Home 2008 (Page 3)
Sections Supplements
Business Owners Should Never Overlook Springfield’s Central Business District

Economic cycles come and go (at least so far). However, parking, safety, and competition from suburban properties are the three ever-present factors that impact the downtown Springfield Class A office market. And, as is so often the case with commercial real estate and urban central business districts, perception is not exactly reality.

Indeed, while these matters of parking and safety certainly constitute challenges, they are not as formidable as some make them out to be. Meanwhile, space in the suburbs does not come free of issues — or with free parking, either. In other words, there is some fiction that needs to be separated from fact on these matters.

Let’s start with parking. It was getting a bad rap long before I came to the area in 1985. And while enormous progress has been made with the addition of the I-91 North and South garages, companies still maintain that they have trouble attracting employees, especially females, due in part to the cost (which has remained nearly constant for the last 10 years) and safety issues related to parking.

Ironically, the cost of parking in downtown Springfield is a bargain when compared to other office markets in New England. Monthly parking in the City of Homes runs on average $80 per month in one of several covered garages or surface lots. Similar parking in Hartford is $200 or more per month, and in Boston it’s $400, or about as much as a car payment.

Meanwhile, Hartford’s downtown environment isn’t any safer than Springfield’s, and neither is Boston’s. The fact is that some people simply have a parking-garage phobia. It’s the earthbound version of a fear of flying.

One possible way to assuage this inherent aversion to parking garages might be to seek the help of the Springfield Business Improvement District. This seems like the logical organization to turn to, with such a perfect name for the job. The BID is supported by a special tax assessed on certain property owners in the designated district to improve the quality of the downtown business environment. For example, the Sovereign Bank Building makes an annual tax payment to the BID in excess of $50,000 a year. This is over and above the real property taxes it pays to the City of Springfield. All landlords, including the Class A and B office buildings, pay this tax in varying amounts.

Some of this revenue could be directed toward improving the collective sense of well-being as it pertains to parking. The BID has numerous uniformed officers, intended to be high-profile, who could, when requested, serve from time to time as escorts between the office buildings and garages. It seems like the most fundamental service for the BID to provide.

I don’t believe the primary objection to parking is really the cost. Parking translates into an additional cost of occupancy to a tenant of between $2 and $3 per square foot in rent if, in the extreme, the employer pays for 100% of every employee’s parking. Class A lease rates in the CBD top out at about $18 per square foot. With parking factored in, the rents are at $21 per square foot. In the prime suburban locations, the land of so-called ‘free’ parking, rents peak in the $25-per-square-foot range with parking.

Viewed in this light, ‘free’ seems to have lost some of its meaning.

Overall, the suburban office market has a significant impact on the downtown Springfield market. The suburban multi-tenant properties have been traditionally very close to capacity. When, on occasion, the suburban market experiences a sizeable vacancy, as was the case recently when ISO New England vacated 330 Whitney Ave. in Holyoke for newly built nearby quarters, a gold rush of sorts ensues. Two notable companies with downtown roots going back 20 years made commitments to the vacated space.

Monarch Life Insurance left, as did the Novak Insurance Agency leaving Tower Square. The combined square footage left behind in downtown amounts to more than 30,000 square feet. Fortunately, most of this has already been absorbed.

Liberty Mutual’s recent decision to locate at the Technology Park at Springfield Technical Community College, as opposed to staking a downtown presence, plugs a 30,000-square-foot hole there that could have eventually lured away other CBD tenants. So, for the time being at least, the downtown area is the only game in the region for office users in need of large blocks of available space.

Time will tell, but there is some optimism that business owners can look past downtown’s challenges and the often-misleading perceptions about that area, and help generate some real momentum in the CBD.

Downtown Springfield is, has been, and always will be the center of culture, commerce, and government in the region. For many companies, it is the only place to be. The David L. Babson Company, Court Square Data, and Western Mass Legal Services have all re-upped their commitment to downtown. The Premier Education Group (Branford Hall) recently moved its executive offices from East Springfield to Monarch Place.

These companies don’t need to be downtown — technology enables businesses to locate virtually anywhere — but they saw some of the inherent advantages to being in that area, and found space that will enable their companies to grow.

Other business owners can do the same — if they can look past challenges and some lingering misperceptions, and see opportunity.

John Williamson is the president of Williamson Commercial Properties in downtown Springfield; (413) 736-9400.

 

Sections Supplements
List of Top Performers Showcases Region’s Vibrancy, Diversity

The region’s economy may be softening, but there is still plenty to celebrate in terms of business growth and diversity, as the Super 60 Class of 2008 reveals. The ‘Revenue’ and ‘Revenue Growth’ lists represent a wide range of business sectors, and include enterprises ranging from a Ford dealership to the Springfield YMCA.

Russell Denver acknowledged that the region’s economy — like the nation’s — has slowed somewhat in recent months, and that there is some uncertainty about the future, especially in the wake of the turmoil on Wall Street and within the financial services sector.

But the president of the Affiliated Chambers of Commerce of Greater Springfield said there are many strong signs of continued vibrancy in Western Mass. As evidence, Denver, a lawyer by trade, offered up what he considers exhibit A: the collective companies on the ACCGS’s Super 60 list for 2008.

The enterprises on the ‘Total Revenue’ and ‘Revenue Growth’ lists, which range from a software maker to a local college; a car dealership to the Springfield YMCA (the nation’s second-oldest Y), were feted at the annual Super 60 luncheon, staged Oct. 24 at Chez Josef. There was much to celebrate, said Denver, noting that this year’s list features wide diversity, as seen above, several repeat winners from last year and beyond, and a number of newcomers.

All of these characteristics reflect the strength of the local economy, said Denver, who told BusinessWest that the ACCGS started this recognition program 18 years ago — it was called the ‘Fabulous 50’ in the beginning, but it’s been expanded since — to showcase the region’s strength, resiliency, and ability to continuously spawn new ventures.

“The list for 2008 shows that a number of companies are doing well — they’re thriving,” said Denver. “This area is a successful place to do business. This Super 60 list doesn’t just reflect that; it helps attract other businesses to this area.”

Some statistics help explain Denver’s bullishness on the local economy. The ‘total revenue’ winners, for example, combined to amass close to $1 billion in the past fiscal year, with average revenue for all participants exceeding $19 million and more than $32 million for the top 30. Meanwhile, in the ‘growth’ category, average growth exceeded 30% for all participants, and topped 51% for the top 30. More than four-fifths (84%) recorded growth in excess of 20%, while nearly half had growth in excess of 60%

Seven of the ‘revenue’ winners also qualified for the ‘growth’ category, while seven of the ‘growth’ winners also qualified for both lists.

A look at both categories reveals the diversity — in terms of business sector, size, and geography — that Denver spoke of, as well as good mixes of return companies and newcomers.

The ‘revenue’ category was topped by Southwick-based Whalley Computer Associates Inc., a veteran of the Super 60 competition and frequent top-five performer. Placing second was Ware-based Berkshire Blanket Inc., while Springfield College, the top finisher in ‘revenue’ in 2007, came in third.

The ‘revenue’ list also includes several companies in retail: Bassett Boat, Louis & Clark Drug, Rocky’s Hardware, and Marcotte Ford, for example, as well as technology: Rediker Software and Valley Communications; manufacturing: Univer-sal Plastics, University Products, and Astro Chemicals; service: Disability Management Services, Braman Chemical Enterprises, and even the New England Farmworkers Council; and health care: Jewish Geriatric Services and Pioneer Spine & Sports Physicians Inc.

On the ‘Revenue Growth’ side of the ledger, Springfield-based Complete Payroll Solutions topped the charts, while another Springfield company, R & R Industries, a wholesaler of scrap metal and distributor of truck and automotive parts, finished second, and East Longmeadow-based Biolitec, a maker of medical lasers and fiber-optic medical laser delivery systems, placed third.

Also appearing on the ‘growth’ category are companies with names indicating that this roster crosses a wide spectrum of business sectors: Dimauro Carpet & Tile, Haluch Water Contracting, Kleet Lumber, McHill Hose & Coupling, Parts Tool & Die, FieldEddy Insurance, Dietz & Co. Architects, and many others.

In the pages that follow, BusinessWest provides snapshots of all 60 companies. The top three finishers in each category appear in that order, with the rest of the lists running alphabetically.

Opinion
Fostering the Development of a ‘Smart Grid’

New England states have laid out an ambitious agenda to slow the growth in electricity use, reduce greenhouse gas emissions, develop renewable resources, maintain power-system reliability, and lower costs. The sometimes-conflicting nature of these goals makes it difficult to align them.

Indeed, this is a critical juncture for New England. For decades, the region has faced formidable energy challenges, from a lack of indigenous fuel sources to historically high costs, a weak transmission system, and growing consumer demand. The introduction of competitive electricity markets a decade ago has provided a solid foundation for progress: almost $10 billion in private investment in new power plants has boosted supply by more than 30%, and $3 billion of long-overdue transmission investment with about $5 billion more being planned will result in a more-efficient flow of power throughout the region.

The next steps can be achieved by developing solutions that accommodate and harness recent technological innovations to improve the efficiency of the power grid — in other words, to foster the development of a ‘smart grid.’

This ‘smart grid’ means far more than the use of technology. It means establishing ‘smart’ policies that will bring new technology to all corners of the power system to optimize supply, transmission, and conservation. It also means being smart about resource choices in the long term, so that the region can diversify its fuel sources and lessen its reliance on natural gas and oil to produce electricity.

On the regional level, smart-grid technology has been incorporated into New England’s power system operations so that grid conditions both inside and outside the region can be monitored. Moreover, ISO New England is committing funds for the development of an ‘Advanced Grid Simulator’ that will help determine how the grid will operate with the addition of intermittent alternative energy resources such as wind.

New electricity markets were recently implemented to expand the types of resources used to meet consumer demand. New England’s markets now procure in advance not just traditional supply such as power plants, but also conservation resources that reduce electricity use and have never been included in the marketplace before.

This fall, the ISO began a pilot program designed to test alternative energy resources, including energy storage, as a way to instantaneously balance electricity supply and demand. At the state level, policies are being implemented that will maximize the potential of these innovations and encourage their continued development. The state recently enacted the Green Communities Act that promotes the development of renewable resources and energy-efficiency programs.

Meanwhile, the state of Connecticut passed energy legislation that promotes conservation and reduced demand to limit the growth in electricity use. Connecticut has become a leader in demand response, which provides financial incentives for customers to lower their electricity use during tight supply periods. And energy efficiency programs are giving consumers tools to better manage their energy use.

Some New England states are either considering the adoption of smart meters or have already introduced pilot programs. Such technologies would provide consumers with real-time price information to enable them to better manage their use and lower their bills.

The goals that have been set for renewable resources, conservation, and reductions in greenhouse gas emissions are ambitious, but feasible if industry and government continue to build on progress. Technology transformed the region’s economy in the 1980s and ’90s, and fostered improvements in productivity and efficiency in industries around the world. New England can be at the center of another technological revolution in power delivery and use — automating the system to make it more efficient and bringing the economic, environmental, and energy needs of the region into closer alignment.-

Gordon van Welie is president and CEO of Holyoke-based ISO New England Inc.

Departments

Reality Store

Area high-school seniors learned the financial facts of life at the Reality Store event hosted at Springfield Technical Community College on Oct. 17. Tables represented categories such as housing, transportation, clothing, furniture, child care, groceries, insurance, and financial institutions, and were staffed by local business volunteers. Each student was handed a card with a life scenario, including a fictitious age, salary, education level, marital status, number of children, employment history, etc. They were given a check register and had to allocate their funds to provide necessities of life; if they ran out of money, they were steered to the part-time job table to see if there were any jobs available for which they would qualify. The students came from Chicopee High School, Chicopee Comprehensive High School, Enfield High School, Enrico Fermi High School, and West Hartford High School. The financial-literacy event is held annually by the Enfield Public Schools, based on a national model pioneered by the Indiana chapter of the Business and Professional Women Assoc. At top right is Barbara Lyon, transition coordinator for the Enfield Public Schools, who has organized the Reality Store event for students in this area for the past five years.


Driving Force

All States Transport Inc. (AST) recently celebrated the official opening of its national headquarters at 1067 East Columbus Ave. in Springfield. Founded in 1985, AST is a freight-brokerage company with offices in Texas, Florida, and Wisconsin, and it moves customer freight via road, rail, water, and air. From left are Pam Okeefe, an employee of AST; Angie Florian, a representative of the South End Citizens Council (SECC); Chris Kingston, AST; Leo Florian, SECC; Springfield Mayor Domenic Sarno; Billy Kingston, president of AST; and Jennifer Irwin, Phil Ierasi, Mary Dinas, and Natalia Wichowsky, all employees of AST.


County Strengths Dialogues

Hampden County leaders gathered recently to discuss the strengths of the county and their vision for change. The luncheon at the Delaney House was part of the Women’s Fund of Western Mass. “County Strengths Dialogues” in each of the counties of Western Mass. From left are Carla Oleska, CEO of the Women’s Fund of Western Mass.; Carol Klyman and Ellen Freyman of Shatz, Schwartz and Fentin; and Joan Kagan, CEO of Square One.

Uncategorized

David Panagore is now the former chief development officer for Springfield.

After nearly three years in that post, he has left to take roughly the same job, if not the same title, in Hartford, leaving the City of Homes with a critically important executive search to conduct.

Before getting to that, we’ll say that, while Panagore’s job performance is not the focus of this discussion, it should be noted that we believe he did a very capable job of giving Springfield something it hasn’t had in a long time — a real agenda when it comes to progress and economic development.

While the Urban Land Institute report gave the city a blueprint of sorts for moving forward — identifying several development priorities, including Court Square, the South End neighborhood, the now-vacant federal building, and others — it was Panagore, who arrived at about the same time as the Finance Control Board, who got everyone on the same page and, for the most part, kept them there.

He moved at sometimes-dizzying speeds and had a no-nonsense style that didn’t agree with everyone, but he succeeded in creating some forward momentum for Springfield — with regard to everything from its image to its marketing — and under some often-trying conditions.

But as we said, this isn’t about the person who had the job; it’s about who’s going to have it next.

That’s because, as Panagore said in what amounts to an exit interview with BusinessWest, Springfield is at a crossroads of sorts with regard to economic development. After years of talking about projects like the York Street Jail, Union Station, Court Square, the South End, Chapman Valve, and the downtown as a whole, there seems to be real progress toward action with all or most of them.

What the city needs now is a successor who won’t simply bring these projects home, but also continue the fight to woo the development community to a city that is primed and ready, but needs the economy to cooperate and people to step forward and make some investments here.

And that’s why this can’t be a political appointment — which it has been at times in the past — or one of those proverbial ‘national’ searches that always seem to end with the local good ol’ boy who needs a job or a better job. And there have been a few of those, too.

Outside of the school superintendent’s position, this development post is perhaps the most important job in the city right now — or at any time, for that matter — and Mayor Sarno has to approach it with that mindset and, practically speaking, an appropriate salary range.

In other words, cities get what they pay for in these situations, and in this case, the city can’t be penny-wise and pound-foolish. An attractive package will be needed to bring someone who is equal parts visionary, facilitator, effective administrator, and leader.

There may be someone in this city or this region who fits that job description and is ready, willing, and able to take on the challenge. We would suggest, however, that the city look hard (but not exclusively) at someone who might need an on-board navigation system to find Springfield City Hall. Such a person would have a learning curve, but wouldn’t be beholden to anyone or any group, and probably wouldn’t be swayed by past history and the negativism it often creates.

As Panagore told BusinessWest, the projects on or near the drawing board in Springfield, aren’t simple, and each one has a long way to go. But with regard to these initiatives and economic development in general in the City of Homes, there is far more talk about what the city can do than what it can’t, more discussion about what could happen here than about what will probably never happen — which is refreshing.

The city needs a development leader who can take all this and go somewhere with it. And that’s why this is a critical talent search.-

Cover Story
How Robert Holub Plans to Take UMass Amherst to the ‘Top Tier’
Cover 10/27/08

Cover 10/27/08

Robert Holub says it was the first pragraph of the ad placed in a higher-education trade journal that caught and held his attention.

He doesn’t recall the exact wording, but it was something to this effect: that the president and trustees at UMass Amherst were looking to recruit someone who could bring the campus into the top tier of public research universities in the country.

Only a few months before that ad was placed, Holub, then provost and vice chancellor for Academic Affairs at the University of Tennessee, wasn’t looking for another job opportunity. But by the time it appeared, following some leadership changes in Knoxville and greater uncertainty about his future there, he was paying much closer attention to such postings.

He was aware of UMass and its national reputation — like many others, he says the school is better-regarded outside the Bay State than within it — and was intrigued. But it was the ‘next-level’ nature of the assignment that also appealed to him. Many schools are looking to make such a jump, he told BusinessWest, and UMass has been for several decades now, it seems.

Indeed, such ‘top-tier’ language is commonplace in ads posted by schools seeking a president or chancellor, he said, adding that this opportunity — with its blend of timing, institution, and lingering historical challenge — stood out in some ways and got him thinking about what might be the next line on his resume.

By midsummer, Holub, a German scholar, wasn’t thinking about the UMass assignment any longer — he was already hard at work on it, or at least laying the groundwork for it. And by September, when he arrived at the Amherst campus, he was talking to media outlets and other constituencies, including alumni, faculty, students, elected officials, and others, about just what’s involved with taking such a school up a notch.

There is no manual and ‘how-to’ guide for such work, he explained, adding that it comes down to making an across-the-board effort to improve everything from research to the volume of faculty awards; from endowment to the rankings in U.S. News & World Report and other publications.

And Holub has already taken some steps in these directions.

For example, he recently reinstituted the position of ‘vice chancellor for Research,’ and expanded the title to include ‘Engagement,’ in one of several organizational moves.

“In examining the top public research institutions in the country, I have found very few that did not have a research office at the level of vice chancellor or vice president,” he wrote to the campus community. “If we are going to be among these top institutions, I believe it is wise to emulate their emphasis on research and research productivity.”

Following, or attempting to follow, best practices established by the schools well ahead of UMass in the rankings will be part of the strategic plan for the university, said Holub. But such efforts don’t take place in vacuums, and are inherently complicated by a number of factors, he said, putting everything from campus politics to simple economics on that list. And at the moment, state financing is a rather sore subject, with Question 1 (a proposed end to the Commonwealth’s income tax) hanging over every public institution, and $1 billion in cuts already made by the Patrick administration ($12 million at the Amherst campus).

But there are other factors, not the least of which is the fact that schools currently ranked higher than UMass in several of those categories have no intention of moving down the list.

“They don’t sit around and say, ‘we’ve had our time in the top 25; let’s give our spot to someone else,’ and the 20 schools in our position don’t say, ‘we’re happy where we are,’” Holub explained with a laugh, adding that reaching the next level certainly won’t happen overnight.

In this issue, BusinessWest introduces Holub to the Western Mass. region and details (to the extent possible) his intentions and plans to take UMass Amherst where no one has.

School of Thought

As he talked with BusinessWest in his offices in the Whitmore administration building, Holub referenced a wall of framed photographs and architects’ renderings. Together, they convey more than a decade’s worth of expansion and new construction — totaling hundreds of millions of dollars — that crosses several schools and departments at the university.

The collection is impressive, and includes the integrated science building, the new Skinner Hall (home to the School of Nursing), the Isenberg School of Management, the recently opened integrated arts building, a recreational center currently under construction, the new, state-of-the-art central power plant, and many others.

But they will all be coming down soon.

“These are things that are already done, for the most part, and achieved by the previous administration,” said Holub. “There are a host of new projects coming via the capital bond bill; we don’t need to keep up the old ones.”

Re-covering that wall with new building and expansion projects is just one of the official or unofficial goals that Holub has set since learning last summer that he had been the one chosen to take UMass to a higher tier — and a new set of pictures will provide some evidence of progress in that regard.

But the real proof will come in the rankings, specifically those set by the National Research Council, or NRC, said Holub, who told BusinessWest that he wants UMass Amherst to join such schools as Michigan, Penn State, Berkeley, UCLA, and others among the top echelon of public universities.

Gauging the scope of the work ahead, Holub said that several UMass departments have already achieved top rankings from the NRC — in terms of faculty awards, the school is in the top 20, for example — but in others, the school is well down the lists.

“It’s a mixed bag,” he explained. “We do well in faculty awards, but in research, we’re down around 50 or so, and in endowment, we’re down below 100. We have some departments ranked in the top 20, and others that are unranked.”

Questions about how to achieve across-the-board improvement no doubt dominated the interview process for the chancellor’s position, which Holub entered after nearly 30 years in higher education, 27 of them at Berkeley, which he placed in that top tier.

