Home 2011 (Page 8)
Chamber Corners Departments

CHamber corners: Upcoming Events

ACCGS
www.myonlinechamber.com
(413) 787-1555
* May 12: ERC5 Parking Lot Party, 5–8 p.m., Eastwood Shops, Boston Road, Wilbraham. Cost: $10 for members; $20 for non-members.For more information, contact Sarah Tsitso, (413) 755-1318 or [email protected].
* May 13: ACCGS Legislative Steering Committee,      8–9 a.m., TD Bank Conference Center, Springfield.
* May 18: ERC Board of Directors’ Meeting, 8–9 a.m., the Gardens of Wilbraham, Community Room, 2 Lodge Lane, Wilbraham.
* May 18: ACCGS Ambassadors Meeting, 4–5 p.m., EDC Conference Room, Springfield.
* May 18: Professional Women’s Chamber – Woman of the Year Banquet honoring Kate Kane, 6 p.m., Springfield Sheraton. Tickets: $50 per person. For more information or to reserve tickets, contact Lynn Johnson at (413) 755-1310; or [email protected].
* May 19: ACCGS Board of Directors’ Meeting, 8–9 a.m., TD Bank Conference Center, Springfield.

Amherst Area Chamber of Commerce
www.amherstarea.com
(413) 253-0700
* May 18: Chamber After 5, 5–7 p.m., Cherry Hill Golf Course, 325 Montague Road, Amherst. Cost: $5 members; $10 nonmembers. For more information, call (413) 253-0700.

Chicopee Chamber of Commerce
www.chicopeechamber.org
(413) 594-2101
* May 11: Global to Local;  a Workshop Series/Part 2 Reinventing Your Business Model, 8–11 a.m.,  the Hampton Inn, Chicopee. For more information and to purchase tickets, please visit www.chicopeechamber.org
* May 13: Annual Auction/Beer and Wine Tasting, 6–9 p.m., the Castle of Knights, 1599 Memorial Dr. in Chicopee. Presented by Chicopee Saving Bank. For more information and to purchase tickets, visit www.chicopeechamber.org.
* May 18: Salute Breakfast, 7:15–9 a.m., Elms College, 291 Springfield St., Chicopee. For more information and to purchase tickets, visit www.chicopeechamber.org.

Greater Easthampton Chamber of Commerce
www.easthamptonchamber.org
(413) 527-9414
* May 12: Networking by Night, Business Card Exchange, 5 to 7 p.m. Come see Easthampton’s Solar Net Zero community. Sponsored & hosted by Coldwell Banker Upton-Massamont Realty, Meadow River Valley Way, Easthampton. Hors d’ouevres, door prizes, host beer and wine. Cost: $5 for members, $15 for non-members.
* May 15: Easthampton’s 11th Annual Big Rig Day, 9 a.m. To 3 p.m., rain or shine. Family fun with trucks of all sizes, construction equipment, safety vehicles, specialty cars and trucks. New location: Easthampton Municipal Building and Public Safety Complex, 32-50 Payson Ave., Easthampton. Free admission and parking. For more information, visit www.bigrigday.com.
* May 20: Wine & Microbrew Tasting, 6 to 8 p.m., One Cottage St., Easthampton. More than 50 wines and microbrews, fine food, raffle. Wine sponsor: Westfield Spirit Shop. Microbrew sponsor: Big E’s supermarket. Food sponsor: the Log Cabin and the Delaney House. Benefactor: Finck & Perras Insurance Agency. Cost: $30 in advance, $35 at the door. For more information, call (413) 527.9414. Purchase tickets online at www.easthamptonchamber.org. Proceeds to benefit chamber community programs.

Franklin County Chamber of Commerce
www.franklincc.org
(413) 773-5463
n May 20: Monthly Breakfast Series, 7:30-9 a.m., Greenfield Grille, 30 Federal St., Greenfield. Member spotlight on the Sandri Company. Main speaker: Secretary of Executive Office of Housing and Economic Development Greg Bialecki. Sponsored by Greenfield Community College. Cost: Members: $12, Non-members $15.

Greater Holyoke Chamber of Commerce
www.holycham.com
(413) 534-3376
* May 16: 43rd Annual Chamber Cup Golf Tournament  2011, starting at 11 a.m., Wyckoff Park, 233 Easthampton Road, Holyoke. Registration and Lunch at 11a.m.; tee off at noon (scramble format); dinner following game with elaborate food stations catered by the Log Cabin. Cost: $125 per player includes lunch, 18 holes of golf, cart, and dinner. Winner awards, raffles, and cash prizes follow dinner. Tournament Sponsors: Log Cabin and PeoplesBank.
Corporate Sponsors: Dowd Insurance, Goss & McLain Insurance Agency, Holyoke Gas & Electric, Mountain View Landscapes, Holyoke Community College, Holyoke Medical Center, People’s United Bank, and Resnic, Beauregard, Waite & Driscoll. For reservations call  (413) 534-3376 or register online at holyokechamber.com.
* May 18: Chamber After Hours, 5–7 p.m., Pic’s Place/Highland Tap, 910 Hampden St., Holyoke. Sponsored by All Sales Consulting, LLC. Admission: $5 for members, $10 cash for non-members; (413)534-3376.

Northampton Area Young Professional Society
www.thenayp.com
(413) 584-1900
* May 12: Party with a Purpose, 5–8 p.m., the Delaney House, 1 Country Club Road, Holyoke. Free for members, $5 for non-members.

South Hadley/Granby Chamber of Commerce
www.shchamber.com
(413) 532-6451
* May 20: Legislative Breakfast, 7:30 a.m., the Orchards Golf Club, South Hadley. Guest speakers: state Sen. Stan Rosenberg, state Rep. John Scibak, and others. Tickets: $15 per person. Space is limited. Must RSVP by Tuesday, May 17 to (413) 532 6451.

Three Rivers Chamber of Commerce
www.threeriverschamber.org
(413) 283-6425
* May 21: Palmer Pick-Up Day,  9 a.m. to noon; [email protected]. Contact Chamber President Fred Orszulak, 413-283-7400. Following the pick-up, the Three Rivers Chamber is sponsoring a lunch cook-out at noon at Hryniewicz Park (AKA the Three Rivers Common).

West of the River Chamber of Commerce
www.ourwrc.com
(413) 426-3880
* May 12: 2011 Annual Meeting and Breakfast, 7 a.m., Carriage House at Storrowton Tavern. Speaker: Jason Freeman, president of Six Flags New England. Presenting sponsor: Easthampton Savings Bank. Coffee bar sponsor: Environmental Compliance Services.  Cost: Members $25, non members, $30. Highlights: introducing Chairman-elect Remo Pizzichemi. For more information, learn about sponsorship opportunities, or to RSVP call (413) 426-3880; or email [email protected].

Greater Westfield Chamber of Commerce
www.westfieldbiz.org
(413) 568-1618
* May 11: WestNet after 5:00 Networking, 5–7 p.m., Tekoa Country Club. Putting Contest to benefit  GWCOC Scholarship Fund. Cost: $10 for members, $15 for non-members.
* June 20: 50th Annual Golf Tournament. Register now by contacting Sandy Sorel at (413) 779-0075.

Young Professional Society of Greater Springfield
www.springfieldyps.com
May 19: Great Golf Escape 2011!, Tekoa Country Club, Westfield. The YPS Great Golf Escape sells out each year, attracting 144 golfers along with 100+ additional attendees at our Third Thursday social event immediately following the tournament; 10:30 a.m. registration;  11:30 shotgun start; scramble format. Price: $50 per player includes 18 holes of golf, cart, greens fees, YPS golf shirt, goody bag, lunch, refreshments on the green, beer ticket, and admission to YPS Third Thursday immediately following tournament. Presented by: St. Germain Investment Management.

Departments People on the Move

Jason Randall has been named Director of Human Resources at Peter Pan Bus Lines of Springfield. He will supervise the Human Resources and Benefits Administration departments, handling the needs of more than 800 employees at its bases of operation in Massachusetts, Rhode Island, Connecticut, Greater New York/New Jersey, and Washington, D.C. locations.
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Monson Savings Bank announced the following:

Lisa Gerulaitis

Lisa Gerulaitis

• Lisa Gerulaitis has been appointed a Mortgage Originator; and
• Marline Charette-Strange has been appointed a Mortgage Originator.

Marline Charette-Strange

Marline Charette-Strange

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Interior Designer Sarah Sopelak was among the 31 recent winners from the national California Paints’ Color Challenge. Two of her designed color schemes were selected by three interior-design judges among thousands of applicants. Her color schemes can be viewed at www.californiapaints.com/designergallery/sarahsopelak.html. Sopelak works as an interior designer with both Jablonski DeVriese Architects of Springfield and Lexington Group Inc. of West Springfield. She has become a LEED Accredited Professional (Leadership in Energy and Environmental Design), and is an allied member of the American Society of Interior Designers. The concept for her winning interior color scheme is based on the tropical fruit mango. Satellite, her winning exterior color scheme, is based on the concept of the Earth’s atmosphere, the exosphere.
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Brian Wolf

Brian Wolf

Brian Wolf has joined Hatch Mott MacDonald in Holyoke as a Principal Project Manager. He will direct many of the firm’s projects to ensure the best possible results are done on time and within budget, and meet client expectations while maintaining safety and quality.
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Personal Fitness Trainer Lynne Marie Wanamaker has joined the Northampton Athletic Club. Wanamaker will create custom exercise programs for adults who want to be stronger and live longer.
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Doug Coombs

Doug Coombs

Doug Coombs, a Sales Associate in the Coldwell Banker Residential Brokerage office in Longmeadow, has been recognized with the Coldwell Banker International President’s Elite Award. The distinguished honor is awarded to the top 1% of approximately 90,000 sales associates worldwide in the Coldwell Banker system. With more than 30 years of real-estate experience, Coombs has created marketing systems to help sell houses across the spectrum. These systems helped him sell more than 70 houses last year, five times the national average, and placed him in the top 10 of all Coldwell Banker agents in New England.
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Attorney Kelley Cooper Miller

Attorney Kelley Cooper Miller

Attorney Kelley Cooper Miller has joined Royal LLP of Northampton, serving in the areas of ERISA law, employee benefits, and taxation matters.
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John Rogers, Associate Vice President for Institutional Effectiveness at American International College, Springfield, was recently recognized at a conference in Montreal. Rogers and his colleague, Khim Sim, a professor of Accounting at Western Washington State University, presented a research paper at the annual conference of the Decision Sciences Institute. Rogers and Sim received an award for the best academic paper in Application of Management Theory, one of five papers to receive awards out of 170 presentations at the conference. The annual conference draws academic researchers from around the world, and papers are peer-reviewed for acceptance and deal with all areas of management science, including financial modeling, consumer behavior, operations management, and organization behavior and systems theory. Rogers and Sim studied the use of lean and Six Sigma techniques to reorganize and dramatically improve productivity at Callaway Golf, formerly the Spalding plant in Chicopee. Their field study showed how management was able to engage both workers and staff of the plant in a comprehensive program of organizational change.
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The Lathrop Communities announced the following:
• Shardool S. Parmar, President of Pioneer Valley Hotel Group, has been named to the Board; and
• Judith Rabig, Vice President of Research and Innovation at the Overlook Institute, Masonic Health Systems, has been named to the Board.
•••••
The Quabaug Corp. in North Brookfield announced the following:
• Eric Rosen has been named President and Chief Operating Officer;
• Nancy Beaudoin has been named Wellness Manager;
• Daniel Fleck has been named Process Chemist; and
• Leon Jablonski has been named Utility Supervisor.
•••••
Gisella Caputi-Zawasky has been promoted to Manager at the TD Bank branch office at 958 State St. in Springfield.
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O’Reilly, Talbot & Okun, with offices in Springfield and Westborough, announced the following:
• Robert Kirchherr has been promoted to Principal;
• Edward Weagle has been promoted to Associate; and
• Valerie Tillinghast has been promoted to Associate.
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Westfield Bank announced the following:
• Denise Begley has been promoted to Assistant Vice President of Retail Operations and Customer Relations;
• Kelly Pignatare has been promoted to Assistant Vice President of Small Business Sales; and
• Cristina Bussell has been promoted to Assistant Vice President and Human Resources Manager.
•••••
Katya Berezovskaya

Katya Berezovskaya

Katya Berezovskaya has joined Country Bank as Retail Lending Development Officer. She has more than 13 years of experience in the finance industry and an extensive background in residential lending. Prior to joining Country Bank, she worked with TD Banknorth Mortgage Group and Bank of America Home Loans.
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Michele Lincoln

Michele Lincoln

Michele Lincoln has joined Kitchens by Chapdelaine as a Designer. She holds a degree in architectural design, CKD accreditation from the National Kitchen and Bath Assoc., and has more than 23 years of experience in the kitchen and bath home-remodeling industry.

Agenda Departments

Online Tools Seminar
May 11: From FourSquare to YouTube, Yelp, Groupon, Facebook, Google Places, Twitter, MagCloud, and Issuu, there is an array of low-cost, easy-to-use online tools that allow small-business owners to attract new customers and enhance relationships with existing ones. Larri Cochran of Fresh Table, LLC will present a talk from 9 to 11 a.m. at the Scibelli Enterprise Center, 1 Federal St., Springfield, on who is using which tools so you can identify where your customers are online and which tools fit your business. The seminar goal is to create an integrated marketing strategy that maximizes returns for manageable efforts. The cost is $40. The program is sponsored by the Massachusetts Small Business Development Center Network. For more information, call the MSBDC at (413) 737-6712, or visit www.msbdc.org/wmass.

Chamber Auction, Wine & Beer Tasting
May 13: The Castle of Knights on Memorial Drive, Chicopee, will be the setting for the Chicopee Chamber of Commerce’s annual Auction & Wine & Beer Tasting, from 6 to 9 p.m., featuring the Battle of the Chefs competition and the Antiques Road Show. David Sarrasin, executive chef for the Castle of Knights, and Mick Corduff, executive chef/owner of the Log Cabin/Delaney House, will do battle as attendees sample and vote for their favorites. Additionally, Dan Farrell, David McCarron, and Chris Kennedy, representatives of the Antiques Road Show, will be on hand to appraise valuables. For more details, call (413) 594-2101 or visit www.chicopeechamber.org.

