends into New York and Vermont, now has 11 branches in Western Mass., and Oleksak said the bank will look to increase that number in the years ahead. Like other institutions, Berkshire recognizes the value of having a physical presence in as many of the communities it serves as possible, he noted, and will expand in ways, and directions, that ultimately make sense for the company as it goes about building the brand.

In this issue, BusinessWest talks with the regional leadership team at Berkshire Bank about the current state of the market, and their plans for achieving continued growth and greater market share.

Generating Interest

Summing up what’s on his resume, Creed said that at every stop, starting with the first one at Shawmut Bank in downtown Springfield in 1985, it’s been all about building relationships.

He prefers that word to loans, or loan volume, because he says commercial bankers, and teams of same, do much more than lend money.

“It’s about relationships, not just writing loans,” he said, returning to his point about experience, and how it is more important than the name on the letterhead when it comes to serving clients and ultimately building a portfolio.

At Shawmut, Creed started as a trainee, and was eventually promoted to commercial loan officer, and later, assistant vice president and team leader. In that role, he managed a middle-market loan portfolio and supervised three relationship managers and support staff.

From Shawmut, Creed went to Bank of Boston, where he served as vice president, with his primary responsibility being to develop new corporate relationships into a $100 million Western Mass. loan portfolio, with a focus on companies with more-complex international and cash-management requirements. He then took a similar role at Citizens Bank, where, as a vice president, he was responsible for the development and management of a middle-market commercial-lending portfolio.

In 1999, Creed shifted gears and went to work for West Springfield-based Omni-glow, a $70 million manufacturer and distributor of chemiluminescent products, such as glow sticks. He had a variety of roles, including everything from negotiations for potential acquisitions of competitors to planning and completion of a contract-manufacturing strategy in China.

Creed said these various experiences were invaluable to him as he returned in 2006 to banking, and Sovereign, after helping to negotiate the sale of Omniglow, a transition that ultimately left him without a job.

Creed was a senior vice president and regional executive with Sovereign, at a time when the bank was shifting away from regional management, when he and Oleksak, another veteran of Shawmut’s commercial-lending division, began talking the opportunity at Berkshire.

“The timing was perfect in that I was concerned about my future with Sovereign, Creed explained, “and the position at Berkshire was exactly what I was looking for, and I was apparently what they were looking for.”

Summing up his job description, Creed said work to expand the commercial lending portfolio is obviously a big part of it, but there are many other aspects to the job, including being visible within the community and keeping his finger on its pulse.

“It’s my job to be as visible in and aware of the community as much as possible,” said Creed, who is active with several groups, including the Affiliated Chambers of Commerce of Greater Springfield, the Economic Development Council of Western Mass., and the Regional Employment Board. “I need to understand what’s happening here — good and bad, and how Berkshire can address some of those occurrences for the good of the community and the good of our shareholders.”

Creed said he eventually accepted the position to take on a new career challenge, but also as an opportunity to put a quarter-century’s worth of lessons learned in banking and in business to work in helping Berkshire Bank expand its footprint and build its brand.

Banking on It

This assignment includes a wide variety of initiatives, from marketing to aggressive efforts to build that commercial portfolio; from community involvement to expanding the bank’s already-sizable insurance business; from customer service to providing an environment in which all team members can thrive.

And they all have to be carried out simultaneously, said Creed, who, as he talked about his new role and how he approaches it, referenced what he called the 3 ‘P’s — “people, products, and persistence.”

Elaborating, he said the first refers to a strong focus on employees and giving them the training and other tools needed to succeed and grow professionally. The second is another must in this or any other market, he continued. “We can put up another 20 branches, but if our products aren’t state-of-the-art and competitive, we’re not going to go anywhere.”

As for persistence, he said he refers to matters across the board. “It means persistence with new-product development, persistence in customer service, in community involvement, and persistence in response to customers’ needs … it’s all those things.”

Focus on these three areas will help the bank stand out at a time when the Western Mass. area is among the most competitive banking regions in the Northeast, if not the country, said Creed and Oleksak.

“This market is extraordinarily competitive, and part of the reason why is all the new capital that has come into the region with so many banks going public,” said Oleksak, referencing a lost of institutions, including Berkshire, Hampden, Chicopee Savings, and others. “The way you stand out is to have the right people in place, be super-attentive to what customers’ needs are, and be able to offer the ‘product of the day,’ be it from the Internet or a special CD.

“You can come up with all the gimmicks in the world to get people into your bank,” he continued, “but once they get there, you have to provide service, service, service — that’s what is going to distinguish you.”

The commercial-lending market has become extremely competitive in recent years, he continued, but despite this fact, Berkshire has doubled its commercial portfolio locally, from $115 million to $240 million over the past two years. He attributes this to the experience of the lending team, and its relationship-building capabilities.

“We do have a lot of experience, people who have been in this market for years,” he explained. “And that experience is what counts — it’s invaluable.”

As for physical expansion, Oleksak said Berkshire has a decent presence in the region, with branches located in Westfield (three of them), Southwick, South Hadley, Ludlow, Longmeadow, East Longmeadow, and Chicopee.

Missing from that list is Springfield, and he acknowledged that the bank is looking hard at establishing a presence in the City of Homes, and elsewhere.

But while adding branches is obviously a big part of the growth strategy, so do are those fundamentals that Oleksak referenced.

“There’s no one thing that’s going to make the difference,” he continued. “It the sum of a great many things that is going to make the difference for us.”

The Bottom Line

Brand-building has become a rather sophisticated science in recent years — in banking and in most other fields, said Oleksak, noting a variety of emerging strategies involving marketing, imagery, company names and slogans, and more.

At the end of the day, however, he continued, those ‘fundamentals’ are the most important ingredient.

“It’s not rocket science,” he said. “It’s about providing service with a smile and taking care of people’s needs. We’ve seen that here, and it works.”

This is what he means by blocking and tackling, and, in general, executing the proper game plan.

George O’Brien can be reached at[email protected]

40 Under 40 Class of 2008


Age 36: Chief Forester/Sawmill Manager, Cowls Land & Lumber Co.

Shane Bajnoci says there’s some science associated with sustainable forestry, but it’s also a bit of an art.

“It’s a forever-changing job, and I’m always trying to explain it to people so they understand what we’re doing,” he said, noting that it all boils down to managing a resource — the region’s large, but not limitless, supply of forest land — so that the needs of current and future generations can be met.

Bajnoci started his career at Cowls Land and Lumber Co. 12 years ago after earning a bachelor’s degree in Forest Conservation at UMass Amherst, and since then, his responsibilities have only grown. He leads a crew of 14 that harvests and manufactures some 2 million board feet of logs and lumber per year, while also managing thousands of acres of land and their boundaries in nearly 30 towns across the region.

His post also requires completing countless pages of state and federal paperwork, drafting management plans for the year, contracting with local loggers and truckers, and cultivating a small Christmas tree farm. Bajnoci also sits on several industry-related boards, including the Mass. Wood Producers Assoc., the Mass. Assoc. of Professional Foresters, and the Pelham Forest Conservation Committee.

But despite this workload, Bajnoci added another bullet to his resume this past year, leading Cowls’ participation in the Inaugural American Woodcock Initiative.

The business joined forces with the Mass. Division of Fish and Wildlife, the Ruffed Grouse Society, and the Wildlife Management Institute to launch the program, which focuses on habitat-management efforts that can curb the decline of various wildlife populations in addition to the woodcock, such as the New England cottontail, wood turtle, and gold-winged warbler. Bajnoci has incorporated initiatives that benefit these species into his annual plans, and, in 2007, garnered a Forest Stewardship Award for his company from the International Assoc. of Fish and Wildlife Agencies.

“I hope others can use us as a model for habitat management,” said Bajnoci, “and I want to create more habitats that would support certain species, especially birds. It’s a lot of work, but it’s also my passion to do long-term land management, so I’m glad I have a place to do it.”

And while much of his job revolves around cutting down trees, he’s also planting important seeds, and watching them grow. Jaclyn Stevenson

40 Under 40 Class of 2008


Age 29: Program Manager, WMAS

Rob Anthony says they’re the best three days of the year.

He was referring to the Children’s Miracle Network radiothon that he and others at WMAS radio — which he now serves as program manager, ‘afternoon host,’ and operations manager — have been part of for the past seven years. This is an intense, emotional, rewarding three days that raise money for Baystate Children’s Hospital (more than $200,000 during the 2008 edition) and each year creates memories that last a lifetime.

Like 11-year-old Devon Roy’s speech on Rosa Parks. It was perhaps the most unforgettable moment of this year’s radiothon, staged just a few weeks ago. Roy was supposed to deliver that address at her Greenfield school’s history fair, but she had to be in the children’s hospital instead because of her respiratory illness. So Anthony got the idea to have her read the speech over the air, with the entire school listening in the auditorium.

“There wasn’t a dry eye on the play deck,” said Anthony, referring to the area that serves as a broadcast studio for the radiothon, and including himself in that company. That’s one of the occupational hazards of the radiothon, he said, adding that he and others from the station often get emotional as they’re broadcasting, and have no regrets about doing so. “It just shows you’re human.”

Anthony says the radiothon is just one reason why he says of his job, “calling it work is a bit of a stretch.” In short, he loves music, and thoroughly enjoys being on the air. In fact, he left another station in the area for his first job at WMAS, at a considerable reduction in salary, because it afforded him the chance to get behind the microphone.

He’s still there, working the 3 to 7 p.m. shift, while also helping to set a strategic plan for the station, and charting an aggressive philanthropic course that includes work to assist groups ranging from the children’s hospital to the Children’s Study Home.

An avid sports fan and NASCAR follower (he’s a Dale Earnhardt Jr. devotee), Anthony must balance these interests and his work in radio with family, and especially his 8-month-old daughter, Kaitlynn.

The ’08 radiothon was the first since her birth, he noted, and this juxtaposition made those three days even more poignant — and special. George O’Brien

Cover Story
Brimfield’s Antique Shows: A Regional Treasure

Nearing its 50-year anniversary, the Brimfield Antique Shows are a tourism magnet for shoppers from around the globe. As the events continue to evolve, celebrity endorsements, technological advances, and increasing interest in the unique experience of hunting for treasures are creating a solid base for growth in this tiny New England town.

It’s one of Martha Stewart’s favorite ‘good things.’
It’s a constant haunt for staffers from Ralph Lauren, who come armed with cameras to snap photos of vintage fabrics that could inspire new clothing lines.

And recently, Oprah Winfrey caught wind of the oldest outdoor antique show in the U.S. and its acres of one-of-a-kind items, featuring it in her magazine, O.

Not a shabby following for a flea market that began back in 1959 with one man operating out of the tailgate of his pickup truck.
What’s now known as the Brimfield Antique Shows started with a local auctioneer looking for a way to sell some of his goods without the use of a podium and gavel, who began holding informal sales on Saturday afternoons. Other entrepreneurs saw passersby stopping to have a peek, and gradually began setting up their own tables of wares, and from there, it mushroomed.

Today, the shows, held three weeks out of the year in May, July, and September, are among the most widely recognized markets of their kind around the world, and are almost synonymous with the town of Brimfield’s name to many antique aficionados. The shows are sometimes still referred to as the flea markets or just ‘the fleas,’ but residents closely involved with the show, such as Bill Simonic, owner of the Yankee Cricket B&B and Web master for the privately maintained site Brimfield.com, say that’s become a bit of a misnomer.

“People come for the antiques before anything else — that’s why they’re here,” he said. “Plenty of people have tried selling plenty of other things on the grounds, but there’s nothing like seeing and touching something that might not exist anywhere else. There’s nothing like the hunt.”

The shows operate under an intriguing business model, too, with no one coordinator or managing body, but rather a number of property owners (also known as show promoters), local business owners, and dealers working in concert with the town and its government to make each week-long event a success.

The Brimfield Show Promoters Assoc. (BSPA) is a major driving force, made up of promoters — primarily those who own the fields and buildings that accommodate dealers, and line Brimfield’s share of Route 20. The Quaboag Hills Chamber of Commerce works closely with promoters and the town to promote the shows, and professional associations such as the Heritage Corridor Bed & Breakfast Group, made up of B&B owners, keep tabs on this important source of bread and butter. All of these groups serve as watchdogs over publicity, show information, developing regulations on the legislative level, and even the weather.

Each promoter advertises individually through the usual channels (newspapers, trade journals, radio, and some new forays into television), and sometimes, more frequently now than ever, as a group. There’s no official Web site for the shows, but many exist, including Brimfield.com, maintained by Simonic; BrimfieldExchange.com, maintained by Tim May, who also owns May’s Antique Market and the Brimfield Pocket Guide; and a site created by the Quaboag Hills Chamber of Commerce.

All of the promoters’ fields that are flooded with dealers, buyers, and individual shoppers during the shows are individually owned plots of land — there are about 20 of them. In the off-months, these fields are downright desolate, but during show weeks, people line up on opening day like runners in the Boston marathon, maps in hand, ready to pick the tables over for the perfect find.

And, as various show promoters have realized over the years, one of the secrets of the Brimfield Shows’ success is that the proverbial ‘perfect something’ is different for everyone. Sometimes, it’s a Japanese tourist staying at the Yankee Cricket, shrugging off jetlag to be the first to find some specific vintage books. Other times, it’s a wealthy socialite looking for new furnishings for her vacation home. And sometimes, it’s Martha Stewart, looking at shabby chic teapots and tableware, and taking careful notes.