Holub started there as an undergraduate adviser in the German Department, and eventually became chair of that department and served in that post from 1991 to 1997. He would move up the ranks, and eventually be named dean of the undergraduate division of the College of Letters and Science, continuing a career-wide focus on undergraduate education. He left Berkeley for Tennessee and its chief academic post in 2006.

A change in leadership in Knoxville late in 2007 prompted him to start mulling career options, and he set his sights on a chancellor’s or president’s position.

What appealed to him about UMass was the solid foundation on which to build — several academic programs are highly ranked — and the professional challenge that awaited him at the school.

When asked where he starts, he said there will be several initiatives undertaken simultaneously, but research is obviously a top priority — hence the launching of a national search for a vice chancellor of Research.

“We have to improve in research productivity, in terms of federal research expenditures,” he explained. “That’s the way in which the top institutions are measured; we do well there, but don’t do as well as the top tier.”

The administrative change, with an emphasis on that word ‘engagement’ that will now be in the title, is a key first step in this initiative, he continued. “The research office should be able to act more effectively to assist faculty in doing their research, getting out research grants, and working with industry inside the state and outside it to attract research dollars.”

Another priority is communication, he said, meaning both the internal and external varieties.

“We have to make it known what is going on here, and what is so positive about what’s going on here,” he explained, noting that the accomplishments of the faculty are not as known and understood as they should be, for example. “Many of the surveys that you have, whether it’s the National Research Council or US News and World Report, are reputational in nature, and in the past, I don’t think we’ve done a good-enough job of communicating the excellent work that goes on here and the great research and teaching that are accomplished on this campus.”

To achieve improvement, Holub has appointed Tom Milligan to the position of executive vice chancellor for University Relations, and has moved several units and individuals under this unit to “ensure a more consistent and coordinated approach in reaching and engaging our key constituents,” as the chancellor wrote in his E-mail to the campus community.

Milligan is putting together a more-cohesive communications strategy for the campus, Holub continued, adding that several departments at the school have been handling what amounts to public relations, but these have lacked coordination.

Textbook Examples

While discussing what it will take to move UMass up in the rankings, Holub addressed some of the theories offered as to why the school isn’t on a higher tier, and why some question whether it can get there.

The proliferation of quality private schools in the Bay State is often mentioned in this discussion, because of how those schools — Harvard, MIT, Wellesley, Amherst, Smith, and Mount Holyoke, among seemingly countless others — compete with the state university for students, faculty, and the attention of the press, especially the Boston newspapers that cover Harvard like a blanket.

Meanwhile, distance from Boston is sometimes listed as a factor by those who believe Amherst is perhaps too remote to gain consistent attention from the Boston media, or to attract faculty and graduate students.

Holub acknowledged these contentions, but quickly discounted most all of them simply by showing what other schools facing similar issues and challenges have done.

Champagne, home to the Univerity of Illinois, is hundreds of miles of Chicago, he explained, and the Windy City has a number of top-tier private schools. But neither of those factors has kept the state university from reaching the place where UMass wants to be.

Meanwhile, he said, students don’t usually choose between Harvard and UMass, or MIT and UMass — the university traditionally faces different forms of competition for students. And as for the press, Holub took the attitude that, while the university can and will work harder to draw attention to itself — as he outlined above — he believes that if UMass can generate the kind of news he’s looking for (not students getting arrested after Red Sox playoff games), then the media will cover it.

So the task at hand is to create such news or more of it.

Doing so amounts to a process, said Holub, adding that, for the past few months, he’s been engaged in what might be considered the first step: listening.

He’s done a lot of it, while sitting across the desk from or standing at podiums in front of individuals and groups ranging from Allan Blair, president of the Economic Development Council of Western Mass., to distinguished alumni; from elected leaders in Boston and Washington to the school’s foundation board; from every dean on the campus to some current students.

What is he hearing from them? Many things, he said, but one common thread is the need to move quickly and decisively to restore a sense of stability, something that is lost, or perceived to be lost, when a school like UMass loses as many top administrators as it has over the past several months.

What is Holub telling those groups and individuals? Essentially, that he wants to take those departments not ranked among the country’s elite and elevate them there, while taking those with high rankings and pushing them higher still.

“We’re the best public research university in New England,” he said, stating with no lack of confidence in his voice that the school tops UConn in that category. “But we can’t be satisfied with that; we want to be one of the best in the country.”

Overall dissatisfaction with the status quo is what Holub says brought him to UMass.

“If they had said that they were satisfied with the way things were going and that they wanted someone to keep operating in that way, I wouldn’t have been interested in the position,” he said, referring back to that job posting. “This university has achieved some great things, but it can do more and be more.”

By the Book

When asked if there were any often-cited examples of schools reaching that ‘next tier’ that he would attempt to emulate in some way, Holub said there are several, but that each story is different is some ways.

The common thread is achieving a campus-wide commitment to excellence, and not allowing standards — or performance — to slip.

That’s why schools that are that top-echelon usually stay there, he continued, adding that UMass won’t easily take another university’s slot among the elite.

“Every public university that’s in the top 25 wants to stay in the top 25, and everyone who’s 25 to 50 wants to get in the top 25,” he explained. “So, it’s a very hard competition.”

Thus, UMass will have to earn its way to the top echelon, and the processing of doing so is already underway.

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

Opinion
Question 1 Is Reckless and Irresponsible

Question 1 on the Nov. 4 ballot, if passed, would eliminate the Massachusetts personal income tax.

The Economic Development Council of Western Mass. opposes Question 1 because it is bad for business — and education, infrastructure, public safety, and our overall quality of life.

The initiative’s proponents are hoping to sway voters by stating that, on average, taxpayers will annually retain $3,600 each. But it is what they are not saying that is of greater concern to the EDC and its affiliate economic development entities. Here are some facts that support the EDC’s opposition:

  • Throughout the last fiscal year, the state collected a total of $21 billion from all sources of revenue;
  • The portion of the $21 billion that comes from the personal income tax is slightly over $12 billion, totaling 57% of that amount; and
  • The state’s entire budget is approximately $32 billion, including federal funds. Therefore, the decrease to the entire budget will be 38%.
  • Proponents are not saying how the state will continue to provide vital services in the wake of such a dramatic revenue loss. A state budget reduction of 40%, if done across the board, would dramatically impact the services that we see every day: the education of our children, safety of our streets, fire protection, safe roads and bridges, and more.

    The EDC strives to foster the economic development of this region by assisting the region’s current businesses, while also encouraging new businesses to locate in the Pioneer Valley, bringing new jobs and opportunities.

    We have long known that the region’s roads and bridges are aging, worsened by overdue repairs. We realize that, as some workers lose their jobs, they must be retrained with new skills for new jobs. Western Mass. already has workers waiting for placement into job-training programs, waiting because of the lack of adequate funds.

    The EDC has also always recognized the value of our public colleges and universities. These institutions prepare our young people, the region’s future workforce that our businesses are relying on to sustain their growth. Many of those students are dependent on the state’s financial-assistance programs — which would be financially devastated by a 38% cut in state revenue.

    The EDC is also proud to work closely with all nine mayors of the Pioneer Valley. Businesses do not locate to the ‘state of Massachusetts,’ but rather to a very specific location, where our cities and towns provide basic services, including police and fire protection, to ensure a safe community in which those companies’ employees can work and raise a family.

    With that in mind, the EDC has consistently maintained that cities and towns require more state financial aid, especially over the past few years, as cities and towns have become more reliant on the local property-tax stream.

    After assessing these needs and conducting a very careful analysis of the state’s current financial situation, the EDC believes that a 40% reduction in state revenues would be extremely detrimental to all economic efforts and would greatly impact our quality of life.

    Overall, the EDC believes that expressing frustration with the government by supporting initiatives such as Question 1 is the wrong approach.

    Question 1, if passed, will do nothing to sustain a safe and sound Pioneer Valley for our residents and businesses. The cost of replacing the services that will have to be cut will far outweigh the savings estimated to be achieved by eliminating the income tax.

    For all those reasons, the EDC has taken a strong position opposing Question 1 — and encourages others to do so as well.-

    Allan Blair is president of the Economic Development Council of Western Mass.

    Sections Supplements
    Some Scale Back, yet Holiday Gatherings Remain a Popular Workplace Tradition

    The holiday banquet business has been up and down over the past decade, but despite some clients scaling back their requests, most venues report healthy bookings for 2008, with plenty of repeat business and few openings left for the season’s prime dates. That’s because, even in a slow economy, employers realize that holiday parties build camaraderie and lift morale at what is often the most stressful time of the year — and that’s just good business.

    Relaxation, laughter, and food, food, food.

    For most people, that’s not a typical day in the work world, but it does describe a night that has become ingrained as a tradition in corporate America: the holiday party.

    As Thanksgiving, Christmas, and Hanukkah approach, parties are an essential element of the season for most Americans, and employers have long gotten into the act, treating workers to sit-down dinners, cocktail parties, and upscale luncheons, with the intent of marking another year, showing appreciation, and just building camaraderie and morale.

    On any given year, around 90% of companies treat their employees to some sort of holiday party, and while a slowing economy might have some area businesses scaling back their plans, few are dropping them altogether.

    “As far as holiday parties, we’re pretty much right on schedule with where we were last year,” said Ralph Santaniello, co-owner of the Federal in Agawam. “The prime dates have really filled up as quickly as they did last year.”

    Those choice dates are typically the first two Fridays and Saturdays in December, and often the last Friday and Saturday in November as well. Other dates are being booked at a brisk rate as well, Santaniello said, but with a difference.

    “The restaurant’s filling up as quickly as it did last year, but people are spending less. So we’ve tweaked our menu and added some less-expensive items. It’s more-casual food, but we’re still doing it our way.”

    Peter Rosskothen, co-owner of the Log Cabin Banquet and Meeting House and the Delaney House, both in Holyoke, sees a similar trend — perhaps a little caution on the part of party planners over how much money to spend, but still a desire to have fun.

    “I think people are cautious — ‘Oh, God, I don’t want to spend so much money’ — so if we can offer a price within their budget, it makes the sale easier,” Rosskothen said. “We’ve structured our products at very tight, competitive levels. It’s about giving people a fair deal and quality for a good price. That’s where the market is going to be.

    “Personally,” he continued, “I’m cautious because of the economy, but I haven’t seen anything that gives me a sign one way or another. I don’t expect an incredible season this year, but I don’t really foresee a bad season, either.”

    In this issue of BusinessWest, we take our annual look into holiday party planning — and why these get-togethers remain an important part of the work culture.

    On the Rebound

    Jamie Przypek is curious.

    Overall, the economic alarm bells seem louder this fall than last, yet holiday banquet business dipped at the Basketball Hall of Fame in 2007 — and is back up this year, said Przypek, the Hall’s general sales manager.

    “Looking back, we’re actually doing more business this year — and there are still a few months to go,” he said, noting that the venue hosts a wide variety of parties and other social events, with food catered by neighboring Max’s Tavern.

    “We started promoting the season early this year — way back in the spring, actually,” he continued. “We’ve done E-mail blasts and phone calls to businesses, direct-mail pieces, advertising on our Web site, and the electronic highway sign is great, too.”

    The dip in 2007 actually reflected a wider trend, according to the survey of corporate holiday celebrations conducted annually by Battalia Winston, an international search firm that tracks business trends and has been surveying U.S. businesses on their party plans for two decades.

    Last year, the survey showed that 85% of businesses were planning parties — which may seem like a high number, except that the 2006 figure was 94%. In fact, only 2001 (83%) and 1991 (82%) showed lower participation, and those years were marred by 9/11 and a deep recession, respectively.

    The post-9/11 days were rough for the banquet business, and not just that one holiday season; it took several years for venues to return to pre-2001 levels. The 2008 survey results aren’t available yet, but if business in Western Mass. is representative, party planning could see an uptick.

    Even in good years, however, the landscape for banquet facilities in Western Mass. is competitive, so any edge helps. Kim Clayton-McGrath, sales manager at Yankee Pedlar in Holyoke, said that, because the facility can host parties from 20 to more than 200 people, it doesn’t have to require a minimum number of guests for a party, or place several parties together at one event, as other halls have done.

    She told BusinessWest that bookings are solid so far for the upcoming holiday season, and that repeat business is one major reason why.

    “We’ve had clients book the day after their party for next year,” she said. “We’re pretty booked for Friday and Saturday nights, but some of the smaller rooms are still available.”

    Like virtually every other banquet facility in the region, the Pedlar has in recent years put an emphasis on January parties in addition to the traditional, pre-Christmas events, to cater to companies too busy before the holidays to take a break, or who just want to celebrate at a calmer time; many facilities offer discounts for those who choose the post-New Year’s option.

    “That seems to be a trend people are moving toward now, because it’s less stressful,” Clayton-McGrath said, noting that people have so many other festivities to attend to in November and December.

    Many venues offer discounts not only for January parties but for weeknight events during the holiday season, which can be more of a challenge to book. The Hall of Fame, for example, is sending an E-mail blast offering 50% off the weekend price for anyone booking a holiday party from Sunday to Wednesday.

    Offering something unique helps; Przypek said the Hall of Fame offers attractive amenities to businesses that choose to celebrate the season there, from access to the basketball exhibits themselves to the placement of a company’s logo on the highway sign or its message on the scrolling marquee at center court. “There’s a lot of added value there,” he said.

    Chow Down

    Santaniello said it helps for a banquet facility to be flexible with the divergent needs of its clients.

    “We do food stations, and we also do sit-down, plated dinners. It runs the gamut,” Santaniello said. “We make everything in-house, and we change our menus so often that we can really adjust to anything.”

    Judging by last year, he said, most companies are eschewing sit-down, three- and four-course dinners for stations and butler-passed hors d’oeuvres, where mingling is the rule.

    Trends can change, of course, and certainly do — but it seems the company holiday party isn’t going away anytime soon.

    “Businesses are dealing with a lot of pressures right now, and in these tough economic times, when people are worried about their jobs, what better way to boost the morale of your employees than with a holiday party?” Przypek said. “It’s a way to reinvest in your employees.”

    Clayton-McGrath agreed.

    “The economy’s not great now, but it’s not like after 9/11, when everyone had a very poor holiday season,” she said. “We’ll be busy, pretty much the same as we were last year. We have some great clients, and they don’t seem to be scaling down. We’re happy with where we are.”

    Joseph Bednar can be reached at[email protected]

    Departments

    HNE Achieves High Rating on Customer Service

    SPRINGFIELD — Health New England (HNE) recently achieved the highest rating in customer service among 160 commercial HMO/POS health plans surveyed in the U.S., according to a report released by the National Committee for Quality Assurance (NCQA). In the Quality Compass 2008 report, HNE achieved the highest ratings in the country in the ‘customer service’ composite measure. HNE scored 93.46, acknowledging that 93.46% of the respondents answered ‘always’ or ‘usually’ to questions including, “in the past 12 months, how often did your health plan’s customer service give you the information or help you needed?” HNE is a managed-care organization with a service area covering Franklin, Berkshire, Hampden, Hampshire, and parts of Worcester counties. NCQA is a private, nonprofit organization dedicated to improving health care quality, and publicly reports comparative results of health plans regionally and nationally in its annual Quality Compass report.

    United Bank Opens Express Branch in Northampton

    NORTHAMPTON — United Financial Bancorp Inc., the holding company for United Bank, has opened its Express Branch, its second Northampton location and the 16th banking office in the network. Located near Interstate 91, the Express Branch offers both walk-in and drive-up banking with a drive-up ATM, drive-up teller window, and a night depository, as well as lobby teller service for account opening and routine banking transactions. The downtown office opened in June 2006.

    Aucella & Associates Wins National Award

    WESTFIELD — Aucella & Associates has won an American Graphic Design Award for its 2008 Pilgrim Candle catalog from Graphic Design USA. The catalog was recognized for meeting a difficult design challenge, according to Phil Aucella, president. Aucella noted that he found a “visually interesting way” to differentiate Pilgrim from its competition. Overall design elements encourage the reader to learn more about the products while featuring each item in a manner that highlights the entire line, he added. For more information on the catalog, visit www.aucellainc.com.

    Renz Marks 30 Years in Region

    AGAWAM — On the heels of Renz’s 100th anniversary in Germany, Renz America celebrated its 30th anniversary locally on Sept. 26 with a tour of its facility in the Industrial Park. Company President Peter Renz opened the 48,000-square-foot facility for tours to local dignitaries, customers, and vendors. Renz America, which employs 27 in town and more than 200 worldwide, manufactures punching and binding equipment for Ring-Wire wire-comb binding, plastic-spiral or ‘coil’ binding, and plastic-comb binding. The company also produces Ring-Wire and plastic-spiral-binding supplies. Additionally, covers are made in a variety of styles, materials, and textures. For more information on the company, visit www.renz.com.

    BMC’s Cardiac Care Work Recognized

    SPRINGFIELD — Masspro has recognized Baystate Medical Center for leadership in the areas of acute myocardial infarction, heart failure, pneumonia, and surgical care. Masspro monitors and promotes health care quality in Massachusetts on behalf of the federal government. The award acknowledges Baystate’s work as part of a federal Centers for Medicare and Medicaid Services project to set benchmarks for high-quality health care in hospitals. In participating in the project and sharing best practices, Baystate has helped establish applicable standards for excellence in patient safety and the overall quality of care in the state and around the country. Baystate was also cited by Masspro for its frequent mentorship of Massachusetts hospitals in caring for heart attacks and heart failure, and for surgical care. Baystate is one of only two hospitals in the state to be recognized in that area.

    Cartelli Named President of Fathers & Sons

    WEST SPRINGFIELD — Damon S. Cartelli, son of former Fathers & Sons Inc. president and founder Robert T. Cartelli, assumed full ownership of the dealership last month. Since 1974, Fathers & Sons has grown into a multi-franchise dealership representing six car manufacturers at three locations in town — Porsche, Audi, Volvo, and Saab at Fathers & Sons Collection, 989 Memorial Ave.; Volkswagen at Fathers & Sons Volkswagen, 434 Memorial Ave.; and Kia at Kia of West Springfield, 468 Memorial Ave. Cartelli began working for his father when he was 14, performing a variety of duties ranging from managing the lot to washing cars and working in the service department. After graduating from Boston College in 1994, he joined his father selling cars and honing his skills to be the successor in the family business. He received a diploma from the National Automobile Dealers Assoc. (NADA) Dealer Candidate Academy in 1998, and was named general manager in 2001, overseeing 120 employees. Cartelli is a member of several business and trade organizations including NADA.

    Big Y Supports Breast Cancer Awareness

    SPRINGFIELD — Big Y Supermarkets are raising awareness and funds for breast cancer in October by donating proceeds from its produce department as well as select products to the Susan G. Komen for the Cure foundations in Massachusetts and Connecticut. Last year, the chain raised more than $85,000 and hopes to top that amount with this fall’s campaign. The program is called “Partners of Hope” to reflect the partnership, commitment, and support of breast-cancer awareness and research. In addition to partnering with many manufacturers to procure pink-labeled products with funding toward breast-cancer research and awareness, Big Y will be selling pink T-shirts, pink-frosted cupcakes, pink travel mugs, water bottles, and more. Pink paper ribbons will also be available for a $1 donation and will be posted in each supermarket. For information on additional programs, visit www.bigy.com.

    River Valley Market Celebrates in Style

    NORTHAMPTON — More than 10 years of effort to build a green grocery in the Valley was marked by a grand opening party on Oct. 1 which was attended by more than 750 member-owners and staff of the River Valley Market on North King Street. The community-based market specializes in fresh, local, and organically grown foods with an emphasis on supporting regional farmers in their quest to care for the land and supply foods that the community can trust. Throughout October, there will be a host of free activities, cooking tests, specials, door prizes, and food demonstrations to celebrate the grand opening. River Valley Market is open daily from 9 a.m. to 9 p.m. For events and specials, visit www.rivervalleymarket.com.

    Coldwell Banker Employees Donate $25,000

    SPRINGFIELD — Through the efforts of sales associates and employees of the Coldwell Banker Residential Brokerage offices, the fund-raising arm of the firm recently donated $25,000 to benefit the Greater Springfield Habitat for Humanity. The funds raised will enable the organization to complete the 171 Cabot St. project this fall. Offices participating in the efforts included those in Belchertown, Chicopee, East Longmeadow, Longmeadow, and Westfield. Additionally, employees have been supporting the local Habitat for Humanity through a variety of fund-raising initiatives and volunteering, according to Mary Leahey, regional vice president of Coldwell Banker Residential Brokerage. Leahey noted that the foundation of the business is providing homes, so the partnership with Habitat for Humanity “emphasizes our sincere dedication to all families and achieving their homeownership dreams.”