Springfield’s 375th Anniversary Celebration
May 14: The World’s Largest Pancake Breakfast will kick off Springfield’s 375th Anniversary Celebration from 8 to 11 a.m. on Main Street. Additionally, a parade will step off at 11 a.m. from Springfield Technical Community College, proceeding down State Street, past the reviewing stand at the Federal Court House, to Main Street to Mill Street. From 1 to 5 p.m., the Springfield Armory will host Armory Day. Festivities will include re-enactments, demonstrations, and firings. Blessings for Springfield, an interfaith service hosted by St. Michael’s Cathedral which is celebrating its 150th anniversary on State Street, will be conducted at 5 p.m. The day’s festivities will come to a crescendo in Blunt Park as more than 100 members of the Sci-Tech Jazz Band – The Pride of Springfield perform a concert from 7:30 to 9 p.m. At 9 p.m., the skies over Blunt Park will burst with an array of colors including the numbers 3-7-5 for Springfield’s anniversary. For details, visit www.springfield375.org or call the Spirit of Springfield at (413) 733-3800.

Using New Media
May 18: Gretchen Siegchrist of Media Shower Productions and Robert Malin of Malin Productions will lead a presentation from 9 to 11 a.m. that will teach participants how they can use new media to grow their social-media reach and influence. After an overview of different types of online videos for businesses, they will look at various platforms for sharing videos online, including YouTube. The cost is $40 for the presentation at the Scibelli Enterprise Center, 1 Federal St., Springfield. The Mass. Small Business Development Center Network is sponsoring the event. For more information, call the MSBDC at (413) 737-6712, or visit www.msbdc.org/wmass.

40 Under Forty Gala
June 23: BusinessWest will present its 40 Under Forty Class of 2011 at a not-to-be-missed gala at the Log Cabin Banquet & Meeting House, beginning at 5 p.m. The 40 Under Forty program, initiated in 2007, has become an early-summer tradition in the region. This year’s winners will be announced in April. For more information on the event or to order tickets ($60 per person, with tables of 10 available) call (413) 781-8600, ext. 10, or visit www.businesswest.com.

Summer Business Summit
June 27-28: The Resort and Conference Center of Hyannis will be the setting for the Summer Business Summit, hosted by the Mass. Chamber of Business and Industry of Boston. Nominations are being accepted for the Mass. Chamber, Business of the Year, and Employer of Choice awards. The two-day conference will feature educational speakers, presentations by lawmakers, VIP receptions, and more. For more information, visit www.masscbi.com.

Hampden Bank Hoop City Jazz & Art Festival
July 8-10: A Mardi Gras theme will kick off the 5th annual Hampden Bank Hoop City Jazz & Art Festival on July 8, featuring Glenn David Andrews with the Soul Rebels, and hosted by Wendell Pierce, star of the HBO series TREME. The celebration, planned at Springfield’s Court Square on the Esplanade, continues throughout the weekend with a lineup of world-class entertainment. On July 9, performances are slated by Marcus Anderson, the UK Kings of Jazz Groove, Down to the Bone, 17-year-old jazz newcomer Vincent Ingala, and Gerald Albright. On July 10, performances begin with the Eric Bascom Quintet, followed by Samirah Evans and Her Handsome Devils. Kendrick Oliver and the New Life Orchestra will also perform, and Latin jazz performer Poncho Sanchez will close out the festival. Organizers will also be increasing the number of merchandise vendors, artisans, and crafters as well as food vendors. For more information, visit www.hoopcityjazz.org.

Western Mass. Business Expo
Oct. 18: Businesses from throughout Hampden, Hampshire, Franklin, and Berkshire counties will come together for the premier trade show in the region, the Western Mass. Business Expo. Formerly known as the Market Show, the event, produced by BusinessWest and staged at the MassMutual Center in Springfield, has been revamped and improved to provide exposure and business opportunities for area companies. The cost for a 10-by-10 booth is $700 for members of all area chambers and $750 for non-members; corner booths are $750 for all chamber members and $800 for non-members, and a 10-by-20 booth is $1,200 for all chamber members and $1,250 for non-members. For more information, log onto www.businesswest.com or call (413) 781-8600, ext. 100.

Court Dockets 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.

FRANKLIN SUPERIOR COURT
Town Of Montague v. First Light Power Resources Inc. et al
Allegation: Breach of covenant to maintain, replace, and repair bridge: $1,000,000
Filed: 3/31/11

GREENFIELD DISTRICT COURT
Direct Energy Business v. Sonivya Inc.
Allegation: Non-payment of electrical services: $10,254.14
Filed: 3/21/11

HAMPDEN SUPERIOR COURT
Joseph Freedman Co. Inc. and the Excelsior Insurance Co. v. CJ’s Towing Unlimited Inc.
Allegation: The defendant is asserting a lien for towing recovery costs in an amount disputed by plaintiffs: $31,814
Filed: 2/7/11
The City of Westfield v. The Sun Life Assurance Co. of Canada and Global Benefits Strategies Inc.
Allegation: Negligence and breach of contract in connection with a health-insurance policy and negligence by an insurance consultant: $753,000
Filed: 2/7/11

Palmer Paving Corp. v. Phoenix Plaza Corp.
Allegation: Breach of contract for labor, materials, and services rendered: $49,596.14
Filed: 2/10/11

HAMPSHIRE SUPERIOR COURT
Eastern Wholesale Fence Co. Inc. v. Hadley Fence Company, LLC
Allegation: Non-payment of goods sold and delivered: $88,878.79
Filed: 3/3/11

Wells Fargo Bank v. RDT Associates, LLC
Allegation: Complaint to enforce foreign money judgment: $317,936.74
Filed: 4/4/11

Westfield Radiology Associates v. Valley Medical Group, P.C.
Allegation: Non-payment of radiological services provided: $200,000+
Filed: 3/22/11

NORTHAMPTON DISTRICT COURT

Hampden/Zimmerman Electric Supply Inc. v. S.E. Sulenski Roofing & Siding Inc.
Allegation: Monies owed for goods and services provided: $9,021.37
Filed: 3/23/11

Marianne P. Foster v. John Gil Inc.
Allegation: Breach of contract for paving services: $11,000
Filed: 4/8/11

PALMER DISTRICT COURT
City Electric Supply Company v. A & D Electric, LLC
Allegation: Non-payment of goods sold and delivered: $7,803.25
Filed: 1/28/11

FPC Financial, FSB v. Sentry Services Inc.
Allegation: Money owed on credit-card agreement: $19,636.45
Filed: 1/25/11

SPRINGFIELD DISTRICT COURT
Arrow Concrete Produsts Inc. v. J.D. Contracting Inc.
Allegation: Non-payment of goods sold and delivered: $15,485.48
Filed: 2/28/11
Agar Supply Company Inc. v. George’s Pizza
Allegation: Non-payment of goods sold and delivered: $8,506.97
Filed: 1/27/11

Global Environmental Services, LLC v. Tonertown, LLC
Allegation: Non-payment of goods sold and delivered: $22,400
Filed: 1/24/11

Public Service Mutual Insurance v. Gamoto, LLC
Allegation: Non-payment of commercial liability insurance premium: $1,713
Filed: 1/24/11

United Refrigeration Inc. v. Statewide Mechanical Contracting Inc.
Allegation: Non-payment of goods sold and delivered: $8,090.44
Filed: 2/23/11

WESTFIELD DISTRICT COURT
Capital One Bank, N.A. v. Two Little Guys Tree Farm
Allegation: Monies owed for credit advanced: $21,492.24
Filed: 3/11/11

Company Notebook Departments

Elms, STCC Offering Bachelor’s Degree Completion Program
CHICOPEE — Elms College and Springfield Technical Community College (STCC) recently announced a memorandum of understanding between the two institutions that will enable STCC graduates to complete their bachelor’s degree from Elms by taking courses on the STCC campus. The new program is now accepting applicants, and will begin in September. Initially, a bachelor of science degree will be offered in social work. The partnership honors the mission of each college to serve those in need. Through the initiative, Elms and STCC faculty will teach designated courses on the STCC campus, making it convenient for students and alumni of STCC as well as others from the community with associate’s degrees. Students with associate’s degrees will be able to substantially improve their employment and graduate-school opportunities in their chosen field in an accelerated time frame, completing their bachelor’s degree in 10 eight-week sessions, or 20 months. Under the degree-completion program, 120 credits will be needed for the degree, with a minimum of 42 Elms credits; all Elms core and program requirements must be met, and program models are based on students having at least 60 credits from their associate’s degree. Also, students can transfer in a maximum of 78 credits. Classes will be offered on Saturdays, and classes will be offered by major in a flexible cohort model of 20 to 25 students. STCC graduates who have earned an associate’s degree are eligible to apply to this program. Elms will provide a part-time program coordinator to facilitate academic advising, course registration, and orientation on the STCC campus. For more information, call (413) 265-2490 or e-mail [email protected].

Link to Libraries Receives Grant
EAST LONGMEADOW — The Rockville Bank Foundation has given a grant of $1,000 to Link to Libraries to help promote literacy and donate books to public elementary schools and nonprofit organizations in Western Mass., and also in Northern and Central Conn. The funds will be used to purchase new books and develop a read-aloud story hour for children at more than 40 of the sites. Laurie A. Rosner, senior vice president of marketing and administrative services for Rockville Bank, noted in a statement that the foundation is “proud to support the Link to Libraries program, which will enhance language and literacy skills of children of all cultural backgrounds and enable them to learn about the world through reading.” Rosner added that part of the foundation’s mission is “to make a positive difference in the lives of others.”

Organization Receives National Award
SPRINGFIELD — A 2010 Gold Standard Award has been received by Big Brothers Big Sisters of Hampden County by Big Brothers Big Sisters of America. The prestigious award, which will be presented at the Big Brothers Big Sisters of America national conference in Dallas in June, is given to the top agencies nationally in recognition of strong financial and programmatic growth and top-quality service delivery, according to Joel Morse, director of partnership development. The Springfield organization is one of 18 Big Brothers Big Sisters agencies to achieve Gold Standard status in 2010. The award letter to Beth Russell, executive director, notes that “meeting these standards means you and your agency have exhibited qualities that make your work among the top in the field.”

Yankee Mattress Factory Moves to Larger Space
SPRINGFIELD — Yankee Mattress Factory moved to a larger space in Haymarket Square in April, which will allow more space for growth, according to owner Joseph D. Noblit. Noblit noted in a statement that the move allowed the company to make some manufacturing adjustments for mattress-production innovations, as well as streamlined the process to keep offering a quality product at an affordable price. Noblit added that every mattress is assembled with “painstaking attention to detail,” and unlike big factories that make hundreds of mattresses each day, “Yankee Mattress can take the necessary time needed to make each mattress perfect.” Yankee Mattress offers “luxurious,” handcrafted sleep sets in ultra-plush, luxury-firm, and three levels of super-firm mattresses, according to Noblit. Noblit manages three locations: a manufacturing and retail store at 314 Springfield St. in Agawam, another at 104 Damon Road in Northampton, and the expanded store in Haymarket Square at 1704 Boston Road. For more information, visit www.yankeemattressfactory.com.

Bradley Receives Award for Snow Removal
WINDSOR LOCKS, CT — Acting State Transportation Commissioner James P. Redeker recently announced that Bradley International Airport has received the 2010-2011 Balchen/Post Award, an international honor presented to the snow crews of the airports in the Snow Belt. Bradley was competing against 60 airports throughout the world that were nominated for various awards at the recent 45th annual International Aviation Snow Symposium in Buffalo, N.Y. The Balchen/Post Award recognized the Bradley Team, comprised of airport operations and maintenance staff, for their dedicated efforts in maintaining the airport in safe and operational status during the past winter season. Bradley had previously won the award 28 years ago after the winter of 1982-83. Other Northeastern award-winning airports at the recent symposium were LaGuardia, Logan International, Niagara International, and Bangor International. Bradley is the second-largest airport in New England and serves an extensive geographic area, covering the entire Northeast, including New York and New Jersey.

Office Environments of N.E., BKM Merge

BOSTON and EAST HARTFORD — Office Environments of New England, LLC (OENE) and bkm Total Office (BKM), authorized Steelcase dealers, recently announced that they have combined to create a regional enterprise supporting workplace needs that will offer a broadened portfolio of products and services and expanded geographic coverage in New England. OENE has purchased substantially all of BKM’s assets. Each business will continue to operate under its individual name. By leveraging BKM’s and OENE’s combined resources and capabilities, the enterprise will provide customers with expanded audiovisual, architectural systems, floor covering and technology solutions, as well as the most comprehensive offering of contract furniture and services available in New England. “This is truly meaningful for our customers, who depend on us to help them create innovative and harder working spaces that inspire, foster collaboration, and optimize their real estate footprint,” said Robert Kelly, president of OENE. Don Griesdorn, chairman of BKM, has owned the company since 1977. He will be retiring and transitioning ownership. “I’ve had a long-standing vision of creating a stronger presence in the New England marketplace,” he said. “I’m excited to see that vision come to life as these two great organizations come together. I would like to extend my sincere thanks and gratitude to our loyal customers and dedicated employees.” Effective immediately, Larry Levine joins the company as president of BKM, with more than 25 years of contract furniture experience. Robert Kelly will continue to lead OENE as President. Orlando Corsi, CFO and COO of OENE, will expand his role across the entire enterprise. Dan Sabia, formerly BKM president, will assume a new role as executive business consultant.

Departments Incorporations

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

CHICOPEE

Sophie Adam Inc., 1747 Westover Road, Chicopee, MA 01020. William Stetson, same. Restaurant and tavern.

Spectators Sports Bar & Grill Corp., 154 School St., Chicopee, MA 01013. Robert Scribner, 28 Beaumont Ave., Chicopee, MA 01013. Sports Bar & Grill.

EAST LONGMEADOW

TJI Enterprises Inc., 56 Sanford St., East Longmeadow, MA 01028. Todd Illingsworth, same. Painting, varnishing, shellacking, enameling, oiling, and staining of buildings, structures, vehicles, and machinery.

HOLYOKE

Moskal-Dowd Insurance Agency Inc., 14 Bobala Road, Holyoke, MA 01040. John Dowd, same. Insurance agency.

U.S. Heyichang Technology Engineering Co., Ltd., 16 Maple Crest Circle, Apt J, Holyoke, MA 01040. Xinya Liu, same. Provider of goods and services through technology applications.

NORTH ADAMS

Shaw Shambhala Inc., 66 Summer St., North Adams, MA 01247. John Shaw, 5338 Main Road, Route 100, Stamford, VT, 05352. Charitable organization for the purpose of physical, spiritual, and emotional self-healing.

OTIS

Mountainview Campground Inc., 1856 South Main Road, Otis, MA 01253. Philip Bignacki, 15 Birch Hill Road, Northborough, MA 01532. Seasonal family campground.

PALMER

R.O.D. Freight Management Inc., 21 Wilbraham St., Palmer, MA 01069. Scott Desantis, 224 Boston Road, Palmer, MA 01069. Shipper of general building products.