A New Day Dawning

While shoppers strain at the gates before a show opens at daybreak (“that’s part of the draw,” said May), most are unaware that a complicated, if not choreographed, dance is happening on the other side of the entrance.

May explained that the shows grew relatively unchecked until the late 1980s and early 1990s, when residents began realizing the lack of a pre-approved schedule for the shows, and the days dealers would begin arriving en masse were causing disruptions across town.

“It wasn’t until then that the town instituted new regulations on the shows,” said May, “and the result is largely what you see today, which works pretty well for everyone.”

The town government imposed limitations on the events — each of the three show weeks must now be identified more than a year in advance (they’re different every year, but begin on a Tuesday and extend until Sunday) — and approved by the Board of Selectmen. The 2008 show schedule kicks off on May 13.

Show promoters also work in concert with the town to secure police and fire personnel to staff the events, and even to keep an eye on the weather. While once, field owners and dealers came to the shows equipped with hand-held radios to listen to forecasts, now the town’s Doppler radar system helps tremendously in watching for storms and ensuring that no major issues — hurricanes, microbursts, and the like — sneak up on the tents that cover a third of the show grounds during the markets.

Don Moriarty, another show promoter who owns Heart-o-the-Mart, location self-explanatory, explained that dealers are assigned various opening times within that six-day period to lessen the stampede of new people into town all at once.

“All of the dealers open at different times because of logistics,” he said, “and as a result I think opening works very well.”

E-Brimfield

Over the years, promoters have watched the shows grow, change, and evolve with the times. There was a period when some feared that online access to the same kinds of items found in Brimfield, however vast, could adversely affect the events. But as the Internet matures, the opposite is proving true.

David Lamberto, owner of Hertan’s Antique Shows, said the tangible quality of the shows is likely one reason why.

“The education, the interesting wares, the nostalgia … all of these are things that connect people in a world that can be very disconnected,” he said. “The shows are a destination for antiques, but also for face-to-face interaction and an opportunity to see, feel, and touch things.”

Plus, said Lamberto, the sheer amount of items at the shows ensures that there’s something for everyone, and moreover that the events remain relevant in terms of design and decorating trends.

“People follow what the trade journals and Martha Stewart promote,” he said, noting with a laugh that, a few years ago, it seemed like everyone was toting a metal sap bucket or two back to their cars. This year, he expects to see large metal stars in people’s hands, ready to be hung on the outside of a house.

“Not only are we a source for these trends, we’re a source for ideas for designers, and we promote ourselves as that,” he said.

May added that technology is augmenting the shows’ role in the design sector rather than lessening it.

“It used to be that dealers had little black books and were constantly running back and forth from pay phones, with walkie-talkies in their hands trying to seal deals,” he said. “Now, technology is part of the evolution of the shows. Many dealers have Internet access. Buyers can take a photo of an item with their iPhone and send it to a colleague for an instant assessment. Instant gratification has become part of the game, and it’s not taking people away.”

Moriarty said that, as technology continues to become a greater part of everyday life, he has nothing but optimism for its role in Brimfield. Even the online auction giant eBay has become a complement to the events, not a drain.

“eBay and other online auctions are a big advantage for Brimfield, not a bane,” he said. “It has an impact on the volume of sales, and Brimfield isn’t always competing with online auctions. In fact, it’s an outstanding buying source.”

The Economics of Antiquing

There, Moriarty hits upon another hidden strength of the Brimfield Shows — the buyers. While many outsiders see the events as prime shopping time for homeowners and antique lovers, it’s also a hotbed for professionals such as antique dealers, shop owners, and online sellers, not to mention film and television crews that routinely visit Brimfield to find props and set design materials.

Camera phones, for instance, are not to be taken lightly on the grounds; often, they’re in the hands of ‘runners,’ people sent to the shows by major corporations including restaurants, magazines, film studios, and interior-design outfits to capture the flavor of a show and make purchases based on what are seen as hot sells.

“The 20 contiguous fields are a buyer’s mecca because of the social aspect and the opportunities to see people in the trade,” said Moriarty. “It’s almost like a convention.”

And, similar to conventions, the Brimfield Shows’ economic impact on the region is diverse and far-reaching, including the sought-after extended hotel stays and increased restaurant business. It’s estimated that the shows bring in between $30 and $50 million a year in revenue, and not just to Brimfield. Adjacent Sturbridge is home to more than 40 restaurants that are often filled to capacity during show weeks, and bed-and-breakfasts in the Quaboag area begin booking reservations a year in advance, if not sooner.

“The B&Bs and motels are filled in Brimfield, Sturbridge, and into South-bridge,” said Simonic, “and at this point, we usually start sending people toward Worcester and Springfield. Many hotels, even in those areas, have begun running special ‘Brimfield rates.’”

Essentially, Simonic said, an entire city — albeit a tent city — springs up in Brimfield three times a year, and the return to the region and even the state through room taxes is unmistakable.

“Brimfield has a population of 3,400,” he said, “but during the May show, which is typically the largest, there are a half-million people in attendance. There are between 3,000 and 5,000 dealers, 80% of whom are returning dealers who man the same booth at every show, and all of them need supplies — everything from gas to food to packing tape. The domino effect is very visible.”

Even the town’s churches have a stake in the shows. Moriarty noted that about a third of the budgets of Brimfield’s churches, including the First Congregational Church on North Main Street, is derived from parking fees during the antique shows, and many residents have had similar success.

“A lot of children from this town have gone to college thanks to parking cars,” he said.

The softened economy in the U.S. this year has slowed room bookings somewhat, said Simonic, but he expects that the numbers will reach similar heights as previous years, with a greater number of last-minute bookings.

“People are making their decisions in a shorter time period, so I think what we’re really losing is that long-term security we’ve had in the past,” he said, noting other trends, including solid interest in culture, history, and the antiques that are part of both among the European market.

“The shows get a great deal of international travelers,” he said. “Antiques are a major attraction and a huge market.”

The Future of the Fleas

Moving forward, promoters are hoping to continue to streamline the show-planning and organizing process, with the town’s needs always in mind as well as those of its many visitors. Next year marks the 50th year of the Brimfield Antique Shows, and Simonic said he and several others are now in the midst of planning events they hope will span the entire year, not just its three flagship weeks.

In addition, some of those varied groups working together in town are lobbying to extend public transportation from the Greater Springfield area to Brimfield to create a stronger connection between the westerly part of the region and the shows.

“We’d like more attention from the Springfield area,” said Simonic. “The tourism profile in the Quaboag Hills is still in its infancy, but we’re making progress. Better lines of communication and transportation between Springfield and here would definitely help, though we understand that it will take a little time.”

That sentiment is proof of an appreciation across Brimfield for things that take time to grow — sometimes, 50 years. It’s taken that long to build to a point where the atmosphere of the Brimfield Antique Shows is palpable in the air and sightings of Martha Stewart are commonplace.

“We could fill an encyclopedia with stories,” said Simonic. “They’ve become part of the area, and they add to the excitement that keeps people coming back. You can’t put a price tag on that.”

Sections Supplements

Imagine that right before you drove home from work, someone told you that all the old traffic laws had changed forever: red no longer meant ‘stop,’ and green no longer meant ‘go.’

In fact, all of the signs that used to guide you were no longer valid. The old laws were gone, but the new laws were yet to be written. How would you feel, and what would you think as you set out for home?

Often, change happens just like that. It’s sudden, it’s quick, and it disrupts our equilibrium. Whether it’s the unforeseen sale of a company, the sudden loss of a job, or the unexpected loss of a loved one, the world you once knew is gone, and it’s difficult to know what to do next. It’s frightening, because one way we survive is by being able to predict our environment and acting accordingly. When predictability disappears, so too our sense of safety.

In this way change can trigger our most basic survival instincts, and even when physical survival is not an issue, it can feel as if it is whenever things change. This is why change is so difficult: our known existence, whether we liked it or not, is replaced by an unknown one, and we become fearful and disoriented, not knowing where to turn next to find the comfort and safety we seek.

Leaders respond quickly and boldly to this circumstance by taking steps to re-establish a sense of balance for themselves and their followers. Here are four tips to help you lead yourself and others through difficult and perhaps sudden or unforeseen change.

1. Whatever you feel, it’s okay. Change may stir up a host of emotions, including sadness, fear, and anger. There are no rules about what anyone should feel, but everyone should feel something. If not, then emotions may be lurking beneath the surface of one’s awareness and make their presence known at the worst possible moment, perhaps emerging as an unintended sharp word or fit of impatience. Remember this: emotions in and of themselves are neither good nor bad; it’s what we do as a result of what we feel that determines the outcomes we get.

Acknowledging feelings makes them easier to control. Therefore, leaders acknowledge their own feelings when things change, and validate the feelings of others. ‘You shouldn’t feel that way’ is not part of an effective leader’s lexicon.

2. Mourn first, then move on. In a similar vein, it’s important to mourn and move on when unwanted change hits, and in that order. Almost every unwanted change brings with it a sense of loss and a wistful desire to return to the way things were. In an attempt to move on, it’s tempting to make the mistake of encouraging people to embrace the new without giving them time to let go of the old. Sometimes we have to go slow at first to go fast later on. Change leaders create environments where people can process their thoughts and feelings about what they are giving up and what they will miss, before they have followers focus exclusively on what they will gain.

For example, I have known business groups to hold mock funerals when an old division or department is being shut down. Everyone on the team writes his or her goodbyes to the past on a large sheet of paper that is then buried, burned, or otherwise disposed of. A bit hokey, perhaps, but it gets at an important point: leaders do whatever they can to help people let go of the old before they ask them to latch on to the new.

3. Demand perfect effort, not perfect results. Often, change comes in bursts, as one change begets another. This can feel overwhelming, especially to those who weren’t involved in planning the change or otherwise didn’t see it coming. To them, change can feel particularly risky or threatening. To help reduce anxiety, leaders should demand maximum effort in response to the change, but not perfect results. Not all of your change initiatives will turn out exactly as planned. Leaders acknowledge this, and encourage followers to learn and adjust as they go.

This recalls the story of a young man who worked for his father. After making a mistake that cost the company nearly $50,000, the young man was called into his father’s office, believing he was about to be fired. “Why would I fire you?” his father said. “I just invested $50,000 in your education!”

4. Break long-term change into doable chunks. One organization I encountered had this operational philosophy toward change: “We’re born on Monday, we die on Friday, and we’re reborn on Monday.”

It worked like this: Every Monday, each work group would get together and decide on the two or three big ideas they would concentrate on that week, whether it was customer service, operations improvements, or whatever else tied into their longer-term strategic change plan. On Friday they debriefed what they learned during the week from their focused efforts, and on Monday they started the process all over again. In this way they took long-term change and broke it down into short-term, doable increments.

Keep your daily operational focus on immediate steps, lest followers become immobile in the face of seemingly unattainable longer-term change goals and objectives.

Sudden and overwhelming change can trigger fundamental survival instincts. Effective leaders recognize this and move quickly to help followers regain a sense of balance and equilibrium.

Gary Bradt is a keynote speaker, leadership consultant, and the author of “The Ring in the Rubble: Dig Through Change and Find Your Next Golden Opportunity”:www.GaryBradt.com

Sections Supplements
From Dining Hall to Dorm, WSC’s Evan Dobelle Leads by Immersion
Evan Dobelle

Evan Dobelle

Evan Dobelle has worked in some intriguing places, from Hawaii to the White House. It may seem unlikely, then, that the latest president of Westfield State College has found himself bunking down with the students in the residence halls at WSC. But he says it’s the best way to understand the college’s culture, and to set a course for the future.

Evan Dobelle, president of Westfield State College, calls his current living situation the “ultimate management by living.”

He took up residence in one of the college’s dorms when he assumed his post at WSC in January, so his neighbors are the students, and his trappings are much the same as theirs.

“As the largest residential state college in Massachusetts, this is essentially an ‘academic hotel,’” said Dobelle, using one of many descriptive turns of a phrase that characterize his speech and how he talks about the institution he leads. “I have to see how the hotel operates, and living here allows me to observe everything from the food service to the transportation to the general attitude and culture.

“I don’t interfere, and I don’t intrude,” he added. “But I do get to see things that can be fixed or underlined, and, most importantly, I get to be part of this campus life.”

Dobelle, a Pittsfield native, has served as a college president in various locations across the country, including Trinity College in Hartford, City College of San Francisco, and the University of Hawaii. But he’s no stranger to community planning and political leadership, either. He was elected to two terms as Pittsfield’s mayor in the early 1970s, and served as the U.S. chief of Protocol for the White House during the Carter administration, among other posts.

Most recently, he served as president of the New England Board of Higher Education, a sort of “chamber of commerce,” as he described it, for more than 200 institutions in six states. During that time, he championed the ‘college-ready’ model for high school students, investments in creative economies, and public-private partnership between various institutions.

When asked why he chose to accept the president’s position (he’s the college’s 19th following the departure of Vicky Carwein), his answer was quick and succinct.

“This is home,” he said. “In a profession like mine, you tend to have to leave home to assume more responsibilities. I have worked in several different places, and I can only say being offered the opportunity to work in Western Mass. is just one of those serendipitous things that happens.”

Class Notes

As for his primary goals moving forward, Dobelle said he’s focused on honing and elevating the WSC brand.

“We have a high admissions ceiling, and historically, we’ve been relatively passive in our admissions practices,” he said. “But we still need to diversify and promote the college — particularly our graduate programs. We’re a teacher’s college, but many people don’t realize what strong professional programs we have.”