    Cooley Dickinson to Join New Alliance

    NORTHAMPTON — Cooley Dickinson Health Care Corp. recently announced it will join New England Alliance for Health (NEAH), a health care alliance that will be formed to include hospitals in Massachusetts, New Hampshire, and Vermont on Jan. 1, 2009. This change is coming as the Dartmouth-Hitchcock Alliance (DHA) plans a restructuring that includes dissolving the current DHA on Dec. 31, 2008. Craig Melin, president and CEO of Cooley Dickinson, noted that ,through membership in DHA, the hospital realized savings through the coordination of equipment, supplies, pharmaceuticals, and insurance-coverage purchases. Melin added that the alliance also provided for improved productivity and efficiencies in contract management and information systems. Melin noted that he expects Cooley Dickinson to achieve similar benefits through NEAH.

    SPHS Capital Campaign Gets $400,000 Boost

    SPRINGFIELD — The Sisters of Providence Health System’s capital campaign has received contributions totaling $400,000 from two prominent businesses — Big Y World Class Markets and the MassMutual Financial Group. The Hope and Healing Capital Campaign supports Mercy Medical Center’s construction of the new Mary E. Davis Intensive Care Unit and renovation of the Ambulatory Surgical Center. Big Y World Class Markets contributed $250,000 to the campaign, and MassMutual Financial Group has donated $150,000 to the campaign. Officials from both businesses were recognized at a special reception at Mercy Medical Center on Sept. 16. Additionally, health system employee donors have contributed almost $500,000 to the fund-raising effort over the past two years. The capital campaign is on track to raise $6 million by the end of the year, according to Mercy officials..

    Departments

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

    AGAWAM

    Hillside Development Corp.
    959-967 Springfield St.
    $200,000 — Renovation of existing building

    Litron, Inc.
    207 Bowles Rd.
    $70,000 — Install steel support beams to relocate HVAC unit on roof

    CHICOPEE

    Adams & Ruxton Construction Co.
    124 Cabot St.
    $41,500 — Make improvements to teller stations

    JK Harbey LLC
    55 West St.
    $25,000 — Renovate kitchen

    JK Harbey LLC
    59 West St.
    $50,000 — Renovate kitchen

    EASTHAMPTON

    George R. Dion
    141 Northampton St.
    $19,300 — New roof

    John Moriarty
    77-87 Main St.
    $39,000 — Construct new means of egress in rear of building

    Mai Stoddard
    24-26 Northampton St.
    $21,000 — Replace roof covering

    EAST LONGMEADOW

    BCHP Partners LLC
    98 Shaker Road
    $20,000 — Interior renovation

    First Baptist Church
    50 Parker St.
    $2,973,000 — Construction of new fellowship building

    GREENFIELD

    Bete Inc.
    50 Greenfield St.
    $47,000 — Erect a 42x14x45 storage building

    Dimitriou Panagiotis
    256 Federal St.
    $10,000 — Renovate interior of existing structure

    Erin Miner
    469 Bernardston Road
    $2,000 — Remove a non-bearing wall

    Mary Calagione
    285 High St.
    $4,000 — Office renovations

    Town of Greenfield
    Nashs Mill Road
    $5,000 — Rebuild new first aid room

    HADLEY

    Pyramid Mall of Hadley, LLC
    367 Russell St.
    $36,500 — Renovation of two mall restrooms

    Steve Lewis
    184 Russell St.
    $11,000 — Re-roof

    Whole Foods Market
    327 Russell St.
    $20,000 — Install new customer service booth and new express checkouts

    HOLYOKE

    O’C Ingleside LLC
    361 Whitney Ave.
    $200,000 — Build expansion to the Baystate Health Data Center

     

    Windship Enterprises Inc.
    366-372 High St.
    $7,000 — Reline chimney with UL listed stainless steel

    LUDLOW

    Aubie Precision Tool
    54 Moody St.
    $20,000 — New roof

    NORTHAMPTON

    Alan Berkenwald
    38 Mulberry St.
    $5,000 — Construct roof over building walkway

    Coolidge Northampton LLC
    241 King St.
    $6,100 — Create a handicap bathroom

    Gerald & Sandra LaFrance
    29 North Maple St.
    $10,000 — Strip and shingle roof

    LHIC INC
    34 North Maple St.
    $5,000 — Buildout for woodworking shop

    Paul A. Sereo
    63 Center St.
    $19,500 — Remodel unit #1

    Pride Convenience Inc.
    17 Damon Road
    $3,500 — Remove and repair concrete floor

    Robert S. Berniche
    5 Audubon Road
    $2,000 — Construct second-floor means of egress

    Smith College
    17 Prospect St.
    $8,700 — Repair exterior ramp and railings

    WAM LLC
    115 Industrial Dr.
    $672,000 — Construct 16,969-square-foot addition and renovation

    SPRINGFIELD

    3640 Main Street LLP
    3640 Main St.
    $124,000 — New build-out of phlebotomy space

    Garden Park Management Company
    15 Temple St.
    $14,000 — Repair fire damage

    Picknelly Family Partners
    1414 Main St.
    $86,000 — Build-out for Sinclair Insurance

    Sanjo LLC
    150 Taylor St.
    $12,000 — roof renovation

    WESTFIELD

    AeroServistar LLC
    76 Service Star Industrial Way
    $1,550,000 — New distribution center

    Pasquale Cardento
    278-288 Elm St.
    $17,000 — Addition

    Sullivan West Property Group LLC
    39 South Broad St.
    $5,000 — Commercial renovation

    Departments

    Breakfast of Champions

    State legislators and early-education advocates joined with Mass. Department of Early Education Acting Commissioner Amy Kershaw in celebrating the state’s recent passage of ‘An Act Relative to Early Care and Education’ on Sept. 26 at the Springfield YMCA. Pictured with local preschoolers is leading early-education advocate Margaret Blood, founder and president of Strategies for Children Inc., a nonprofit organization based in Boston. Breakfast cereal boxes featuring legislators who supported the early-education law — Champions for Early Childhood — were distributed at the event. Other participants included representatives of Cherish Every Child, the Pioneer Valley Plan for Progress Pre-K and Early Education Strategy Team, and the Western Mass. early-childhood community. A representative of Gov. Deval Patrick’s office also attended. The new law formally establishes the universal pre-K program in the Commonwealth and supports strategies encouraging the early-education workforce to further their education. The act will also overhaul regulations of early-education programs and sites setting health, safety, and quality standards. Cherish Every Child is an initiative of the Irene E. and George A. Davis Foundation and is working to realize the goal for every child entering kindergarten to be ready for school, healthy, and fully prepared for learning success.


    Capitol Ideas

    Last month, 45 area business owners and managers, elected officials and economic-development leaders attended a three-day symposium in Washington, D.C. coordinated by the Affiliated Chambers of Commerce of Greater Springfield and hosted by U.S. Rep. Richard E. Neal. Attendees heard from several speakers, including U.S. Rep. Barney Frank; Speaker of the House Nancy Pelosi; Charles Rangel, chairman of the House Ways & Means Committee; and nationally known columnist and commentator Mark Shields.


    A Big Check, on the House

    Through the efforts of sales associates and employees of the Coldwell Banker Residential Brokerage offices in Belchertown, Chicopee, East Longmeadow, Longmeadow, and Westfield, Coldwell Banker Residential Brokerage Cares, the fundraising arm of Coldwell Banker Residential Brokerage, donated $25,000 to benefit Habitat for Humanity. The funds enabled the Greater Springfield Habitat for Humanity to complete the 171 Cabot St. project. Additionally, the brokerage offices have been supporting the Greater Springfield Habitat for Humanity through a variety of fundraising initiatives and volunteering. Last year, Coldwell Banker Residential Brokerage Cares donated nearly $67,000 to the organization.


    Celebrating Entrepreneurship

    Springfield Technical Community College staged its 9th annual Western Mass. Entrepreneurship Hall of Fame induction banquet on Oct. 2 at the Log Cabin, and announced the launch of the Web site www.eshiphall.org. The event celebrated entrepreneurship in many ways, from videos about the inductees to presentation of the Hall of Fame’s County Achievement Awards, to BusinessWest’s formal presentation of its Top Entrepreneur Award. Above, members of the Class of 2008 pose with the Entrepreneurship Hall of Fame awards: from left, Mark Tolosky, president and CEO of Baystate Health; Esther and Art Jacobson of OMG Inc.; the Samble family of Belmont Laundry; the Sherff family of the Student Prince Restaurant; and the Young family of W.F. Young Co. Below left, BusinessWest Editor George O’Brien, left, presents the BusinessWest Top Entrepreneur Award to John Maybury, president of Maybury Material Handling Company. Below right, County Achievement Award recipients, from left, are William Kristensen Sr. of Hi-Tech Mold and Tool (Berkshire County), Martha Borawski of Pioneer Valley Travel (Hampshire County), Dean Cycon of Dean’s Beans (Franklin County), and Steven Richter of Microtest Labs (Hampden County).

    Sections Supplements
    Bequeath Your Values Along With Your Valuables

    ‘To my daughter, I leave my love of laughter.’ ‘And to my son, I leave my passion for knowledge.’

    As a responsible provider, you want to ensure the future financial stability of your loved ones. As such, you may have already drafted a last will and created an estate plan that transfers your worldly possessions; however, your estate plan should not end there.

    What steps have you taken to ensure that you also pass on your values, ideas, and beliefs? What wisdom and life lessons do you want to share with those you care about? Do you want to be remembered for your values rather than for the possessions you have left behind? If so, you may want to consider drafting an ethical will.

    As the name suggests, ethical wills are the spiritual counterparts to traditional wills that distribute wealth. Ethical wills pass on intangible assets such as blessings, life lessons, dreams, and hopes, as opposed to tangible possessions. While ethical wills are not binding legal documents, they can be an invaluable gift to friends, family members, and other loved ones.

    Although ethical wills have recently gained in popularity, the concept is not new. Medieval models of ethical wills have been found in Jewish, Christian, and Islamic cultures. In the days of illiteracy, last wills were read aloud so that all concerned could hear. Thus, it became common practice to attach one last communication to a captive audience.

    Today, ethical wills are increasingly being created alongside traditional wills as part of the estate-planning process. Like traditional wills, they are often revised to reflect turning points and transitions in the writer’s life, i.e. the birth of a child, a marriage, or end-of-life planning. Additionally, while traditional wills are filed in probate court and become public documents, ethical wills become privately treasured family heirlooms. Indeed, rather than wonder what you might have done in response to a specific situation, loved ones may continuously glean nuggets of advice as they read your ethical will many times throughout various stages of their lives.

    Preparing to draft an ethical will often involves serious consideration of your values and morals, important lessons learned, hopes and dreams for the future, advice to loved ones, invaluable memories, and important events in your life. You may also contemplate themes, such as regrets and forgiveness, personal love, mentors and teachers, cultural beliefs, ancestry, or how you would like to be remembered by others.

    Creating an ethical will does not need to be an individual endeavor. You may choose to review your ethical will with your loved ones. Indeed, by encouraging input from family members, an ethical will may serve as a tool to give those family members insight regarding your wishes and intentions. Thus, the joint process of creating an ethical will serves to promote a cohesiveness that can last well beyond your lifetime.

    Although writing an ethical will is a serious endeavor, it need not be a complicated process. Unlike traditional wills that are bound by statutory constraints, there is no set form or procedure for creating an ethical will. Each ethical will is as unique as the individual that creates it. An ethical will can be a letter to loved ones or to grandchildren not yet born. It may also be a set of instructions regarding the family business or a detailed account of a life journey. It may choose to develop and impart a family mission statement or provide blessings for future generations. Additionally, an ethical will does not need to be limited to writing. It may incorporate multimedia messages, such as photos, drawings, music or videos. Your personal preferences are the only constraints.

    There are various resources available to assist with creating an ethical will, and professionals that specialize in this area will assist you. They may provide individual consultation or writing workshops. They will help you to ascertain what is most important for you to express and then guide you along in the process so that you will be certain to create an ethical will that is a true reflection of you. If you are inclined to work alone, an Internet search will provide a variety of free resources and examples that you may use as you write your ethical will.

    Creating an ethical will forces you to contemplate end-of-life issues, which can admittedly be very difficult; however, this should not be a deterrent, because the benefits of completing an ethical will far outweigh the detriments.

    It will help you gain a great deal of insight into what you really value and, in turn, pass that on to your friends, family members, and loved ones. Bequeath more than your valuables. Create an ethical will and bequeath your values, too.

    Gina M. Barry is a partner with Bacon Wilson, P.C. She is a member of the National Assoc. of Elder Law Attorneys, the Estate Planning Council, and the Western Mass. Elder Care Professionals Assoc. She concentrates her practice in the areas of estate and asset protection planning, probate administration and litigation, guardianships, conservatorships, and residential real estate; (413) 781-0560;[email protected]

    Departments

    The following Business Certificates and Trade Names were issued or renewed during the month of September 2008.

    AGAWAM

    Mutti’s Sheet Metal
    224 North St.
    Gary Mutti

    Northern Electric
    31 Sylvan Lane
    Craig Little

    Sparveri’s Contracting Services
    16 Federal Ave.
    Sean Sparveri

    AMHERST

    Amherst Babycakes
    15 Blue Hills Road
    Elizabeth Hyers

    Umass Bicycle Racing Club
    1057 North Pleasant St.
    Jeffrey Elio

    CHICOPEE

    D & J’s Handyman
    22 Bullens St.
    Jonathan Q. Lamberty

    Da-Vi Nails
    591 Memorial Ave.
    Trinh-Thu-Pham

    Johnny B’s Auto Works
    P.O. Box 4505
    John F. Boryczka Jr.

    PO’s Chinese Restaurant
    480 Burnett Road
    Wai Po Wong

    Social Strikers
    29 Burnett Road
    Linda C. Fitzgerald

    EASTHAMPTON

    Conserve Through Insulation
    7 Kimberly Lane
    Jason Robare

    Full Tilt Auto Body
    69 Ferry St.
    Carlo S. Vega

    GREENFIELD

    Deerfield Valley Heating & Cooling
    301 Wells St.
    Deerfield Valley Heating & Cooling Inc.

    Memorial Banner
    251 Briar Way
    Betty Guetti

    Mt. View Auto Repair
    109 Mohawk Trail
    Bryce Dupsee

    Paroxysm Design
    366 Davis St.
    Jesse Nichols

    HOLYOKE

    Pralines Ice Cream
    50 Holyoke St.
    Serozan Amroliwalla

    Route 5 Motors
    280 Ingleside St.
    Steven B. Vlohiotis

    Spirit Halloween Superstores, LLC
    50 Holyoke St.
    Timothy C. Viechez

    LONGMEADOW

    BOC Construction & Remodeling
    85 Mill Road
    Barry E. O’Connor

    Family Appliance Service
    51 Barrington Road
    Jonathan F. Hastings

    Legacy Property Investments, LLC
    505 Pinewood Dr.
    John Anderson

    Northeast Food Safety
    31 Brookwood Dr.
    David Steinberg

    NORTHAMPTON

    Bottlenose
    40 Main St.
    William Carr

    Fifty Percent Crunchy
    54 Sherman Ave.
    Sam Craig

    Hampden Hearing Center East
    200 North Main St.
    Susan B. Chunyk

    Okapi Imprint Press
    177 Prospect St.
    Jacob Ditkouski

    Top Vision
    2 Water St.
    Mamadou Ndiaye

    VNA & Hospice of Cooley Dickinson Inc.
    168 Industrial Dr.
    Ann C. Careaur

    PALMER

    J Home Improvements
    4 Maple Ter.
    Josef Nicpon

    J.E.M. Services
    58 Quaboag Valley
    Jerry E. Mange Jr.

    Local Building & Remodeling
    4212 Church St.
    Anthony M. Robitaille Sr.

    NRK Books
    1164 Ware Road
    Nancy R. Kerigan

     

    SOUTH HADLEY

    Da Athletic Development, LLC
    18 Kimberly Dr.
    David Allen

    Greensolarsystems.com
    303 River Road
    Michael Wallace

    Top Hat Chimney
    26 College View Heights
    Dale Smith

    SOUTHWICK

    Dubl-Jay Farm
    26 College Highway
    Jack Feldman

    Hart Interiors
    304 Granville Road
    Rebecca Hart

    Malin Cannon
    515 College Highway
    Malin Cannon

    SPRINGFIELD

    A & J Enterprises
    25 Armory St.
    Angel M. Navedo

    Banchs Towing
    149 Rocus St.
    Lillian Banchs

    C & R Auto Glass
    50 Leete St.
    Carlos Colon

    Children of Light Learning
    430 Island Pond Road
    Shoshana Malone

    Cross-Spectrum Laboratories
    114 Sunnybrook Road
    Herbert Singleton Jr.

    Essentials Clothing
    357 Cottage St.
    James A. Mabry

    Exodus Entertainment, LLC
    15 Starling Road
    Maurice Rowtham

    Fab & Fash Boutique
    121 Glenmore St.
    Reagan Ali

    Finishing Touch Painting
    39 Sierra Vista Road
    Joseph Caracciolo Jr.

    From the Ground Up Entertainment
    1655 Main St.
    Ty Jermaine Ingarm

    HL Cleaning Services
    536 Union St.
    Herth L. South

    Ill Skillz Entertainment
    744 Bradley Road
    Desmond O. Walters

    J.T. Home Improvement
    109 West Alvord St.
    John Thornton

    Joakin Auto Glass & Towing
    24 Park St.
    Joaquin Rodriguez

    Khoury Photography
    34 Front St.
    Joe Khoury

    Linda & Alax General Services
    318 Eastern Ave.
    Linda June

    Moe’s Lawns
    11 Highland St.
    Anthony Stewart

    WESTFIELD

    B & D’s Collectible & Sports
    79 Main St.
    David Herrick

    CFB’s Farrier Service
    189 Honey Pot Road
    Cary F. Bedor

    I Wireless
    82 Main St.
    Thanh Ngoc Tong

    Q & T’s Dependable Cleaning
    780 Montgomery Road
    Tia Boisseau

    WEST SPRINGFIELD

    Aaron Associates
    38 Clyde Ave.
    Richard Galarneau

    Chavez Construction
    43 Roanoke Ave.
    Andres Chavez

    Cooper Works Services
    93 Charles St.
    Ricky R. Cooper

    Manny’s Wireless
    1380 Elm St.
    JMC Wireless LLC

    Michael’s Tree Service Inc.
    720 Memorial Ave.
    Michael Christoblous

    Platinum All-Stars
    47 Nonotuck Road
    Amy Ruelle

    RC & Associates
    2003 Riverdale St.
    Casey Roncalli

    Sullivan Services LLC
    351 Morgan St.
    John Sullivan

    Departments

    Dinner Lecture

    Oct. 14: Author Joel Barker will present “You Can and Should Shape Your Own Future, Because If You Don’t, Someone Else Surely Will” from 5 to 9 p.m. at the Log Cabin Banquet & Meeting House in Holyoke. The dinner forum is hosted by the UMass Amherst Family Business Center. Barker will explain how to create ‘extreme’ partnerships to transform your company and product; how your senior leaders can continuously explore trends, innovations, and paradigm shifts; and how to better anticipate and deal with the effects of change. In addition to Barker’s presentation, an educational talk on how to be a savvier user of expert advisors will be presented by the law firm of Bulkley, Richardson and Gelinas LLP. For more information, call Ira Bryck at (413) 545-1537, or E-mail [email protected].

    WNEC Seminar

    Oct. 15: Western New England College in Springfield will host “Planning for Retirement Benefits: A Morning with Natalie Choate” from 8:30 a.m. to noon in Rivers Memorial Hall. The seminar is aimed at legal, accounting, and financial services professionals, exploring developments and trends in retirement benefits, trusts, and estate planning. Choate is a Boston-based estate-planning lawyer and the author of Life and Death Planning for Retirement Benefits and The QPRT Manual. The program qualifies for three CLE and CPE credits and costs $75. For more information or to register, call (413) 796-2260 or (800) 325-1122, ext. 2260.

    Managing Business in a Down Economy

    Oct. 16: A workshop for business owners titled “Managing Your Business in a Down Economy” will be offered from 9 to 11 a.m. at the Andrew M. Scibelli Enterprise Center, 1 Federal St., Springfield. The workshop, presented by a panel of experts from various business segments, is sponsored by the Mass. Small Business Development Center Network. The cost is $40. For more information, call (413) 737-6712 or visit www.msbdc.org/wmass.