Seven Railroads Chapter HRHS Inc., 29 Flynt St., Palmer, MA 01069. Philip Johnson, 9 Ester Ave., Palmer, MA 01301. Nonprofit organization established for historical and educational preservation.

PITTSFIELD

Mickey Bubbles Inc., 105 Dalton Ave., Pittsfield, MA 01201. Pamela Veazie, 32 Gwenn Lane, West Stockbridge, MA 01266. Hand car wash and detailing.

RUSSELL

Northeast Roofing and Construction Inc., 862 Blandford Road, Russell, MA 01071. Joseph Ravosa, same. Roofing and construction services.

SPRINGFIELD

J & P Green Partners Inc., 173 Pine St., Springfield, MA 01105. Jonathan Fonseca, same. Educate consumers and businesses on green technology initiatives.

JC Wireless Inc., 135 Boston Road, Springfield, MA 01109. Ho Jeong Han, 9 Kimbell Ct., #811 Burlington, MA 01803. Retail wireless store.

L.V. Trucking Incorporated, 321 Orange St. Floor 2, Springfield, MA 01108. Luis Manuel Villa, same. Transportation, shipping, and delivery services.

Relevant Energy Concepts Inc., 1833 Roosevelt Ave., Springfield, MA 01109. Brian Tolliver, same. Smart energy practices and solutions for businesses and residents to create a smaller carbon footprint.

S.W.A.G.G.E.R. Corp., 94 Wilbraham Road, Springfield, MA 01109. Clarence Smith, 58 Berkshire St., Springfield, MA 01109. Retail clothing store.

Sky Home Improvement Inc., 27 Continental St., Springfield, MA 01108. Gregory Garcia, same. Home improvement services.

Sponsor a Student Ltd., 64 Denver St., Springfield, MA 01109. Kafi Akillah Martin, same. Charitable organization established to provide financial support to tax exempt 501 c(3) nonprofit organizations.

The Grime Fighters Corp., 57 Merrimac Ave., Springfield, MA 01104. Luis Adams, same. Air duct cleaning for the purpose of improved energy efficiency.

Y.L.S. Inc., 442 Page Blvd., Springfield, MA 01104. Yorky Santos, same. Bar and lounge.

WEST SPRINGFIELD

Shades of Jade & JB Studios Inc., 1138 Memorial Ave., West Springfield, MA 01089. Fanta Simmons, 120 Longhill St., Apt. 8, Springfield, MA 01108. Hair salon

WESTFIELD

Quotemule Inc., 8 Darby Dr., Westfield, MA 01085. Carlton Hale, same. Internet broker between contractors and engineers with materials suppliers worldwide.

Westfield Contracting Inc., 63 Country Club Dr., Westfield, MA 01085-5009. Richard Doiron, same. General contractor.

DBA Certificates Departments

The following Business Certificates and Trade Names were issued or renewed during the month of April 2011.

AGAWAM

44 Megga-Speed
28 Ramah Circle
Mario W. Fiore

Done Playing Games
244 Pine St.
Michael Bryden

Four Paws Up
96 Bradford Dr.
Pamela Williams

Giodco
16 Hall St.
Steven Glod

Keene K9’s
41 Park St.
Henry Keene

R.J. Porter
824 Suffield St.
James D. Porter

AMHERST

Amherst Lockworks
64 Montague Road
Derek Lauder

Colorandshape 2
149 Blackberry Lane
Judith Dickson

Georger Property Management
170 East Hadley Road
Anthony Georger

Mission Cantina
485 West St.
Samuel O. Kochan

Peddar Fitness
375 College St.
Jeff Peddar

CHICOPEE

Beauties to Behold, LLC
70 Maple St.
Jasmine Brewer

Benz Repurposing
99 Westport Dr.
Thomas Reniewicz

Designatool.com
136 Boutin St.
Daniel S. Stefaniak

Morin Leasing & Sales Company
76 Chateaugay St.
Mark A. Morin

EASTHAMPTON

Cin Design Studio
116 Pleasant St.
Cindy Kunz

Easthampton Outdoor Market
228 Northampton St.
Carla Racine

Medicine Bull & Bear
108 Everett St.
Barbara Janik

Spiritworks Healing Arts
Eastworks Building, Suite 218
Brighid Murphy

Turcotte Data & Design
116 Pleasant St.
Jason Turcotte

GREENFIELD

J & J Painting
136 Conway St.
Joshua Hill

Kim’s Upholstery
162 Federal St.
Kimberley Chagnon

Margaret’s Cleaning Service
171 Leyden Road
Margaret Fisher

HOLYOKE

Central Auto Sales
1010 Main St.
Stanley Tobias

Crazy 8
50 Holyoke St.
Mandy Kulpk

Family Deli Market
399 Hillside Ave.
Altagracia Beras

Gil’s Auto Repair & Performance
21 Hadley Mills Road
Gilberto Rivas

Kim Lee Nails
322 Appleton St.
Luy Nguyen

Lama Western Mass
120 Maple St.
Miguel Reyes

Mazzu Landscaping & Painting
210 South St.
John Mazzu

Perfect Brow Art Inc.
50 Holyoke St.
Elizabeth Porikos-Gorgees

NORTHAMPTON

Disney Magazines
47 Pleasant St.
Buena Vista Magazines Inc.

Fabdogz
28 Rick Dr.
Annie T. Bailey

Hyde Services, LLC
96 Pleasant St.
Jonathan Hyde

Morrow’s Auto Repair
50 Hatfield St.
Dale R. Morrow

Packards
14 Masonic St.
Robert E. McGovern Jr.

Velley’s Trust
57 Main St.
Jagdish Singh

PALMER

Jane Alden Convenience Store
1469 North Main St.
Mukesh Patel

KT’s Pet Store
1581 North Main St.
Kathleen Menard

Mike of All Trades
156 Three Rivers Road
Michael Ziemba

Wes Pascale Masonry
25 Robinson Road
Wesley Pascale

SPRINGFIELD

Merrill Lynch
1 Monarch Place
David F. Lusteg, Sr.

Metro PCS
135 Boston Road
Jou Y. Cho

Michael A. Placanico
162 Lucerne Road
Michael Anthony

Milly’s Creations
66 Everett St.
Carmen Rodriguez

Mr. Wireless
737 Liberty St.
Mark A. Centeno

MW Dwell
86 Milford St.
Marshal Anderson

MacDuffie School
1 Ames Hill Road
Wayne Brewer

New Choice Carpet Cleaner
55 Commonwealth Ave.
Kenneth L. Williams

Nucci’s Pizzeria
699 Sumner Ave.
Michael F. De Caro

Olde Barn Property Service
241 Atwater Road
Jose L. Feliciano

Optical Expressions Inc.
1156 Main St.
Derryl Gibbs

Orchard Training Center
284 Main St.
Manuel F. Esteves

Organic Island
1655 Main St.
Vladimir J. Caceres

Orion Recovery
133 Oak St.
R. Scott Turner

Page Boulevard Bottle and Can
233 Page Blvd.
Duc H. Truong

Park Lane
141 Wollaston St.
Yesenia Rodriguez

Pioneer Field Inspections
106 Washington Road
Henry Devargas

WEST SPRINGFIELD

84 Lumber Company
38 Monterey Dr.
Robert Berry

A. Cosentini Landscaping
122 Ohio Ave.
Adriano Cosenti

Attain Therapy & Fitness
124 Myron St.
Performance Rehabilitation of Western New England

Bailey’s Beads and Gemstones
168 Wilder Ter.
Glenn P. Wright

Knight’s Inn
1557 Riverdale St.
Anilkumar R. Rana

My Lawn Guys
143 Doty Circle
Oak Hollow Landscapes, LLC

Second Hand Los
21 Sweet Fern Dr.
Lauran C. Thompson

Theory Skate Shop
306 Westfield St.
Frank Langone

Tomasko Electric
848 Elm St.
Green Energy Sol Inc.

West Side Window Cleaning
109 Warren St.
Allan Theriaque

Bankruptcies Departments

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

Aho, Robert Jeffrey
30 Church St.
Shelburne Falls, MA 01370
Chapter: 7
Filing Date: 04/01/11

Akin, Melanie A.
205 Blisswood Village Dr.
Ludlow, MA 01056
Chapter: 7
Filing Date: 04/07/11

Baird, Katie M.
127 East Buckland Road
Shelburne Falls, MA 01370
Chapter: 7
Filing Date: 04/04/11

Baird, Laura J.
a/k/a Hewson, Laura J.
a/k/a Schoenhals, Laura J.
127 East Buckland Road
Shelburne Falls, MA 01370
Chapter: 7
Filing Date: 04/04/11

Blake, Charleene Leslie
87 West St.
Greenfield, MA 01301
Chapter: 7
Filing Date: 04/04/11

Boisvere, James H.
Boisvere, Diane M.
547 McKinstry Ave.
Chicopee, MA 01020
Chapter: 7
Filing Date: 04/07/11

Bowman, Cassidy W.
72 A Chapel St.
Northampton, MA 01060
Chapter: 7
Filing Date: 04/05/11

Brooks, Scott D.
2559 Boston Road
Wilbraham, MA 01095
Chapter: 7
Filing Date: 03/31/11

Bruso, Diana Lynne
40 Burford Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 03/31/11

Bushee, Christopher S.
619 College Highway
Southwick, MA 01077
Chapter: 7
Filing Date: 03/31/11

Clark, Joseph J.
927 Burt Hill Road
Tolland, MA 01034
Chapter: 7
Filing Date: 03/31/11

Collins, John H.
Collins, Donna M.
25 Lincoln St.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 04/08/11

Connor, Katherine J.
49 Phelps St.
Easthampton, MA 01027
Chapter: 7
Filing Date: 04/05/11

DesRochers, Lyn A.
a/k/a Chevalier, Lyn A.
a/k/a Elderkin, Lyn A.
9 Mechanic St.
Monson, MA 01057
Chapter: 7
Filing Date: 04/06/11

Drinkwater, Judith A.
258 Fountain St.
Springfield, MA 01108
Chapter: 7
Filing Date: 04/06/11

DS Realty Trust
55 Ridgecrest Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 04/06/11

Eastman, Ann M.
48 Mosher St.
Holyoke, MA 01040
Chapter: 13
Filing Date: 04/04/11

Erbentraut, Phillip A.
36 Guy Place
West Springfield, MA 01089
Chapter: 7
Filing Date: 04/11/11

Ferris, Nathan J.
474 East River St.
Orange, MA 01364
Chapter: 7
Filing Date: 03/31/11

Forand, Michael D.
96 Cayenne St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 04/06/11

Ford, Martha M.
29 Marion St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 04/07/11

Galindrez, Rosa A.
a/k/a Rodriguez, Rosa A.
159 Cyran St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 04/12/11

Garcia, Vanessa Ivette
59 New Ludlow Road Apt. 2D
Chicopee, MA 01020
Chapter: 7
Filing Date: 04/05/11

Gerry, Timothy M.
109 Kent Road
Springfield, MA 01129
Chapter: 7
Filing Date: 04/05/11

Gordievsky, Andrei
230 Breckenridge St.
Palmer, MA 01069
Chapter: 7
Filing Date: 04/05/11

Gorman, Daniel W.
25 Amherst Ave.
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 04/01/11

Huot, April D.
P.O. Box 574
Southwick, MA 01077
Chapter: 7
Filing Date: 03/31/11

Johnson, Heather M.
a/k/a Norway, Heather M.
18 Summer St.
Orange, MA 01364
Chapter: 7
Filing Date: 03/31/11

Kafi, Kamran
Kafi, Ana T.
42 Cricket Road
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 04/06/11

Kelley, William D.
Kelley, Vivian A.
153 Woodside Ter.
Springfield, MA 01108
Chapter: 13
Filing Date: 04/07/11

Kimball, Steven D.
39 Lafayette St.
Springfield, MA 01109
Chapter: 7
Filing Date: 04/06/11

LaFogg, Tiffany
36 Hope Farms Dr.
Feeding Hills, MA 01030
Chapter: 7
Filing Date: 03/31/11

Lapointe, William C.
LaPointe, Karen M.
359 Holyoke Road
Westfield, MA 01085
Chapter: 7
Filing Date: 04/06/11

Laurent, Patricia A.
65 Columbus Ave.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 04/08/11

Lopez, Aurelio
72 Virginia St.
Springfield, MA 01108
Chapter: 7
Filing Date: 04/05/11

Macznik, Eric A.
Macznik, Claudia C.
52 Posner Circle
Ludlow, MA 01056
Chapter: 13
Filing Date: 04/05/11

Mao, Khey
Tim-Mao, Soeun
68 Fargo St.
Springfield, MA 01119
Chapter: 13
Filing Date: 04/06/11

Mark Williams Framing
Williams, Mark R.
P.O. Box 485
Athol, MA 01331
Chapter: 7
Filing Date: 03/31/11

Martinez, Elvira W.
1479 Page Blvd.
Springfield, MA 01104
Chapter: 7
Filing Date: 04/05/11

McDonald, Ronnie
McDonald, Sharon
56 Chesterfield Ave.
Springfield, MA 01118
Chapter: 13
Filing Date: 04/08/11

Milano, Virgilio N.
Milano, Merry M.
1063 Allen St.
Springfield, MA 01118
Chapter: 7
Filing Date: 04/05/11

Moriarty, David F.
61 Trinity Ter.
Springfield, MA 01108
Chapter: 7
Filing Date: 03/31/11

Murach, Eva M.
105 Friend St.
Adams, MA 01220
Chapter: 7
Filing Date: 04/11/11

Murr, Donna J.
69 Chiswick St.
Longmeadow, MA 01106
Chapter: 7
Filing Date: 04/05/11

Murray, Erik B.
P.O. Box 824
Sheffield, MA 01257
Chapter: 7
Filing Date: 04/06/11

Murray, Mary J.
29 Laurel Lane
Sheffield, MA 01257
Chapter: 7
Filing Date: 04/06/11

Nareau, Wayne A.
Nareau, Darlene J.
69 Bruni Ave.
Ludlow, MA 01056
Chapter: 7
Filing Date: 04/07/11

O’Connor, Carolyn Marie
P.O. Box 131
North Hatfield, MA 01066
Chapter: 7
Filing Date: 04/07/11

Parisi, Joseph G.
Parisi, Christine A.
a/k/a O’Brien, Christine A.
10A Lois St.
Lee, MA 01238
Chapter: 7
Filing Date: 04/11/11

Poudrier, David Christopher
Poudrier, Jennifer Ann
a/k/a Dunham, Jennifer
4 Hicks Circle
Easthampton, MA 01027
Chapter: 7
Filing Date: 04/08/11