He added that some of the existing strengths of the college — an accessible campus and strong academic record among them — are helping to advance certain initiatives that fall under that branding umbrella.

“There’s already an idyllic feel on the campus,” he said. “It’s a friendly college with have high retention rates and a committed faculty. The downside is that resources can be complicated to manage.”

Dobelle explained that a lofty admissions cap coupled with solid retention rates are good problems to have, especially in a national academic climate that is nearing some lean years in terms of new recruits. However, they also call attention to a need for more residential housing and academic buildings to accommodate students, and Dobelle said improvements to the physical plant are part of the overall attention to WSC’s identity.

“We have 400 people on the waiting list for the dorms,” he offered as an example. “And while there’s been a drop-off in applicants nationwide, Westfield State is still the college of choice for many students in Massachusetts, particularly from the southeast part of the state. Our strategy has become identifying exactly who these kids are, and actively recruiting them.

“To do that,” he continued, “We must celebrate our unsung programs.”

Dobelle said there are plenty examples of strong programs on the WSC campus from which to draw. He cited Criminal Justice, Psychology, Music, and History among them, and added that, just this year, the college was honored on the athletic side with the Smith Cup, presented by the Mass. State College Athletic Conference to the college that amasses the most wins in all sports, through both men’s and women’s teams.

He added that WSC’s current mission is not to reinvent itself, but to build on existing strengths such as these, and that includes work on the administrative end.

“I wasn’t brought here to change the college. I was brought here to bring it to the next level,” he said, noting that he’ll present his management plan to the college’s board of directors in June. “I’d say we’re working to create administrative efficiency, not a blanket restructuring. I’m looking for the right structure first and then the right people, but I’m certainly not looking to grow the bureaucracy.”

Destination College Town

Another initiative he’s pursuing is further ingratiating the college into Westfield’s downtown, a move he said could benefit both the city and the institution.

“Anything that helps Westfield helps me,” he said of the endeavor. “This is a solid city at the entrance to the Berkshires, and as such with access to one of the most successful creative economies in the country. I’m looking to locate a new performing-arts venue in the center of town, that could include up to 800 seats and be used by the college and the community.”

There is a potential site for the venue already: the former home of the college, a 30,000-square-foot brick building that could be refurbished and expanded to up to 130,000 square feet.

“It could be paid for through revenue generated at the site once it’s completed, and not through taxes,” Dobelle explained, “and it would also allow us to locate some faculty downtown and perhaps facilitate the construction of new dorm rooms for upperclassmen. The overall idea is that, in revitalizing urban areas, creating a ‘destination college town’ and access to different activities is very effective.”

When asked about the timeline for the project, Dobelle said plans are being mulled now with hopes of securing a revenue bond by 2010 and completing the performance venue by fall 2012.

“It’s an exciting option to consider, but I don’t want to consider it for long,” he said of the aggressive proposed schedule. “I’m not a ‘2020’ guy. I’m a Tuesday guy. I say if it’s a good idea, let’s not talk about it. Let’s get it done.”

Small-town Charm

All of the plans being set in motion now are geared toward augmenting the entire collegiate experience at WSC, and Dobelle said that underscoring the campus’s manageable size is part of this. With the Commonwealth’s most popular public institution just a few towns over in Amherst, he noted that competing with the sprawling, city-like size of UMass isn’t feasible, nor is it desirable.

“We’d like to increase faculty to create smaller class sizes and maintain that iconic, traditional collegiate feel we already possess,” he said. “By doing that, I think we’re giving people a fabulous option. Some students want to go to a big school, and some want to go to a small school. Before they make the decision, though, we want them to visit and see what we have to offer. It may be that Westfield feels more like home than UMass Amherst for some.”

As a graduate of UMass himself and a current resident at WSC, Dobelle couldn’t be more well-suited to make that claim. He’s quick to note that, when he says he’s living in the dorms, it’s not in a bunk bed with three roommates; his job title earned him a private, apartment-style room that he and his wife, Kit, have dubbed their ‘pied-a-terre.’

But he’s still very much ingrained in the college life at WSC. Like the students, he’s learned that nearby Stanley Park is called ‘Stanley Beach’ on a warm, sunny day, and that there’s a dance hall in addition to a basketball court at the athletic center. He has, however, left the late nights studying (or not) to his charges.

“The students and I operate on different cycles,” he said. “When I go to bed, they’re just going out. When I get up, they’re still snoozing. Right now, it’s a perfect situation.”

And right now, it’s home.

Jaclyn Stevenson can be reached at[email protected]

Sections Supplements
Green Ideas Take Root at Local Hospitals

As the benefits — both financial and ecological — of ‘green’ thinking sweep the business world, health care has taken a major role in the shift. Locally, hospitals are casting an earth-friendly eye toward how they power their facilities, what chemicals and supplies they use to sanitize rooms, how they dispose of waste, and any number of other daily jobs. Hospital administrators say the public, particularly in progressive Western Mass., expects large institutions of all kinds to be aware of the footprint they cast on their environment. They say such changes can be good for patients’ health — but also realize that going green can benefit the bottom line. Here’s a look at what area hospitals are doing in the ‘green’ realm.

Mercy Medical Center: No Trash Left Behind

Uncategorized

Founded 24 years ago by several members of the Sisters of St. Joseph, the Gray House was created in response to the poverty that prevailed in Springfield’s North End and the toll it was taking on that area of the city. Today, the work being done there — which ranges from adult basic education to a summer camp for young people; from a food pantry to collections of Christmas gifts for children — is changing the lives of people in many different neighborhoods.

Dena Calvanese says it’s hard to do what would be described in the business community as “long-term strategic planning” at the Gray House in Springfield’s North End.

That’s because the neighborhood it was created to benefit, which has the distinction of being the poorest in the Commonwealth, at least according to the 2000 Census, is constantly changing, said Calavenese, the executive director of this community center, who used the word ‘transient’ early and quite often to describe the constituency in question.

But while the area bordering Plainfield Street, in the shadow of I-91, is at the heart of the Gray House’s reason for being, its mission has expanded in recent years — geographically and in all other ways, as well — giving new meaning to the preferred term for the facility’s clientele: ‘neighbors in transition.’

As an example, she pointed to a table in one of the facility’s learning centers where several women from Burundi — a country in Africa’s Great Lakes Region that is, statistically, at least, the poorest nation on the planet — were engaged in basic reading lessons. The women came to Western Mass. from a refugee camp through the assistance of Springfield-based Jewish Family Services of Western Mass. and its relocation program. Officials at that agency had become familiar with the Gray House, its adult-learning programs, and its one-to-one teaching style, and enlisted its help in ongoing work to help refugees and immigrants adjust to American life and become contributing additions to the community.

On this day, three women who can speak Kirundi, the official language of Burundi, but not read or write in any language, were engaged in Eric Carle’s The Very Hungry Caterpillar, with tutoring from Laura Qualliotine, director of Adult Education at the Gray House.

“If someone would have said to me a few years ago that we would be working with people from Burundi, I would have said, ‘are you crazy?’” Calvanese told BusinessWest, adding that it is now one of perhaps 20 different countries (and languages) represented by the 75 current students in the Gray House’s Community Education Support Program. It provides instruction in reading, writing, math tutoring, GED preparation, English as a second language, and citizenship preparation, and speaks clearly about why this facility was created.

But perhaps not as loudly as the programs for children, who, said Calvenese, are especially vulnerable in situations involving poverty, a word that describes more than half the people living in Springfield’s North End. Thus, the Gray House has established a broad suite of initiatives — ranging from an after-school program to gifts for dispersal during the holidays; from a summer camp to amassing donations of prom dresses for neighborhood teens — all aimed at improving quality of life for young people.

“More than 40% of the food that we give out goes to children,” she said, referring to the Gray House’s food pantry and using it as one example of the strong focus on children. “Without the right nutrition, they’re more prone to illness and hospitalization. Hunger also leads to behavioral issues in school and attendance issues — if they’re sick, they’re not going to be in school. So we look to make sure that the kids have what they need.”

The facility’s mission has been advanced through the help of many area colleges — students, faculty, and staff members have taken part in several initiatives, ranging from tutoring to Halloween parties — and also the assistance of private foundations and the business community.

Several sources and programs, including an annual spaghetti supper, contribute to an annual budget now approaching $250,000, said Calvenese, adding that the agency stretches that money as far as possible by keeping operating expenses low (she’s the only full-time employee) and being resourceful in any way it can.

“We make our money go a long way,” she said, adding quickly that the Gray House is nonetheless limited in what it can do and how many people it can help. She wants to improve those numbers, and said the key to doing so is cultivating relationships with groups and institutions.

In this issue, BusinessWest goes behind the scenes at 22 Sheldon St. to see how the Gray House carries out its mission and why it has become a positive force in the lives of people of all ages.

Learning Curves

The walls of the front hallway of the Gray House are covered with pictures that convey the stunning, two-year-long transformation of this former eyesore into a community center, an ambitious endeavor launched by several members of the Sisters of St. Joseph who acquired the former boarding house at auction for $500 in 1982.

The photos show people cleaning, sanding, painting, hammering, and collectively working together to forge a new life for the handsome, 17-room Victorian that, by the time it was acquired, had a tree growing through a small room that is now a combination copy center and storage area.

In many ways, the work depicted in the hallway reflects what now goes on inside Gray House — spirited teamwork, involving a diverse group of individuals and institutions, to achieve a common goal. The big difference is that the current work, while it had a start point, never really ends, again because of the neighborhood in question.

Indeed, people aspire to move up and out of the area around the Gray House, Calvanese explained, adding that if and when they do, there are always new arrivals, living below or just above the poverty line, to take their place as neighbors in transition.

And when the constant challenges facing this constituency are blended with a downturn in the economy, such as the current slide, need simply escalates, she said, adding that this phenomenon is borne out by some recent statistics.

There are roughly 11,000 people living in the North End, but over the past year, the Gray House has provided assistance to more than 16,000 people, said Calvenese, adding that the facility has seen a 25% increase in the number of people seeking assistance from its food pantry over that period.

“With heating bills so high, gas going up, and some companies having layoffs, there are many people finding themselves in a bind, where they need some assistance when normally they wouldn’t,” she explained. “We’re seeing a fair number of people coming to the food pantry who haven’t been here before.

“And we’re limited in what we can do … many people need more assistance than we can give them,” she explained, noting that the pantry operates on Thursdays and tries to give each visitor roughly four days worth of groveries. “That’s why people go to the Open Pantry, and the Salvation Army, and then they may come here; no one food pantry can handle the full need.”

The Gray House is responding to the growing demand, not merely by making more food available, but by watching who comes through the door to try and make sure that the shelves are stocked with items appropriate for the many ethnic groups served by the facility.

This attention to detail is just what those five Sisters of St. Joseph had in mind, said Calvenese, adding quickly that, while the basic mission at the Gray House hasn’t changed over the past 24 years, the scope of the work and some of the specific directions it has taken might surprise the founders.

For starters, there’s the diversity on display within the adult-learning programs each morning. On the day BusinessWest visited, Elaine Lampron, a former grade-school teacher, was conducting reading lessons. The three people holding well-worn copies of Harper Lee’s To Kill a Mockingbird had come to Springfield from China, Taiwan, and Azerbaijan. Calvanese has also met people from Yemen, Nepal, and a host of other countries. “I’m learning a lot about geography and culture.”

There’s also the chart on the back wall of one of the learning centers. It has a long list of terms associated with whales, and it was compiled by students in the after-school program in advance of a whale-watching trip to Plymouth taken just a few weeks ago.

“None of these kids had ever been on a boat before, let alone on the ocean looking at three different kinds of whales, so this was an incredible experience for them,” said Calvenese, who told BusinessWest that the excursion, planned by students at Western New England College and made possible by a grant from the school’s alumni association, is indicative of the ways in which area colleges and businesses have been consistent, and imaginative, in their support of Gray House.

Efforts taken on behalf of the Burundian women provide another example, said Qualliotine. Students in Springfield College’s “Humanics in Action” program have worked with the women once a week this semester, she explained, with a focus on basic skills and vocabulary development.

It’s No Fluke

Such diligence and imagination are needed, said Calvenese, because need continues to grow, and the work being done at the facility takes on more importance. Indeed, by helping adults gain basic skills that may lead to employment, and by encouraging learning among young people who are at risk to contribute to already-alarming dropout statistics, the Gray House is benefiting the business community and neighborhoods across the region.

This multi-faceted mission was what drew Calvanese to the Gray House and its executive director’s position about 18 months ago.

A graduate of Assumption College with degrees in Business and Spanish, she worked as an analyst at MassMutual for several years before discovering that her real passion was social service. “I liked studying business, but living it every day … that wasn’t for me.”

She took a few classes in UConn’s Social Service program, enjoyed it, and eventually left MassMutual for two part-time jobs, one with the Open Pantry and the other with the Valley Opportunity Council. She shed the latter when she accepted the role of development director for the Open Pantry, a job that she said involved “a little bit of everything,” and that she kept for seven years.

She later took a job with a large nonprofit group in Connecticut, a position that allowed her to use her business skills, but at the expense of close contact with the community being served. The Gray House position, which came open in late 2006, provided the best of both worlds. “I use a lot of my business skills, but really feel very connected to the community; it’s very rewarding.”