    Entrepreneurship Conference

    Oct. 17: “Entrepreneurship in a Global Economy” will be presented by the Law and Business Center for Advancing Entrepreneurship of Western New England College, Springfield, from 8:30 a.m. to 4:15 p.m. in the S. Prestley Blake Law Center, Room D. The cost is $50 per person. The discussion topics will include “Environmentalism & Entrepreneurship,” “Globalization & Entrepreneurship,” “Finance & Entrepreneurship,” and “Politics and Entrepreneurship.” Dean Cycon, owner of Dean’s Beans Organic Coffee, will be the luncheon keynote speaker. Cycon is a leader of the American fair trade coffee movement. For more information or to register, contact Aimee Griffin Munnings at (413) 796-2030 or via E-mail to [email protected].

    Women’s Movement Discussion

    Oct. 23: L. Kay Wilson, attorney, coach, and motivational speaker, will moderate a discussion titled “Women, Power & Influence: Do We Still Need a Women’s Movement?” at 2 p.m. in Mills Theatre, Carr Hall, Bay Path College, Longmeadow. The program is part of the Kaleidoscope series at Bay Path. Panel members will discuss the roots of the women’s movement, the perspective of young women today, and next steps for expanding the influence of women in our communities, companies, and government. Panelists are: Dr. Regina Barreca, professor of English at UConn, best-selling author, and nationally recognized feminist comedienne; Dr. Carol Leary, president, Bay Path College; Laurie Rosner, senior vice president, Rockville Bank of Connecticut; and Ann Young-Jaffe, program manager, Aetna’s consumer segment. The program is free to the public.

    Meet the Authors

    Oct. 23: The Women’s Partnership, a division of the Affiliated Chambers of Commerce of Greater Springfield Inc., will host its annual scholarship fund-raising event, Meet the Authors, from 5 to 7 p.m. on the Elms College campus in Chicopee. Tickets are $10. Authors will include Joseph J. Ellis, Corinne Demas, Suzanne Strempek-Shea, and Lesléa Newman. Jane Dyer, an illustrator of numerous books for children, will also be on hand to sign books. For more information, contact Diane Swanson at (413) 755-1313. All proceeds raised from the event will benefit the Women’s Partnership Scholarship Fund.

    Super 60 Award Luncheon

    Oct. 24: The Affiliated Chambers of Commerce of Greater Springfield Inc. will fete its winners of the annual Super 60 Award in the categories of revenue growth and total revenue beginning at 11:30 a.m. at Chez Josef in Agawam. William Rand Kenan Jr., professor and director of the Urban Investment Strategies Center at the University of North Carolina Chapel Hill, will deliver the keynote address. For more information, call (413) 755-1316 or visit www.myonlinechamber.com.

    Creating Business Plans

    Oct. 30: The Mass. Small Business Development Center Network will present “Your First Business Plan” from 9 to 11 a.m. at the Franklin County Chamber of Commerce, 395 Main St., Greenfield. The workshop will focus on management fundamentals from start-up considerations through business-plan development. Topics will include financing, marketing, and business planning. The cost to attend the workshop is $35. For more information on the event, call (413) 737-6712 or visit www.msbdc.org/wmass.

    Building Entrepreneurs

    Nov. 7: Titled “Empowering a New Generation of Entrepreneurs,” the fourth annual Grinspoon, Garvey & Young Entrepreneur Conference for college students in the Pioneer Valley will take place from 8 a.m. to 2 p.m. at the MassMutual Convention Center in Springfield. Coordinated by the Harold Grinspoon Charitable Foundation’s Entrepreneurship Initiative, the event will feature an entrepreneurship and resource exhibit and interactive breakout sessions on the following topics: “Chronicles of a New Entrepreneur: the Early Days,” “The Art of the Pitch,” “Start, Grow, Succeed … with the Help of the SBA,” “The Next Big Idea,” and “Invention to Venture: the Making of a Technology Company.” The conference fee is $150, and scholarships are available. To register or for more information, contact Brenda Wishart at (413) 454-3109, or by E-mail at [email protected].

    City of Bright Nights Ball

    Nov. 15: A Japanese garden setting — complete with tea house — will set the mood for the 2008 City of Bright Nights Ball in the Grand Ballroom at the Sheraton Springfield-Monarch Place. The black-tie event features a gourmet dinner with the flavors of Japan, dancing, and the chance to win and purchase a variety of gift items. Tickets are $500 per couple, and tables of 10 are available for $2,500. For more information, visit www.spiritofspringfield.org or call (413) 733-3800.

    Opinion

    They’re calling it ‘Union Station II.’

    That’s the name some officials and observers have attached to the latest plan to revitalize the long-idle train station in Springfield. The ‘II’ fits if one considers this to be the sequel to a plan that was conceived more than a decade ago — one that never really got off the ground, for many good reasons — but the reality is that this is more like Union Station IV, V, or VI.

    That’s how many proposals, formal and informal, have been forwarded for this white elephant since the mid-’70s, and none of them have gotten off the ground.

    And speaking of reality, that’s what Union Station II (OK, we’ll call it that) is supposedly grounded in. At least it’s more realistic that Union Station I, say those involved with piecing this together. But that’s not saying much.

    Indeed, the plan first conceived in the mid-’90s and then formalized at the start of this decade included an intermodal transportation center, but also grandiose plans for everything from a high-end restaurant to an IMAX movie theater to Class A office spaces that would offer lease rates about half again what was being charged in the downtown office towers. Springfield was going to recreate what happened with Washington’s Union Station and Boston’s North Station, both huge success stories.

    But there was no real market for any of this, and the plan was ultimately scrapped while the Pioneer Valley Transit Authority sorted out a huge internal mess that ultimately led to the firing of its director.

    Now, we have Union Station II, new, improved, scaled down, more realistic — all of that. But this plan still doesn’t make a great deal of sense for Springfield and still seems like a desperate attempt to salvage a building that no one under the age of 60 can probably remember well or with any fondness.

    Apparently, the main reason it is being redeveloped is because the city has secured tens of millions in federal funding to do so. This money can’t be applied somewhere else, and if we don’t use it, we lose it, as the saying goes. But that’s not enough reason to go ahead with this project, as we see it.

    There are plans — again, formal and informal — to move organizations ranging from the PVTA to the Pioneer Valley Planning Commission (PVPC) to Square One into Union Station, thus filling a large chunk of the available office space there. Meanwhile, an intermodal transit center would be created to handle Amtrak service as well as inter- and intra-city bus services. A large parking garage is also in the mix.

    It’s not a bad plan overall, but one has to ask whether it’s needed or even wanted.

    There are probably dozens of privately and publicly owned office buildings in downtown Springfield alone that could easily meet the needs of the PVPC (currently located in West Springfield Town Hall), PVTA (administration-wise, anyway), and Square One, and would love the opportunity to do so. The federal building is vacant, Tower Square’s lower level is a ghost town, One Financial Plaza has more than 100,000 square feet of dark space … the list goes on. Meanwhile, the PVTA already has administrative offices, and there is a functioning intermodal transportation center (Peter Pan’s facilities) on the other side of Main Street.

    Economic development does not mean picking up existing businesses and organizations and moving them a few blocks or a few miles — thus creating vacancies in a host of other buildings. Rather, it means attracting new businesses and new jobs. Aside from construction jobs, this Union Station plan doesn’t accomplish that.

    As we said, Union Station II is more plausible, more realistic than Union Station I. But from our view, it still amounts to little more than an effort to force the issue — in this case restoration of a landmark that most have forgotten and that some simply don’t want to forget.

    Union Station is an intriguing link to Springfield’s past. There is history and a touch of romance there. But bringing the old train station back to life has to be about more than nostalgia and spending federal dollars that no one wants to give back.

    It all has to make sense. And Union Station II, or whatever number we’re up to, is still lacking in that department.-

    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

    Belmont Laundry Inc. v. Prospect Lawn
    Allegation: Breach of contract: $7,043.40
    Filed: 9/10/08

    GREENFIELD DISTRICT COURT

    Janine Boudreau Health Care Inc. v. Anchorage Nursing Home
    Allegation: Non-payment of billing services rendered: $12,000
    Filed: 9/23/08

    HAMPDEN SUPERIOR COURT

    Darlene Marchand v. Thomas Kaye M.D., Catherine Dutton R.N., Patricia Kress S.T., Judith Stacy R.N., & Valley Neurological Surgery, P.C.
    Allegation: Medical malpractice: $25,000
    Filed: 8/28/08

    Dr. Vijai B. Pandey v. Liberty Mutual Insurance Company
    Allegation: Breach of contract: $250,000
    Filed: 9/11/08

    Ludlow Construction Co. Inc. v. City of Marlborough
    Allegation: Non-payment of services rendered: $31,319.30
    Filed: 8/21/08

    Tom Ferreira v. Stop & Shop Supermarket, LLC
    Allegation: Slip and fall: $38,571.94
    Filed: 9/23/08

    HAMPSHIRE SUPERIOR COURT

    Darren D. Powell and Paul S. Bargreen v. Russell St. Realty Corp.
    Allegation: Breach of settlement agreement: $200,000
    Filed: 9/15/08

    Matthew & Jennifer Massengil, as parents of Ellinor Massengil v. Joseph E. Lellman M.D., New England Orthopedic Surgeons, and Charles L. Bernstein M.D.
    Allegation: Misdiagnosis of hip dysplasia requiring corrective surgery: $135,000
    Filed: 9/29/08

    NORTHAMPTON DISTRICT COURT

    Berkshire Design Group Inc. v. Valley Planning Inc.
    Allegation: Non-payment of professional services rendered: $23,769.36
    Filed: 9/23/08

    Berkshire Design Group Inc. v. Tomlinson Builders
    Allegation: Non-payment of professional services rendered: $12,214.87
    Filed: 9/23/08

    Krisen Day v. Fraternal Order of Eagles of Northampton Inc.
    Allegation: Plaintiff seeks return of real-estate deposit because of title defect: $20,000
    Filed: 9/29/08

    PALMER DISTRICT COURT

    Kathy Lucas v. BNC Countertops Inc.
    Allegation: Breach of contract in counter installation: $4,643.63
    Filed: 8/28/08

    SPRINGFIELD DISTRICT COURT

    Arch Aluminum & Glass Company Inc. v. Hampden Structural Systems d/b/a Private Garden, Joseph and Katherine Hickson
    Allegation: Non-payment of goods sold and delivered: $7,981.15
    Filed: 9/16/08

    Palazzesi Realty v. Pet Resorts International, LLC
    Allegation: Failure to pay rent: $6,600
    Filed: 9/19/08

    Sections Supplements
    Make Smart Decisions to Protect Your Liability and Tax Status

    Protection of assets is never more relevant than in times of economic uncertainty. While the local economy has not been as affected by the burst of the housing bubble as the national and international markets, times of economic uncertainty always force current and prospective business owners to ask themselves which form of business entity best meets their needs. Some of the choices available are: sole proprietorship, general partnership, limited partnership, limited-liability company, and corporation.

    So, which entity type is best for your company? The short answer is: It depends.

    It depends on factors such as the assets to be held by the business entity, the number of individuals, if any, employed by the company, the type of business to be conducted by the entity, whether the entity will issue shares of stock, and how many, just to name a few. Ask any attorney, and his or her first concern will be limiting the personal liability of the principals of the business. Ask any accountant, and her first concern will be preferred tax treatment.

    Fortunately for current and would-be business owners, these two concerns are not mutually exclusive. In fact, the two principles can be combined in a number of different ways, depending on the individual needs of the business.

    In addition to the two tax and liability concerns outlined above, other factors that must be considered when deciding which entity is right for your company include ownership structure, capital structure, management structure, ease and cost of formation, and exit strategies.

    Here’s a look at the options and what to be thinking about with each one.

    Sole Proprietorship

    The sole proprietorship is the most common, most cost-efficient, and easiest-to-start form of business entity. To form a sole proprietorship in Massachusetts, one need only file a d/b/a or ‘doing business as’ certificate in the town clerk’s office of every city or town in which the sole proprietorship will operate. That said, none of these should be a determining factor when choosing which entity to form.

    In fact, a sole proprietor and his or her business are one in the same. That is, the personal liability of the sole proprietor is limited only by the assets he or she owns. In addition, business succession is impossible when dealing with a sole proprietorship because the entity terminates automatically upon the death of the sole proprietor. While there are tax advantages to a sole proprietorship, in that the individual is taxed on his or her personal income, as opposed to the double taxation of corporations as discussed below, this advantage, along with ease of formation and cost savings, rarely outweigh the potential exposure to unlimited liability.

    General Partnership

    A general partnership is much like a sole proprietorship in that no organizational documents are required to form a general partnership, and liability is unlimited. In fact, each partner is not only liable for his or her own actions, or inaction, he or she is also liable for the actions, or inaction, or his or her partner(s), also known as joint and several liability. While liability for the acts of one’s partners can be limited through the use a of well-crafted partnership agreement, the individual partners will always be liable for their respective actions.

    Absent the existence of a partnership agreement to the contrary, each partner in a general partnership will have equal control over the governance and day-to-day operations of the business. In addition, and much like the sole proprietorship, the general partnership does not pay taxes on any of its income; instead, each partner is taxed personally. Normally, withdrawal of a partner, bankruptcy, or death of a partner will terminate a general partnership.

    Limited Partnership

    Unlike the sole proprietorship and general partnership, in order to form a limited partnership in Massachusetts, you must file a certificate of limited partnership with the secretary of state’s office. Also unlike a general partnership, in which all partners are general partners, the limited partnership is made up of both general partners and limited partners.

    While the general partners may have the same personal liability as found in the general partnership model, the liability of each limited partner is limited to the amount of his or her initial investment. The tax treatment of the limited partnership is the same as that of the general partnership — each partner is taxed individually.

    Limited-liability Company

    In order to form a limited-liability company (LLC), you must file a certificate of organization with the secretary of state’s office. In addition, an annual report must be filed with the secretary of state on or before the anniversary of the original filing. With the advent of the LLC came a more complete blending of the limited liability offered by a corporation (discussed later) and the ‘pass-through’ taxation of the sole proprietorship and various partnership relationships.

    In addition, the LLC offers its principals the ability to customize the powers given to its members. For example, the LLC offers the ability to distribute profits and losses disproportionately to the respective membership interests of its members. This can be a very effective tax-planning tool. The document that will dictate the voting rights of members, the number of managers, and the roles of each member is the LLC’s operating agreement. A well-integrated operating agreement is often the difference between an LLC that reaches its full potential and one that simply exists. The LLC is managed by one or more managers, who need not be members of the LLC.

    Corporation

    The corporation is perhaps the most widely recognizable business entity. That said, most people do not realize that there are two different types of corporations to choose from — the C corporation and the S corporation. The differences between the two are largely functions of tax treatment, the number of shareholders each may have, and the classes of stock that may be offered by each.

    Both the S-corp and C-corp are owned by the shareholders, managed by a board of directors, and operated on a daily basis by a slate of officers. In order to form a corporation, you must file articles of organization with the secretary of state’s office. In addition, annual reports must be filed with the secretary of state’s office within two and a half months of the close of the corporation’s fiscal year, and annual meetings of the shareholders and directors must occur annually.

    The S-corp functions much like an LLC. That is, it offers the tax advantages of pass-through taxation while also offering limited liability to its shareholders, officers, and directors, except in limited circumstances.

    The C-corp, while also offering limited liability to its shareholders, officers, and directors, except in limited circumstances, is double-taxed, meaning the corporation is taxed at the corporate level when income is earned and again when the respective shareholders receive a distribution. The major advantage of the C-corp over the S-corp is that, unlike the S-corp, the C-corp may have an unlimited number of shareholders and different classes of stock. Both of these are important considerations when a business is seeking to raise capital via venture capital or angel investors.

    While this article is merely a summary of the most common business entities from which to choose, it’s easy to see that one size does not fit all. In fact, you can only decide which entity will be most beneficial to your business through careful consideration and consultation with your tax-planning professional, attorney, and other business planning professionals.

    The good news is that, if you have an existing business, and after reading this article you are questioning whether or not you have chosen the right entity for your business, you are not necessarily locked into your current entity. Many of these entities can be converted, with some exceptions, to a more beneficial entity for your business.v

    Dennis G. Egan Jr. is an associate with the regional law firm of Bacon Wilson, P.C, specializing in business and corporate law; (413) 781-0560;[email protected]

    Sections Supplements
    Memory Care Poses Specific Challenges for Assisted-living Residences
    Lois White (center), with Wendy Murakami (left) and Laurie Kenney

    Lois White (center), with Wendy Murakami (left) and Laurie Kenney, says the Garden at Ruth’s House offers its residents more help than the general assisted-living population — and their own slate of activities.

    It’s more than free groundskeeping.

    Laurie Kenney, director of residential care at Ruth’s House, recalled a man who had loved working in his garden when he lived independently. So an area was cleared for him outside the assisted-living home to tend a garden. For someone with Alzheimer’s disease, she said, that kind of connection to one’s past can help keep the mind as sharp as possible.

    “With Alzheimer’s or dementia, it’s important to keep the mind active,” added Lois White, executive director of the East Longmeadow facility, one of several assisted-living complexes in Western Mass. to offer a specialized program for residents with memory diseases.

    The program at Ruth’s House is called the Garden — appropriately enough for the man with the green thumb — and it’s a separate level of care than normal assisted living. It’s not nursing care, because assisted-living facilities are barred by state regulations from providing that, but reflects the additional struggles people with dementia or Alzheimer’s face with daily tasks.

    “The residents in the Garden neighborhood need more support, directions, reminders, more one-on-one help,” said White. “They definitely require more care than our other residents do.”

    Ruth’s House isn’t alone; the model of a memory-care program within a general assisted-living setting is one that’s gaining momentum throughout the region and nationwide.

    “We’re assisted living, and everyone receives a certain level of care, but there’s another level of care, a higher level,” said Mary Phaneuf, director of marketing for the Arbors, a chain of four assisted-living homes, all with a distinct memory-care unit called Reflections.

    “Someone might assume that higher level of care is nursing care, but it absolutely is not,” she continued. “The difference is, it’s a structured, no-fail environment. What that means is that folks with memory impairment have difficulty initiating activities, always feeling, ‘what do I do next? What’s happening?’ We try to prevent those feelings of anxiety by structuring the day for them.”

    And it’s not a one-size-fits-all approach, Phaneuf added. “We have a program director whose job it is to get to know each individual personally and design a program around their needs and their hobbies, what they would enjoy doing. They basically get them in a program from morning to early evening that’s structured with their needs in mind, and try to eliminate feelings of loneliness, confusion, and fear.”

    In this issue, BusinessWest examines the benefits and challenges of memory care in assisted living, and why it has many residents and families a lot less anxious.

    Peace of Mind

    Staying involved in different forms of activity in order to keep the mind sharp has been a hot topic in Alzheimer’s circles for the past few years, and Kenney said she has seen the benefits first-hand.

    “When residents move in, we do a mini-mental test that measures their cognitive abilities and impairments,” she said. “After six months, they generally improve on it. That’s because they don’t have the structure at home; they don’t do enough. Here, they’re stimulated and have that structure they need to keep their minds going.”

    White agreed. “If you take someone with Alzheimer’s or dementia and keep their mind active and keep them engaged socially, they will in many cases have a slower decline; it does kind of stave off the progression for awhile,” she said. “If you’re an older person and you’re closeted in your home or apartment, just watching TV and not engaging in life, your mental status will deteriorate faster.”

    That goes for all seniors, she noted, but it does pose a greater challenge to those with memory diseases, and it’s why assisted-living facilities tend to create a separate, intensive activity program for their memory-care residents. “You have to keep their minds engaged, keep them learning.”

    Still, programs like the Garden and Reflections, while keeping their own activity regimen, do encourage residents to mix with the general population for many occasions, such as birthday parties, entertainment events, and even some day trips.

    Wendy Murakami, wellness coordinator for the Garden at Ruth’s House, said the ‘use it or lose it’ maxim applies strongly to the dementia population. “I think the goal for them is to maintain their function,” she said — “not necessarily to make gains, but at least to keep their quality of life.”

    These goals are much easier to reach within such a structured environment, White said, noting that the most well-intentioned families can’t possibly keep their loved ones occupied in meaningful activities throughout the day.

    “Family caregivers are kind of the unsung and often unpaid heroes in this because they give up careers, they spend their own finances and resources, they often don’t have a lot of support and help,” she said. “So assisted living is intended to be a partnership between the resident, the family, the doctor, and the facility. It takes a lot off the family caregiver and allows them to be a son, daughter, or grandchild, because they know we’re taking care of safety and meals, and checking in on Mom to make sure she’s OK.”

    That’s true of any resident in assisted-living care, but moreso for Alzheimer’s and dementia patients, who need more attention at a level that’s usually extremely difficult to provide if they live in their own home.

    “It’s hard to find someone to be with your parent 24 hours a day,” White added. “It’s even hard to find a private-duty nurse to make that commitment. That’s where we come in.”