Prentiss, Ryan D.
Prentiss, Jennifer L.
76 Brookside Road
Orange, MA 01364
Chapter: 7
Filing Date: 03/31/11

Proskin, Daniel S.
122 North St.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 04/11/11

Rauber-Patton, Amy E.
14 Florence Road
Easthampton, MA 01027
Chapter: 7
Filing Date: 04/05/11

Reynolds, Derek S.
47 Prince St.
Springfield, MA 01104
Chapter: 7
Filing Date: 04/07/11

Roberts, Kenneth J.
41 Wilson Ave.
Westfield, MA 01085
Chapter: 13
Filing Date: 03/31/11

Santamaria, Maria
622 White St.
Springfield, MA 01108
Chapter: 13
Filing Date: 04/07/11

Semprit, Reinaldo
2295 Main St. #25
Springfield, MA 01107
Chapter: 7
Filing Date: 03/31/11

Sheldon, Jonathan A.
71 Pontoosic Road
Westfield, MA 01085
Chapter: 13
Filing Date: 03/31/11

Siano, Amanda H.
a/k/a Jones, Amanda H.
447 East St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 04/12/11

Slattery, Ashley
a/k/a Lafreniere, Ashley
146 Union St., Apt. 2R
West Springfield, MA 01089
Chapter: 7
Filing Date: 04/01/11

Smith, Kathryn A.
70 Pine Ridge Road
Montgomery, MA 01085
Chapter: 7
Filing Date: 03/31/11

Stanton, Christine H.
a/k/a Middleton, Christine H.
13 Daniels Ave.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 04/07/11

Stowell, Thomas S.
179 Holtshire Road
Orange, MA 01364
Chapter: 7
Filing Date: 03/31/11

Thrasher, Danielle R.
127 Three Rivers Road
Palmer, MA 01069
Chapter: 7
Filing Date: 04/06/11

Torcia, Francis C.
Torcia, Mary
7 Oxford Lane
East Longmeadow, MA 01028
Chapter: 13
Filing Date: 04/01/11

Tower, Christen
a/k/a Joynt, Christen
213A Kendall St.
Ludlow, MA 01056
Chapter: 7
Filing Date: 04/07/11

Trombley, Bonnie A.
11 Boutin St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 04/07/11

Vigneault, Valerie L.
85 Maxwell Road
Monson, MA 01057
Chapter: 7
Filing Date: 04/12/11

Vivenzio, Salvatore J.
24 Dwight St., Apt. 1
Agawam, MA 01001
Chapter: 7
Filing Date: 04/06/11

Watson, Linda L.
128 Westwood Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 04/06/11

White Bear Marketing
Leslie, Robert M.
Leslie, Muriel D.
419 Southwick Road
Westfield, MA 01085
Chapter: 7
Filing Date: 04/12/11

Zaharias, Sandra D.
92 Long Pond Road
Westfield, MA 01085
Chapter: 7
Filing Date: 03/31/11

Building Permits Departments

The following building permits were issued during the month of April 2011.

AGAWAM

John Salema
158 Silver St.
$35,000 — Remodel sales area

Oak Ridge Golf course Inc.
850 S. Westfield St.
$12,000 — Replace 12 antenna panels

AMHERST

Amherst College Trustees
151 College St.
$237,000 — Verizon Wireless upgrade

Amherst College Trustees
Tyler Dorm
$29,600 — New roof

CHICOPEE

660 Broadway Street, LLC
660 Broadway St.
$60,000 — Renovate office areas

Chicopee Crossing, LLC
530 Memorial Dr.
$865,000 — Construct restaurant and multi-tenant retail space

Timothy Driscoll
733 Chicopee St.
$7,000 — Construct new bar counter at Monty’s Roadhouse

EASTHAMPTON

City of Easthampton
100 Bassett Brook
$10,000 — Construct a closet for IT equipment

HADLEY

Alandev, LLC
245 Russell St.
$11,000 — Alteration of units 9 and 10 for office space

Pearson Hadley, LLC
380 Russell St.
$117,000 — Interior build-out of tenant space

HOLYOKE

Cunningham Equities, LLC
306 Race St.
$420,000 — Tenant fit-up for Holyoke Professional Arts Center

Michael Barron
23 Hitchcock St.
$12,000 — New roof at restaurant

NORTHAMPTON

39 Main St., LLC
39 Main St.
$53,000 — Interior renovations

Chamisa Corporation
23 Main St.
$12,500 — Renovate men’s room

Cutlery Building Associates
320 Riverside Dr.
$3,200 — Replace beam supporting roof

Kungbao, LLC
16 Crafts Ave.
$335,000 — Renovate interior for restaurant

Nonotuck Mills, LLC
296 Nonotuck St.
$159,000 — Frame out exterior walls for Servicenet

Nonotuck Mills, LLC
296 Nonotuck St.
$7,700 — Install partition wall for storage

Saga Communications of NE Inc.
15 Hampton Ave.
$19,000 — Change facade panels

Six Hatfield Associates
6 Hatfield St.
$47,000 — Interior renovations

Smith College
126 West St.
$244,000 — Renovate to create public safety office

William & Evelyn Mock
104 Damon Road
$80,000 — Re-roof self storage facility

PALMER

Eva Labonte
1207 South Main St.
$30,000 — Construct Storage building

SPRINGFIELD

Baystate Medical Center
380 Plainfield St.
$57,000 — Renovations to pharmacy

Century Investment
449 Sumner Ave.
$4,000 — Renovations

Roca
25 School St.
$225,000 — Interior remodel

Suffield Pattern Works
576 St. James Ave.
$16,000 — Re-roof

WESTFIELD

Devcon Shops, LLC
457 East Main St.
$120,000 — Remodel for new fitness center

Departments Picture This

Send photos with a caption and contact information to:  ‘Picture This’ c/o BusinessWest Magazine, 1441 Main Street, Springfield, MA 01103 or to [email protected]

The Power of Choice

Women’s Leadership Conference 1
Bay Path College staged its 16th annual Women’s Leadership Conference on April 29 at the MassMutual Center. More than 1,000 attendees took in the day-long event, which took the theme ‘The Power of Choice,’ and featured keynoters Wes Moore, a youth advocate, Army veteran, business leader, and author of The Other Wes Moore; Alison Levine, team captain of the first American women’s Everest expedition; and Victoria Kennedy, attorney and advocate for health care reform and women’s issues.
Women’s Leadership ConferenceAt above left, Levine (center) talks with Bay Path President Carol Leary and her husband, Noel. Bottom left, the large crowd mingles in the concourse area.











Coming Together

Elms College and Springfield Technical Community CollegeElms College and Springfield Technical Community College recently announced a new partnership through which classes in an Elms bachelor’s degree completion program in social work will be held at STCC. The program will benefit STCC students and alumni, as well as area residents with associate’s degrees, who are interested in a career in social work. Seen at the announcement are, left to right: Richard Parkin, assistant vice president for Academic Affairs, STCC; Walter Breau, vice president for Academic Affairs, Elms College; Ira Rubenzahl, President, STCC; and Sr. Mary Reap, Ph.D., President, Elms College.





Celebrating Entrepreneurship

Harold Grinspoon1
Harold Grinspoon2
Harold Grinspoon3
Harold Grinspoon4The Harold Grinspoon Charitable Foundation Entrepreneurship Initiative Awards Ceremony and Banquet was staged April 27 at the Log Cabin Banquet & Meeting House in Holyoke. The event featured an Elevator Pitch Competition featuring representatives of all the area colleges and universities. From top left: Lindsay Weaver, winner of the Elevator Pitch Competition, shares her idea for a business called Polar-EYES (a soft contact lens that provides outdoor UV protection, the power of polarization, and can transition from dark to light as traditional sunglasses do); Harold Grinspoon (light jacket) and keynote speaker Johnny (Earle) Cupcakes (center, front) are joined by the spirit winners from area colleges; Nate Lare, a student entrepreneur whose company, RDS Enterprise, provides a self-contained, semi-permanent disaster-relief housing kit, was the runner-up in the Elevator Pitch Competition; Adena Lavin (right), a student entrepreneur from Mt. Holyoke College, is seen at her exhibit of kale snacks. Her business is called ‘Pow! Chow,’ and she’s assisted by Lauren Palulis. Their exhibit was was one of 35 at the awards ceremony.
Photos by Shana Sureck

















Not Just Business as Usual

Not Just Business as Usual1
Not Just Business as Usual2
Not Just Business as Usual3Al Verrecchia, retired CEO and chairman of the board of Hasbro, was the keynote speaker for a program titled Not Just Business as Usual, presented by the Springfield Technical Community College Foundation on April 26. Event organizers also honored two area companies, Balise Motor Sales and Smith & Wesson, for their continued success and contributions to the local community. From top, STCC President Ira Rubenzahl (right) with Smith & Wesson CEO Michael Golden, and Rubenzahl with Balise President Jeb Balise. Emcee Frank Quigley (left), president of F.D. Quigley & Associates, a member of the STCC Foundation Board, and vice president of the STCC Alumni Advisory Board, with Michael Oleksak, executive vice president of Berkshire Bank and president of the STCC Foundation Board.

















Royal LLP Open House

Royal LLPThe law firm Royal LLP staged an elaborate open house on April 14 at its new location at 270 Pleasant St. in Northampton. Here, Principal Amy Royal, left, with Anne Weiss, owner of Weiss Consulting.

Features
El Silencio Offers the Authentic Costa Rican Rainforest Experience

Editor’s Note: This is the first in an occasional series on executive travel destinations.
CostaRicaWhat’s in a name?
Well, when it comes to the El Silencio Lodge & Spa in Bajos del Toro, Costa Rica, there’s plenty.
El Silencio means ‘the silence’ in Spanish, and that’s exactly what guests get in this back-to-basics getaway experience — other than the sound of tropical birds, you won’t hear much else. The rainforest clouds that surround El Silencio offer a quiet solitude, a refreshing retreat from the hustle and bustle of modern-day work and life. While the quiet of the rainforest takes a little getting used to, once you do, you’ll find it relaxing, empowering, and highly spiritual.
But the sound of silence is only one of the ways El Silencio and this somewhat remote area of Costa Rica touch the senses — all of them. The views of the rainforest at El Silencio are spectacular, and the numerous nature trails bring visitors deep into the rainforest. Along the way you will encounter some of the most beautiful flora and birds in the world. Don’t forget your camera!
Meanwhile, the locally grown food served in the lodge is fresh, exotic, and delicious. El Silencio offers visitors the authentic Costa Rican experience, in every sense of that word.
The lodge itself is unique in many ways, starting with the setting. It is quiet, colorful, and, in one word, unforgettable. The hotel is quite literally in the middle of the rainforest. It was built in a sustainable manner with products from the local environment and built by local workers. El Silencio is about an hour drive from Juan Santamaria International Airport in San Jose.
There are 16 cottage suites in total. While small, probably about 400 square feet, they are intimate and quite cozy. The early-morning chill and foggy mist are enhanced by the deep valley the property is situated in.
A personal concierge with a wealth of rainforest knowledge is assigned to each party for the length of their stay. Staff members are incredibly friendly and go out of their way to make each stay as comfortable and memorable as possible. As part of the experience, visitors are encouraged to plant a complimentary tree in memory of a loved one and can come back year after year to see its growth.
But don’t visit El Silencio if you want to stay in your villa and watch CNN. There are no televisions in the rooms — there is one in the main lodge, along with Internet, for those who can’t be without it — but that’s fine because there are plenty of things to do to get one’s mind and body occupied.
Starting with the hiking trails, which provide the full, rich flavor of the rainforest and the cool, misty air, along with picturesque waterfalls, the beauty is awe- inspiring. The lodge sits amid 500 luscious acres surrounded by two national parks. Nearby are other family-friendly activities such as horseback riding, ziplining, and water rafting. The town of Sarchi is about 45 minutes away and provides tourists an array of artisan woodworking shops and products from indigenous Costa Rican trees.
The lodge’s restaurant serves only organic chicken, fish, and vegetarian dishes, which are grown on site. The menu is only one of the ways El Silencio brings its guests back to the basics of life and nature; the resort offers meditation and yoga retreats that help beat back the stress from the world guests leave behind when they check in.
El Silencio is a must-stay for those who  have ever thought about visiting Costa Rica or experiencing the rain forest. It’s ideal for honeymoons, anniversaries, and executive getaways.
Some might say it’s in the middle of nowhere, but there’s another way to sum it all up: it’s in the middle of somewhere special.
Room prices vary, but are affordable by U.S standards. Call +011 (506) 2761-0301 for more information; www.elsilenciolodge.com
— John Gormally

Sections Supplements
Gas Prices Shroud Summer Travel Season with Question Marks

Mary Kay Wydra, left, and Michele Goldberg

Mary Kay Wydra, left, and Michele Goldberg show off some of the advertising aimed at drawing people from the Boston area to Western Mass.

There are a number of traditions that are part and parcel to summer in this region — fireworks on the Fourth of July, family getaways to the lake, and stops for ice cream at roadside soft-serve stands, to name just a few.
Two more have been added in recent years: high gas prices, and seemingly endless speculation about the impact they will have on the local tourism industry. And those traditions will continue in 2011. Gas prices are already at $4 per gallon, and most analysts say they will go much higher. This has many restaurateurs and tourist-attraction managers understandably nervous, but there is also the sentiment that the fuel prices will keep people closer to home for their summer fun.
“For Americans, taking a summer vacation is a birthright,” said Mary Kay Wydra, director of the Greater Springfield Convention and Visitor’s Bureau. “People are going to travel, but they will probably make different choices. Based on the fact that it costs $60 to $80 to fill a gas tank, they may visit two attractions instead of three, and may eat at less-expensive restaurants.
“It’s very important this year that destinations show value to the customer,” she continued, hitting on a point that she and others would stress repeatedly as they assessed the approaching summer season.
And to that end, the bureau is teaming up with area venues to offer vacation packages that include hotel stays combined with discounts to hot spots such as the Naismith Memorial Basketball Hall of Fame in Springfield and Six Flags in Agawam.
This year, another of the bureau’s goals is to capture the interest of people in the eastern part of the state. “Our feeder markets are Boston, Connecticut, and New York, and we are targeting our marketing efforts in the Boston area this summer,” Wydra said.
A number of marketing initiatives will kick off in June, including digital billboards, online advertising, and a free coupon book that will be distributed at Exit 6 and Exit 15 on the Mass. Turnpike for a weekend, with signs posted before the exit to alert drivers to the giveaway who might otherwise breeze through the fast lane.
“We are cautiously optimistic about the summer. Our visitor numbers are never as high as major metropolitan areas like Boston, but they are also never as low,” Wydra said. “We are a drive-to destination, so it is important that we do everything possible to respond to rising gas prices. Destinations that get creative and show value to consumers are the ones that are going to be successful.”
For this issue and its focus on tourism, BusinessWest talked with a number of people in this sector about what they expect this summer, and what factors will determine the volume of travel — and spending.