While Calvanese said her basic job description is to manage the day-to-day operations and help provide a vision for the facility, she considers her real role to be that of relationship-building. And it is through such relationships that the Gray House can create, maintain, and strengthen programs for adults and children alike.

The collaboration with WNEC, for example, which began not long after Calvanese arrived, has taken many forms, with benefits for both Gray House ‘clients’ and students at the college.

Rose Gage, service coordinator for WNEC’s Volunteer Connection Center, said students at the college have participated in a wide range of initiatives to support the Gray House and those it serves. They include tutoring, a summer carnival, a Halloween party staged during the college’s “Make a Difference Weekend,” collections of holiday gifts and food at Thanksgiving time, and the purchase of $2,000 worth of gift cards from Borders, which has allowed more than 100 children to receive new books.

The whale-watch excursion came together through the direct involvement of Sarah Shugrue, president of the college’s CARE (Community Activity Rewards Everyone) program, Gage continued. “She met with administrators at the Gray House and talked about things they could do to provide learning experiences for kids in the after-school program. They thought a whale watch would be something different and educational, and won a $1,000 grant from the Alumni Assoc. to make it happen.”

A dozen children and six students from WNEC went on the trip, said Gage, noting that it’s an example of how this is a mutually beneficial partnership. “There’s a lot of give and take,” she said. “The students give back, and they take away from their experiences the satisfaction that comes from getting involved in the community.”

The Gray House has collaborations with several area colleges, including Springfield College, Bay Path, Elms, and Springfield Technical Community College, said Calvenese, and also with area companies, such as Hasbro, which provides funds to the facility through its Summer Learning Initiative.

The challenge moving forward is to build on these relationships and forge new ones, she said, and thus provide the Gray House with more resources and more opportunities to serve the community.

Town and Gown

As she finished giving a tour of the Gray House, Calvanese referenced a trunk full of prom dresses she would soon unload.

“It’s that time of year,” she said, noting that perhaps 80 dresses had been collected from various sources, including WNEC, and all of them would likely be put to use this spring.

While perhaps not as outwardly important as the donations of food, the adult-learning and after-school programs, or perhaps even the whale watch, the prom-dress program is still an important function of the Gray House.

“It’s a quality-of-life issue,” she said, and part of properly serving a constituency in need. And it’s just one example of how this special community center helps a growing number of neighbors in transition.

George O’Brien can be reached at[email protected]

Sections Supplements
John Rogers

John Rogers says the ‘hybrid’ nature of the iMBA program at AIC offers participants “the best of both worlds.

It’s called the iMBA.

And the i, in this case, stands for individualized, said John Rogers, dean of the School of Business Administration at American International College, who told BusinessWest that the latest addition to the school’s portfolio of MBA products speaks loudly as to where he and many others believe higher education is heading — and in several respects.

This is a “hybrid” program, Rogers explained, adding that it blends the convenience of online learning with what he considers the very necessary (especially in business education) interaction between students and the instructor.

“The general feeling is that online education has been efficient, it’s user-friendly, and the logistics are right, but in an MBA program, you’re teaching people how to be business leaders, and you can’t develop those skills needed to be a business leader if you never see anyone face-to-face,” said Rogers, adding that iMBA participants are in class for one weekend each month for what he called “interactive seminars.”

But that’s not what makes the program truly unique, Rogers continued, noting that hybrid programs are fairly common. Instead, it’s how the iMBA system adjusts to each student’s learning style and preferences. Elaborating, he said the new MBA incorporates the so-called “Adaptive Learning Model” developed by AIC’s partner in this venture, IDL Systems of Cambridge, and its founder, Dr. Nish Sonwalker of MIT. The ALM allows students to optimize their time in class, Rogers explained, by helping them to master key concepts through online exercises tailored to each student’s learning style.

“The most effective teaching comes when you beam your content in such a way that the individual is receiving it in accordance with his or her preferred learning style,” he said, going on to list several, including apprenticeship, or learning by watching and doing; ‘deductive’ learning, in which students are given basic principles that are then worked down to specifics; ‘inductive’ learning, involving such things as case studies; and the ‘discovery method’ — “very few people actually read the Microsoft Office manual,” said Rogers;“they just say, ‘let me get on the computer and play with the software, and that’s how I’ll learn.’”

Essentially, the ALM gauges how a student can best learn the material being taught in a given course, and ‘adapts,’ hence the name, to focus on the most appropriate one for a given individual.

As an example of how it works, Rogers offered some subject matter, specifically, the ‘time value of money.’ “Some people will get that concept and how to work with it through the direct, deductive approach,” he explained, “while others will need some examples, and still others will discover it by playing with different scenarios, such as, ‘if I put money in the bank, what’s it worth after five years, 10 years, or 20 years? … and they’ll come up with an understanding.

“Overall, this process is inclusionary, rather than exclusionary,” he continued, adding that, in the traditional methodologies, an instructor will test individuals, and some will fail. “In this system, we keep trying new methods until full mastery of a topic is achieved; some people will take longer than others, and some people will need to experiment with different learning styles before they get it — but eventually, they’ll get it.”

Rogers said this is the direction in which higher education is heading — a place where instructors don’t simply teach a subject and hope that a student will achieve mastery of it, but will instead have a form of verification that they have indeed learned. This will ultimately help students be better-prepared for the workplace and the business world, he said.

And the key, again, is the coupling of the hybrid methodology with the adaptive- learning system.

“If you do the hybrid program right, you get the best of both worlds; you get the convenience of online learning, but you can leverage the technology and use it in creative ways such as the adaptive-learning model, where you can teach more effectively and get higher success rates,” he said, noting that completion, or success, rates with online learning are traditionally about 50%, while programs like the iMBA run closer to 90%.

“That’s because you can bring people together, and get that face-to-face bonding with the instructor,” he continued. “Most people need that; they don’t need it every week, necessarily, but they need that component.”

AIC is of several institutions now partnering with IDL Systems, including Boston University, the University of Dallas, and the Department of Defense, said Rogers, adding that he believes the iMBA will become a popular addition to AIC’s suite of products because of its structure, flexible scheduling, pace (students earn in an MBA in one year as opposed to two to three years in a traditional part-time program), and other qualities.

Introduced earlier this spring, the iMBA program involves groups of students, or cohorts, said Rogers. The first one included 12 individuals, and the preferred size would be 15 to 20. Those in these cohorts are predominantly young people in business, perhaps five to seven years removed from their undergraduate degree, who are in management or on their way there.

“This is essentially another delivery system for the MBA,” he said, adding that he believes it will appeal to those who don’t live near the campus, need flexibility in their schedules but have the ability to commit one full weekend a month, or who simply want something different, in this case the ALM model.

“We’re taking the technology platforms and using them at a higher level,” he continued, noting that the iMBA goes a step above most distance learning programs now offered at a host of schools. “Everyone learns differently and at different speeds. This unique model recognizes this and adjusts to fit each student.”

And this, he said, is the real meaning of individualized.

George O’Brien

Departments

Financial, Estate- planning Workshops

May 14, May 21: Applewood at Amherst, a part of the Loomis Communities, will host a free public series of financial and estate-planning talks, all beginning at 7:30 p.m. On May 14, Eva Thomson of Thomson Financial Management will share methods of maximizing one’s assets for a fulfilling retirement and beyond. On May 21, Hyman Darling, J.D., of Bacon Wilson, P.C., will review ways to personalize one’s legacy through ethical wills, pet trusts, charitable bequests, gift annuities, or specific burial instructions. Talks will be conducted in the meeting room at Applewood at Amherst, One Spencer Dr., Amherst. Reservations are encouraged and may be made by calling Kelley Murphy at (413) 253-9833.

Pancake Breakfast

May 17: The World’s Largest Pancake Breakfast returns to Main Street in Springfield from 8 to 11 a.m., with tables stretching from Tower Square to Court Square. Three cooking tents will be serving buttermilk pancakes made by the International House of Pancakes. Carando Classic Italian bacon will also be offered, as well as H. P. Hood milk, orange juice, and cream for the Green Mountain Coffee Roasters coffee. Tickets are $3 for adults and $1 for children. For more information, visit www.spiritofspringfield.org or call the Spirit of Springfield office at (413) 733-3800.

Chamber Music at Wistariahurst

May 18: An afternoon of Schumann and Brahms will close out the final installment of the “Chamber Music at Wistariahurst” series at the Wistariahurst Museum, Cabot Street, Holyoke, beginning at 3 p.m. The concert will take place in the intimate setting of the Belle Skinner Music Room. The program includes Ziegeunerlieder by Brahms, arranged for chorus, and Spanishes Liederspiel by Schumann, for four solo voices. The soloists will be Mary Beth Taylor, soprano; Jane Hanson, mezzo-soprano; Peter W. Shea, tenor; and Terry Ward, bass. Tickets are $15. For more information, call (413) 322-5660 or visit www.wistariahurst.org.

Grant-writing Workshop

May 20: Grant writers for area nonprofit agencies are invited to a free workshop at Springfield Technical Community College (STCC) from 8:30 a.m. to noon in the theater of Scibelli Hall. Deborah S. Koch, director of grants at STCC, will conduct the workshop, which will offer an overview of foundations, what factors make a project appealing to foundations, writing letters of inquiry and proposals, and packaging the proposal. To register or for more information, contact Linda Padykula at (413) 755-4523 or via E-mail at [email protected]. The deadline to register for the workshop is May 15.

Woman of the Year Banquet

May 21: The Women’s Partnership of the Affiliated Chambers of Commerce of Greater Springfield will honor Kristina Drzal Houghton as its Woman of the Year at its annual banquet planned at Chez Josef in Agawam. The award recognizes extraordinary achievement by a woman in the greater Springfield community whose efforts exemplify the leadership, community involvement, and professional goals of the Women’s Partnership. A reception begins at 5 p.m., followed by dinner at 6:15.

Tickets are $35 per person. For more information, visit www.myonlinechamber.com.

Gus & Paul’s Marks 50th

May 29: Gus & Paul’s Bakery and Deli of Springfield will be celebrating a milestone — 50 years of community service — by hosting a “Taste of Gus and Paul’s” from 6 to 10 p.m. at the Basketball Hall of Fame. Proceeds raised from the festive affair will benefit Clinical and Support Options, a local, private, nonprofit organization that protects and promotes the rights and well-being of children and families. Designer food and dessert stations will feature the selections that have made Gus and Paul’s successful over the years. The Ted Levine Jazz Quartet will provide the entertainment for the evening. A cash bar will be available. Other highlights of the affair will include the Gus and Paul’s Challenge, a cupcake-eating contest, a raffle, and a live auction. Tickets cost $40. For more information, call (413) 737-9544, ext. 319, or (413) 782-5710.

‘The New Philanthropy’

June 6: Bay Path College’s Graduate School will host a free breakfast program titled “The New Philanthropy: What Donors Want. What Donors Need” from 8 to 10 a.m. in the Blake Student Commons on the Longmeadow campus. A continental breakfast begins at 7:30. The program is open to individuals working and volunteering at nonprofit organizations. Keynote speaker Claire Costello, national executive for philanthropic management for the Bank of America, will review the most important trends in this new philanthropic era. As part of a panel, local nonprofit and corporate leaders will respond to the presentation with their own personal insights about what the new philanthropy means for the region. For more information and to register, call (800) 782-7284, ext. 1056, or visit www.baypath.edu.

Departments

wing bankruptcy petitions were recently filed in U.S. BanThe follokruptcy Court. Readers should confirm all information with the court.

All American Family Life
Diamond Jim Group
Carlson, James Claude
Carlson, Annette Doris
a/k/a Taillon, Annette Doris
James C. Carlson, Ph.D.
1093 James St.
Chicopee, MA 01022
Chapter: 7
Filing Date: 03/18/08

Beardsley, Nancy Jean
383 East River St.
Orange, MA 01364
Chapter: 7
Filing Date: 03/17/08

Beaudry, Steven G.
96 Aldrich St.
Granby, MA 01033
Chapter: 7
Filing Date: 03/27/08

Begin, Guy R.
52 Chapin St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 03/24/08

Bergeron, Adam D.
106 Samuel St.
Springfield, MA 01109
Chapter: 7
Filing Date: 03/24/08

Bernier, Paul F.
65 Alger St.
Adams, MA 01220
Chapter: 7
Filing Date: 03/21/08

Bigos, Paul M.
PO Box 691
Becket, MA 01223
Chapter: 7
Filing Date: 03/24/08

Blair, Dale M.
Blair, Donna M.
17 Lawson Dr.
Easthampton, MA 01027
Chapter: 7
Filing Date: 03/28/08

Blair, Michelle E.
a/k/a Nadeau, Michelle E.
115 Russellville Road
Westfield, MA 01085
Chapter: 7
Filing Date: 03/27/08

Botto, Lawrence W.
249 Robbins Ave.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 03/25/08

Boucher, Shane William
PO Box 7000
Northampton, MA 01060
Chapter: 7
Filing Date: 03/19/08

Boucher, Suzanne M.
174 Barnard Road
Granville, MA 01034
Chapter: 7
Filing Date: 03/24/08

Brandon, Robert J.
Brandon, Cindy Ann
30 Clifton Dr.
Agawam, MA 01001
Chapter: 7
Filing Date: 03/26/08

Breor, Mark R.
14 Riddlell St.
Greenfield, MA 01301
Chapter: 7
Filing Date: 03/31/08

Buffum, Philip Ainsworth
Buffum, Trina Marie
a/k/a Weathersbee, Trina
6 Mountain St.
Plainfield, MA 01070
Chapter: 7
Filing Date: 03/24/08