    Asking the Right Questions

    Hyman Darling, an attorney with Bacon Wilson, P.C. in Springfield who specializes in elder care issues, told BusinessWest that no two assisted-living facilities are the same.

    “You want to find a place that meets the needs of the client,” he said — and those needs are highly individualized from resident to resident.

    “Some places assist with feeding,” he continued. “Some have higher levels of client care. Some let you pay additional caregivers to come in, while some only allow you to use their own. Some facilities don’t like people taken our overnight or on vacations and make a rule against it, while some allow a client to leave the premises if they’re signed out properly.”

    According to the Fisher Center for Alzheimer’s Research Foundation, an advocacy group, families interviewing assisted-living facilities should look for specific elements in a memory-care program, including:

    • A structured routine for residents in comfortable, familiar, and safe surroundings;
    • A compassionate staff that takes time to gather specific lifestyle information about residents in order to individually cater to their needs;
    • Activities that reflect the routines that each individual resident has established over a lifetime, and that help people succeed at familiar tasks, whether it is making their bed or baking cookies, giving them a feeling of satisfaction and productivity;
    • A slate of outdoor activities, such as secured walking paths and waist-high gardening boxes for people to do their own gardening without bending over;
    • A proven ability to deal with difficult situations and behaviors, and stated examples of how the staff deals with them; and
    • An emphasis on preventing wandering.
    • That last point is an important one, Phaneuf said, because people with dementia often become confused as to their surroundings, and that confusion can be exacerbated at night when fewer people are around. Therefore, the memory community is secured to prevent wandering.

      “Some people use the word ‘lockdown,’ but I don’t like that,” Phaneuf said. “They’re not locked in; they can come and go as they please, with an escort. I like to use the term ‘secure.’ They’re living in an environment where they won’t wander out the door in February at 2 in the morning.”

      Meeting a Need

      Assisted living has been around only 25 years or so, said White, and has transformed the way older people are cared for — particularly those who struggle somewhat to live independently, but don’t yet need nursing-home care. Models like Ruth’s House and the Arbors — and other facilities in the region, such as Landmark at Monastery Heights in West Springfield and Reed’s Landing in Springfield — that add memory care to the mix are becoming attractive options.

      Part of the reason is the ability to provide a continuum of care, White said. While some residents are immediately placed in the Garden, others move there from the general assisted-living population at Ruth’s House, meaning families don’t have to find another home for their parent or grandparent when their dementia progresses.

      “Nursing homes serve their purpose, and they do a good job for people who need skilled nursing,” Phaneuf said. And, of course, many residents eventually do need specialized nursing care, and have to leave assisted living.

      “But many people in the early stages of dementia don’t need skilled-nursing care — not yet, anyway,” she continued. “They just need someone to help them, and provide them with a comforting environment, give them opportunities to develop friendships and enjoy life. And that’s what we do.”

      Joseph Bednar can be reached at[email protected]

      Sections Supplements
      Pinocchio’s Ristorante Gets a Fresh Start in Three Rivers
      Pinocchio’s[/caption]

      The sign above the bar at Pinocchio’s Ristorante says it all.

      “Lasci il buon rullo di periodo,” it reads. The translation? “Let the good times roll.”

      It’s something Chris Brunelle actively keeps in mind as he attends to the day-to-day details of the business he loves — because the past few years, by and large, have not exactly constituted what would be considered good times.

      That’s mainly due to a fire in 2005 at a neighboring tanning salon that forced him out of the downtown Amherst location where the restaurant had operated since 1978 (Brunelle bought it in 2000). With bills piling up and insurance claims turning into a nightmare, he had to find another location — and he did, reopening in the Three Rivers section of Palmer in February 2007.

      “Being from Western Mass., I know that Three Rivers borders three of the top-five fastest-growing communities in Western Mass. in Belchertown, Ludlow, and Wilbraham,” Brunelle noted. “Plus, we have a Mass Pike entrance nearby.”

      He and his partner, Tom Decosmo, kept the Italian focus, especially emphasizing Northern Italian cuisine, but also decided to make the eatery a little less formal to attract families and other casual-minded diners.

      “We didn’t want it to just be a place to go for a special event, like a birthday or an anniversary,” Brunelle said. “We wanted people to take their family to dinner here and feel comfortable.”

      From the time of its reopening, he told BusinessWest, the restaurant has been well-received. “The biggest thing we have going for us is our name recognition,” he explained. “Being in the Valley for 25 years, that was a big plus.”

      At the same time, he knows the new site won’t pull in the $2 million annually Pinocchio’s regularly chalked up in Amherst — that facility had the benefit of size (50 more seats than the new spot) and some 30,000 college students nearby, as well as their parents on weekends.

      But he hopes a family-friendly atmosphere and quality food will keep a new crowd coming — and so far, he’s cooking up a promising second act.

      From Pins to Pasta

      Actually, Brunelle isn’t cooking anything. He says he doesn’t even pretend to know how to cook, leaving that to his head chef, Santa Saravio, and focusing instead on growing and marketing the restaurant. It’s a role he has relished since coming on board eight years ago.

      “I was in the 10-pin bowling business and had an opportunity to be a partner in the restaurant,” Brunelle said. “Coming from a people-oriented business, it was an easy transition into the food business. It’s all about managing people.

      “It may sound cliché,” he continued, “but you have to believe in what you sell. I love food, and I like being around food and people, so it was a natural fit.”

      Soon after he joined the business, he launched Pinocchio’s To Go, a natural offshoot of the takeout business already being offered in Amherst. The ‘To Go’ locations — which now number five, in Amherst, Springfield, Wilbraham, Ludlow, and the Three Rivers flagship — emphasize quicker fare like pizza and calzones, but allow people to pick up full meals on the run as well.

      More importantly, the ‘To Go’ locations kept the Pinocchio’s name in the public consciousness for almost two years between the Amherst fire and the Three Rivers relaunch.

      The new site had been a restaurant and bar since the mid-1950s, and even today maintains some of its vintage architecture, such as the arch metal awning out front and the entryway lined with glass blocks. “We wanted to keep some of the ’50s characteristics,” Brunelle said.

      Pinocchio’s didn’t change its culinary emphasis with the move. “We still sell a lot of fish and seafood dishes, a lot of different variations of meat dishes, and pasta and risotto. The idea is to have fine Italian cuisine at family prices.”

      Indeed, the extensive menu seems to have something for any taste, such as ‘Penne Rompicapo,’ with grilled salmon, fresh spinach, artichokes, roasted red peppers, and capers; ‘Filetto Tartufato,’ a marinated fillet of beef wrapped in prosciutto with a black truffle cognac reduction; and classic chicken preparations like parmigiano, francese, and marsala.

      Meanwhile, the risotto options include ‘Pescatore,’ with clams, mussels, and shrimp in white wine sauce over saffron lobster risotto; and ‘Veneziana,’ which marries grilled chicken, porcini and portabella mushrooms, broccoli, tomatoes, and smoked mozzarella and parmesan cheese.

      The To Go menu strips down those options somewhat, Brunelle said, but retains many of the same entreés, pasta, and gourmet pizzas, adding sides like cheese sticks and french fries.

      “People like the To Go concept, and they like that we have such a wide variety of food,” he added. “Two of the locations are primarily college-based, and the others have been placed in more family neighborhoods.”

      Fire Escape

      The book isn’t closed on Amherst by any means, said Brunelle, who still struggles with insurance companies over compensation for the event which caused about a closet-sized patch of fire damage in the restaurant but enough smoke damage to shut the doors for good.

      “We’ve been tortured by insurance companies, and there’s a lot of lawsuits that still haven’t been settled,” he said. “So we had a lot of risk out there, and we were forced to reopen. I have to keep our name recognition strong. I’m still a victim in this.

      “We’ll never do the numbers here that we did in Amherst,” he added, “but it is what it is, and we’re going forward.”

      Not that he minds.

      “I truly enjoy being around people, and this business is definitely something to be proud of,” Brunelle said. “My kids are proud to come here, to work here and eat here. And we do a lot in the community.”

      Among those efforts are quarterly Italian wine dinners, from which Pinoc-chio’s donates 20% of its proceeds to the Baystate Children’s Hospital.

      “We’re constantly doing events and donate a lot of food to different charities in the area,” he said. “I like being a part of the community — I live in this community, and I really like the people.

      “It’s a good business to be in,” Brunelle added. “You feel good about yourself when you can go home at the end of the day having made other people happy.”

      Joseph Bednar can be reached at[email protected]

      Sections Supplements
      Nuvo Bank Gets Down to Business
      Nuvo Bank President Jeff Sattler, left, and Chairman and CEO Jim Gardner.

      Nuvo Bank President Jeff Sattler, left, and Chairman and CEO Jim Gardner.

      Perhaps a year behind the original timetable, Nuvo Bank, the region’s first new bank in more than 20 years, is set to open its doors. Principals Jeff Sattler and Jim Gardner acknowledge the skeptics who say this isn’t the place — ultra-competitive Western Mass. — or the time to be opening a new financial institution. But they believe they have a product and an operating mindset that will prove those skeptics wrong.

      Jeff Sattler says Nuvo Bank will have a commercial-lending limit of roughly $1.2 million per transaction.

      That will cover maybe 65% to 70% of the requests for this region, said Sattler, president of the region’s newest bank and a long-time commercial lender with TD Banknorth. “That represents the meat and potatoes of this market, and means we can handle the needs of nearly all the small businesses in this region.”

      Sattler and Jim Gardner, chairman and CEO of the bank set to open its doors in Tower Square next month and also a long-time bank administrator, know all about the needs of small-business owners — and also the challenges, headaches, frustrations, expectations, hopes, dreams … all of that.

      That’s because they’ve lived that life for the past few years and continue to live it today.

      It was early in 2006 when they first started laying the groundwork for the region’s first new bank in more than 20 years, and to say that there have been hurdles to overcome on the way to the traditional ribbon-cutting ceremony would be a huge understatement. The timetable for opening the facility has been pushed back several times as the partners worked to raise the requisite capital for the venture — a task made more challenging by factors ranging from a softening of the economy to competition from other financial institutions seeking the attention and dollars of investors.

      Meanwhile, there have been the typical issues with getting the physical space ready for prime time, as well as other matters, such as gaining some flexibility with parking regulations downtown (they’ve secured several metered spaces on Bridge Street), finalizing a business plan, and putting a marketing and advertising strategy into place.

      “We certainly have a great appreciation for what small-business owners go through because we’ve been through it all ourselves,” said Sattler, adding that he and Gardner intend to use those learning experiences to grow Nuvo’s portfolios of business. “In the end, I think that will only make us more responsive to our customers, and better able to serve them.”

      Almost all of the hurdles are now in the rear-view mirror, and the entrepreneurs who have been relegated to using the future tense — about what they hope and plan to do — for far longer than anticipated can now finally use the present tense and discuss what they are doing.

      Indeed, while the final touches are being applied to the once-cavernous space in the northeast corner of Tower Square, Sattler and Gardner are already doing business. They’ve written a few commercial loans to date, with many of the parties earning somewhat distinctive designations. One obviously became the first customer, said Sattler, while another was soon awarded at least temporary status as the institution’s largest customer.

      Such levity will soon be the stuff of nostalgia, quickly supplanted by the day-to-day rigors of operating a bank, said the partners, but what will continue is a mindset to make each customer feel in some way special.

      This is part of an operating model designed to change and enliven the banking experience, said Gardner, who also emphasized connections to the community.

      In this issue, BusinessWest looks at the highly anticipated opening of Nuvo Bank, and what the partners are expecting as they enter — finally — what is an ultra-competitive banking environment in Western Mass.

      Accounting Class

      As they gave BusinessWest a tour of their bank-in-progress several weeks before the scheduled opening, Sattler and Gardner pointed out some of the features they believe will make their institution different and refreshing.

      First, they stopped within what will be known as the ‘community room,’ which, as the name suggests, will be a facility (1,200 square feet) set aside for the community, meaning everything from nonprofit groups that need a meeting space to business organizations that want to conduct informational get-togethers.

      They then stopped at the conference room, which will have windows on all four sides, an architectural nuance designed to highlight openness and transparency, said Sattler. “We want our customers to see what we’re doing,” he said, as he moved on to show how everything — from the lobby to the corporate offices to spaces where the works of local artisans will be displayed — will soon take shape in this space where the ceiling has been lowered from 60 feet to 15.

      Bringing all this to reality has taken far longer than the two principals could have anticipated, but that is part and parcel — in most cases, anyway — to getting a new small business off the ground. And that’s what Nuvo is.

      Specifically, it is the region’s first de novo bank, the name given to start-up operations, be they commercial or community banks, that follow one of what are now many blueprints for getting such ventures off the ground. The concept has worked successfully in many other regions of the country, but hadn’t been tried in Western Mass., what most consider to be a saturated market for banking, until Gardner approached Sattler about testing the local waters.

      After a thorough vetting process, the partners became convinced that there was need for such a facility, and went about amassing a group of investors, or organizers. They then applied to the state Board of Bank Incorporation for the OK to move forward, and received that simple but important document in April 2007.

      Soon thereafter, they commenced the task of raising the capital needed to launch the venture. The projected floor was around $10 million, but the partners set a more ambitious goal of $15 million. Getting there was complicated by a number of factors, they said, listing everything from the softening of the economy to unfamiliarity with the de novo concept to that aforementioned competition for investor dollars.

      Eventually, the campaign topped $13 million this past spring, and the partners moved from fund-raising to the next stages of the operation — putting the facilities and team in place. Those steps are still in progress, but the finish line is clearly in sight, said Gardner, noting that the bank should open by mid-October, with formal grand-opening ceremonies set for Nov. 13.

      “The barriers to entry in this business are considerable, and that’s by design — if this was easy, you’d see new banks on every block,” he said while explaining why the timeline for opening has been stretched repeatedly. “There are thousands of decision points in the process, and none of them are I what I would consider easy decisions.”

      But in retrospect, Sattler said the delay in hitting the fund-raising number, while frustrating, may have a blessing in disguise in many respects. Elaborating, he said that opening a year ago, when real estate values were still significantly inflated, would have put Nuvo in a more difficult situation than what it will face when the doors do open in October.

      “I’d be more worried today if we’d opened a year ago,” he said, referring to the current conditions and question marks hovering over the financial-services sector and real-estate market. “Because I’d have a portfolio we’d have to retrace and backtrack on. We’re at the bottom of that cycle from an asset-value standview, and from the standpoint of caution — business owners are regrouping.

      “I don’t have a portfolio that is downgrading,” he continued. “I’ve got a portfolio that at this economic time is strong and credit-worthy and local. And that’s building a great foundation, so that when this market picks up, we’re going to be in a good position.”

      Summing things up, he said that a bank just getting started is in some respects better off than some larger, existing institutions with sagging portfolios and pressure from shareholders and elsewhere to somehow bring those numbers up.

      How to Generate Interest

      Like all other bank administrators in the region, Sattler and Gardner acknowledge that this is what amounts to a no-growth market when it comes to the financial-services sector.

      Thus, growth — or, in the case of Nuvo, simply getting started in the process of accumulating assets and deposits and building loan portfolios — comes down to taking business from others.

      And both business partners believe there will be ample opportunities for them to do so.

      Why? Because over the past few years there has been considerable change within the local market, said Sattler, noting that several banks — Hampden and Chicopee Savings, most notably — have gone public, while there have been some acquisitions, such as NewAlliance absorbing Westbank. And this change — and the promise of more to come, by most accounts — equates to opportunity, according to Nuvo’s principals.

      “Go back to when we started with this in June of ’06 … how many banks have changed or merged since then?” Sattler asked, before quickly answering that question with a simple, “quite a few.”

      “And change is opportunity for us,” he continued. “Customers have become pretty sophisticated over the past several years, especially since the ’80s when there were so many changes and mergers. Things are happening in this marketplace … there are policy changes in some of these institutions; things are not the same at some of these banks. Business owners know that, and we can capitalize on that.”

      Overall, the two partners said, to seize on those aforementioned opportunities, they plan to focus on value, in whatever ways it can be delivered.

      They listed several, from the community room — which they will likely name the ‘Resource Room,’ to accurately convey what it is — to CDAR (certificate of deposit account registry), which enables the bank to insure deposits up to $50 million, not the FDIC’s ceiling of $100,000, to the fact that when one sits down with Sattler to discuss a loan, they will be meeting with not merely with a lending officer, but the president of the company.

      “That’s a tremendous advantage, to have a principal with the company sitting there with you,” said Gardner, “because he’s the decision-maker, and in the current climate at most banks, the decision-makers are maybe hundreds of miles away, and they don’t really know the person who’s going to be most affected by that decision.”

      The concepts of value and a fresh, new approach to banking will be the main thrusts of the bank’s marketing initiative, said Michelle Abdow, president of Market Mentors, the firm that is developing the campaign for the institution.

      She said the primary goal, obviously, is to raise awareness about the latest addition to the market and the fact that it is open for business. Also, it will stress that Nuvo will feature a different look and feel when it comes to the banking experience, what she described thusly: “Starbucks meets Barnes & Noble meets a bank — that’s the ambiance Nuvo is going to have.”

      But beyond that, the marketing efforts aim to stress that the bank can help customers — from homeowners to small-business owners — accomplish their goals and dreams.

      A series of print, radio, and TV ads will feature a somewhat risqué variation on Nike’s ‘Just Do It,’ by depicting a diverse set of consumers explaining how they “did it” — meaning everything from putting an addition on their home to starting a new restaurant, and how the bank helped — while inviting viewers, listeners, and readers to “get ready to do it.”

      As he talked about Nuvo, the anticipated opening, and what he and Gardner might expect in the short and long term, Sattler acknowledged that questions and doubts about the venture are not restricted to timing or the competitive nature of the market.

      Indeed, the location — in downtown Springfield in a struggling Tower Square — has also raised some eyebrows. But here again, the partners feel good about their decision.

      They admit that Tower Square has certainly seen better days — it has lost several retailers over the past few years, including Hannoush Jewelers and Edwards Books earlier this year — and that the revitalization of downtown Springfield remains a work in progress. But the partners are optimistic about recovery for both entities, and intend to be part of that process.

      “There has been some progress downtown, and we’re certainly optimistic that the picture will continue to brighten,” said Sattler, noting, as one example, the prospects for re-tenanting the nearly vacant federal building across Bridge Street from the bank and the resulting benefits to businesses in the central business district. “It’s not going to happen overnight … these things take time, but things can and will improve, and we intend to be part of the solution.

      “The key is to bring people and activity to downtown,” he continued. “We will help just by being here, but we can also bring people downtown through the Resource Room and other ways we intend to connect to the community.”

      The Bottom Line

      Summing up the past 30 months or so, and especially the past year, Sattler and Gardner said they’ve overcome a great deal to get their doors finally open.

      Navigating that whitewater has been a tiring, frustrating experience, they told BusinessWest, but also an exhilarating one in many respects, a roller-coaster ride of emotional swings that has provided some confidence — and some kudos.

      “Some people have told us that, if we can get through all this, if we can survive all this adversity, then we can probably serve our customers effectively,” said Gardner. “That’s just what we were thinking, too.”

      And with that, they went back to work making sure their institution would be in all ways ready for opening day — and also for its first customer and its largest customer, whoever that might be by then.