Current Events
Wydra said the area is fortunate to have upcoming events designed to draw large crowds, such as the enshrinement at the Basketball Hall of Fame on Aug. 12, not to mention the Hoop City Jazz & Art Festival (July 8-10), Indian Day at the Museum of Springfield History (July 17), a Mini-Grand Prix car race in downtown Springfield (July 23-24), and the Six Flags concert series. “And if you go farther north, there are outdoor attractions which include zip lines,” she said.
Michele Goldberg, director of marketing for the Visitor’s Bureau, agrees. “There are two zip lines and three whitewater-rafting businesses in Charlemont. Plus there is the Quinnetukut Riverboat cruise in Northfield, the Lady Bea cruise at Brunelle’s in South Hadley, and boating, hiking and fishing,” she said.
Wydra touts the views from the rivers as attractions in themselves. “They are incredible, and the rivers are a magnet that attracts people of all ages,” she said.
Cliff Stevens is cautiously optimistic about the upcoming season. He owns Moxie Outdoor Adventures in Charlemont, which offers white-water rafting, family float trips, and related river activities. He says weather is always a major factor in the business.
“But last year we had a good season and held our own. We are expecting to do about the same this year,” he said.
The downturn in the economy has affected his bottom line, but Stevens hasn’t raised prices in about five years because he knows it’s important to keep excursions affordable.
“I think it will be a good season for local tourism,” he told BusinessWest. “We are no more than a tank of gas away for many people, so I’m optimistic that families will get out and relax. The trips we offer include lunch and have held up during the recession because they are a good value. There are five campgrounds in Charlemont, and people can stay at them, take a hike, go rafting, and have a nice getaway weekend, which has helped us.”
However, the soaring cost of gas has affected his employees, who typically have full-time jobs and work as river guides on weekends because they enjoy challenging situations as well as being on the water. “Some come from Boston, and the first question they’re asking is if I will give them money for gas,” Stevens said. “They are more hesitant to work for a day even though that has been their tradition.”
He is honoring their request because it is difficult to find professionals with enough expertise to navigate waterways that can quickly become treacherous.

Tanks for the Memories
Kevin Kennedy says the geographic area that stretches from the Berkshires to Springfield is home to more than 700,000 residents. “That’s a good-sized audience of people who don’t have to drive more than an hour to get to us,” said Kennedy, staff liaison of Museums10, a collaboration of seven campus museums and three independent facilities that have joined forces to attract visitors. The consortium is facilitated by Five Colleges Inc., which provides administrative support from its Amherst office.
“Each one has a different audience and different strengths, but there is also a lot of overlap,” Kennedy said. He views times such as these when gas prices soar and travel becomes more expensive as an opportunity to reach out to local audiences.
The group conducts an annual survey based on zip codes to gauge the economic impact their visitors have on the economy. Most guests drive from locations less than 90 minutes away, with many coming from Boston, Albany, New Haven, and Brattleboro.
“Because it’s an easy drive, people don’t have to wince too hard when they fill their gas tanks,” Kennedy said. “We’re also seeing folks from Hampshire County who have lived here for years and have been to some of the museums, but not all of them. People are looking for opportunities in their own backyards, and I think it’s good to have an increase in local visitors.”
The license-plate survey, which began in 2007, shows the most notable shift in attendance is the percentage of people from Massachusetts. In 2007, 37.9% of visitors came from the Bay State. That number rose to 47.3% the following year, held fairly steady at 45.6% in 2009, and climbed to 51.9 % last year.
Museums10 is looking to add value to its visits, and although six of the 10 museums don’t charge admission, they do feature gift shops, so the consortium is thinking about creating a card that would offer people reduced admissions and/or gift-shop discounts.

Soar Subject

Mike Desrosiers

Mike Desrosiers says he’s optimistic about the year ahead at the Basketball Hall of Fame.

Meanwhile, things seem to be on the upswing at the Naismith Memorial Basketball Hall of Fame. And Marketing and Media Representative Mike Desrosiers thinks this will be a good season.
“If the recent spring vacation was any indication of how the summer will play out, we are very hopeful,” he said, referring to April school-vacation week. “We had an attendance level that trumped what we’ve done in the past few years, and that is always encouraging.”
Officials at Yankee Candle Flagship in South Deerfield are also optimistic, but their confidence stems largely from measures they have taken to attract visitors.
“We typically see 1 million to 1.5  million people every year,” said Jim Ovitt, director of retail operations. Most guests are within a 2 ½-hour drive, and when gas prices rose in 2008, Yankee Candle Flagship saw more local traffic and fewer visitors from outlying areas.
Its strategy has been to implement a continuous stream of new offerings that keep the attraction fresh and provide more reasons for visits.
“Several years ago when gas prices rose, we looked at what we could do strategically around key events that would drive traffic to this location,” said Ovitt, adding that such efforts have kept the company’s numbers stable. “The fact that we have free admission and offerings for every age makes us very attractive to families of two or more.
“We try to change things to make newness part of the excitement,” he continued, “with events, entertainment, and attractions within the store such as our Wax Works, where people can create their own candles from wax beads with layers of fragrances. It has been so popular, we had to renovate the area twice to add more capacity.”
The candy shop is under renovation, and will reopen as Yankee Candy, while Santa’s Toy Shop is being expanded in line with its successful marketing strategy.
The New England Air Museum in Windsor Locks, Conn. has not experienced the same success. Although the facility is only about 20 minutes from downtown Springfield and a member of the Greater Springfield Convention and Visitor’s Bureau, the attraction has not been faring well, said Assistant Director Debbie Reed.
“The state line seems to scare people off,” she said. “It’s almost like a barrier, and we don’t know why.”
Museum officials hope to reverse this trend via a radio-advertising campaign aimed at the Springfield market. There is optimism, but administrators are adopting a wait-and-see attitude.
“January was terrible because of the weather; the last three months have been OK, but there is uncertainty because of the gas prices,” she said. “This season could be good, or it could be bad; we don’t know what to expect.”
However, a number of special events are also on their menu, including the annual Space Expo, which typically draws visitors from Rhode Island, Connecticut, Vermont, and parts of Western Mass.

The Bottom Line
Looking ahead to the summer season, the ever-optimistic but also realistic Wydra said there are a number of question marks hanging over the tourism sector — another tradition of sorts.
But while there is a good dose of concern about whether gas prices will temper visitation to area attractions and overall spending, there is widespread optimism that this sector will withstand that challenge and post solid numbers.
But as Wydra and others said many times, it all comes down to providing value.
“The term ‘new’ is so important, as new elements keep people coming back,” Wydra said. “And our attractions are always reinventing themselves.”

Features
Working in Paradise City Certainly Has Advantages

Crist Myers, president and CEO of Myers Information Systems

Crist Myers, president and CEO of Myers Information Systems, says the company’s Northampton location helps to enhance the creativity of its employees.


Six years ago, the owners of Myers Information Systems Inc. relocated the broadcast-software company from Holyoke to Northampton.
“We don’t do business locally or regionally,” said President and CEO Crist Myers as he explained that decision. “We moved here because we wanted to offer our employees the very best atmosphere we could find to enhance their creativity.”
The business is adjacent to the Norwottuck Rail Trail so employees can take a stroll or ride their bicycles on it. They can also walk downtown, which Myers said is a wonderful option when they need a break from work. “They don’t have to jump in their cars to go somewhere to have lunch. They can interact with people downtown where there is a blend of academics and professionals,” he said, adding that employees also take advantage of the many events and offerings available after hours and on weekends, which range from concerts to performances, restaurants, and pubs.
The fact that Northampton is the hub of the five-college area also made the city an attractive choice of mailing address, Myers said. “When you’re in the software business, it is important to have young, professional talent, and this area is conducive to attracting that kind of employee. We seem to get a higher quality of résumés here and can take advantage of the local college graduating classes.”
His rent is higher than it would be in surrounding communities. “But without a doubt, it’s worth it,” he told BusinessWest. “It is a nicer environment for employees, and in the long run, that is a positive for them and for an employer. They enjoy being here because it’s safe and quiet and there is alternative transportation — buses and walking and biking trails, which cuts down their expenses. Some of our employees ride their bicycles to work, which they couldn’t do before.”
There are many business owners in Northampton who use similar words to describe why they’re located in Paradise City, said Suzanne Beck, executive director of the Greater Northampton Chamber of Commerce. She agrees that Northampton is very appealing to young people and professionals because of the lifestyle it offers.
“It combines rural and urban characteristics and has everything from farmland to a vibrant downtown commercial district,” she said. “It’s also very easy to get to, and there are no traffic jams at any time of the day.”
Although rents downtown can be pricey, Beck says there are many different price points throughout the city, particularly for office space. And entrepreneurs thrive in all areas. “Entrepreneurs are attracted to Northampton because there is a very strong entrepreneurial character which is visible due to the mix of retail stores and commercial and professional businesses downtown. The entrepreneurial spirit is tangible here,” Beck said.
In addition, Northampton’s residents are well-rounded. Teri Anderson, the city’s economic development coordinator, says 91% have a minimum of a high-school diploma, and 50% have a bachelor’s degree or higher, making for a highly skilled and educated workforce.
“We also have a very good public-school system and offer business-development assistance through our office to help with site selection, resource and referrals, financial assistance, and business counseling sessions,” she told BusinessWest.
The single tax rate, set at $12.96 per thousand of assessed valuation, is another attractive draw. “It’s pretty low compared to a split tax where commercial and industrial property is taxed at $35 to $40 per thousand,” Anderson said, citing figures from surrounding communities. “And the proximity of the five colleges offers strong research capabilities and access to students for internships.”

Center of Attention
Northampton has a number of business hubs, including its downtown district, King Street and Pleasant Street, the I-91 Industrial Park, Village Hill, Florence Center, and the smaller Leeds Center.
“We have manufacturing and technology here, as well as a strong independent retail and restaurant sector,” Anderson noted. “Plus, Northampton’s commercial property values seem to hold their value even during recessions.”
Space is available for small and medium-sized businesses throughout the city, and opportunities exist at Village Hill, which occupies the grounds of the former Northampton State Hospital, which has been the subject of an ongoing reuse project for more than 20 years.
“Kollmorgen relocated to the village, and there is another 100,000 square feet available on smaller sites; it’s a good spot for small retailers and restaurants,” Anderson said, noting that there is a ready-made market of employees and residents who live in the 90 units on the property.
The downtown area is thriving and sees a steady stream of both foot and vehicular traffic. “We have one of the strongest downtowns in Western New England,” said Anderson. “We’re known as a cultural destination and have a large number of art organizations, businesses, and cultural events which range from art shows to music and concerts. In fact, Northampton has been listed among the top 25 art destinations in the country since 2000 by American Style magazine.”
The Three County Fairground, which serves as a showcase for cultural and agricultural exhibitions, also attracts tourists. “The Paradise City Arts Festival brings thousands of people to Northampton each year from all over New England and New York. It is important to downtown, as it is very beneficial to the retailers and restaurants,” Anderson said.
Pat Goggins has owned Goggins Real Estate for 30 years, and does most of the commercial rentals and sales business in Northampton. He said his job is made much easier because of the town’s well-deserved reputation as a cultural, retail, and culinary center.
“All people have to do is drive through the downtown area to see that it is thriving,” he said. “And the Business Improvement District, led by Dan Yacuzzo, helps make that happen.”
King Street and Pleasant Street benefit due to a ripple effect, he continued. “While they don’t have the same walkability as downtown, they lead directly there and are able to satisfy what the downtown area can’t in terms of demand.”
Meanwhile, Florence offers a village setting and is quieter than the downtown area, which some people appreciate. “It has its own business center and an industrial section in the old mill buildings, where space is available,” Anderson said.
Goggins concurred, and said Florence “has more of a service-based downtown but people love the quaintness and pace there.”
The industrial park is another attractive option. It is home to a wide range of ventures, including VOmax, which makes performance apparel for a number of sports, and relocated there from Plainfield in February of 2007.
“The top three reasons we moved here are access to a trained labor force, access to a major highway and metropolitan areas such as Boston and New York, and available space — we didn’t have the space to expand in Plainfield,” explained owner Michael Restuccia. “And the local access to art and design culture has certainly helped influence some of our newer products and designs.”
He said VOmax has taken advantage of the intelligent, well-skilled college population in the area. “We’ve hired a number of interns to help with initiatives, and have also engaged a local marketing and consulting firm to help build our brand,” he said. “They’ve helped us sign license agreements with the National Basketball Assoc., the National Hockey League, and Major League Baseball teams.”
The city is also becoming known as a prime location for green businesses and companies such as Environmental Compliance Systems Inc., which recently opened a new division in Florence in the Nonotuck Mill.

Thrive Time
Beck said one of the factors that attracts such companies is that the majority of Northampton business owners share similar values. “There are a lot of businesses here that are dedicated to supporting the community as well as their employees,” she said. “They are family-friendly.”
And while business owners and their employees support Northampton, it supports them as well, providing an attractive blend of commerce, activity, the arts, architecture, and, in a word, energy.
For visitors and business owners alike, it is truly paradise found.