Casella, Patricia A.
138 Fisher Hill Road
Cheshire, MA 01225
Chapter: 7
Filing Date: 03/20/08

Casey, Elaine A.
80 Brush Hill Ave. #73
West Springfield, MA 01089
Chapter: 7
Filing Date: 03/28/08

Casey, Ethel E.
345 Warren Wright Road
Belchertown, MA 01007
Chapter: 7
Filing Date: 03/19/08

Chaves, John S.
a/k/a Chaves, Joao
113 Skyridge St.
Ludlow, MA 01056
Chapter: 7
Filing Date: 03/19/08

Chilicki, Elizabeth Anne
222 Prospect St.
Northampton, MA 01060
Chapter: 7
Filing Date: 03/24/08

Clark, Deborah Lynn
56 Fuller Road
Montgomery, MA 01085
Chapter: 7
Filing Date: 03/26/08

Collins, Lynne M.
1129 St. James Ave.
Springfield, MA 01104
Chapter: 7
Filing Date: 03/20/08

Cooley, Angela A.
10 Franklin Ave.
Westfield, MA 01085
Chapter: 13
Filing Date: 03/17/08

Corriveau, Suzanne E.
156 Norman St.
West Springfield, MA 01089
Chapter: 13
Filing Date: 03/19/08

Country Computers LLC
Zalneraitis, Raymond
249 Hunt Road
Oakham, MA 01068
Chapter: 7
Filing Date: 03/31/08

Cox, Kevin R.
Eden-Cox, PamRose
a/k/a Eden, PamRose
66 Willow St.
Florence, MA 01062
Chapter: 7
Filing Date: 03/26/08

Croft, Brian S.
520 Southbridge Road
Warren, MA 01083
Chapter: 13
Filing Date: 03/21/08

Culloo, Heather
45 Lafayette St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 03/21/08

Cusimano, Nancy
45 Orlando St.
Springfield, MA 01103
Chapter: 7
Filing Date: 03/20/08

D’Amato, John R.
D’Amato, Mary A.
7 Treehouse Circle, Apt 2
Easthampton, MA 01027
Chapter: 13
Filing Date: 03/27/08

Daniels, Priscilla Elizabeth
15 Devens St.
Greenfield, MA 01301
Chapter: 7
Filing Date: 03/19/08

Davila, Pilar
91 Newton St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 03/26/08

Day, Eunice M.
14 Roger St.
Chicopee, MA 01013
Chapter: 13
Filing Date: 03/27/08

Delaney, Michael W.
1163 Westfield St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 03/24/08

Domingos, Joseph Charles
27 South St.
Blandford, MA 01008
Chapter: 13
Filing Date: 03/19/08

Farnsworth, III, Thornton
P.O. Box 771
Barre, MA 01005
Chapter: 7
Filing Date: 03/21/08

Fitzgibbon, John J.
Unit E30, Riverbend Condo
555 Russell Road
Westfield, MA 01085
Chapter: 7
Filing Date: 03/26/08

Folino, Patricia A.
212 Columbia St.
Adams, MA 01220
Chapter: 7
Filing Date: 03/18/08

Galvagni, Adam J.
Galvagni, Jody L.
a/k/a Josephson, Jody L.
a/k/a Walbridge, Jody L.
100 Lockhouse Road #E-4
Westfield, MA 01085
Chapter: 7
Filing Date: 03/27/08

Garcia, Ileana
1657 Dwight St., 2nd F
Springfield, MA 01107
Chapter: 7
Filing Date: 03/20/08

Garvey, Kevin
131 Rosewell St.
Springfield, MA 01109
Chapter: 13
Filing Date: 03/21/08

Goldstein, Melvin
1163 Westfield St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 03/24/08

Gonzalez, Yvette
22 Dunmoreland St.
Springfield, MA 01109
Chapter: 7
Filing Date: 03/17/08

Gregory, Seth H.
Gregory, Angela J.
a/k/a Ransford, Angela J.
119 Pfersick Road
Shelburne Falls, MA 01370
Chapter: 7
Filing Date: 03/25/08

Guzman, Edwin
Guzman, Anaceliz
14 Cleveland St.
Springfield, MA 01107
Chapter: 7
Filing Date: 03/17/08

Haddad, Heidi Lee
2167 Mohawk Trail
Shelburne Falls, MA 01370
Chapter: 7
Filing Date: 03/31/08

Hayslett, Gregory Vernon
Hayslett, Sandra Ann
28 Highland St.
Feeding Hills, MA 01030
Chapter: 13
Filing Date: 03/18/08

Hewitt, Mary E.
45 Porter St.
North Adams, MA 01247
Chapter: 7
Filing Date: 03/26/08

Horn, Chad D.
Horn, Rebecca J.
73 East Hoosac St.
Adams, MA 01220
Chapter: 7
Filing Date: 03/26/08

Jannine, Richard P.
Jannine, Sarah A.
74 Elm St. North
Barre, MA 01005
Chapter: 7
Filing Date: 03/27/08

Johnson, Michael A.
P.O. Box 2721
Amherst, MA 01004
Chapter: 7
Filing Date: 03/26/08

 

Kenney, James F.
72 Oakridge Dr.
Belchertown, MA 01007
Chapter: 13
Filing Date: 03/19/08

Knowlton, Stacey A.
889 Suffield St.
Agawam, MA 01001
Chapter: 7
Filing Date: 03/28/08

Laflamme-Gagnon, Sandra L.
40 Dale Court
Chicopee, MA 01013
Chapter: 7
Filing Date: 03/18/08

Lee, Tammie J.
166 West Housatonic St.
Pittsfield, MA 01201
Chapter: 13
Filing Date: 03/19/08

Legrand, Maranda M.
265 New Ludlow Road, Apt. H2
Chicopee, MA 01020
Chapter: 7
Filing Date: 03/18/08

Lemay, Arthur A.
Lemay, Katharine A.
59 Glenwood St.
Springfield, MA 01119
Chapter: 7
Filing Date: 03/28/08

Lewenczuk, Michael A.
Lewenczuk, Debra J.
116 Colonial Dr.
Ludlow, MA 01056
Chapter: 7
Filing Date: 03/20/08

Lobik, Robert P.
Lobik, Sandra P.
357 Somers Road
East Longmeadow, MA 01028
Chapter: 7
Filing Date: 03/20/08

Lovett, Christopher M.
Lovett, Diana C.
72 Northampton St.
Easthampton, MA 01027
Chapter: 7
Filing Date: 03/28/08

Maki, Carol E.
P.O. Box 593
Westfield, MA 01086
Chapter: 7
Filing Date: 03/21/08

Marsh, David F.
768 Burts Pit Road
Florence, MA 01062
Chapter: 7
Filing Date: 03/26/08

Mathers, Sean W.
Packard-Mathers, Amber M.
12 Laurie Ave.
South Hadley, MA 01075
Chapter: 7
Filing Date: 03/21/08

Montanari, William A.
11 Lakevilla Ave.
Springfield, MA 01109
Chapter: 7
Filing Date: 03/28/08

Odvar, John R.
19 Upton St.
Adams, MA 01220
Chapter: 7
Filing Date: 03/31/08

Peckham, Marie A.
59 Memorial Dr.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 03/19/08

Pedraza, Shelly A.
Pedraza, Jorge
82 Wallace Ave.
Chicopee, MA 01020
Chapter: 7
Filing Date: 03/28/08

Peirce, Jeffrey
Peirce, Barbara
12 Vinton Road
Sturbridge, MA 01566
Chapter: 13
Filing Date: 03/17/08

Perrin-Newman, Jennifer M.
120 Regency Park Dr.
Agawam, MA 01001
Chapter: 7
Filing Date: 03/17/08

Pikul, Kristen L.
1080 Central St.
Palmer, MA 01069
Chapter: 7
Filing Date: 03/21/08

Pride, Timothy A.
Pride, Wendy L.
14 Dawn St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 03/16/08

Ramos, Maria R.
47 Greenlawn St.
Springfield, MA 01119
Chapter: 7
Filing Date: 03/20/08

Reyes, Claudina
30 Alfred St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 03/24/08

Robertson, Sheran
34 Steuben St.
Indian Orchard, MA 01151
Chapter: 13
Filing Date: 03/25/08

Rossetti, Louis Anthony
1491 Westfield St.
West Springfield, MA 01089
Chapter: 13
Filing Date: 03/17/08

Ruiz, Ana
22 Northern Dr.
Chicopee, MA 01013
Chapter: 7
Filing Date: 03/18/08

Salone, Christopher
Salone, Cornelia
86 Smith St.
Athol, MA 01331
Chapter: 7
Filing Date: 03/16/08

Sanchez, Betzalis
a/k/a Rivera, Betzalis
3 Hill Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 03/26/08

Sanoki, Paul T.
5 Metzger Place
Springfield, MA 01104
Chapter: 13
Filing Date: 03/19/08

Serrano, Georgina
34 Merrimac Ave.
Springfield, MA 01104
Chapter: 13
Filing Date: 03/20/08

Sheil, Marie R.
106 Pinney St.
Palmer, MA 01069
Chapter: 7
Filing Date: 03/20/08

Sherman, Robert W.
18 Sherbrooke St.
Springfield, MA 01104
Chapter: 13
Filing Date: 03/28/08

Signorelli, Peter M.
Signorelli, Rosa J.
34 Sumner Ave., Unit 21
Springfield, MA 01108
Chapter: 7
Filing Date: 03/26/08

Smith, Amber L.
11 Lakevilla Ave.
Springfield, MA 01109
Chapter: 7
Filing Date: 03/28/08

Spinella, Marie A.
350 Valley View Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 03/24/08

Stanfield, Raymond A.
Stanfield, Amy S.
1087 East Mountain Rd.
Westfield, MA 01085
Chapter: 7
Filing Date: 03/28/08

Sullivan, Virginia W.
16 Peabody Lane
Greenfield, MA 01301
Chapter: 7
Filing Date: 03/27/08

Sypek, Joseph F.
Quagliaroli-Sypek, Betty Jean
a/k/a Sypek, Betty Jean
365 East Mountain Road
Westfield, MA 01085
Chapter: 7
Filing Date: 03/25/08

Thomas, Lawrence E.
Thomas, Lorraine A.
28 Pidgeon Dr.
Springfield, MA 01119
Chapter: 13
Filing Date: 03/21/08

Torres, Demaris R.
12 Lamb St.
South Hadley, MA 01075
Chapter: 7
Filing Date: 03/18/08

Trudell, Robert J.
Trudell, Cheryl A.
45 Hadley St.
Springfield, MA 01118
Chapter: 7
Filing Date: 03/17/08

Van Nortwick, Joan C.
1588 North Main St.
Palmer, MA 01069
Chapter: 7
Filing Date: 03/21/08

Volff, Brent J.
Volff, Kelley J.
166 Columbia St.
Adams, MA 01220
Chapter: 7
Filing Date: 03/17/08

Wellspeak, Terri M.
40 Laro Road
Westfield, MA 01085
Chapter: 7
Filing Date: 03/21/08

Whitcomb, Cheryl A.
37 Brookfield Road
Brimfield, MA 01010
Chapter: 7
Filing Date: 03/28/08

Wickizer, Jeffrey M.
385 Chapel St., B
Lee, MA 01238
Chapter: 7
Filing Date: 03/28/08

Wilkerson, Garland T.
Wilkerson, Deborah J.
71 Bryant St.
Springfield, MA 01108
Chapter: 13
Filing Date: 03/18/08

Williams, Kathy L.
222 Redfern Dr.
Longmeadow, MA 01106
Chapter: 7
Filing Date: 03/20/08

Wilson, Wayne A.
Wilson, Sheila M.
26 Smith Ave.
Westfield, MA 01085
Chapter: 7
Filing Date: 03/26/08

Wright, Aretha M.
25 Shawmut St.
Springfield, MA 01108
Chapter: 13
Filing Date: 03/25/08

Zguro, Katherine
756 St. James Ave.
Springfield, MA 01104
Chapter: 7
Filing Date: 03/17/08

Ziter, Francis H.
Ziter, Janet E.
33 Temple St.
Adams, MA 01220
Chapter: 7
Filing Date: 03/26/08

Departments

Comfort Inn Opens in Hadley

HADLEY — The Comfort Inn at 237 Russell St., franchised by Choice Hotels International Inc., is now open. Formerly a Quality Inn, the hotel underwent renovations to convert to a Comfort Inn hotel, including updating bed linens, a deluxe continental breakfast, and the lobby area. Owned and operated by Parmar & Sons of Hadley, the Comfort Inn features 86 guest rooms and one meeting room that can accommodate up to 40 people. The hotel also offers free high-speed Internet access, free in-room Comfort Sunshine Roast coffee, complimentary USA Today, and an indoor heated pool.

Yiddish Book Center Caps $32M Campaign with Groundbreaking

AMHERST — The National Yiddish Book Center has completed a six-year fund-raising campaign that brought in $32 million, and, to mark the occasion, conducted a groundbreaking ceremony on May 4 on a $7 million construction and renovation project that will double the size of its facility. The campaign has allowed the center to eliminate organizational debt, increase its endowment from $600,000 to $5.8 million, proceed with expansion plans, and significantly strengthen its donor base. Funds raised will also benefit educational and public programs. Built in 1997, the center’s current, architecturally distinctive headquarters offers exhibitions, galleries, open stacks of Yiddish books, a reading library, a bookstore, and public gardens. With the 21,000-square-foot expansion, the structure will include a state-of-the-art book repository for 500,000 of the center’s most important Yiddish volumes; a Yiddish Education Center with classrooms, a distance-learning center, and a student center; a 4,000-square-foot multipurpose space with a stage, professional lighting and projection equipment, and flexible seating for 275; a large kosher kitchen for conferences and other events; expansive galleries for traveling exhibitions and permanent installations; and offices for faculty and program staff. For more information about the center, visit www.yiddishbookcenter.org.