      George O’Brien 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

      Czar Distributing Inc. v. Creative Design Custom Homes
      Allegation: Non-payment of goods and services rendered: $1,060
      Filed: 8/13/08

      Tony Canty v. Gemini Property Services
      Allegation: Failure to complete bathroom remodeling project: $2,000
      Filed: 8/18/08

      FRANKLIN SUPERIOR COURT

      Ryan J. Holmgren v. Dunkin Donuts Inc.
      Allegation: Plaintiff sustained personal injury when he sat on a needle: $2,504
      Filed: 8/14/08

      HAMPDEN SUPERIOR COURT

      Corey Hebert ppa Mark Hebert v. Dick’s Sporting Goods
      Allegation: Negligence and product liability causing injury: $62,900
      Filed: 8/06/08

      Kimberly Gauthier v. Pride Plazas Inc.
      Allegation: Negligence in placement of air compressor causing injury: $650,000
      Filed: 8/07/08

      Kimberlee Estrella v. T.D. Banknorth, N.A.
      Allegation: Employment discrimination: $25,000+
      Filed: 8/07/08

      Melinda Tillman v. the Mercy Hospital Inc.
      Allegation: Employment discrimination: $25,000+
      Filed: 8/07/08

      T.D. Banknorth, N.A. v. Tremblay Electric
      Allegation: Non-payment of debt: $66,634.90
      Filed: 8/21/08

      HAMPSHIRE SUPERIOR COURT

      Christopher Martin v. Hampshire, Franklin, & Hampden Agricultural Society
      Allegation: Poor maintenance of racetrack causing injury to rider: $750,000
      Filed: 9/02/08

      Leonard E. Belcher v. Bishop Burner Service
      Allegation: Non-payment of goods sold and delivered: $104,000
      Filed: 8/28/08

      NORTHAMPTON DISTRICT COURT

      Meade G. Burrows v. Pioneer Valley Roofing
      Allegation: Failure to fulfill terms of contract: $4,000
      Filed: 8/07/08

      PALMER DISTRICT COURT

      The Bell/Simons Companies v. Monson Heating
      Allegation: Non-payment of goods sold and delivered: $8,118.08
      Filed: 7/18/08

      SPRINGFIELD DISTRICT COURT

      Agar Supply Company v. Spark Fish and Steven Parrot
      Allegation: Non-payment on judgment: $17,298.10
      Filed: 8/04/08

      Christopher F. Fava v. Yellow Book USA Inc.
      Allegation: Breach of advertising contract: $24,860
      Filed: 8/13/08

      Stephen & Jeanne Kuchyt v. Sentry Fence
      Allegation: Breach of contract and deceptive business practices: $8,081
      Filed: 8/19/08

      WESTFIELD DISTRICT COURT

      Christine Impoco v. Hartley Brothers Landscaping Inc.
      Allegation: Breach of contract pertaining to drainage work: $5,145.88
      Filed: 7/15/08

      David Williams v. Allen Lawnmower Company
      Allegation: Plaintiff seeks damages caused by defendant: $2,000
      Filed: 7/18/08

      Departments

      Green Buildings Open House

      October 4: The Northeast Sustainable Energy Assoc. (NESEA) invites the public to visit local sustainable buildings across the state and to talk with energy-saving experts during the 2008 Green Buildings Open House. NESEA’s open house, part of the American Solar Energy Society’s National Solar Tour, offers area residents a first-hand look at how to incorporate green elements to help reduce heating costs, increase energy conservation, and generate surplus clean energy. A complete list of open-house sites and events is available at www.nesea.org/buildings/openhouse. NESEA also recommends that individuals visit www.dsireusa.org for information on tax credits, grants, rebates and discount utility rates, and www.energystar.gov for federal tax-credit information on qualified appliances and products.

      Business Owners Initiative

      Oct. 9: “Seven Things CEOs of Breakthrough Companies Know That You Don’t” will be presented from 8 to 10:30 a.m. at the Clarion Hotel & Conference Center in West Springfield, sponsored by the Affiliated Chambers of Commerce of Greater Springfield and Hampden Bank. During the session, attendees will be introduced to the Breakthrough Executive Board, which is comprised of local business owners who have joined together to promote the growth and management of their companies. Prior registration for the program is required due to limited seating. For more information, call (413) 583-3653 or E-mail [email protected].

      Dinner Lecture

      Oct. 14: Author Joel Barker will present “You Can and Should Shape Your Own Future, Because If You Don’t, Someone Else Surely Will” from 5 to 9 p.m. at the Log Cabin Banquet & Meeting House in Holyoke. The dinner forum is hosted by the UMass Amherst Family Business Center. Barker will explain how to create extreme partnerships to transform your company and product; how your senior leaders can continuously explore trends, innovations, and paradigm shifts; and how to better anticipate and deal with the effects of change. In addition to Barker’s presentation, an educational talk on how to be a savvier user of expert advisors will be presented by the law firm of Bulkley, Richardson and Gelinas LLP. For more information, call Ira Bryck, director of the Family Business Center, at (413) 545-1537, or E-mail [email protected].

      Women’s Movement Discussion

      Oct. 23: L. Kay Wilson, attorney, coach, and motivational speaker, will moderate a discussion titled “Women, Power & Influence: Do We Still Need a Women’s Movement?” at 2 p.m. in Mills Theatre, Carr Hall, Bay Path College, Longmeadow. The program is part of the Kaleidoscope series at Bay Path. Panel members will discuss the roots of the women’s movement, the perspective of young women today, and next steps for expanding the influence of women in communities, companies, and government. Panelists are: Dr. Regina R. Barreca, professor of English at UConn, bestselling author, and nationally recognized feminist comedienne; Dr. Carol Leary, president, Bay Path College; Laurie Rosner, senior vice president, Rockville Bank of Connecticut; and Ann Young-Jaffe, program manager, Aetna’s consumer segment. The program is free and open to the public.

      Sections Supplements
      Claudio Guerra Elevates Pub Fare at Paradise City Tavern
      Claudio Guerra, left, with Operations Manager Bill Collins,

      Claudio Guerra, left, with Operations Manager Bill Collins, says Northampton’s combination of sophistication and fun make it the ideal setting for upscale pub food and cask ale.

      They came first out of loyalty.

      “When we first opened for business, we had a couple come in from Amherst, who wanted to check it out,” said Claudio Guerra, referring to Paradise City Tavern, the prolific restaurateur’s latest venture, which opened in Northampton in July. The couple had been fans of the now-closed Del Raye Bar & Grille, a far more elegant restaurant that was closed to make way for this new, upscale pub.

      “As they looked at the menu, I said, ‘how do you like it?’” Guerra said. “They said, ‘we don’t.’ So I asked why. They said, ‘why would we cross the bridge for hamburgers and beer?’”

      But they stayed and ordered: a burger, a flatbread pizza, and a couple of draughts. “I walked over later and asked how everything was, and they said, ‘OK, this is worth crossing the bridge.’ That’s my favorite moment here.”

      That satisfaction derives, no doubt, from the challenge of convincing people that quality food is quality food, no matter the price or décor. Because a tavern this is — albeit one with a few twists.

      “We’re trying to provide the most delicious but affordable pub food we can produce,” Guerra explained. “A burger is not just a burger; we’re trying to do the best hamburger you can find. The french fries are cut every day from raw potatoes. And the flatbread pizzas are made with some whole wheat in them, not some generic garbage.”

      ‘Generic,’ in fact, is not a word that comes to mind when perusing the flatbread options. Sure, the ‘Gumba’ is loaded with traditional pepperoni, meatball, and sausage, but more adventurous palates might appreciate the ‘Frenchy,’ with duck confit, melted leeks, and goat cheese; or the ‘Ham & Gruyere,’ which features those two toppings along with green grape slices.

      Somehow, the ingredients fit together — just like the diverse destinations that make up Guerra’s ever-expanding chain.

      Finding a Home

      Born in Germany to Italian parents, he emigrated to New York City as a boy in 1963, and literally grew up around the restaurant business. His father first worked seven days a week between two jobs — as a head waiter for a top French restaurant, and as the night manager for a second, 24-hour French eatery. After 10 years, he had saved enough money to move to Long Island, where he opened his own restaurant, eventually expanding that endeavor to four establishments.

      The younger Guerra, meanwhile, spent his boyhood checking coats, busing tables, and washing dishes, and after high school, he decided to follow in his father’s footsteps. He underwent a two-year apprenticeship in Bavaria, Germany, then returned to America in the early 1980s to help his father open a restaurant in Hartford, Conn. called the Mill on the River.

      On his days off, he took road trips to find a place where he could launch an enterprise of his own. When he arrived in Northampton, he fell in love with it — even though the town was far from the bustling center of arts and culture it is today. He ate that first night at the Eastside Grill, which was packed, but didn’t have a lot of competition.

      Guerra started to see possibilities, realizing in short order that Northampton was populated by educated, progressive-minded people who appreciated quality and creativity in a restaurant. Pizzeria Paradiso was his first venture there, followed in the next several years by two additional downtown ventures, the more upscale Spoleto and Del Raye.

      Over the past several years, Guerra expanded his empire further, opening two more Northampton restaurants — Spoleto Express, a lunch-oriented Italian eatery; and Mama Iguana’s, serving Mexican fare — and a second Spoleto in East Longmeadow. But while the lower-priced establishments have been humming along fine, he noticed a trend at the Del Raye.

      “For years, it was a home run,” he told BusinessWest. “But, to be honest, after 9/11 we saw a gradual slowdown in business, which accelerated in the middle of last year. The Del Raye opened up 10 years ago, but it’s a completely different economic environment today. When people are starting to put $60 or $70 in their gas tank, they think twice before they spend $60 or $70 for dinner. So the writing was on the wall.”

      Paradise City Tavern is a different entity altogether, although the culinary staff from the Del Raye is largely intact. In addition, the restaurant features 12 microbeers on tap (Guerra said he could offer more, but wants the kegs drained quickly to keep the beer fresh), and is also among just 500 or so locations in the U.S. to serve up what’s known as cask ale, which is beer brewed right in the barrel from which it’s eventually tapped.

      “Cask beer is called ‘real ale’ in Europe,” said Bill Collins, operations manager of Guerra’s restaurant chain. “All the yeast is still there, so it’s naturally carbonated. It’s got a much different flavor than other beer, and it’s served at about 59 degrees, not ice-cold. It’s got a cult following … it’s the way beer was first drank.”

      Guerra agreed. “It’s closer to the pure taste of what the brewer intends,” he told BusinessWest. “I come from a philosophy that the less food is handled and futzed with, the happier I am with it. And this is as real as it gets. The customers here are really educated about beer, and they’re really thrilled about the casks.”

      Unlike other restaurants he’s operated, this one doesn’t cater to one niche, said Guerra. “We get an early family-dinner crowd because we’re family-friendly, and then there’s a normal dinner crowd, and then after they leave, we get the drinking crowd. In fact, we’re open from 4 to 2, and half our sales here are after 11. We’ll bring in bands and DJs, and it turns into a spontaneous party.”

      All in all, he’s happy with his latest venture, although he was nervous about turning the Del Raye — an elegant, white-tablecloth type of establishment — into a tavern. But it was a move he felt he had to make.

      “A lot of people hang onto a model they’re familiar and comfortable with,” Guerra said. “I think a lot of people, in my shoes with the Del Raye, would have tried to stick it out, and probably not successfully. The Del Raye was special to me; I met my wife there. But, while it was painful, I made the decision to get rid of it.

      “In business,” he continued, “you have to stay up on the times and be hyper-aware of the realities of your competition, the economy, and the mood of the customers. You have be flexible like Play-Doh and keep moving if you’re going to be successful.”

      Having a Ball

      Besides the music, Paradise City Tavern strives to throw other creative entertainment at guests. The day Guerra spoke with BusinessWest, the staff was getting ready to show the cult stoner-bowling flick The Big Lebowski on one of the five large-screen TVs, and giving away 50 games courtesy of Northampton Bowl.

      And next spring will see the addition of an outdoor deck, which will add about 100 seats. One reason Guerra didn’t build one right away is that he knew business would be strong when the restaurant first opened, and wants to extend the excitement into next year by creating a second buzz around the deck.

      Guerra’s philosophy has always been simple — “you have to treat your customers and your employees they way you’d like to be treated,” he said — but his strategy in such a crowded restaurant market is more complex. It comes down to knowing what a community needs, he said, and then providing it.

      “If you’re driving into town and you want a place that has good food, microbeers, a lot of sports on TV, now you’ve got a place,” he continued. “It’s filling a niche; it’s not rocket science. And today, the lower you can charge for quality food, the busier you’re going to be. It’s a function of the economy. People are nervous — as they should be.”

      All the more reason to escape from stress with a flatbread pizza and a drink — even if you have to cross a bridge to do it.

      Joseph Bednar can be reached at[email protected]

      Departments

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

      AGAWAM

      Fusion Bath & Kitchen Inc., 56 Beekman Dr., Agawam 01001. James Kearney, Jr., same. To operate a kitchen and bathroom modeling and repairing company.

      AMHERST

      Dream Book Inc., #721 Keefe Campus Center, Amherst 01002. Melissa Lauren Atmadia, 4075 View Park Dr., Yorba Linda, CA 92886. Justin Park, #721 Keefe Campus Center, Amherst 01002, resident agent. (Nonprofit) To promote the resolution between the arts and sciences in the field of medicine, etc.

      BRIMFIELD

      Fairview Farms, JJC, Ltd., 121 Haynes Hill Road, Brimfield 01010. James J. Corkery, 159 Woodwind Dr., Rock Hill, SC 29732. Krystone O’Connor, 121 Hanes Hill Road, Brimfield 01010, registered agent. Equestrian boarding and activities.

      CHICOPEE

      Assembleia de Deus Ministerio Na Uncao, 419 Montcalm St., #214M, Chicopee 01020. Wellington de Brito Corraim, same. (Nonprofit) Church.

      Western Mass Export Inc., 269 Chicopee St., Suite 12, Chicopee 01013. Vlad Bezruthchenko, same. To import and export auto parts and automobiles.

      EAST LONGMEADOW

      Link To Libraries Inc., 45 Rockingham Circle, East Longmeadow 01028. Susan Jaye-Kaplan, 35 Bluegrass Circle, East Longmeadow 01028. (Nonprofit) To enhance language and literacy skills of children of all cultural backgrounds, enabling them to learn about their world through reading.

      RWG Paralegal Group Inc., 26 Yorkshire Place, East Longmeadow 01028. Richard W. Gebo, Sr., same. Paralegal services.

      FLORENCE

      Chemitorp Inc., 238 Nonotuck St., Florence 01062. Gabriel Munck, same. (Foreign corp; DE) Manufacture of maiamioa and urea molding compounds.

      HOLYOKE

      Joe Francis Inc., 514 South East St., Holyoke 01040. Joseph Francis, same.
      To renovate and manage rental properties.

      HADLEY

      CBR Realty Corp., 87 Russell St., Hadley 01035. Daniel J. Regish, same. Real estate.

      HAMPDEN

      Houghton Business Systems Inc., 511 Main St., Hampden 01036. Scott Wentworth Houghton, same. Information technology consulting.

      HOLLAND

      Grasshopper Learning Solutions Inc., 236 Stafford Road, Holland 01521. Heather Briere, same. Health education services.

      HOLYOKE

      Ministerio de Misiones Uniendo Fuerzas Para Vencer Inc., 21 View St., Holyoke 01040. Wilma Rodriguez, same. (Nonprofit) To establish a good relationship with the community, bring help to the children in Central America, etc.

      Western Massachusetts Catholic Homeschoolers, 74 Pearl St., Holyoke 01040. Mary V. Brazeau, same. (Nonprofit) Learning Bible and apologetics studies for adults and children, etc.

      LONGMEADOW

      Crestal Health Periodontics, P.C., 218 Pinewood Dr., Longmeadow 01106. Daniel B. Stiefel, same. To engage in the practice of dentistry, specializing in periodontics.

      OTR International Inc., 785 Williams St., #214, Longmeadow 01106. Firangiz Ismailova Orel, 67 Broadway Lane, West Yarmouth 02673. Sale of tires, trucks, and related products.

      LUDLOW

      Environmental Safety Training Inc., 212 Clearwater Circle, Ludlow 01056. Carolyn Scyocurka, same. U.S. EPA approved asbestos training provider.

      MONSON

      CS Solutions Inc., 138 Wales Road, Monson 01057. Patricia L. Kustra, same. Customer service.

      MONTAGUE

      Northeast Toyota Crawlers Inc., 60 Randall Road, Montague 01351. Robert L. Tracey, 123 Western Pkwy., Schenectady, NY 12304. Cody Savinski, 60 Randall Road, Montague 01351, resident agent. (Nonprofit) To provide social, educational, and recreational activities for its membership, promote safe operation of our stock of modified 4-x-4 vehicles on and off road, etc.

       

      NORTHAMPTON

      Diploma Plus Inc., 75 Gothic St., Northampton 01060. Ephraim Weisstein, 6 Watertown St., Lexington 02421. (Nonprofit) To develop innovative educational approaches to improve outcomes for youths formerly failed by traditional schools.

      Mo Willems Studio Inc., 75 Lyman Road, Northampton 01060. Maurice Willems, same. (Foreign corp; NY) Author — children’s books.

      NORTHFIELD

      The Eco School Inc., 1046 Millers Falls Road, Northfield 01360. Danielle Lejnieks, same. (Nonprofit) Educational facility for the underprivileged.

      PALMER

      1241 Park Street Realty Inc., 1241 Park St., Palmer 01069. Giampiero Borgovono, IV Novemkbre Merate 23807 ITA. Frank Fitzgerald, P.C., 46 Center Square, East Longmeadow 01028. To deal in real estate and personal property.

      Al’s Heating & Cooling Inc., 37 Stimson St., Palmer 01069. Alan Nateau, same. Installation of heating and cooling systems.

      SOUTH HADLEY

      Corner Construction Inc., 18 Main St., Suite 2B, South Hadley 01075. Nasrullah Khan, same. Construction.

      The Central Massachusetts Academy Inc., 9 College St., South Hadley 01075. James Levine, Ph.D, same. (Nonprofit) Exclusively for educational purposes.

      Witman Properties Inc., 26 Camden St., South Hadley 01075. Anthony Witman, same. To deal in commercial and residential real properties.

      SPRINGFIELD

      BAC Foundation Inc., 15 Ruthven St., Springfield 01128. Cordell Valentine Rogers II, same, registered agent. To develop and sustain holistically healthy communities, etc.

      Euro Marketing Group Inc., 934 Main St., Springfield 01103. Carmino Bonavita, 118 Southbrook Road, East Longmeadow 01028. Marketing and origination of commercial and residential mortgages.

      Frodema Appraisal Inc., 50 Cherryvale Ave., Springfield 01108. Thomas P. Frodema, same. Real estate appraisal services.

      Greenleaf Holdings Inc., 1655 Main St., Suite 201, Springfield 01103. Alex Aviles, same. Real estate.

      KJR Commercial Cleaning Inc., 24 Stony Brook Road,
      Springfield 01118. Kelly J. Raleigh, same. Commercial cleaning.

      Zhen Bo House Inc., 762 Boston Road, Springfield 01119. Wei Dong Lin, 765 FDR Dr., #9G, New York 10009; Wei Dong Lin, 762 Boston Road, Springfield 01119, registered agent. Restuarant.

      THREE RIVERS

      VFR Inc., 2004 Main St., Three Rivers 01080. Rakeshkumar V. Patel, 1922 Wilbraham Road, Springfield 01129. To operate a supermarket.

      TURNERS FALLS

      Divine Mercy Academy Inc., 84K St., Turners Falls 01376. Lawrence Filiault, 297 Mountain Rd., Gill 01354. (Nonprofit) To provide a comprehensive liberal arts education in the Catholic classical tradition.

      WESTFIELD

      Gary Olszewski & Company, PC Inc., 94 North Elm St., Westfield 01085. Gary S. Olszewski, same. Public accountancy services.

      WILBRAHAM

      Burke Technology Inc., 35 Brookside Dr., Wilbraham 01095. Patrick D. Burke, same. Implement and maintain technology solutions.

      WEST SPRINGFIELD

      Lift Truck Parts & Service II Inc., 20 Parkside Ave., West Springfield 01089. Mario A. Sotolotto, 290 Rogers Ave., West Springfield 01089. To deal in industrial equipment for lift trucks, etc.

      River Street Spirits Inc., 20 D River St., West Springfield 01089. Louis F. Bonavita, 67 Alexander Dr., Agawam 01001. To own and operate a package store.

      Departments

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

      AGAWAM

      Town of Agawam
      760 Cooper St.
      $76,000 — Classroom renovation

      AMHERST

      Amherst College Trustees
      Merrill Science Building
      $53,000 — New roof

      CHICOPEE

      Chicopee Savings Bank
      219 Exchange St.
      $600,000 — Construct new offices, bathrooms, and break area

      GREENFIELD

      Greenfield Corporate Center
      143 Munson St.
      $1,174,000 — Construct a 22,400-square-foot addition to existing building

      Kangel, LLC
      99 Elm St.
      $4,000 — New loading dock

      Main Street Realty Trust
      74 Main St.
      $31,000 — Remodel existing office area

      Molly & Van Wood
      19 Butternut St.
      $3,500 — Add solar panels on roof

      New England Telephone
      11 Church St.
      $166,000 — Installation of new AC unit

      So. Worcester Company Rehabilitation Center, Inc.
      55 Forgeys Way
      $922,000 — New adult day care facility


       

      William D. Jones
      14 Miner St.
      $28,000 — Interior renovations

      HADLEY

      317 Hadley, LLC
      321 Russell St.
      $31,000 — Change recreation areas into classrooms

      Peter Grandonico
      108 Russell St.
      $4,000 — Construct wall for office

      Research Park Limited Partnership, LLC
      100 Venture Way
      $75,000 — Tenant separation revisions

      HOLYOKE

      Holyoke Mall, LP
      50 Holyoke St.
      $184,000 — Remodel existing Swarowski store

      Holyoke Crossing Limited Partnership II
      7-45 Holyoke St.
      $37,000 — Interior fit-up at Sleepy’s store

      Roman Catholic Bishop of Springfield
      56 Cabot St.
      4137,000 — Install new roof

      LUDLOW

      First Church of Ludlow
      859 Center St.
      $17,000 — Reshingle

      Departments

      Blast from the Past

      A series of events were staged Sept. 12 and 13 to launch the Web site ‘Shays’ Rebellion and the Making of a Nation’ at Springfield Technical Community College. The Web site project was funded by the National Endowment for the Humanities for STCC in partnership with the Pocumtuck Valley Memorial Assoc. and the Springfield Armory National Historic Site. Clockwise, from above, Shays’ Rebellion project manager Dr. Lynne Spichiger and Web site designer Juliet Jacobson demonstrate the Web site; artist Bryant White at the gallery reception for his paintings for the Shays’ Rebellion Web site; answering questions following the symposium on Shays’ Rebellion, from left, Dr. Kevin Sweeney of Amherst College, Dr. Leonard Richards of UMass Amherst, and Dr. Robert Gross of UConn.