Opinion
The Tuition Savings Gamble

States like Massachusetts that slash funding for public higher education during recessions and expect families to make up the difference with stock-based savings accounts are subjecting them to unacceptable risk.
It’s a maxim that, in times of economic recession, public colleges and universities get less state financial support. It last happened following the 2001 recession, when per-student state funding for public higher education dropped by 17%. Funding levels began to inch back up in 2005, but, by the time the latest recession hit, per-student state spending was still 8% below 2001 levels. Then, the bottom fell out. Nationally, state spending on higher education dropped 12% between 2008 and 2010.
But, unlike families who cope with less income by reducing their spending on non-essentials, colleges and universities are just turning to another revenue source, by asking parents and students to pay higher tuition. Massachusetts provides an excellent example: between 2003 and 2008, tuition paid by students and parents at public research universities such as UMass Amherst increased by 30%. State support increased by just 8%. In Massachusetts now, the state covers less than half the cost of educating a student at its public research universities.
This shift of costs from states to students and their families accelerated nationally between 2001 and 2005, when appropriations fell precipitously and tuition rose quickly. Around the same time, states latched onto so-called ‘529’ savings plans as a way to encourage families to save more for college. Named after the tax code section that governs them, 529 plans allow parents to put money into managed investment accounts and avoid paying taxes on their gains. Now, every state offers such plans, which are marketed as a safe, conservative way to save for college. Families have gotten the message and opened 10 million accounts over the past decade; those accounts contain $135 billion in assets.
In fact, these plans are not safe. Their viability as a savings option depends on the stock market rising steadily, with few dramatic ups and downs. But that’s not how the stock market works, as we know well from recent experience.
So, by pushing 529 plans, states have not only shifted the cost of college to parents, they’ve also burdened them with significant risks. Consider a Massachusetts family that started putting away the equivalent of $1,000 a month (in 2010 dollars) back in 1980. Over the next two decades, the rise in the value of the Standard and Poor’s 500 Index would have boosted the value of their savings by nearly 300%. Times were good, and the S&P had just crossed the 1,000-point barrier for the first time. By 2002, even with the rise in college tuition, that family’s 529 plan would have been worth enough to pay for 3.3 years at UMass Amherst.
But a family that started investing the same amount each month in 1990 would have had a different experience. By the time their son or daughter was ready to enroll at UMass in 2008, the S&P 500 was once again flirting with the 1,000-point mark, this time as the result of falling 20% in one year. The value of the family’s savings would have plummeted in late 2008, just as the stock market did, and would have covered only half a year’s tuition. Even if tuition had stayed constant from 1998 to 2008 — instead of doubling — that family’s savings would not have been enough to pay for a single year.
While a worker can put off retirement for a few years to allow his 401(k) to recover, students usually don’t — and probably shouldn’t — put off college in hopes that the stock market will rebound. With less time for parents to save and only a four-year window of time to spend their 529 account funds, families have less flexibility to ride out ups and downs in the market. Instead, they must rely more on the luck of good timing than on careful planning.
As state budgets continue to be squeezed by the recession, policymakers will no doubt push 529 savings plans even harder as a way to offset the rising cost of college. But as the U.S. continues this slow drift toward financing higher education primarily through personal contributions, we need to have a real debate about whether that’s a good idea. Parents shouldn’t have to gamble with their children’s college educations. Relying on the luck of millions of families is not a strategy for keeping public higher education accessible and affordable.

Erin Dillon is a policy analyst for Education Sector, an independent, non-partisan education policy think tank based in Washington, D.C.

Opinion
UMass Football: A Risk Worth Taking

We can easily understand why there is considerable skepticism about the decision at UMass Amherst to take its football program up a considerable notch to what’s known as the Football Bowl Subdivision (FBS).
Indeed, this move, which involves taking the school’s home games to Gillette Stadium in Foxborough, home to the NFL’s New England Patriots, comes complete with a big set of risks and question marks. Many are questioning the school’s contention that this move makes more economic sense than staying put in the Colonial Athletic Assoc., and they base this skepticism on questions ranging from ‘does anyone want to watch the Minutemen play Ball State?’ to ‘will students at the university board buses and kill a Saturday to take in football in Foxborough?’ to ‘just how many alumni living in the eastern part of the state will come out and support this team?’
These are all good questions, and many would answer them in a fashion that would fuel doubts about whether this move makes any sense at all.
But we think this is a risk — and there’s no other word for it — that is well worth taking at this time.
We won’t say the university has nothing to lose, because that’s simply not true; there’s plenty to lose, including money, time, and face. But there’s also plenty to gain, in terms of potential revenue, momentum, and much-needed respect and legitimacy — both in this state and well outside it.
What we like about this move is that it is consistent with others at the university to become more visible and also to become more of a force in this region and across the state. Of far more importance in these efforts is the work being done in the classrooms, the labs, and downtown Springfield, where the university is assuming a much greater presence. But football can be a part of it.
And in even simpler terms, we like the fact that university officials are reaching higher, and not settling for the status quo or moving backward. We could use a little more of that in this region. Despite all the questions about economics and geography (see story, page 6), we believe that this move sends a strong message that is consistent with other endeavors aimed at taking this school to a higher level.
As we said earlier, moving up a notch in football is nowhere near as important as the work UMass is doing off the gridiron. It’s certainly not as vital to this region’s or this state’s economic vitality as the efforts undertaken in conjunction with Baystate Health and other partners at the Pioneer Valley Life Sciences Institute. Or the work being done to promote entrepreneurship and mentor young business owners and thus providing them with better odds of succeeding, and succeeding in this area code. Or the initiatives being undertaken in conjunction with area precision machinists to develop new products, niches, and ways of doing business. Or the efforts to help stimulate a creative economy in Springfield’s central business district.
All of these are far more important and impactful than a move to the Mid-America Conference, games in a bigger stadium that may be only a quarter-full for many contests, the likelihood of a Thursday-night game on ESPN against Temple or the University of Buffalo, or, dare we dream, a trip to the Little Caesars Bowl some night in late December years down the road.
But football can be a part of taking this university to where everyone wants to see it go — a place of prominence, on par with the private institutions that have given this state its reputation as the place where the world comes to get an education.
We wish the Minutemen well in this endeavor. It could be a winning proposition in so many ways.

Features
As UMass Football Ascends, Question Marks Linger

UMass Athletic Director Jon McCutcheon

UMass Athletic Director Jon McCutcheon says there are risks in most all scenarios involving football at the university, but far more potential rewards with joining the MAC.


UMass administrators say the school’s planned move up a notch to the Football Bowl Subdivision (FBS) will provide the university with more prominence and legitimacy in the Bay State, and also improve the overall bottom line for football, meaning, at least for the immediate future, that it will likely lose less than it does now. But there are some who believe that both the math and geography — a university in Amherst and a football stadium 90 miles away in Foxborough — don’t work with this gambit.

‘Risk-reward.’
That’s a phrase, or descriptive adjective, used quite frequently in business, sports, or, in this day and age, the business of sports. It’s been deployed to categorize everything from golf holes to NFL draft selections, and implies that, for those willing to assume risk, there are potential rewards.
It’s also been heard with reference to UMass Amherst’s recent decision to make the move from what’s known as the Football Championship Subdivision (FCS) and the Colonial Athletic Assoc. (CAA) to the Football Bowl Subdivision (FBS) and the Mid-America Conference, or MAC. And it’s being used appropriately, said Jon McCutcheon, athletic director for the school.
“There are possible rewards, and there certainly are risks,” he told BusinessWest, adding quickly that what many are overlooking in the discussion of the merits of this move — and there’s been quite a bit of it — is that this phrase can and must also be applied to most all other options involving UMass and its football program, including the status quo, staying in the CAA.
“There are risks to just staying where we are, and there are fewer potential rewards,” he said, referring, in this case, to purely financial considerations.
Elaborating, McCutcheon and UMass Amherst Chancellor Robert Holub said there is movement within the CAA — some New England teams moving out or dropping football altogether, and additions coming with schools hundreds of miles to the south — that will make staying in that conference a more-expensive proposition for the university (more on that later).
Meanwhile, staying in the FCS will not offer UMass the same revenue-enhancing possibilities — from playing in a much larger stadium to securing larger guarantees for playing bigger non-conference rivals (such as Michigan, which the Minuteman played last year in Ann Arbor), to gaining a share of the MAC’s TV money from ESPN — that making the move will provide, said Holub.
“In middle conferences such as the MAC, you almost always lose money on football,” said the chancellor, who stressed repeatedly that finishing in the black is a feat reserved only for the biggest and most successful programs on the gridiron. “But you can wind up losing less. Your bottom line can be better.”

UMass Chancellor Robert Holub, left, with Robert Kraft, owner of New England Patriots

UMass Chancellor Robert Holub, left, with Robert Kraft, owner of New England Patriots, at last month’s announcement that the university had moved up to the Football Bowl Subdivision.

Still, this move to the MAC comes with a large number of ‘ifs’ that are already being contemplated by students, alumni, and college football followers. Indeed, there is mostly conjecture, and hardly any guarantees, about whether:
• MAC schools like Akron, Buffalo, Bowling Green, Temple (there’s a little history there from basketball), or Kent State will resonate with those abovementioned constituencies and prompt them to travel to Gillette Stadium in Foxborough, where most of the UMass games will be played;
• The university can gain some attractive non-conference games with area schools like Boston College and UConn and national powers like Michigan, which certainly seem more likely to be better draws than Ball State and Western Michigan;
• The estimated 100,000 alumni living within 30 minutes of Foxborough will become regular attendees of games; or
• The 2,500 to 3,500 UMass Amherst students who attended games on campus last fall will make the trek across the state to see their school play.
Considering these questions and others, Andrew Zimbalist, the noted sports economist and professor at Smith College, summoned his own adjective to describe the university’s gambit: “problematic.”
Hinting strongly that he believes there are too many risks and not enough potential rewards from this move, Zimbalist told BusinessWest that perhaps his biggest concerns are with simple geography, or, to be more specific, the 90 miles between the Amherst campus and Gillette Stadium.
“That’s an hour-and-45-minute drive, and to me that’s a parody of what college sports have become,” said Zimbalist, author of several books, including one titled Unpaid Professionals: Commercialization and Conflict in Big-Time College Sports. “The idea in college sports is that it was an entertaining distraction for the students after a hard week of cerebral work; it was a way a school could create some school spirit and a deeper sense of community. In my knowledge, there is no other school, among the 1,000-plus schools in the NCAA, that has a football stadium, or any other kind of stadium, an hour and 45 minutes away from campus.
“The longest drive I know about is the one at UConn — it’s about a half-hour from Storrs to East Hartford,” he continued, making the first of many unfavorable comparisons to the University of Connecticut’s football upgrade to the Big East, what’s known as a BCS, or Bowl Championship Series, conference. (The Huskies played in the Fiesta Bowl in January.)
Overall, there are many other concerns beyond geography, said Zimbalist, noting everything from the cost of getting the marching band to Foxborough to the prospect of paying much more for a head coach.
“It’s a difficult transition to make even when everything is done properly and even when you upgrade to a BCS conference,” said Zimbalist. “There are no guarantees, and you end up spending a lot more money.”
For this issue, BusinessWest takes an indepth look at the game plan for UMass Amherst, and breaks down those risks and the potential rewards.

Gaining Ground
The Mid-America Conference is certainly well-named. With the exception of Temple, located in Philadelphia, the other 12 current schools are all hundreds of miles to the west of Amherst, in the middle of the country.
There are six schools in Ohio — Akron, Bowling Green, Kent State, Miami, Ohio University, and Toledo — and also three from Michigan (‘Central,’ ‘Eastern,’ and ‘Western’), Northern Illinois, Ball State in Indiana, and Buffalo in Western New York.
The addition of UMass will allow the conference to balance its divisions — seven teams in both the east and west — and, much more importantly, penetrate the New England market and gain valuable exposure to the Boston and Hartford/Springfield markets, said MAC Commissioner Jon Steinbrecher.
“We were looking for ways to balance our divisions, strengthen the conference, raise visibility, and raise our stature academically,” said Steinbrecher. “And among the institutions we identified was the University of Massachusetts at Amherst; we both kind of reached out to each other at the same time.”
But while there seems to be little, if any, risk for the MAC in this initiative, there appears to be plenty of it for the university. However, both Holub and McCutcheon say these are risks worth taking based on a thorough analysis of the team’s options and the economics involved with them for the short and long term.
McCutcheon told BusinessWest that UMass has been exploring a number of options, including a move to the FBS, for several years now. These alternatives have always included (in theory, at least) moving down, to a lower division, or dropping football altogether, although neither has been considered a real option for the university.
Indeed, citing everything from tradition — UMass has been playing football since 1879, has captured 22 conference championships, and won what was then known as the I-AA national championship in 1998 — to the school’s marching band, Holub said dropping football has not been seriously discussed. “You don’t have a great marching band — and we have one of the best — unless you’re going to have them march at football games.”
Meanwhile, moving backward has not been much of a consideration either, said Holub, adding that this attitude reflects most everything at the university, not simply athletics. That sentiment is summed up in the comment he offered in a press release on the day the elevation to the FBS was announced. “We seek greatness in everything we do at UMass,” he said. “We promise national excellence and prominence to the citizens of the Commonwealth, and we deliver on that promise; moving to the FBS is consistent with our upward trajectory, as Minuteman football becomes part of our move toward national prominence.”
But while there have always been merits to an upgrade to the FBS, there have likewise been high hurdles — most particularly finding a conference willing to accept the university and, perhaps even more daunting, a stadium to play in.
Both those concerns were worked out in recent months, Holub noted, adding that, overall, a move to the FBS became a more alluring possibility due to changes within the Colonial Athletic Assoc.
There, several teams, including Northeastern and Hofstra, have dropped football or moved out, and the University of Rhode Island will soon be moving down a division, said Holub, adding that other schools have been added, including William & Mary, Old Dominion, and James Madison (all in Virginia) and Georgia Southern, but they are a plane ride, not a bus trip, from Amherst.
This movement, with the higher travel expenses that come with it, bring the economics of staying put into question, said McCutcheon. Elaborating, he said that UMass football has an overall budget of $4 million, with a current $850,000 contribution (Holub used the word ‘subsidy’) from the university’s general fund, and the rest coming from what is known as ‘program-generated revenue,’ which includes everything from ticket sales to concessions to guarantees from non-conference schools such as Michigan and Kansas State, which UMass played in 2009.
Looking down the road several years, there is a strong possibility that, if the university stayed in the CAA, that $850,000 subsidy would actually go up, because there would be additional expenses and no new revenues to speak of.
“When we looked at our expenses and revenues, as we got further out with the CAA, things looked worse than they do now,” said Holub. “In those situations, you contemplate the kind of move we made.”
Expenses will certainly go up with the move to the MAC, McCutcheon noted, citing everything from the need to bus students to Foxborough (which the school did for a game there last year against New Hampshire) to the probability of enlarging the coaching staff, but there is far greater potential for new revenue.