J. Polep Acquires Lesco Distributors

CHICOPEE — J. Polep Distribution Services recently announced the acquisition of Lesco Distributors in Mattapoisette. The sale adds $40 to $50 million to J. Polep’s annual sales, according to Jeff Polep, president and treasurer. Polep noted he will be employing 10 of Lesco’s sales representatives. J. Polep is a wholesale candy, tobacco, cigarette, grocery, and food-service distributor.

AIC Formalizes International Student Agreement

SPRINGFIELD — American International College (AIC) took a step toward becoming an international college recently by formalizing an agreement to bring undergraduate and graduate international students to campus. The college entered a partnership with Global Systems Management of Australia that could result in up to 100 new undergraduate students and even more graduate students. Global Campus Management Pty Ltd., headquartered in Australia, develops programs for students who may or may not speak English as their first language and who desire to study in the United States, United Kingdom, Australia, Canada, or New Zealand. As part of the agreement, Global Campus Management will recruit, process admission files, and manage student services for international students. AIC is the only college partner on the East Coast working with Global Campus Management. AIC President Vince Maniaci noted that the new agreement is an “excellent opportunity” for AIC to exercise its historic sensibilities. Maniaci said AIC was founded as a school for immigrants in the 1800s, and this is one way to get back to its roots.

MassMutual Participates in Pro-bono Housing Court Project

SPRINGFIELD — MassMutual Financial Group recently announced its participation in a local pro bono program in which attorneys in its Law Division offer free legal services to income-eligible tenants and landlords in Hampden County Housing Court. The program was founded by local members of the Mass. Women’s Bar Foundation, which provides free legal services for litigants who are facing either eviction or loss of their home and who do not have the financial means to retain the services of an attorney. In addition to this project, MassMutual attorneys are also doing pro-bono work for the Volunteer Income Tax Assistance Program in the Springfield area, which offers free tax-preparation help to low- and moderate-income individuals. If area attorneys are interested in participating in the Housing Court program, contact Suzanne Garrow at (413) 739-7094.

NewAlliance Sees 18.3% Increase In Earnings

NEW HAVEN, Conn. — NewAlliance Bancshares Inc., the holding company for NewAlliance Bank, recently announced net income of $12.9 million for the first quarter of 2008, compared to $10.9 million for the fourth quarter of 2007 and $9.3 million for the first quarter of 2007. The company also voted to increase the quarterly dividend to $.07 per share from $0.65 per share, payable on May 16 to shareholders of record on May 6. The dividend is up 8% from the prior quarter. First-quarter highlights included average loan balances increasing by $376.5 million, or 8.6%, and the net interest margin increasing six basis points to 2.56%, compared to 2.50% for the first quarter of 2007. On March 31, NewAlliance Bancshares had $8.18 billion in assets with 89 banking offices in Connecticut and Massachusetts.

Chicopee Bancorp Reports Income Drop

CHICOPEE — Chicopee Bancorp Inc., the holding company for Chicopee Savings Bank, recently announced net income for the three months ended Dec. 31, 2007 was $107,000 compared to $369,000 for the same period in 2006. The decrease in net income for the quarter is primarily due to an increase in salaries and employee benefits expense relating to expenses associated with the 2007 Equity Incentive Plan, according to bank officials. The company’s assets increased by $13.4 million or 3.0%, from $450.0 million at Dec. 31, 2006 to $463.4 million at Dec. 31, 2007, primarily as a result of an increase in loans of $10.9 million, short-term investments of $8.1 million, as well as federal funds sold of $7.5 million. The loan growth was offset by maturities of securities held-to-maturity of $10.1 million. In other news, the company reported a net income for the first three months of 2008 of $188,000, compared with $555,000 in income for the first quarter of 2007.

Big Y Plans Mother’s Day Promotion

SPRINGFIELD — Big Y Foods Inc. is donating 5 cents for every package of Big Y-branded products purchased during the Mother’s Day week sale through May 14 to the fight against breast cancer. Funds raised will benefit the Massachusetts and Connecticut affiliates of Susan G. Komen for the Cure.

O & P Labs Acquired

SPRINGFIELD — James Haas, CO, and Blaine Drysdale, CP, recently purchased Orthotics & Prosthetics Laboratories Inc., with offices in Springfield, Northampton, and Pittsfield. Haas, of Easthampton, is a certified orthotist at the facility with more than 16 years of experience, and Drysdale, of Northampton, is a below-knee amputee who has been a certified prosthetist at the company for more than seven years. Drysdale is also a licensed physical therapist specializing in amputee gait analysis. Both Haas and Drysdale look forward to a continued relationship with Salvatore LaBella, who founded the O & P Labs in 1984.

Whalley Computer Adds Course for Teachers

SOUTHWICK — Whalley Computer Associates recently announced “Integrating Technology in the Classroom” courseware to its eLearning Training Program for Educators. The program focuses on using the knowledge gained from learning computer programs such as Microsoft Office and incorporating it into daily lessons to enhance the students’ learning environment. The courseware consists of more than 28 chapters and will earn the educator 24 Professional Development Points. For more details, visit www.wca.com.

Easthampton Savings Sees Assets Rise

EASTHAMPTON — Easthampton Savings Bank President William S. Hogan Jr. recently announced that bank assets were more than $764 million at the end of the first quarter. The bank’s total assets were up $48 million from a year ago, an increase of 7%. In other news, the loan department reported loans now at more than $575 million, with a total loan portfolio that has increased by more than $39 million, and the bank’s deposit growth was $47 million, or up 9% from this time last year. Total deposits now exceed $544 million. During its annual meeting, the following elections took place: Richard A. Perras, clerk of the corporation, for one year; Thomas W. Brown, corporator, re-elected for a 10-year term; David K. Bridgman, William S. Hogan Jr., and Carol A. Perman, trustees, re-elected for three-year terms; and Thomas V. Giles, Carol A. Perman, and Stanley Paulauskas, elected to the Audit Committee for one-year terms.

River Valley Market Opens

NORTHAMPTON — The 15,000-square-foot River Valley Market recently opened its doors featuring large fresh produce, meat, and seafood sections; a deli seating area; beer and wine, bulk foods; cheese; dairy; grocery; and more. The community food store — specializing in fresh, organic, and locally grown foods — is unique in its concept as a member-owner investment. Membership at $150 is still available, and the co-op currently consists of more than 2,500 founding member-owners. Benefits to membership include savings on hundreds of specials and discounts on case purchases, and rebates on purchases when the co-op becomes profitable.

pton Inn Voted No. 1

HADLEY — The Hampton Inn Hadley-Amherst was recently named the number one Hampton Inn among the more than 1,400 Hampton Inn and Hampton Inn Suites hotels in the United States, Canada and Latin America for the first quarter of 2008. The Hampton Inn Hadley-Amherst was recognized for quality, guest satisfaction and business performance.

Goff Media Receives Addy Award

NORTHAMPTON — Goff Media recently received a Gold Addy Award for its ad campaign for Providence Auto Body to distinguish themselves from insurance affiliated auto body shops. The campaign features an insurance executive whom undergoes a lie detector test for installing cheap and inexpensive repair items in a vehicle in an effort to save money. Goff Media entered the 60-second radio ad, titled “Lie Detector,” in the radio category for the 2008 Addy Awards. Gold is the highest achievement in the regional competition, and the entry will now move onto the finals. The Addy Awards are the advertising industries version of the Grammies. For more information, visit www.goffmedia.com.

Chicopee Bancorp Reports Income Drop

CHICOPEE — Chicopee Bancorp Inc., the holding company for Chicopee Savings Bank, recently announced net income for the three months ended Dec. 31, 2007 was $107,000 compared to $369,000 for the same period in 2006. The decrease in net income for the quarter is primarily due to an increase in salaries and employee benefits expense relating to expenses associated with the 2007 Equity Incentive Plan, according to bank officials. The company’s assets increased by $13.4 million or 3.0%, from $450.0 million at Dec. 31, 2006 to $463.4 million at Dec. 31, 2007, primarily as a result of an increase in loans of $10.9 million, short-term investments of $8.1 million, as well as federal funds sold of $7.5 million. The loan growth was offset by maturities of securities held-to-maturity of $10.1 million. In other news, the company reported a net income for the first three months of 2008 of $188,000, compared with $555,000 in income for the first quarter of 2007.

MassMutual Graduates Special Care Planners

SPRINGFIELD — MassMutual recently graduated more than 110 Special Care Planners, strengthening the company’s ability to provide help to families with special needs. The agents received advanced training in estate and tax-planning concepts, special-needs trusts, government programs, and the emotional dynamics of working with people with disabilities and other special needs and their families, among other topics. The Special Care Planner certificate program is offered by the American College in Bryn Mawr, Pa., exclusively for MassMutual financial professionals. All agents also take an Emotional Intelligence Assessment to help them determine if they have the kind of emotional resiliency and personality that make them well-suited for this type of work. For more information, visit www.massmutual.com/specialcare.

Noble Hospital Earns High Grades for Patient Care

The Centers for Medicare & Medicaid Services (CMS), part of the U.S. Department of Health and Human Services, recently posted new survey information at the Hospital Compare consumer web site offering consumers more insight about the hospitals in their communities. In addition to adding the new information about Medicare patients about their hospital stays, CMS has added information about the number of certain elective hospital procedures provided to those patients and what Medicare pays for those services. For the first time, consumers have the three critical elements – quality information, patient satisfaction survey information and pricing information for specific procedures – they need to make effective decisions about the quality and value of the health care available to them through local hospitals. The updated information is part of the public health effort to strengthen consumer choice and create incentives to motivate providers to provide better care for all Americans. Five hospitals across Western Massachusetts were among the more than 2,500 hospitals in the country that participated in the patient satisfaction survey from October 2006 through June 2007. Local hospitals participating in the survey which was optional were Noble Hospital, Mercy Medical Center, Holyoke Medical Center, Cooley Dickinson Hospital, and Wing Memorial Hospital and Medical Centers. Noble Hospital in Westfield ranked tops among the regional hospitals in nine of the 10 categories in the patient satisfaction survey. Patient survey questions ranged from “nurses communicated well,” “doctors communicated well,” “received help as soon as wanted,” and “pain was well controlled,” to “staff explained medicines before giving,” “room and bathroom clean,” “room was quite at night,” “received home recovery information,” “hospital ranks 9 or 10 on scale from 0 to 10,” and “definitely recommend the hospital.” For more information, visit www.hospitalcompare.hhs.gov.

Departments

Current Events

Rodney Powell, right, president and COO of Western Mass. Electric Co., presents a check for $50,000 to Springfield Technical Community College as part of the college’s major-gifts campaign. The donation will be used for student scholarships in the School of Math, Sciences, and Engineering Transfer at STCC. From left are RushikeshPatel (partially hidden), STCC President Ira H. Rubenzahl, Quynh Anh Tran, Paola Santiago (partially hidden), Alex Lukomskiy, Karla Santiago, Matthias Galvin, Christopher Childs (holding the check), and Powell.


Maximum Exposure

Robert Charles Zemba, who founded a photography studio that took his name, recently retired after 30 years in the broad business of photography. More than 250 friends, family, and colleagues turned out to salute his work and wish him well in retirement. In a bit of role reversal, he had to pose for the pictures and not take them. Here, he does so with his daughter, Christine Little.


Summit Meeting

More than 70 area business leaders participated with the Affiliated Chambers of Commerce of Greater Springfield in the annual Beacon Hill Summit in Boston on April 30. The participants heard from many legislators about issues that affect the cost of doing business in Massachusetts.


Business Market Show 2008

The MassMutual Center was buzzing May 7, as the Affiliated Chambers of Commerce staged Business market Show 2008. More than 150 exhibitors graced the floor of the exhibition hall. At right, representatives of Agawam-based Hastie Fence greet visitors to their booth.

Sections Supplements
Tourism Sector Seeks Visitors from Across the Valley — and Across the Big Pond

As the peak summer tourism season approaches, the players in this sector are tempering their expectations against the backdrop of a softened economy and soaring gas prices. They see potential opportunity with regard to two quite different constituencies — those who may stay closer to home due to the current economic conditions, and Europeans who can take advantage of a weak dollar, and can now take a flight directly into Bradley International Airport in order to do so.

Western Mass. Woos International Travelers

Ray Smith, vice president of Marketing and Operations with the Berkshire Tourism Council, said he’s heard one intriguing statistic that speaks to current trends within European tourism in the U.S., regarding the number of new suitcases that are purchased to bring back to home countries.
“Apparently, a lot of Europeans are coming here and making specific trips to buy new bags, leaving the old ones here,” he said.

With a laugh, Smith added that he’s more than happy to capitalize on whatever “keeps them coming back.”

“All the more power to the luggage stores,” he said. “That’s one of the things that is already wonderful about Western Mass. — those shopping areas, from the outlets to the outdoor shopping venues and eclectic galleries. Those are a key part of a region’s entire flavor.”