      ‘Latinos in Schools’ Initiative

      Comcast was on hand to show its support and sponsorship of the ‘Latinos in Schools’ initiative at a recent sponsorship event staged at Springfield Central High School. Comcast contributed funds that will be utilized to help provide school uniforms for children who are unable to afford them in the Springfield school system. Pictured are: back row, left to right, Juan Gerena of the Puerto Rican Cultural Center Inc., Comcast’s Dan Glanville, Brad Palazzo, and Steve Fitzgibbons; middle row, left to right, Dr. Denise L. Pagan-Vega of Springfield Public Schools, Univision character la Profesora Anacleta, Jesus Arce from Mayor Domenic Sarno’s office with (front row) Springfield schoolchildren.

      Departments

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

      Arroyo, April Lynnette
      54 Berbay Circle
      Springfield, MA 01109
      Chapter: 7
      Filing Date: 07/31/08

      Arventos, Anthony E.
      321 Wilbraham St.
      Palmer, MA 01069
      Chapter: 7
      Filing Date: 07/30/08

      Avery, Jill M.
      P O Box 821
      Greenfield, MA 01302
      Chapter: 7
      Filing Date: 08/02/08

      Barzousky, Kristine M.
      155 Draper Ave.
      Pittsfield, MA 01201
      Chapter: 7
      Filing Date: 07/31/08

      Bilodeau & Son Roofing
      Bilodeau, Normand L.
      Bilodeau, Rose M.
      29 Fisherdick Road
      Ware, MA 01082
      Chapter: 7
      Filing Date: 07/31/08

      Bird, Bill E.
      Bird, Cynthia H.
      68 Valley St.
      Adams, MA 01220
      Chapter: 13
      Filing Date: 07/29/08

      Blake, Madelyn Louise
      Blake, Nigel Alan
      Blake, Lyn L
      1 Miller St.
      Ludlow, MA 01056
      Chapter: 7
      Filing Date: 07/31/08

      Canning, Jessica L.
      a/k/a Truehart, Jessica L.
      a/k/a Ivehart, Jessica L.
      175 Lake St.
      Athol, MA 01331
      Chapter: 7
      Filing Date: 07/29/08

      Carey, Jaclyn M.
      105 South Royalston Road
      Athol, MA 01331
      Chapter: 7
      Filing Date: 07/31/08

      Carey, Wayne C.
      105 South Royalston Road
      Athol, MA 01331
      Chapter: 7
      Filing Date: 07/31/08

      Carriveau, Richard A.
      Carriveau, Debra A.
      25 Madison St.
      Chicopee, MA 01020
      Chapter: 7
      Filing Date: 08/04/08

      Cityline Nails
      Nguyen, Maihuong Thi
      a/k/a Nguyen, Mai Huong
      10 Crystal Ave.
      Springfield, MA 01108
      Chapter: 7
      Filing Date: 07/31/08

      Davis, Mary B .
      a/k/a Kelley, Mary B.
      21 Audley Road
      Springfield, MA 01118
      Chapter: 7
      Filing Date: 08/04/08

      Diaz, Jose L.
      31 Hisgen Ave.
      Easthampton, MA 01027
      Chapter: 7
      Filing Date: 07/30/08

      Dubreuil, Todd Leon
      Dubreuil, Julie Colleen
      a/k/a Wheeler, Julie C.
      P.O. Box 473
      Shelburne Falls, MA 01370
      Chapter: 7
      Filing Date: 07/31/08

      Flores, Hector
      8 Derby Dingle St.
      Springfield, MA 01107
      Chapter: 13
      Filing Date: 07/30/08

      Foley, Erin Ann
      33 Parkin St.
      Springfield, MA 01104
      Chapter: 13
      Filing Date: 07/28/08

      French, Colleen P.
      52 Janet St.
      West Springfield, MA 01089
      Chapter: 7
      Filing Date: 08/04/08

      French, Donald M.
      52 Janet St.
      West Springfield, MA 01089
      Chapter: 7
      Filing Date: 08/04/08

      Gray, Stephen P.
      86 Bowdoin St.
      Springfield, MA 01109
      Chapter: 13
      Filing Date: 07/28/08

      Grimes, Johnnie Lee
      168 Marion St.
      Springfield, MA 01109
      Chapter: 13
      Filing Date: 07/28/08

      Holmes, Valerie Janet
      35 Amherst St.
      Springfield, MA 01109
      Chapter: 7
      Filing Date: 07/31/08

      Johnson, Jeremy Lawrence
      Johnson, Heather Marie
      a/k/a Bowers, Heather
      164 Bay Road
      Hadley, MA 01035
      Chapter: 7
      Filing Date: 07/30/08

      Johnson, Jessica M.
      a/k/a Parker, Jessica M.
      437 East Main St., 2nd
      North Adams, MA 01247
      Chapter: 7
      Filing Date: 08/01/08

      Kim, Sunny K.
      40 Laurel St.
      Springfield, MA 01107
      Chapter: 13
      Filing Date: 08/01/08

      Kuenzel, Renee Marie
      149 Summit Ave.
      Chicopee, MA 01020
      Chapter: 7
      Filing Date: 07/30/08

       

      Lacasse, David P.
      187 Stebbins Road
      Otis, MA 01253
      Chapter: 7
      Filing Date: 08/01/08

      Larson, Vera A.
      12 Woodland St.
      Southbridge, MA 01550
      Chapter: 7
      Filing Date: 07/29/08

      Leduc, Shannon Sabrina
      205 Orange St.
      Springfield, MA 01108
      Chapter: 7
      Filing Date: 07/31/08

      Martin, Darcy J.
      20 Simard Dr.
      Apartment 4
      Chicopee, MA 01013
      Chapter: 7
      Filing Date: 07/29/08

      Mendoza, Milagros
      a/k/a Mendina, Milagros
      112 Belvidere St.
      Springfield, MA 01108
      Chapter: 7
      Filing Date: 08/01/08

      Morrissey, Paul
      32 Wands St.
      Springfield, MA 01118
      Chapter: 7
      Filing Date: 07/31/08

      Murray, Lisa M.
      130 Montgomery Road
      Westfield, MA 01085
      Chapter: 7
      Filing Date: 07/31/08

      Ottomaniello, John
      Ottomaniello, Lisa R.
      1847 Roosevelt Ave.
      Springfield, MA 01109
      Chapter: 7
      Filing Date: 08/04/08

      Plourde, Michel
      1335 Worcester St.
      Indian Orchard, MA 01151
      Chapter: 7
      Filing Date: 07/29/08

      Prendergast, Louis J.
      Prendergast, Melissa M.
      1285 Burnett Road
      Chicopee, MA 01020
      Chapter: 7
      Filing Date: 07/31/08

      Radwilowicz, Jacqueline
      545 Chapin St.
      Ludlow, MA 01056
      Chapter: 7
      Filing Date: 07/31/08

      Rideout, Ethan
      Rideout, Teresa
      44 Morgan St.
      Granby, MA 01033
      Chapter: 7
      Filing Date: 08/01/08

      Sakowicz, Michael S.
      80 Old Belchertown Road
      Ware, MA 01082
      Chapter: 7
      Filing Date: 08/01/08

      Santiago, Arlene
      34 Cecelia Ter.
      Pittsfield, MA 01201
      Chapter: 7
      Filing Date: 07/30/08

      Schecker, Suzanne Brita
      8 Treehouse Circle
      Easthampton, MA 01027
      Chapter: 7
      Filing Date: 07/31/08

      Schroder, Lynn A.
      90 County Road
      Holyoke, MA 01040
      Chapter: 7
      Filing Date: 08/04/08

      Servant, Marc R.
      Servant, Lynne Mary
      a/k/a Connors, Lynne M.
      72 Shelburne Center Road
      Shelburne Falls, MA 01370
      Chapter: 7
      Filing Date: 08/01/08

      Shepherd, Timothy Flynn
      Shepherd, Donna Marie
      PO Box 327
      Wales, MA 01081
      Chapter: 7
      Filing Date: 07/31/08

      Shettles, Alice Ann Marie
      a/k/a Clark, Alice Ann Marie
      Shettles, Abbie
      127 High St.
      Pittsfield, MA 01201
      Chapter: 7
      Filing Date: 07/28/08

      Shively, Mark Edward
      73 Amherst Ave.
      Feeding Hills, MA 01030
      Chapter: 7
      Filing Date: 07/31/08

      Sims, Craig
      69 Ramblewood Dr.
      Springfield, MA 01118
      Chapter: 13
      Filing Date: 08/01/08

      Theroux, Peter E.
      105 Fowler St.
      Westfield, MA 01085
      Chapter: 13
      Filing Date: 08/04/08

      Upton, Patrick W.
      Upton, Kristine M.
      190 Mapleshade Ave.
      East Longmeadow, MA 01028
      Chapter: 13
      Filing Date: 07/31/08

      Weiss, Gary H.
      Weiss, Gail L.
      276 Millers Falls Road
      Northfield, MA 01360
      Chapter: 7
      Filing Date: 07/31/08

      Wright, Elizabeth Jane
      a/k/a Gooch, Elizabeth J.
      364 Suffield St.
      Agawam, MA 01001
      Chapter: 7
      Filing Date: 07/31/08

      Sections Supplements
      The Matter of Personal Liability for Restaurant Debt

      Restaurants in Massachusetts can be organized to do business in many different corporate forms, including sole proprietorships, partnerships, corporations, and limited-liability companies. When restaurateurs choose to operate their business using a corporate form such as an LLC, it is often with the belief that, should the business fail to be profitable or close altogether, the owners will not be personally liable for the restaurant’s debts.

      Unfortunately, even if the restaurant is operated as a corporate entity, there are instances where the restaurant’s owners may be liable for debts incurred in the operation of their business. One frequently occurring example is when a restaurant’s owner signs a so-called ‘personal guarantee.’ Often, the personal guarantee is found on the last page of a form contract, lease, or credit application, and it is not completely read or understood by the person signing the document.

      In most instances, if the business defaults on its obligations, a personal guarantee contractually obligates its signor to pay from his or her own assets the obligations of the business to the creditor holding the personal guarantee. Frequently, personal guarantees are written so they do not require that the creditor initially look to business assets to satisfy the restaurant’s debt, but instead allow the creditor to immediately pursue the guarantor for payment.

      Complications may also arise where there is more than one principal or owner, and therefore more than one guarantor of the restaurant’s debt. Personal guarantees from multiple individuals generally allow a creditor to seek payment for the entire debt from any or all of the principals, and often do not require that the principals pay their proportional ‘share’ of the debt. Rather, the creditor may collect all of the outstanding debt from the guarantor they believe to be most solvent.

      Unless the restaurant is well-financed, or the principals have a proven track record of success in the industry, it is likely that lending institutions such as banks and institutional suppliers will seek personal guarantees from the restaurant’s principals. When faced with the possibility of signing a personal guarantee, there are a number of things restaurateurs should consider.

      • Decide if you really need this vendor or lender. Restaurateurs should initially determine whether there are other suppliers of this good or service that do not require a personal guarantee. If there are, an analysis of the competing providers should be conducted to determine whether the benefits provided by the entity requiring the personal guarantee outweigh the risks associated with personal liability. If the benefits do not outweigh the risks, or the benefits are marginal, it may be in the restaurateur’s interest to select a vendor that does not require a personal guarantee.
      • Read and understand the guarantee. If the analysis runs in favor of the supplier requiring the guarantee, restaurateurs should be certain to read and understand the terms and conditions of the guarantee. For example, among other things, it is important to understand whether the guarantee requires that the creditor initially look to corporate assets to satisfy the restaurant’s debt before seeking liability on the guarantee. Similarly, restaurateurs should also know whether they are guaranteeing the payment of the creditor’s attorneys’ fees and costs, should enforcement of the guarantee become necessary.
      • Try to negotiate the terms of the guarantee. If a potential supplier or creditor has a form personal guarantee in its agreement, restaurateurs should ask that the personal guarantee section be deleted from the agreement. Depending on the size of the supplier, its business requirements, and its perception of your business, some suppliers are willing to delete personal guarantees entirely in order to gain the restaurant’s business. Alternatively, if a supplier is not willing to delete the personal guarantee entirely, many suppliers are willing to negotiate the length and other conditions of the guarantee.
      • Ensure that all principals sign a personal guarantee. If there is more than one principal in the restaurant, and you are being asked to personally guarantee the restaurant’s debt, in most instances you should require that each principal of the restaurant sign a personal guarantee as a condition of your signature. This requirement, along with appropriate provisions in the restaurant’s operating agreement or bylaws, will ensure that all principals are equally liable for the debt and that each principal has recourse against the other in the event that a creditor seeks recovery on the personal guarantee from only one principal.
      • Place a homestead on your principal residence. While most commercial-lending institutions such as banks require physical collateral such as a mortgage on real property, most purveyors or suppliers do not. Since there is generally no mortgage securing the debt owed to the purveyor or supplier, Mass. General Laws may allow you to protect a substantial amount of equity in your principal residence. Placing a homestead on your principal residence will, in many instances, protect the equity you have in your home, even if you previously signed a personal guarantee.
      • Restaurateurs doing business as limited-liability entities, such as corporations or LLCs, should think long and hard before guaranteeing the debt of their business, because doing so effectively strips many of the protections afforded by those entities. Fortunately, if a restaurateur seeks advice from an attorney, accountant, or other professional knowledgeable in this area before signing a personal guarantee or any legal contract, he or she may be able to avoid many of the pitfalls which often accompany such guarantees.

        Mark A. Tanner is an attorney in the Northampton office of the law firm of Bacon Wilson, P.C. Prior to practicing law, he graduated from the Hotel, Restaurant and Travel Administration Program at UMass Amherst and the MBA program at the University of Colorado. He managed corporate restaurants for Houlihan’s and Ruby Tuesday in Massachusetts, New Jersey, and Colorado. Tanner currently advises numerous restaurateurs and other businesses in litigation and business planning matters. This article is provided for informational purposes only, does not constitute legal advice, and should not supplement independent legal advice.

        Uncategorized

        Great things, no matter their size or scope, are achieved by people, not institutions.

        Personal achievement is possible only with the help of others and in the service of others. At no time in recent history is the value of individual service to the community more universally felt than it is today. Making the commitment to serve is important, but it is equally important, if not more, to have a greater understanding of how to serve. We are living in an historically important time of economic, political, and social change. As a result, it is not only important to identify the issues important to our work and the people we serve, but that we act on ways to address these issues.

        As we do so, it is critical that the decisions we make on behalf of others always keep the larger interest of our community in mind. If we keep community first, institutional interests second, and our individual interests third, we will find new solutions and approaches to today’s challenges, and in the end our individual interests will also be served.

        This idea is fundamental to the United Way’s mission, which is to improve lives by mobilizing the caring power of our communities. We learn that great social movements begin with individual acts of kindness or courage that are driven by principles, commitment, trust, and confidence in the work that we do.

        I have learned in my three years with the United Way that the people we are helping and the lives we are changing are the results of the good work that we do together. Without this strong sense of civic engagement and personal leadership, we could not achieve the important work that must be done day after day.

        It is in this spirit that the United Way has emerged into what we call a community impact organization with the belief that if we live and work united, to advance the common good, lives will be improved by mobilizing the caring power of communities. For us it is important that we focus on the root causes of the issues we face, not just our fundraising. We do this with you as our partners to help us move beyond the surface of problems in order to tackle the underlying causes of these challenges.

        What are some of things that we are involved in, and why? You might remember news articles that spoke about Springfield ranking sixth in the nation for percentage of its children living in poverty. We have learned since that our poverty level is three times higher than the Massachusetts poverty rate and more than twice the national rate. Through our work at the United Way and from research we have done locally and received from national studies, we know that, to address the root causes of poverty in our area, we will need to focus on programs and services that provide strong early-childhood education, youth development focusing on out-of-school and summer learning, and creating financial stability for individuals and families that live in distress.

        We support efforts that provide access to high-quality early education, summer learning, and other out-of-school programs as well as helping the less fortunate.

        Our mission at the United Way has always been to strengthen the lives of the people who live in our region by empowering them to create a community where all of our citizens are valued and where together we provide the opportunity to create neighborhoods that are safe, productive, and secure. We also know that, in order to accomplish all of this, our United Way will need to create healthy partnerships with all of our stakeholders, members of our community, donors, and more than 50 member agencies that provide more than 120 programs for the 23 cities and towns in Hampden County, South Hadley, and Granby.

        We are proud to be partners with these agencies and programs, and value their work. Together, we know that we will need to embrace new ways and new solutions to our work. We need to understand that, if we do business today as we did yesterday, we are bound to lose, but if we do business tomorrow as we do today, we will surely be doomed.v

        Joel Weiss is president and CEO of the United Way of Pioneer Valley.

        Opinion

        They call it the ‘brain drain.’

        This is one of those contrived terms, in this case used to describe the flight of young people out of a region to find jobs, opportunities, fulfillment … in short, something better than what they had, or thought they could get, where they were before.

        The extent and uniqueness of the brain drain in the Pioneer Valley — which has a number of colleges but keeps only a small percentage of graduates (especially from the private schools) in this region — can be debated. What can’t be debated, though, is the importance of young professionals to the vitality and economic health of this or any other region.

        Which is why we’re enthusiastic about the early success and enormous promise of a group called the Young Professional Society of Greater Springfield, or YPS. Created about 18 months ago, it is off to what can only be described as a phenomenal start in its efforts to — and these are the words right in the mission statement — engage, involve, and educate people under the age of 40.

        As it does so, it is helping to keep young people in this region by giving them more reasons to feel better about their presence here, but it’s also preparing them to be better leaders and contributors to the community if, and for however long, they do stay.

        But let’s back up a minute. Current officers say the concept of YPS was born mostly out of curiosity. To make a long story somewhat short, some young people were wondering out loud where all their contemporaries were, what they were doing, what they were thinking, whether they liked it here, whether they fully appreciated all there is to do here, and if they could use help getting connected to the region and its assets.

        So they scheduled a get-together and invited virtually everyone they could connect with via the Internet. They were hoping for 30 people and got five times that number.

        Besides counting heads, organizers listened and learned, and what they came away with was the clear impression that young people, as a group, needed an organization that could help them network, grow professionally and personally, become involved in the community, and develop leadership skills.

        So they created one.

        And then they developed some programming to define it. These initiatives include what are called Third Thursdays, get-togethers that take place on those dates on the calendar, at which attendees can network and socialize. There’s also the CEO Luncheon, which, as the name suggests, involves an area CEO hosting lunch for 20 or 30 YPS members and discussing a wide range of topics involving business, the community, and life in general.

        There’s also a strong focus on the arts and getting people involved with those institutions, and even a New Year’s Eve gala on the slate for this year.

        Put it all together, and we have a group that could make — and is in many respects already making — a very positive impact on this region and its business community.

        By getting young people engaged and involved, YPS is making the region a better place to live, work, and play. At the same time, it is giving these same young people more reasons to enjoy their time in the Valley, and perhaps prompting more to stay. Meanwhile, with its focus on education, YPS is helping to groom a more-informed, more-capable group of future business owners, managers, employees, nonprofit board members, and public servants.

        This a noble and important mission, one that already has the backing of a number of a number of area corporations, and could use more of the same from other businesses and business organizations that all face the daunting challenge of finding talented help for today and especially tomorrow.

        YPS is a group with a purpose and a real future — that’s because it’s this region’s future at stake.-

        Departments

        Fuss & O’Neill Acquires UPLINC

        WEST SPRINGFIELD — Fuss & O’Neill Technologies (Fandotech), a multidiscipline engineering firm, recently acquired the assets of UPLINC. With the firm’s newest addition, Fuss & O’Neill now has more than 34 professionals in Western Mass. Fandotech is a regional IT company that provides a full range of managed IT services from multiple data centers to supporting each client’s desktop. Products include OFFSITE data centers, Managed IT, 360IT, 180IT, GIS, Community Explorer Online (CEO), Mooring tracker, Applications Solutions Development, Business Continuity, Boomerang data backup, and restoration. Fandotech provides IT services to medical, industrial, education, and municipal clients across New England.