Passing Grade?
For starters, he pointed to the Michigan game last fall. UMass was given $500,000 to essentially become a non-conference ‘W’ for the Wolverines, and then almost won the game. In the FBS, such contests with national powers will yield $1 million and perhaps more, said McCutcheon, and there is now the possibility that such games could be played at Gillette.
Other potential attractive non-conference games at Gillette could involve Boston College (a long-time rival, although not in most recent years), UConn, and perhaps one or more of the military academies, although they are attractive targets and their schedules fill up fast.
There is also the MAC’s TV contract with ESPN, he continued, adding that UMass will get a share of this, and could well wind up on of the weekday night games that have featured a steady diet of MAC teams in recent years.
Add to all this the possibility of winding up in a bowl game — the MAC holds primary bowl agreements with the Little Caesars Bowl, the GoDaddy.com Bowl, and the uDrove Humanitarian Bowl, and a host of secondary bowl accords — and the prospects for revenues that can eventually reduce and perhaps even eliminate the subsidy to football seem bright, said McCutcheon.
“There will be an increase in costs the first few years because of the transition and getting our schedules in place and things like that,” he explained. “But if you look five years out, once we make the transition, our projections have us reducing that $850,000, and if you look seven years out, we have the potential to eliminate that altogether.”
But Zimbalist belives a lot of this is fuzzy math, at best, and a very large amount of wishful thinking.
He told BusinessWest that any move from the FCS to the FBS is fraught with peril and question marks, and the volume of both escalates exponentially when the upgrade does not involve a BCS conference.
“That’s why any comparison between this move and UConn’s is fallacious,” he said, “because UConn moved up to a BCS conference and UMass did not do that. So the revenue potentials are much different.”
Overall, Zimbalist said there are, in all likelihood, simply too many increases on the expense side, and not enough potential new revenue, to make this a winning proposition.
“You’re spending more not only on the stadium or stadium upgrades, but coaches’ salaries all of a sudden go from being a few hundred thousand dollars for the head coach to maybe a few million dollars,” he said. “And you probably have twice as many assistants, and they’re making a lot more money. You have more trainers, more training facilities, and additional athletic tutoring that you have to do.
“You also increase the possibility of academic scandals,” he continued, noting that such incidents have rocked many schools reputation-wise and also hurt revenues. “At the end of the day, if you’re not upgrading to a revenue-rich conference, you get a lot of stuff on the negative side and very little on the positive side. I don’t think this a prudent move, especially in this economic environment.”

In the Red Zone?
Holub told BusinessWest that, when it comes to potential rewards from the move to the FBS, there may be some that go well beyond dollars and cents.
Indeed, he noted that success on the gridiron, basketball court, and other venues has helped many schools gain visibility, respect, and a pronounced increase in the quality and quality of applications.
“There is an important part that football can play in campus life and especially in alumni relations and donor relations,” he explained. “It can also play an important part in your state relations; if we do what we want to do and get thought of as the state’s flagship institution, like Ohio State is in that state, or Wisconsin, for example, that would be a big step forward. And if football can help us get there — along with academics and research; we won’t stop doing those things, certainly — then it will have been worthwhile.”
“Football is not going to raise our school academically at all, because that’s not what it’s designed to do,” he continued. “It was designed for us to have greater prominence and legitimacy in the state of Massachusetts.”
For this reason and many others, Holub says the rewards more than outweigh the risks from this planned football ascension. Zimbalist is among those who see it the other way.
Only time will tell will who’s right, and whether the school with triumph, not only on the field, but with the bottom line.
For now, there is only anticipation … and all those question marks.

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

Health Care Sections
Joint Replacement Makes Significant  Strides

Dr. Henry Drinker

Dr. Henry Drinker says demographic trends and improvements in technology have combined to cause an exponential rise in the number of patients receiving new hips and knees.

It’s a surgery that doesn’t save lives, but does give patients their lives back. The field of total joint replacement has grown exponentially in recent years as technology and the materials used to replace arthritic joints have improved dramatically. Now, as the Baby Boomers enter their senior years and awareness of joint replacement grows among all age groups, procedures to implant new artificial knees and hips are expected to double and even triple in the next decade. Clearly, this is one surgical discipline making some great leaps forward.

Total joint replacement has long been considered a surgery for older, not younger, people — but not too old.
The rules, however, are changing.
“It’s mainly for arthritis, and arthritis is an age-related condition; most patients have been in their middle-aged years, some of them elderly,” said Dr. Henry Drinker, an orthopedic surgeon at Hampshire Orthopedics & Sports in Hatfield. “But more and more, we’re treating a younger patient population, due to a host of factors, including an increased emphasis on athletics and physical fitness, which has produced a lot of arthritic knees in younger people.”
Dr. Robert Krushell, medical director of the Hip and Knee Replacement Program at Baystate Medical Center, said the age of likely candidates for joint replacement has expanded on both sides of the spectrum.
“It’s common to see people coming into the office in their 50s, and sometimes younger than that, who need hip or knee replacement. And with the technology we have today, we’re much more comfortable offering it to people in that age range because it will last longer,” he said.

Dr. Robert Krushell

Dr. Robert Krushell says the age of likely candidates for joint replacement has expanded on both sides of the spectrum.

Meanwhile, “joint replacement has become much more common in people in their 80s,” he added. “I think that’s related to the fact that people are living longer, and they are staying otherwise healthy and more active. It’s common to see people coming in the office in their early to mid-80s, or older, in pretty good shape; they’re pretty robust and, if it weren’t for the arthritic joint, would be living very active lives.”
Those two trends point to one unmistakable fact: joint replacement is a very healthy field in which to practice today, with about 350,000 total knee replacements and close to 200,000 hip replacements being performed every year in the U.S., Drinker said. “And it’s on an exponential rise, partly because of Baby Boomers coming of age and experiencing arthritic joints.”
And that trend — both locally and around the country — is projected to continue over the next two decades, said Krushell. “Current projections say that the number of people getting hip replacements per year will double 10 years from now, and knee replacements will triple.”
Fortunately, doctors say, the technology that enables total joint replacement has improved, and the materials used have become more durable, to the point where the risk of complications has become much less for older patients, and artificial joints last much longer in people who undergo the procedure at a young age.
“There has always been a big concern about taking a damaged hip or knee in a young person and replacing it,” Drinker said. “You were pretty much guaranteed that the procedure would have to be done again in 15 or 20 years, or less, and redo procedures are much more invasive and much more destructive. So evolutions in the field have made it possible to bring this to a greater number of patients with joint problems.”
This month, BusinessWest takes a look inside the changing world of total joint replacement and the advances that have made the surgery safer, and the results longer-lasting, just as more and more Americans of all ages are clamoring for it.

Hip Knee Hooray
The practice of joint replacement can, and does, encompass shoulders, elbows, wrists, and hands, but the vast majority of cases involve hips and knees.
The procedure is essentially what it sounds like: removing a damaged joint and replacing it with an artificial one, usually made from plastic or metal. The materials may be cemented into place, or not cemented and instead designed for the bones to grow into the prosthesis; the latter tends to have a longer recovery time, but also lasts longer in the long run, often making it a better option for younger people.
Dr. Khalid “Kelly” Instrum, an orthopedic surgeon with Holyoke Medical Center, said patients, along with their doctors, make the decision to undergo total joint replacement based partly on how their arthritis or other condition affects their ability to partake in day-to-day activities.
“For a younger person, that might be their athletic ability, while for an older person it may be the ability to take a walk with their spouse. Joint surgery is purely elective, and it depends on how it affects them. We never tell people they have to have it; it doesn’t save their life, but what we do does improve their life. As long as someone is healthy enough to go through surgery, it is pain-relieving, and something that gives people their lives back.”
In recent years, Krushell noted, new bearing surfaces have been developed that wear much more slowly and withstand much more activity without excessive wear, increasing the projected lifespan of these implants. The cementless option is particularly exciting, he said.
“There’s no longer any glue to loosen over time. These bonds that the bone makes onto the implant seem extremely durable; we almost never see these hip implants loosen. It’s a radical change, and we’re hopeful that some of these implants will be bonded to the bone forever.
“In the area of knee replacements,” he continued, “we’ve seen similar improvements in the area of bearing materials, and we’re just starting to delve into using knee replacements that also don’t need bone cement in the hope that, just like hip replacements, we’ll find that knee replacements get more permanent bonding. That’s pretty new, cutting-edge technology for knee replacement that’s not being used much around the country, but it’s starting to slowly gain traction.”
Instrum has also observed a series of evolutions in the field, from new materials to the increasing use of minimally invasive surgical techniques.
“We can make smaller incisions without cutting the muscles, so the length of stay after surgery is reduced,” he said. “It allows people to get up and get going quicker. With the techniques we used to use, people had to watch how they bent over after hip replacement, but with modern techniques, often they don’t have to worry about those types of problems anymore.”
Drinker noted that, with minimally invasive methods, “the ease of recovery may be affected, and the pain to the patient is maybe less. Scars are smaller, and blood loss is lower.”
Still, he said, such surgeries are not standard across the discipline. “They have a steep learning curve and are fraught with complications. There will always be some surgeons who use these techniques, but I’m not sure they’ll be universally recognized everywhere.”
In addition to the emergence of minimally invasive surgery, allowing patients to recover more quickly, Krushell said, “another thing that’s been very helpful is some of the newest techniques in post-operative pain control. It hurts a lot during the first few days after surgery, but if you have good pain control, it can be a lot easier to get up and out of bed, do your therapy, and get good motion in your joint.”

Progress Around the Bend
Drinker, who is affiliated with Cooley Dickinson Hospital, touted CDH’s dedicated Joint Replacement Center as the wave of the future in this field.
“What we have here at Cooley Dickinson represents the state of the art,” he said of the 12-year-old department; before that, joint-replacement patients were part of the general hospital population. “In this segregated physical space in the hospital, those patients are the only patients on the floor. It’s almost a quarantined unit in the hospital, and it’s had a big impact on patient experience and outcomes. I believe it’s the only dedicated total joint service in New England.”
The primary advantage, he said, is that all nurses and physical therapists on the floor are trained in the subspecialty of joint replacement. Not only is the patient-nurse ratio small, but patients can expect a certain consistency of care since they aren’t being treated by nurses rotating in from other units.
“What’s really special about the joint center is that we have a specialized program for joint-replacement patients. We have a separate unit, and we have our own exercise room right here in our unit, and we have a pathway of care specifically for joint patients,” said Anne Ridabock, clinical coordinator of the center. “We try to do most joint surgeries on Mondays, then 99% of the time they’re discharged on Thursday. And they can follow this path together: group exercise every day, as well as individual exercises tailored to them.
“Our staff here is just so well-versed in caring for joint patients; they’ve undergone specialized training and have years of experience as well, and that makes for a very smooth, very efficient process,” she continued. ”The patients are continually telling us, ‘you work as a team here; you anticipate what we need.’ It’s an amazingly smooth operation.”
The setup also helps to control complications, particularly infections, Drinker said, noting that the national infection rate for joint-replacement surgery is about 1.5%, while Cooley Dickinson’s is around 0.6%. “One reason is that, by having a quarantined floor, these patients are not subject to hospital-borne infections to the extent they would be on a general medical floor.”
Ridabock said the unit’s focus on “going the extra mile” in infection control includes the hospital’s recent adoption of a cutting-edge system that disinfects patient rooms using ultraviolet light. “And all joint-replacement patients have to be cleared of infectious processes, because an infection in the joint is a real problem. Just having a specialized unit keeps complications low, patient satisfaction high, and really aggressive physical therapy possible.”
Having a specially trained nursing staff also cuts down on the incidence of dislocation in the first few days following the procedure, Drinker added. “The occurrence of a dislocation in the first few days after this operation is often related to nursing care and patient education.” Meanwhile, he added, group-therapy sessions allow patients to share each other’s apprehensions and triumphs.

One Step at a Time
Doctors share in such triumphs, too, and Instrum said it’s gratifying to see people able to do more things, whether it’s a young or middle-aged patient or a Baby Boomer who — like many members of that generation — intend to stay vigorous well into their retirement years. “Obviously it’s good for their general health and helps them be active.”
Krushell cited a patient who went on to achieve long-time goals, including visiting the Grand Canyon and the Great Wall of China. “She never thought she’d be able to do stuff like that. Then a lot of patients just say they want to go for walks with a parent or grandparent.”
Helping them get there, he said, is personally satisfying.
“I feel amazingly blessed to be in my field. In my normal day in the office, I see people starting to get their lives back again. People commonly say this is the best thing they’ve ever done, so it is very gratifying to see people who couldn’t get around before surgery get back to their lives again.”

Joseph Bednar can be reached at [email protected]

Health Care Sections
In the Trauma Bay, Work Is Carefully Choreographed

Dr. Reginald Alouidor

Dr. Reginald Alouidor, here consulting with surgical residents, says work in the trauma unit is a total team effort.


It is 4:56 p.m., and Dr. Reginald Alouidor is looking at his pager.
It is alerting him to the fact that an elderly woman is being transported from Cooley Dickinson Hospital in Northampton to the trauma unit at Baystate Medical Center. She had fallen in her home, suffering injuries to her face, as well as a broken wrist, but there are fears that she has also sustained brain injuries. “She was stable, but there was blood in her brain and the potential for deterioration,” Alouidor would explain later.
In the parlance of the trauma unit, this is what is known as a ‘category-2,’ or ‘cat-2,’ emergency, an incident less severe in nature than a ‘cat 1,’ which could be a serious motor-vehicle accident; a gunshot wound, or GSW, as one is called; a stabbing; or perhaps a paralyzing injury to an athlete.
But with either category, the message on the pager sets in motion a highly choreographed response that is part and parcel to life in the only level-1 trauma unit in Western Mass. When the patient arrives from CDH, the so-called ‘trauma team’ is ready and waiting to administer care that will continue long after the individual is taken from the trauma bay.
On this particular Monday, BusinessWest was a guest in the bay and surrounding emergency department to talk with team members about their work, its challenges, and rewards, and also record what would be considered a typical night in the trauma unit, although all those involved say there is no such thing.
Each day is different, said Alouidor, the attending trauma physician on this night, and unpredictability is the only constant.
Soon after the aforementioned patient, who suffered what’s known as a ‘mechanical fall’ arrives, the bay becomes awash in motion, with the various players — Alouidor, residents, a nurse, and others — attending to specific duties while trying to maintain order in what would be considered close quarters. There are a half-dozen people treating the patient, looking at information, and consulting with one another as data is pored over. In other instances, including most cat-1 cases, there may be two or three times that many people in the room (including security personnel and family members), necessitating what Alouidor calls “crowd control.”
“Having 10, 15, or even 20 people in the room is not unusual, and there’s a sign on the wall that identifies who is supposed to be there,” he explained. “It shows the room, it shows where the bed is, and it shows the position of each member of the team. As trauma-attending, when I have a very ill patient, I don’t just walk around the bed; I know where I’m supposed to stand — I have a position at the foot of the bed. My airway resident has a position at the head of the bed, the ED-attending has a position at the head of the bed, the trauma nurse and the trauma scrub nurse all have their positions marked out, they know where they’re supposed to be.
“So when we talk about choreography, or ballet, when we walk in the room, everyone knows their role,” he continued, “and everyone knows where they’re supposed to be.”
Life in the trauma unit is demanding, said those we spoke with, work that requires a broad mix of abilities, from the surgical skills needed to save lives to the soft skills one must possess to properly inform, comfort, and console patients’ family members.
“It’s a golden rule — the family needs to know what’s going on,” said Alouidor. “Even during resuscitation, family members have a right to be present, and someone from the team will detach from the team and stay at the side of that person so that they know what’s going on. If we admit a 4-year-old, the best medication I can provide to calm that child is his mother or father to hold his hand.”
Both tragedy and triumph, if it can be called that, can be found in the trauma unit.
“We make a lot of great saves here,” said trauma nurse Concetta ‘Chetty’ Jez, an evening supervisor in the emergency department and 38-year nursing veteran, who would emphasize that word ‘we’ with every comment she made about the trauma unit. “We don’t save everyone, but when you walk away, you’re thinking, ‘we really did it.’”
For this issue, BusinessWest talked at length with Alouidor and other members of the trauma team that night to gain a perspective on the choreography that goes on in the trauma unit, and how the ‘controlled chaos,’ as some described it, represents teamwork personified.