That flavor is something the Berkshire Tourism Council and other regional tourism councils (RTCs), including the Greater Springfield Convention and Visitors Bureau (GSCVB), are working diligently to highlight of late, as they are in the midst of a new, stronger focus on attracting international tourists to the state, particularly from European countries.

Mary Kay Wydra, president of the GSCVB, said Europeans already have an understanding and appreciation for the Bay State and New England as a whole, making them a prime audience to target. Now, the various regions of the Commonwealth, from the Cape and Islands to its most westerly borders, are trying concurrently to bring new tourists in, with significant assistance from the Mass. Office of Travel and Tourism.

“MOTT has taken international tourism on 100% this year,” said Wydra. “The office has facilitated contacts in various European countries — Germany and the U.K. being the biggest markets for visitors to Massachusetts.”

Just as day and driving trips are gaining popularity among domestic travelers seeking more cost-efficient vacation options in light of soaring gas prices and a weak U.S. dollar, European travelers are taking advantage of this economic downturn in the states as well. For them, there’s never been a better time for a trip across the pond, and MOTT and its member RTCs are hoping they can turn an economic downturn into a traveling boom.

Selling the State

Smith said Massachusetts, and the Berkshires in particular, have already seen some healthy numbers in terms of European and other international travelers, but this is the first time the entire state has worked as one to create a cohesive plan that, after it’s been given time to root itself, could return some significant, measurable results.

“The exciting aspect for the Berkshires and many other regions is that now, we have a significant plan,” he said. “The Commonwealth of Massachusetts has an international marketing plan that started when Gov. Patrick was elected, and we’re doing quite a bit of outreach.”

Smith added that MOTT secured press contacts abroad and created a number of targeted marketing plans for each country. In addition, the department has planned several ongoing ‘sales missions’ to Europe that involve representatives from all of the RTCs across the Commonwealth.

“We have been challenged, and are in fact required, to talk about the entire Commonwealth and to sell the entire Commonwealth,” he said. “MOTT has created teams covering various countries, and we need to be able to sell our own regions as well as New England. It’s a total team effort.

“It’s exciting to see this occurring in this fashion,” Smith continued. “We’re knocking down borders that international travelers never see anyway. They don’t care where the Berkshires end and Greater Springfield begins.”

Smith added that the collaborative aspect of MOTT’s approach to international tourism does more than offer an opportunity for RTCs to bone up on attractions in the rest of the state. It also makes available precious funding that each region could not otherwise access.

“This goes a long way toward pooling resources,” Smith said. “We wouldn’t be able to do this alone. The state is taking the lead to make it easier for its regions to execute plans, because we don’t have the dollars to put into the initiative solely. That means we’re working with MOTT and partnering with the GSCVB and the Mohawk Trail Assoc., too.”

He went on to note that this collaboration, especially on the local level, is important in calling attention to Western Mass. as a destination.

“Boston and New England in general are already recognized by international travelers, but the Berkshires and the Pioneer Valley are not on their radar yet,” he said.

Western Ideas

Still, there are several existing facets of the region that are well-suited for further development in order to attract the international tourism market. The most recent and perhaps notable of these is Bradley Airport’s recently added direct flight from the Hartford/Springfield corridor to Amsterdam.

“It’s not just Amsterdam,” said Wydra. “That airport is a major hub, with connections to 84 different cities.”

That direct access to Western Mass. is a huge benefit for the region, and adds one more option for European travelers, who can already fly into Boston’s Logan Airport. But there are other strengths as well, including that existing general understanding overseas of the diversity of New England.

“Europeans in general love New England,” said Smith. “They know it, and they understand its history. Their sense of discovery is big. By and large, once they come once, they come back.”

Smith noted that, of all U.S. destinations, California, the Grand Canyon, Las Vegas, and New England are the first four attractions Europeans will consider, based in part on name recognition.

“Plus, New York City and Boston are generally the first entry points for Europeans, so geographically, we have an advantage there,” he said.

To keep them coming back to Western Mass. specifically, the GSCVB and the Berkshire Tourism Council have put a number of initiatives in motion, designed to build on existing strengths and take advantage of that one big weakness — the U.S. dollar.

A considerable amount of preparation is necessary; Wydra said the GSCVB has already translated ‘lure pieces’ featuring the Pioneer Valley into Dutch, Italian, French, Spanish, and German.

The same information is available in multiple languages on the GSCVB’s Web site, valleyvisitor.com, as are sample itineraries for all types of travelers.

Beyond that, Wydra and Smith agreed that a deeper understanding of international travelers is a large part of the puzzle. To that end, the GSCVB is taking steps to better-prepare members of the convention and visitors bureau for welcoming international travelers, particularly Europeans.

“It’s important for people to know how to greet European travelers,” Wydra said. “We’re talking to various market segments about customs and communication, and offering profiles of travelers from different countries. For instance, Germans tend to be very punctual, so it’s doubly important to ensure that events don’t begin late.”

There are other European habits to understand; most, for instance, use a travel agent or tour operator to help plan their initial visit, whereas Americans are more likely to use Web-based travel-planning tools.

“The leap across the pond necessitates using someone who knows what they’re doing for Europeans,” Smith explained. “Because of that, we see a lot of larger to mid-sized groups of travelers taking their first tour around, and we need to be ready to welcome them as soon as they step off the plane. Often, a first impression sets the tone for the entire trip, so we’re working to ensure that those first lines of hospitality — the concierges, help desks, and maitre d’s — are properly trained.”

Once they’ve arrived, both the GSCVB and the Berkshire Tourism Council have a number of day trips from which travelers can choose, based on their specific interests. These include outdoor activities, fine dining, historic-tourism opportunities, and cultural destinations that define Western Mass., but there’s one major activity that nearly all Europeans seem to be interested in lately.

“Europeans like to get an overall flavor for an area by doing many different things,” Smith said. “But bar none, the main component in these trips is shopping.”

As part of the materials used to woo European travelers to Western Mass., the GSCVB presents a list of popular items and the difference in cost between the U.S. to Europe to really drive that difference home. A pair of Levi’s, for example, is £45 in London and the equivalent of about £20 in Massachusetts. Nike tennis shoes are three times more expensive in Europe in the current economic climate, and Ralph Lauren bath towels are the equivalent of a paltry £5 to £8 here, whereas they’re about £15 in the U.K.

Making Inroads

There are several reasons why international audiences are integral to Western Mass. and the Commonwealth as a whole in terms of travel and tourism. The most basic and yet most important of these is that international travelers tend to stay at their destination longer, and therefore spend more money. The strong Euro is only helping to boost that trend.

That said, it will still be some time before these efforts can be evaluated in terms of economic impact, but Smith said that, in the Berkshires and beyond, this is an important building year in moving Massachusetts to the next level as an international tourist destination.

“The tough part is that we’re just starting, so it’s going to be difficult to really gauge,” said Smith. “It will take about three years to see measurable results. But we’re investing dollars in this initiative, and tracking is going to be extremely important. This year is going to be one of taking the plunge.”

Sections Supplements
West Brookfield Wire Company Is a Model for Employee-owned Ventures

They call themselves ‘Quirkers.’
It’s just one way the employees at Quirk Wire — named (actually renamed) for its former owners, Harrison ‘Hoddy’ and Diane ‘Dee’ Quirk — take ownership of their work and show an appreciation for their jobs.

A hardbound volume created for the Quirks last year on the occasion of their retirement shows another, and proves that sometimes, this company loyalty knows no bounds. It includes a photo of employee Shaun Long with ‘Quirk Wire’ shaved into the back of his head.

Daredevil hair-cutting aside, Quirk Wire is a company with an intriguing business model, focused as much on its employees as it is on its contracts. From his second-floor office, Quirk’s current president, David Thibodeau, explained that, even though Dee and Hoddy Quirk said goodbye to the business last year, they left behind a legacy that explains why ‘Quirker’ pride is such a pervasive theme within the walls of this wire and cable manufacturer.

“I joined the company in 2000,” he began. “I jumped at the chance to work for someone who had built a business from scratch; I knew when he bought this company, his goal was to bring it back to life.”

Thibodeau said that Harrison Quirk achieved that goal and sustained it for nearly three decades before moving on at the age of 75. Today, the company specializes in short runs of specific types of wire and cabling, serving a wide range of customers in industries such as aerospace, oil exploration, and power generation. Healthy business within these sectors, coupled with Quirk’s focus on niche markets, has created a strong presence in the wire industry for this outfit, which serves a number of international clients in addition to domestic customers. Thibodeau said the company averages 15% growth in sales each year, and that pace has earned it some impressive accolades, including the ‘Business of the Year’ award from the Quaboag Valley Chamber of Commerce in 2007.

Awards undoubtedly add to the ‘Quirker’ spirit, but the company’s namesakes left more behind than goodwill and good business when they retired. Indeed, they left the entire company in the hands of its staff.

“They realized that selling the company to another owner would tear down the basic business model they’d worked so hard to create,” said Thibodeau, noting that Quirk Wire’s transformation into an ‘ESOP’ (employee stock ownership plan) began in 2003. “Now, the company is 100% owned by its employees, and the change from how it was managed for so many years to being an ESOP was not a big stretch. Mr. Quirk’s business philosophy was always a generous one.”

Wired for Success

Quirk Wire got its start as Wirecraft Products in 1956, in a basement not far from its current headquarters. Walter Poti, the company’s founder, began wrapping wire with Teflon, a then-new product (the unbranded name for the compound is polytetrafluoroethylene, or PTFE; DuPont trademarked it as Teflon in 1938.)

Teflon’s primary use in the wire business is to cover wire and cabling, thus making it more resilient and resistant to high temperatures. Poti recognized a potential niche, and was able to build the business gradually during the late ’50s and early ’60s, when he moved it from his home to its current location on Route 9.

While he had indeed hit upon a specialty that persists today, Poti became ill with rheumatoid arthritis in the mid-’60s and sold the company to another entrepreneur. However, soon after the sale, business began to decline, and the outfit closed its doors after only a year.

At this point, Thibodeau explained, Harrison Quirk, a veteran of Michigan’s paper mills, relocated to Western Mass. in search of new ventures. He began working at a paper plant in Ware, but three years later, he went looking for a business of his own.

“I don’t think he wanted to take orders from anyone — he wanted to run his own company his own way,” said Thibodeau. “He literally went looking for a business to buy, and an associate suggested the wire company.”

At the time, the facility housed little more than a few spare pieces of equipment and stock, but Thibodeau said Quirk’s unique skill set was well-suited to resurrect the company.

“Mr. Quirk is an unusually talented man,” he explained. “He is very mechanically adept, but also has a head for business. He rebuilt many of the machines himself at home, hired four people from the original company to help him understand the wire and cable business, and, in 1978, reopened the doors.”

Coiled Again

Since then, those doors have remained open, providing quality jobs for a number of area residents and also welcoming new opportunities for the region. There have been seven additions to the property to date, including a $750,000 expansion in 2001 that doubled the company’s production capacity.

Quirk also established an ‘open-book’ management policy, both figuratively and literally, that persists today.

“Every employee is aware of what business is coming in and going out,” said Thibodeau. “Mr. Quirk had a ledger on his desk that anyone could look at. My system is of course a little different, but the idea is the same.”

That’s just one aspect of a unique management structure at Quirk Wire that places great importance on the needs of its employees. In many ways, the company was ahead of its time in areas such as profit-sharing and flex time — Thibodeau said every employee has a key to the building, and they choose their own schedules. Some work a standard 9-to-5 workweek, but others come in during the early morning hours or in the afternoon, or work overtime hours on weekends.

“We don’t have supervisors on the floor — it’s a flat-management structure,” he added. “All of the employees are cross-trained, and we believe the freedom they have makes them self-motivated. People feel committed to doing the right thing.”

Further, the flexible work environment at Quirk is complemented by a long-held commitment on the part of its management to treat staff as the company’s most important commodity. For many years, said Thibodeau, between 20% and 30% of its profits were returned to the employee pool through profit-sharing, raises, and bonuses.

“That has created a big nest egg for the old-timers,” said Thibodeau, adding that many of Quirk’s 39 employees have been with the company for a decade or longer.

But it also set the stage for the next chapter in Quirk Wire’s story, as it morphed into an employee-owned company.

According to the National Center for Employee Ownership (NCEO), the ESOP is the most common form of employee ownership among companies in the U.S. (other options include worker cooperatives, through which every employee has an equal vote, and direct stock-purchasing plans).

Approximately 11,000 U.S. companies employing about 8 million people now qualify as ESOPs, and while press attention is often given to those firms that use the model as a takeover defense or to buy out a failing company, these situations apply to only 3% of ESOPs.

Instead, NCEO reports that ESOPs are usually created to provide a market for the shares of departing owners of successful closely held companies, and Thibodeau said Quirk Wire exemplifies this description.

“The jump from how he’d always managed the company to an ESOP was not great,” he said. “In fact, I think it was a natural fit. The better the business does, the better the employees do.”

Thibodeau explained that employees are allotted shares of the company based on their salaries, and when that employee retires, the stock is repurchased using funds from an account the company is required to maintain as part of the ESOP model. The value is determined by independent valuation companies; in the meantime, management remains ‘top-down’ at Quirk Wire; Thibodeau serves as president; Mary Falardeau, who’s been with the company since 1984, is its CFO; and Peter Schlichting, who started in 1982, is vice president of Sales and Marketing.