        Bank Offers Energy Relief Program

        SPRINGFIELD — For the fourth consecutive year, Hampden Bank is offering its mortgage customers the opportunity to participate in its Energy Relief Program that allows customers to make smaller, interest-only payments on their mortgages for the duration of the heating season. Senior Vice President Robert Michel noted that the program is simple, but the savings can be “profound.” For example, a $150,000 loan balance with a 20-year remaining term at an average of 6.5% interest rate would yield a savings of almost $250 per month. After the heating season ends in April, the borrower’s loan would be recast to amortize the new loan balance. In the example, the recast payment would increase the monthly payment on the loan by about $14 per month. “As a local community bank, we have the ability to react quickly to the needs of our customers,” said Michel. “This program will help people when they need it most. That’s what makes a bank like Hampden Bank in tune with the community it serves.”

        Landon Extends Contract with Falcons

        SPRINGFIELD — Springfield Falcons President and General Manager Bruce Landon has agreed to extend his employment agreement for three years with the American Hockey League team. Landon is entering his 31st season in hockey management, the 15th season as president of the Falcons, and his 25th campaign as general manager in Springfield. The Springfield Pro Hockey, LLC ownership group noted that, over the past several months, the organization led by Landon has gained significant, positive momentum in its efforts to sell more season tickets with the goal of re-establishing its strong franchise presence in the Springfield region. The ownership group also acknowledges that “much work still needs to be done” in the process of stabilizing the professional sports franchise. Generating the necessary revenues from season-ticket sales and advertising sponsorships remains one of Landon’s top goals in order to stay at levels consistent with other upper echelon and successful AHL teams, according to the ownership group.

        PeoplesBank Opens Office, Makes Donations

        HOLYOKE — Seven charitable and civic organizations in Springfield recently benefited from donations totaling $113,200 by PeoplesBank. Bank officials made the donation announcement at a ribbon-cutting ceremony on Sept. 8 at its second Springfield office at 1240 Sumner Ave. PeoplesBank President and CEO Douglas A. Bowen said financial commitments were made to American International College for $50,000; Rachel’s Table, $15,000; ReStore Home Improvement Center, $10,000; Springfield Falcons, $11,200; Springfield Public Forum, $4,000; Springfield Symphony, $8,000, and the Urban League of Springfield, $15,000. As a community bank, he noted, PeoplesBank is focused on the needs of its customers and the cities and towns it serves — which include the area’s charitable and civic organizations. Bowen added that, in addition to the bank’s financial commitment, he encourages his employees to volunteer their time and leadership skills to “some of these same organizations to ensure that their important work will continue.” PeoplesBank offers a full range of personal and commercial financial products and services. Locally based since 1885, the bank has offices and ATM locations in Amherst, Chicopee, East Longmeadow, Feeding Hills, Granby, Hadley, Holyoke, Long-meadow, Northampton, South Hadley, Springfield, and Westfield.

        Sections Supplements
        PeoplesBank Expands Its Footprint — and Moves Up the Donors’ List
        Doug Bowen, left, president and CEO of PeoplesBank, congratulates Henry Thomas III,

        Doug Bowen, left, president and CEO of PeoplesBank, congratulates Henry Thomas III, president and CEO of the Urban League of Springfield Inc., on his organization’s selection as a donation recipient.

        PeoplesBank President Doug Bowen has several different numbers to be proud of these days.

        For starters, there’s $1.41 billion. That’s the total-assets figure for the Holyoke-based institution, making it the largest community bank in Western Mass. There’s also $912,262,000 (total deposits), and 15, the number of locations the bank now has in the Pioneer Valley.

        There are a few more figures of note: one that Bowen certainly knew about, $412,376 (the amount donated by the bank to area-based nonprofit groups in 2007), and one he didn’t, until recently, anyway. That would be 52.

        That’s where the bank ranked in the Boston Business Journal’s third annual “largest charitable contributors list,” which is based on donations to Massachusetts nonprofits. That’s just one slot below giant Friendly Ice Cream Corp., ($421,031), in roughly the same neighborhood as KPMG, Arbella Insurance, and even Microsoft Corp., all corporations with a large presence in the Bay State, and comfortably ahead of Dunkin Brands ($218,020) and Reebok International ($138,345).

        These numbers for assets, branches, and donations are all intertwined, of course, said Bowen, who noted that, as PeoplesBank expands its footprint in Western Mass. — including its two most recent branch openings, both in Springfield — the levels of deposits and assets naturally increase. But so too does the amount of giving within the community, he noted, adding that the bank’s presence within a given community extends well beyond bricks and mortar.

        The opening of the institution’s newest branch, on Sumner Avenue in the Forest Park section of Springfield, for example, was accompanied by some checks signed by PeoplesBank and made out to American International College ($50,000); Rachel’s Table ($15,000); the Springfield Falcons ($11,200); ReStore Home Improvement Center ($10,000); Springfield Public Forum ($4,000); Springfield Symphony ($8,000), and the Urban League of Springfield ($15,000).

        That’s a total of more than $113,000, which will help the bank keep a strong presence on the Journal’s largest-charitable contributors list, an honor that Bowen relishes because it exemplifies the bank’s mission to make a difference in the communities it serves through contributions to such groups, and not merely compile assets, deposits, and mailing addresses.

        “This ranking speaks to our commitment to the region … we’re proud of our track record for giving,” said Bowen, noting that he’s not sure what the final tally for donations will be for ’08, but it will be well north of $500,000. That should move the bank up the list, but Bowen is focused more on what these and other types of donations will mean within the community.

        “A lot of people talk about commitment,” he explained. “We do it through our financial resources, but just as important, we encourage people here to donate their time, energy, and leadership skills — and they have.”

        Branches of Service

        Upon crunching the numbers from the Journal’s contributor list for 2007, one finds that PeoplesBank is exponentially (two zeroes, actually) behind frontrunner State Street Corp., which doled out a whopping $33 million in ’07. That’s roughly double the amount contributed by runner-up Blue Cross Blue Shield of Massachusetts ($16.6 million). Meanwhile, Bank of America ($14 million), Liberty Mutual Group ($11.9 million), and Partners Healthcare ($11.54 million) round out the top five. MassMutual? It was 14th at $4.6 million, one slot ahead of the Red Sox, $4.4 million.

        But the Holyoke institution wound up as the 10th-highest bank on the list. It is the fourth-largest outside Worcester, and the largest based in the Pioneer Valley.

        Bowen says this standing is one of the anticipated, and more pleasurable, byproducts of an ambitious expansion strategy that the bank set in place a few years ago. Then-president Joe Lobello described it as a somewhat unusual game plan given the over-banked nature of many area communities (or the perception of same within the industry and outside it) and planned or anticipated expansion by other institutions, especially ones that had recently gone public.

        But Lobello thought then, and Bowen believes now, that the strategy is sound. It calls for giving PeoplesBank, which has historically been focused on Holyoke and surrounding towns, a presence in more communities, including Springfield (where it has only had ATMs until recently) and, eventually, Northampton, West Spring-field, and other cities and towns.

        These bridgeheads, if one can call them that, will properly position for the bank for expected future consolidation, mergers, and acquisitions that will leave fewer locally owned and managed banks, said Bowen, noting that Springfield has become the first phase of the plan’s execution.

        And while some might put Springfield in the ‘over-banked’ category, PeoplesBank saw what it considered to be room for another, in this case, locally based institution.

        “We saw space for a local bank with local control,” said Bowen, noting that most all the banks doing business in the City of Homes are headquartered out of the region or even out of the country. “And we went ahead to fill that space.”

        The first foray into Springfield was in Sixteen Acres, with a branch that opened in late 2006, he said, noting that the Sumner Avenue facility was already in the planning stages when that facility opened. Likewise, the next step — a branch in East Springfield, near the Springfield Plaza — is set to move off the drawing board.

        As the bank has expanded into Springfield, it has written checks to benefit groups and facilities based in that city or that do business there, said Bowen, noting that, with the opening of the Sixteen Acres branch, the bank donated $75,000 to the Greenleaf Senior Center, among other donations to groups that serve that area.

        These gifts no doubt helped push PeoplesBank onto the Boston Business Journal’s list, and the donations that have accompanied the Sumner Avenue branch opening may propel it higher, said Bowen, adding quickly that the chosen beneficiaries are as important as the dollar amounts.

        “There are organizations — the symphony, the Public Forum, and the Springfield Falcons are all examples — that clearly enrich our lives,” said Bowen. “And then there are others that reach out and support the most vulnerable members of the community, and Rachel’s Table and the Urban League are good examples of that. These are the kinds of groups we want to support because they improve quality of life within a community.”

        The bank has an individual with the title “community manager,” Bowen continued, who takes requests from nonprofits, weighs the merits of applications, and makes recommendations to company leaders. “We consider these applications based on the scope and the impact in the community, and our giving is focused on putting dollars where they can impact the most people and have the greatest impact.”

        The Bottom Line

        Bowen said the bank has a number of possible options as it mulls the next steps in its broad expansion plan.

        Creating a presence in Northampton, the largest community in Hampshire County, is certainly at or near the top of the list, while a West Springfield location is also a likely eventuality.

        And as the bank expands, it will continue to support those communities where the name goes, said Bowen, hinting broadly that while he’s certainly proud of that number 52, this is one of those rare incidences when an bank executive would like to see a smaller figure next year.

        — George O’Brien

        Sections Supplements
        350 Grill Has Become a Choice Venue
        350 Grill

        The proprietors of 350 Grill see the restaurant as one of many cogs in the rebirth of downtown Springfield.

        The original plan was for something much different — a simple luncheon facility catering mostly to the business crowd. But those plans changed, considerably, and what has emerged with the 350 Grill is an intriguing addition to the downtown Springfield restaurant and entertainment scene, one that appeals to many different audiences.

        Sherri Via says that, although the original business plan for the 350 Grill wasn’t actually written in pencil, it might as well have been.

        That’s how much things changed since the initial concept was first put on the drawing board close to two years ago.

        Indeed, what was originally conceived as a venue to provide a significant upgrade to lunch offerings for the neighboring Mardi Gras gentlemen’s club has instead become one of the more intriguing and successful additions to the downtown Springfield restaurant and entertainment scene.

        Instead of the burgers-and-hot-dogs menu originally contemplated by Via — a long-time employee and, in many respects, business partner of Jim Santinello, who owns the Mardi Gras and other venues — 350 Grill features a wide array of steaks, a ‘Kansas City veal chop,’ and ‘lobster ravioli.’ It’s a mix, and a venue, that is drawing constituencies from downtown businesspeople to some of the bikers who invade the city on Thursday nights during the warmer months.

        “Things just kept … evolving,” said Via, who used that word early and often as she talked about this entrepreneurial venture in progress, which will soon celebrate its first year in business with high hopes and expectations for the future. “One thing just led to another and, well, here we are.”

        While all that evolution has created a successful addition to Springfield’s entertainment sector, it has led to some growing pains as well, said Via, who brings roughly 30 years of experience in the hospitality sector to her role as proprietor of the ‘Grill.’

        The kitchen, for example, is much too small and in other ways inadequate for the menu being featured. “It has only eight burners, and that’s clearly not enough,” Via said, noting that this situation led to some early problems and even a few apologies from management concerning service.

        But there are plans being readied to rectify that situation, she continued, adding that there are other remedial steps being taken or in discussion. First and foremost, the building to the other side of the restaurant, an eyesore for decades, will be razed this fall, providing space for additional parking, she said.

        Meanwhile, the Grill’s menu continues to change, providing a degree of freshness that Via demands, and new wrinkles continue to be added. In other words, the evolution is ongoing.

        The Pasta Is Prologue

        Via acknowledged that some people might naturally have had doubts about whether last December was the time, and downtown Springfield the place, to be launching a new restaurant.

        But she had no such doubts.

        Although 350 Grill was a work in progress right up until the day it opened — and even after the ribbon was cut — she believed in the concept, and also in Springfield and its downtown.

        “I think Springfield can and will come back, and I believe we’re a part of that process,” she said. “What the city needs is some positive thinking about what has happened, and what will happen down the road.

        “Overall, the more businesses — restaurants — you have downtown, the better it is for everyone,” she continued, clearly espousing the ‘grow the pie’ theory of the hospitality sector that embraces competition. “When that happens, you create vibrancy, and sooner or later, people will come to your establishment.”

        Via said her decision to press on and create the restaurant that patrons see today was based more on gut instinct than any real market research into whether such a venue was wanted or needed. And thus far, her instincts appear to be good.

        Flashing back to early 2007, Via said the 350 Grill — the original version of the eatery — was born of need, specifically a desire to vastly improve the quality and quantity of lunch offerings for Mardi Gras patrons. Needless to say — although she did say it in several ways — the plans changed.

        As renovations to what was a long-time dance club started to take shape, Via said she sensed an opportunity to go well beyond the original vision and create something far more upscale that would attract a larger and significantly more diverse clientele. Such an opportunity dovetailed nicely with her own career ambition to operate a fine-dining establishment.

        What eventually emerged is called a steakhouse by some — because there are several different cuts on the menu — but it is much more than that, said Via.

        There are a number of seafood options — from sea bass to swordfish to shrimp florentine — as well pasta dishes, chicken, lamb, and more. Meanwhile, the menu of appetizers, or tapas, is diverse and includes everything from artichoke francaise to veal meatballs.

        The lunch menu, which has proven to be popular among the business crowd, has some usual suspects — a signature burger, a Reuben, and a turkey melt, for example — but also a grilled swordfish sandwich and a ‘blue plate special.’

        Via’s sister, Doreen, presides over the cramped kitchen as executive chef, and she changes up the various menus every four months, said Sherri, to keep the overall product fresh.

        The need to continually alter and add to the menu is just one of many lessons Via says she learned over more than three decades in the hospitality business that she is now applying to 350 Grill. Others include everything from the need for a constant focus on value — in whatever ways it can be achieved — to keeping the bathrooms clean.

        “I’ve been a waitress, a bartender, a hostess, a manager … you name it, I’ve done it,” she said. “And I’m glad I’ve done all those things because I have insight into those jobs and every aspect of this business.

        “You learn a few things when you’ve been in this business as long as I have,” she continued. “The key is to successfully apply what you’ve learned.”

        Meanwhile, Via is tapping into her contacts within the business and cultural communities (she’s on the board of directors of CityStage and Symphony Hall and is heavily involved with the local chapter of the American Cancer Society) to tap into those constituencies and thus grow her customer base through what is always the best marketing tool in this business — word of mouth.

        And while the first year or so in operation has generally exceeded most expectations, Via knows that the restaurant business is more challenging than most not in it would think. Consumers are fickle, she explained, and economic conditions can change the scene in a heartbeat.

        That’s why she’s focused on applying those aforementioned lessons, listening to customers, and responding with continuous changes and improvements.

        A Job Well-done

        Indeed, as she talked with Business-West, Via was getting ready for the lunch crowd — and also a meeting with an architect to discuss options for expanding the grill’s kitchen.

        It’s not a question of whether that will happen, but how, she said, adding that, in many respects, the evolutionary process continues at this venue, which didn’t take the shape of those original plans.

        And no one’s complaining.

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

        Sections Supplements
        Manufacturers, Developers Answer the Call for Customizable Phones

        If you thought there was no place for Wack-a-Gopher or Word a Day calendars in today’s personal technology landscape, you’re wrong.

        The latest craze among new phones — which, today, are not phones at all so much as personal online and connectivity devices — is not the handsets themselves, but the additional, customizable applications a user can download at any time. For some people, this might mean adding a racecar game or a relaxing, virtual pond of koi fish for idle gazing. Or, it could just as easily mean installing complicated stock programs to follow specific trades, a remote desktop that connects to a home or office computer, or a mobile version of the White Pages.

        Regardless of the product, it’s a personalized climate in which we’re communicating, leading to new needs and wants among consumers. Here’s a look at some of the new offerings on the market.

        An App a Day

        Just this summer, the communications buzz centered almost entirely on Apple’s latest offering, the iPhone 3G. The new iPhone is said to be twice as fast as the first generation iPhone, allowing users to take advantage of faster access to the Internet and E-mail over their cellular network, as well as for voice and data connectivity worldwide.

        But as autumn settles in, iPhone chatter has shifted to focus more on the vast number of services and applications (or what Apple calls Apps) that can be used in conjunction with the device. MobileMe, for example, is a new service available to all iPhone users that ‘pushes’ E-mail, contacts, and calendars instantly to iPhone, removing the need to manually check E-mail and wait for downloads. There are also about 600 ‘Web apps’ available to iPhone users, such as connectivity to popular social networking sites like Facebook and Twitter, and 2,500 applications to date that can be purchased (some are free) and downloaded to the iPhone via through Apple’s online ‘App Store.’

        These include applications in a variety of categories, including games, business, news, sports, health, reference, and travel, and all are designed to help users customize their experience. There are more than 40 photography Apps alone, ranging from editing tools to uploaders to popular online photo hosts such as Phanfare and flickr, and a number of business-related Apps, including remote PowerPoint controllers, task managers, voice recorders, and automatic trackers for everything from headlines to real estate trends.

        New Apps are added constantly, and Apple tracks its most popular products. Currently, the most-often downloaded Apps among free and for-purchase products include Wikipanion, a free search tool for use with the online encyclopedia Wikipedia; Stanza, a reader for electronic books; Pandora Radio, a free, personalized music service; and Spend Lite, a budget manager. (Wack-a-Gopher and the virtual koi pond are also in the top ten Apps this month.)

        In addition, other companies, from technology firms to audio-visual manufacturers, are also capitalizing on the iPhone craze and introducing their own compatible hardware and software.

        MODE for iPhone, for example, was created by audio-component manufacturer SpeakerCraft, based in Riverside, Calif., to expand upon the iPhone’s already-extensive music-playing capabilities.

        MODE essentially transforms the iPhone into a remote control that can be used with home-theater and multi-room audio systems, as well as with every iPod within a household. The interface operates much like other iPhone applications, and displays song information, artist names, genres, and playlists on the interactive touch screen, making the process of accessing music simple and intuitive.

        BlackBerry Cordial

        These kinds of innovations — focused less on one-to-one conversations and more on the vast potential of hand-held communications devices of today — is an industry-wide trend, and not relegated to all things Apple. Another sweet spot in the industry is the BlackBerry, which is also revamping its image, capabilities, and relationships with those all-important third-party applications.

        The BlackBerry Curve 8830 from Verizon Wireless is one of the latest models, featuring applications that can work together and load concurrently. With the Curve 8830, users can E-mail a Web page to a contact, for example, while browsing the Web or listening to music. The BlackBerry also utilizes a 3G network, which augments such real-time features as ‘VZ Navigator,’ an audio and visual GPS system that provides turn-by-turn directions.

        ‘Built by BlackBerry’ is this company’s version of an online application store, carrying both free and for-purchase add-ons in categories such as lifestyle, finance, news and weather, and music and media. Users can play a game of virtual Uno, read the New York Times, make stock trades, or track expenses by installing these diverse programs, which are added and expanded on a regular basis.

        All of these innovations point toward devices that are increasingly versatile, as well as easy to use. As suggested by the iPhone 3G, keypads are beginning to give way to touch screens, and personal organizers, music players, phones, and portable Internet-connectivity devices are already morphing into one gadget rather than several.

        A Soft Spot for Hardware

        However, this is not to say that design and lifestyle don’t still play a part in which phone or accessories are purchased. High-end phones like the BlackBerry and iPhone are larger than some of the tiny devices of years past, and more complicated to replace or repair. That’s why many manufacturers are now striving to offer a multitude of options in terms of capabilities and space for added applications, while still taking into account the varied lifestyles of consumers.

        The Motorola Adventure V750 Push-to-Talk Phone, for example, is designed to cater to travelers and businesses with a far reach. It connects one or multiple team members at the same time with one push of a button, and is a more rugged phone that meets military standards for shock, dust, vibration, solar radiation, altitude, and high and low temperatures.

        It also supports a Verizon Wireless application called Field Force Manager, a business-to-business, multi-function tool that allows for the location and tracking of field workers, offers an electronic time-card option, creates an audit trail to validate job information for customers, and generates turn-by-turn driving directions.

        If sophisticated business tools aren’t necessary, though, there’s also mobile Guitar Hero and Pac-Man Fever. A little something for everyone is the trend, and everything is close at hand.

        Jaclyn Stevenson can be reached at[email protected]