“It’s a lot of work for employers and employees,” Thibodeau said of the ESOP model. “There is a lot of learning, and a lot of questions to be both asked and answered. But the more information that is shared, the more engaged the employees are. It keeps them interested, but on task — our employees know we’re not in the business of being an ESOP. We’re in the business of wire and cable.”

Quirk Product

A board of directors made up of three internal employees and four community members, including Dee and Hoddy Quirk, rounds out the company structure and keeps tabs on Quirk Wire’s performance.

As the business moves forward, said Thibodeau, new opportunities are presenting themselves in the wire and cable sector, including the emerging area of energy conservation. Quirk Wire’s facilities sit on 14 acres in West Brookfield, and Thibodeau added that, if further expansions are desired or necessary, that footprint can accommodate them.

“Business is good, and this is a big industry,” he said. “We have a good cross-section of customers, and I don’t think we’re ever going to put all of our eggs in one basket.”

Indeed, there are many lines of business running in and out of Quirk Wire, and now more than ever, its employees are wearing many hats.

But those hats, and sometimes the hairstyles under them, are signs of a business moving full steam ahead. A letter included in the back of the hardcover book compiled for Dee and Hoddy Quirk probably says it best.

“We are both thankful for the great place that Quirk Wire has become and that we have been given the rare opportunity to share in its success,” it reads.

Signed, the Quirkers.

Sections Supplements
Crystal Meth Offers a Dangerous High

Asked what age groups are the biggest users of ‘crystal meth,’ James Leyden thought for a moment.
“I’d say a lot of drugs these days have an 18-to-55 range, some even starting younger,” he said. “Of course, I don’t know who’s making it to 55 using this. It’s a devastating drug.”

It’s also gaining in popularity throughout much of the U.S., although not particularly in Western Mass. — yet.

“It has kind of been working west to east,” said Leyden, program manager of inpatient substance abuse services at Providence Hospital in Holyoke. “It’s a huge problem in the Southwest and Midwest, particularly cities like Chicago and Cincinnati, and we understand it’s now a problem in Boston, but it hasn’t quite made it here yet — but we’re anticipating its arrival.”

Crystal methamphetamine, simply put, is the most powerful form of speed available. It’s an amphetamine that excites the brain and nervous system by releasing dopamine into the body.

As a regulated pharmaceutical product, meth is available in tablet form. But on the street, manufactured in makeshift laboratories, the drug is sold either as an injectable or snortable powder or a smokeable crystal form. All three delivery systems promise a powerful high quickly, but the effects from smoking crystal meth come especially fast, crashing into the brain within 10 seconds.

“The high lasts a long time,” said Robert Azeez, clinical supervisor of the Carlson Recovery Center, an affiliate of Baystate Health. “It creates an extended period of feeling euphoric, but with a great amount of energy; you can stay up for days at a time under the influence.

“But,” he was quick to add, “it also impairs your thought process, so people using it are now engaging in riskier behaviors over a longer period of time” compared to other drugs.

Health risks, however, are many, ranging from irritability, nervousness, insomnia, nausea, and depression, to severe tooth decay — when smoked, meth destroys the enamel of the teeth — and also cardiac distress, significant cell damage in the brain, and even some unpredictable psychiatric symptoms when trying to withdraw from the drug. And its addictive qualities can be merciless.

“The way I’ve described crack cocaine vs. alcoholism is, alcoholism is like riding an escalator into the basement, while crack cocaine is like falling down an elevator shaft,” said Leyden. “Well, meth is an even quicker and more precipitous fall.”

In this issue, BusinessWest explores why more Americans are taking the plunge, and what health and government officials alike are doing to stop the spread.

Rock and a Hard Place

According to Azeez, hardcore crystal meth users may stay on the drug for three to four days at a time, with effects ranging from poor nutrition and hygiene to life-threatening health risks — as well as harm to relationships. “

There has been a lot of published research on the damaging effects to individuals and families,” he noted. “We’ve seen a lot of media attention paid to this subject because it has become a significant problem in this country.”

So serious, in fact, that the federal government took steps to curb illicit purchases of pseudoephedrine, a key raw material in meth production, by making it more difficult to buy medications that contain the ingredient, such as Sudafed and Claritin-D

“Unlike other drugs that have to be smuggled in from outside the country, and are typically distributed in urban areas, this drug is made in laboratories using many ingredients you can buy at the drugstore or online,” said Leyden.

As a result of this accessibility, the federal Combat Methamphetamine Epidemic Act of 2005, which took effect in September 2006, requires drugs containing pseudoephedrine to be sold behind the counter only at pharmacies. In addition, purchasers are limited in how much they can buy in a given month, and the pharmacy must record the purchase information in a log and keep that information for two years.

Azeez noted that pharmacies in Massachusetts had been proactive about pseudoephedrine sales even before the federal requirements kicked in, and together those restrictions might have contributed to the relatively small size of the crystal meth problem in the Commonwealth — at least compared to other regions of the country.

“Massachusetts has done a good job with the law change, making it difficult for consumers to purchase medicines over the counter at places like CVS or Wal-Mart that are used in the primary production of crystal meth,” said Azeez. “That has prevented labs from popping up in Massachusetts, so that, while meth is a huge problem in the Midwest, we haven’t seen it as much here.”

By that, Azeez meant that treatment facilities like the Carlson Center aren’t seeing a high volume of patients reporting crystal meth use.

“In order to use the substance, you have to have supply, and from what we know about crystal methamphetamine labs in this region, there’s not a lot of supply. It’s much cheaper to use other drugs, such as heroin and crack cocaine, so we’re not seeing as much incidence as they are out there, at least in terms of people accessing treatment.”

Boston, however, is a different story, said Azeez, noting that crystal meth has become a popular ‘club drug,’ particularly among gay men. In fact, Fenway Health Center in Boston, which specifically targets the gay, lesbian, and transgendered community with its health and wellness programs, has a treatment program specifically set up for crystal meth users.

“So often, guys wait to seek treatment until they’ve hit rock bottom and are only a shadow of their former selves,” said Wil Halpin, a clinical social worker at Fenway. “My worry is that people don’t always know the risks involved when starting to use crystal and how insidious the addictive cycle can become. It is one of the faster addictions out there, and one of the hardest to break.”

Exploding Problem

Addiction isn’t the only reason why crystal meth labs are dangerous, however. “You can be blown up in a laboratory — it’s been known to happen,” Leyden said, adding that the risk typically doesn’t deter someone with the know-how and desire to make the drug. “It’s not something everyone can do, but it is something you can learn to do. People find the instructions online, just like you can learn to make a bomb online.”

Unfortunately, more people are trying their hand, and it’s frightening to think of labs gaining a foothold in any community, because they can supply a steady stream of drugs that doesn’t rely on imports. Unlike commercial methamphetamines, which have some medical uses, said Leyden, crystal meth is strictly made for illicit use.

“It’s a much more efficient delivery mechanism, and the drug itself is more powerful” than simple methamphetamine, Leyden said. “Therefore, it hits the pleasure centers of the brain with full force.” It also produces a powerful recall effect in the brain that brings on strong psychological cravings even before a user is physically addicted. “It’s an — well, I don’t want to use the word ‘evil’ — but it’s a diabolical drug.”

Halpin said the comedowns from a weekend of crystal meth use can be so devastating that users start taking small hits at work to get them through the week without an emotional crash. “Before long it’s a daily ritual,” he said. “Crystal is suddenly taking over their lives, and they don’t even realize it.”

Leyden cited the story of a woman who was ironing clothes when she heard her mailbox lid slip, reminding her that a check might be in the mail. “She immediately set down the iron, called her next-door neighbor, asked her to watch her child, and dialed her dealer’s pager number” — all of it in a sort of trance, more like stimulus-response than a series of rational decisions.

“Crack addicts talk about how powerful the first memory of taking the drug is, how they’re forever chasing that first memory,” said Leyden. “It’s much the same with crystal meth. That’s how powerful this drug is.”

Sections Supplements
Women’s Leadership Network Gains Momentum, Welcomes New Members

Carla Oleska and Susan Jaye-Kaplan say the idea for a new women’s network in Western Mass. was born over dinner in New York City. Dining with a number of professional women from across the country, the two friends kept hearing a consistent theme within various conversations.

“Many people were talking and sharing ideas and stories,” said Kaplan, “but we kept hearing the same thing; women, especially young women, were saying, ‘we need something … some sort of network that can help us make things happen.’”

From there, it took little more than a shared glance between Kaplan and Oleska to make that hope a reality.

A year ago, they launched the Women’s Leadership Network (WLN), and in that time membership has risen to more than 100 women from across the region, representing a wide array of ages, careers, and influences.

Kaplan and Oleska are quick to point out that, while they started the venture, they’re already looking forward to passing the torch and watching the network grow and change on its own. Already, a group of women have signed on to serve as the WLN’s core, representing several different types of industries. This group includes Karen Woltjen Hines, owner of Woltjen Hines Marketing; Valerie Bonatakis, Maguire Center manager for Elms College; Brenda Olesuk, firm administrator with Meyers Brothers Kalicka; Lindsay Porter of Big Y Foods; Kathy Cardinale, owner of Cardinale Design; and Lynn Ostrowski, director of Health Programs and Com-munity Relations at Health New England.

“We said we’d get it started so the idea wouldn’t get lost,” said Kaplan. “We work quickly, and we have the connections to make things happen. But we want this to be owned by the next generation — these are the women who will give it shape and take the network where they feel it will have the greatest impact.”

Indeed, the two are not strangers to women’s causes and organizations. Kaplan is the founder of GoFit, a nonprofit that works with women and children to improve their health, fitness, and awareness of the importance of both; and of the Pioneer Valley Women’s Running Club. Oleska is the executive director of the Women’s Fund of Western Mass. (WFWM), an advocacy and grant-making entity based in Easthampton, and one of hundreds of similar women’s funds across the country.

The pair’s latest venture is one focused on networking, mentoring, education, philanthropy, and the overall advancement of women and women’s causes through these means.

“We’re not trying to duplicate any organization that already exists in the area, but complement them,” said Kaplan. “This is a network of all types of women, and a way for them to find each other.”

Giving Back

That said, the network has joined forces with the WFWM in a philanthropic sense. Just two months ago, the Giving Circle was created, welcoming members to join (though they’re not required to) through a $100 buy-in. When the network reaches $5,000 in contributions, the WFWM will make a one-time match of that amount, and work in concert with network members to identify a beneficiary.

Giving circles are seen across the country, and often work in tandem with women’s funds (there’s a Berkshire-based group that also collaborates with the WFWM), and Oleska added that, together, they provide a strong sense of value to one’s philanthropic efforts.

“The Women’s Fund will administer and distribute these funds, but the giving circle will let us know which area of giving is most interesting to them,” she said. “We’ll help them secure information and access to education and answer their questions, and when they’re ready to administer the funds, they can choose to fund a specific grant or fill a gap. There are a lot of ways to do both.”

Because giving circles make the final decisions as to where grants and gifts go, funding is available for a wide array of projects. Kaplan added that she hopes this broad availability of funds, as well as networking and mentoring opportunities, will continue to spread as the Women’s Leadership Network evolves.

“We have the ability to reach more groups in the community,” she said. “We want to support the Women’s Fund as well as others — we want to sit at a table with all types of women in Western Mass.”

Kaplan was quick to note that she and Oleska are also working toward achieving greater diversity within the network, by welcoming not just professional organizations to that table, but cultural groups as well.

“We should all be working together and bridging gaps,” she said. “When a job opening arises, it’s open to everybody, not just specific circles.”

To that end, part of the network’s mission is to raise the profile of its members within the business community through a number of educational and mentorship opportunities. The group now meets quarterly, combining a social aspect with guest speakers or panel discussions on specific topics. A recent talk, for instance, was led by Dr. Maria Sirois, a pediatric psychologist who has worked extensively with children and families facing terminal illnesses. Sirois is also the author of Every Day Counts: Lessons in Love, Faith, and Resilience from Children Facing Illness.

The meetings are held in various locales across the region, and Kaplan said this nomadic aspect of the network is intentional, to foster a feeling of ownership across the four counties of Western Mass. and to recruit new members.

“We want to create a sense of community,” she said. “The group is so new and young that it’s exciting to see it introduced to larger circles. I see the need for women to unite in Western Mass., and the bottom line is that I want my friends to see that need, too.”

Oleska concurred.

“Making an organization work to its fullest potential really is all about the connections,” she said. “It’s about making connections and sustaining them, and the result is stronger and better communities — and not just communities of women. When a change is made among groups of women, the effects reach their families, friends, co-workers, and employers.”

Strong Beginnings

So far, women across the region seem to be embracing the network with real enthusiasm. Kaplan said that when the group’s first meeting was scheduled, 50 women received an E-mail with a time, place, and a caution that there was no agenda. Despite that nebulous schedule, though, all but three of those invited came — and created their own agenda through conversations about education, charitable giving, career advancement, and, as Kaplan puts it, “the issues of our day.”

“The informal structure allows us to look at how many different things affect women and families,” she said, “and it helps us create a crossover between the networking piece, the mentoring piece, and the funding entity. Women generally don’t want to just write a check — they want to get involved, and have learning experiences as they give back.”

As the WLN continues to evolve, Kaplan and Oleska said the conversation will continue, as the organization gradually takes on an identity of its own.

“This is what the women in this area want,” said Kaplan. “And once a group of women are off and running, I truly believe that there’s no stopping them.”