Step by Step
Alouidor, who was born in Zaire but is a citizen of Haiti and grew up in that country, told the BusinessWest that he’s always been drawn to emergency-room medicine and especially trauma care.
And in Haiti, where he did his first four years of surgical residency work, this care took on a different tone and tenor than what he would experience here later in his career, and provided different kinds of learning experiences.
“I come from a third-world country where our trauma systems are not as well as organized as here in the U.S.,” he explained. “Back home, we see things that you may have seen in the states 50 or 60 years ago, because at work, employees are not protected, and as a result, their hands get mangled in machines. Also, the streets are not properly lighted and the cars are not properly inspected, and as a result, you have a vehicle traveling with 20 people that was meant for 10, and when this vehicle tips over, everyone is injured.
“It’s a country where basic emergency services and transportation are not well-organized,” he continued. “So someone who has a car crash in a town 100 miles away from the capital is not stabilized and is brought to us by means other than an ambulance, and without having been properly screened or triaged. These are the patients that we had to take care of, so as a medical student, I was always very involved in the care of these patients and recall in my third and fourth year of medical school taking extra time to spend with residents in surgery so I could get more exposure to trauma.”
Alouidor would do a second surgical residency in New York City, and eventually came to Baystate in the summer of 2006. There, he spends roughly one-third of his time in what is the only level-1 trauma unit in the four western counties of Massachusetts — there is one at UMass Medical Center in Worcester and six in Boston — and one of three that serve Connecticut.
Level 1 is the highest designation for trauma units, and such facilities provde the highest level of care, said Dr. Ronald Gross, chief of Trauma and Emergency Surgery Services at Baystate Medical Center, noting that there are three levels of trauma facilities in Massachusetts, and as many as five in other states.
“If you take the overall spectrum of trauma, 100% of all injured patients, level-1 centers will care for about 15% of the trauma patients,” he explained. “All of the rest can be very well-cared for at community hospitals that are level 2 or less. The most severely injured patients should go to a level-1 center, and the statistics show that, if they do, you decrease their mortality by 25%. In fact, the numbers show that if you don’t take your patients to a level-1 trauma center and they go somewhere else first, mortality is four times that of those who go to a trauma center first.”
An emergency department is part and parcel of what is needed to have a level-1 trauma center, he continued, adding that trauma surgeons work hand-in-glove with emergency medicine physicians who staff the ER.
Key elements of a level-1 center include 24-hour in-house coverage by general surgeons and prompt availability of care in varying specialties, such as orthopedic surgery, neurosurgery, plastic surgery, anesthesiology, emergency medicine, radiology, internal medicine, oral and maxillofacial surgery, and critical care, said Gross.  In addition, a level-1 center has a program of research, is a leader in trauma education and injury prevention, and is a referral resource for communities in nearby regions.
The long, severe winter of 2010-11 has added to what would be considered a typical workload in the trauma unit — again, if there is such a thing, said Gross. He noted that there have been more weather-related motor-vehicle accidents, by his estimation, a higher number of serious slip-and-fall incidents, and considerably more cases of people falling off roofs, an obvious result of the heavy snowfalls and homeowners’ attempts — almost always ill-advised — to reduce the threat of collapse. Meanwhile, Alouidor said this winter has seen a high volume of what he called ‘interpersonal violence’ — “there’s been a lot of penetrating injuries, a lot of gunshot wounds and stabbings” — a statistical anomaly he could not explain.
A recent serious head injury, a true cat 1, provides an insightful look at the full breadth of the work performed by trauma-team members after the pager goes off — and well after the patient leaves the bay.
“He had a very severe brain injury, and at the time of admission, we were all concerned about the potential outcome,” Alouidor recalled. “This patient put in a week in our ICU in which he received what we categorize as maximum medical therapy.”
Elaborating, he said that surgical teams moved quickly to decompress the brain, a procedure gaining more acceptance after recent success with soldiers in Iraq and Afghanistan.
“A large fragment of bone is removed, and thus the brain has room to swell,” he explained. “When there’s a brain injury, the brain’s main response is to swell, and with the swelling, the pressure in the brain increases, and that’s what leads to complications. There are multiple medications we can use to decrease the swelling and decrease the pressure and stabilize the patient, but this patient did not respond to any form of medical therapy, so at that point we had to decompress his brain.
“Despite this, his brain pressures were not properly controlled,” he continued. “After several days, he eventually died. We spent those days with the family, hand-in-hand with his wife, his children, his parents; it was a very long process, and a case that shows how we’re not just taking care of the patient, but taking care of the family.”

On the Clock
When asked what he enjoys (if that’s an appropriate word) about trauma work, Alouidor said he takes a great deal of satisfaction from making a profound and often immediate impact on someone who is probably having the worst day of his or her life, but there is much more to it than that.
“I like what I do for a variety of reasons,” he explained. “It’s not only the relatively quick results, but also the fact that I really like taking care of my patients; I’m very busy and very involved in their care, and that’s rewarding.
“There’s a wide range of results in trauma,” he continued, adding that not all of them come quickly, and some are obviously tragic in nature. “It’s not only the person who comes in in extremus that you can turn around very quickly by properly resuscitating them in the emergency room, bringing them to surgery, and doing the right operation at the right time, and watching this patient turn the corner within hours and come back to life; that’s the best-case scenario, but they’re not all like that.”
On the Monday he spoke with BusinessWest, Alouidor’s day began at 7 a.m., and the shift would continue until 7 the next morning. That might seem like a long shift to most, but he’s used to it — so much so that his body’s ‘clock’ is impacted when he’s not working. Indeed, he finds that, when he’s on vacation, by the time he’s a few days into a trip, or about when he’d normally be taking a turn in the trauma unit, he finds himself staying up all night.
Since this Monday was relatively quiet, Alouidor was able to spend some time with BusinessWest and discuss the many nuances of work in trauma. He said he arrives each day expecting “anything and everything,” and quite often gets both.
There is often no rhyme or reason to the level of the activity in the trauma unit, although there are some circumstances that will obviously contribute to volume, he explained, noting that the frequency of motor-vehicle accidents increases with bad weather and poor road conditions, and, in general, more bad things happen when people are outdoors, such as the summertime.
And there is, he maintains, scientific evidence of — and common-sense explanations behind — surges in activity during hot weather and full moons.
“The heat does things to people,” he said with a smile. “There is actually data in the literature that demonstrates that, when it’s a warm summer night or when the moon is out, trauma departments are more busy, and this is something we have known for years. When it’s warm, people are outside, and when they’re outside, things tend to happen — accidents, people fall off the balcony — and some bad things, like fights. And when you have a full moon, there is light until very late, and since people are out later, there’s more potential for them to get into trouble.”
And while this Monday was uncharacteristically calm — until mid-evening, at least — there are occasions, and many of them, he noted, when the patient volume on the first day of the work week will prompt someone to say, ‘are you sure today is Monday?’
Penetrating wounds, especially those related to interpersonal violence, have been occurring with great frequency this winter and, in general, over the past several years, said Alouidor, who noted that, had there been a shooting on the night of BusinessWest’s visit, he probably would not have been at liberty to talk about it due to health care privacy regulations. So he used a hypothetical situation to discuss these cat-1 cases and all the ways the trauma unit responds, starting with what his pager would be telling him when it went off.

Teaming with Anticipation
“It would be alerting us to a ‘category 1, GSW,’” he explained. “There would be an age to follow, a location of the wound or wounds — chest, body, head — and there be be vital signs, blood pressure, heart rate, mental status, and EMS can tell us if the patient is critical, meaning minimum vital signs, or stable.
“And stable is a relative term —  young, healthy people can tolerate a lot before they crash, but when they do crash, they’re in trouble,” he explained, adding that ‘critical’ is a relative term as well, and one that refers to potentially life-threatening injuries and an individual who needs to be stabilized.
With the information from EMS in hand, the trauma team begins to mobilize, said Alouidor, noting that the information on his pager is also now in the hands of other departments and individuals whose services will likely be required. This list includes the ICU, the operating room, radiology, the blood bank, lab, and also pastoral care.
“We care for these patients, but also their families,” he said. “If someone arrives here and has their 25-year-old wife or 50-year-old mother or 17-year-old son with them, someone needs to sit down with these people and talk them through what’s going on. We’ll provide the necessary medical information, but they also need support; we want to make sure there’s someone there for the family if they need someone to talk to.”
By the time the patient arrives, the team members are ready, he continued, adding that, by this, he means they are gowned, masked, and fully prepared to perform the rapid assessment that is needed in such cases. Airway, breathing, and circulation are the first things checked, he said, adding that disabilities, mental status, and injuries are also assessed.
“I’m not distracted by the fact that someone has a hole in their chest and a hole in their abdomen and they’re screaming bloody murder,” he told BusinessWest. “What’s important to me is to see if the person is stable first, and then, in a very systematic fashion, we go over things. People look at us very cynically and say, ‘this guy’s been shot in the abdomen; why are you looking at the airway first?’ That’s because the first thing that’s going to kill this person is not the fact that they’ve been shot in the liver or in the blood vessels in the stomach. What’s going to kill them first is that they’re not breathing. What’s going to kill them afterward is the fact that they don’t have circulating blood.
“Then, we go on to assess the injuries and do what’s called a secondary survey,” he continued. “Then we make our decisions. Is this patient stable? Is he critical? Is this a patient we will do a workup on? This might be a gunshot wound we assess in ED and determine it’s not a penetrating injury. Then we can say, ‘it’s your lucky day; you got shot, and the bullet only grazed you,’ or ‘it didn’t go through any significant structures.’”
If the patient is critical and needs surgery, he or she is in the operating room within minutes, Alouidor went on, adding that other types of trauma, be they injuries from a car accident, fire, or fall from a roof, are assessed and treated in the same fashion.
And with every step in the process, the team is involved.
“I don’t work alone — I work with a team,” he stressed. “I could not provide the care I provide alone. And one of the reasons why modern trauma centers are so successful is not just because they have good doctors, nurses, X-ray technicians, or anesthesiologists. They are successful because they have good systems, and these systems are put in over months and years, and it is these systems that lead to good outcomes.”
Children make up a small percentage of the caseload in trauma, said Alouidor, adding that they bring some additional challenges to the fore.
Communication is one of them, he explained, adding that very young children can’t articulate what’s happened or where it hurts. “Parents can provide a story,” he explained, “but sometimes, that story is, ‘I was in the other room, I walked in, I saw him lying on the floor,’ so we don’t really know what happened in those circumstances. And to me, that’s one of the more challenging aspects of caring for kids.”
“Some people say it’s difficult to treat children because when you look at them you see your own children,” he continued. “And while that’s true, when I look at my patients, whether it’s the 20-year-old, the 45-year-old, or the 85-year-old, I tend to see someone I know. I think about my niece, who is 20 years old, I think about my brother, who’s 45, and I think about my parents. You tend to find yourself in any patient you’re seeing.
“It is more difficult to accept a child who has significant injuries, especially when you know the outcome will not be good, as opposed to someone who’s older,” he continued. “That’s not to say that you don’t care as much [with the older individual], but it’s easier to understand and cope with someone who’s 88 and coming to the end of their life than it is with a child who’s 4 who has a devastating injury and will live with those complications for the rest of his life.”

Work in Progress
‘The Q word.’
That’s the usually unspoken term for ‘quiet’ in the trauma unit — and in most hospital settings, for that matter.
Those who are superstitious won’t say it out loud, said Dr. Mazen Al-Mansour, a surgical resident at Baystate who spends good deal of his time handling trauma work. That’s because doing so will, in their minds, inevitably change the course of an otherwise calm evening in the bay.
Al-Mansour is a fourth-year resident in the Department of Surgery, which means he’s nearing the end of this long, grueling stretch of his training. He told BusinessWest he would like to become a general surgeon, but enjoys many aspects of trauma work, especially the pace and unpredictability of the work.
When asked if organized, or controlled, chaos would be a good way to describe what goes on, he said only those who don’t work in the unit would use that term, even if it is fairly accurate.
“Everyone knows exactly what’s going on and what’s going to happen next, when there are multiple traumas at the same time or when we get extremely sick patients,” he explained. “It can be a little chaotic, but that’s the nature of traumas.”
Echoing Alouidor, Al-Mansour said work in the trauma unit requires a mix of skills, from the ability to assess and treat a penetrating wound to the compassion needed to address the wants and needs of family members.
“We work closely with extensively trained trauma surgeons who have the experience of dealing with life-threatening injuries in different areas of the body and different kinds of trauma, such as penetrating trauma or blunt trauma such as a motor-vehicle accident or people who are struck by vehicles,” he said. “We get to work closely with these people — we get to be the first-assist when it comes to the operation, and we get to watch these people talking to families, and we get to be involved with the families as well.
“There are different levels of people who get involved, and different levels of experience,” he continued, “and a lot of mentorship and observation on the part of younger people to pick up on the skills and the knowledge of how to handle the trauma patients and their families.”
Jez, whose job it is to coordinate nurse activity in the emergency department, including the trauma unit, said trauma nurses are specially trained for their work, which is demanding physically and also emotionally, but in many ways rewarding.
“It’s one of the greatest places to work in, and the nurses, while they can feel stressed — it’s a very, very busy place — will say that they truly make a difference,” she said, adding that the nurses play a critical and yet often overlooked role in the ED and the trauma bay.
“When these patients come in to the trauma unit, there’s this huge hurry — everyone’s in this big rush, everyone’s all excited, and the adrenaline’s flowing,” she explained. “And the nurse is in the middle of it. It’s the nurse and the patient, it’s the nurse who brings in the family, it’s the nurse who does all the meds, it’s the nurse that’s doing all the re-evaluation, it’s the nurse who’s there when you’ve lost the patient, and it’s the nurse who makes the patient look presentable so the family can come in and see him.
“They do it because it they love it,” she said of the nurses and their work. “They cry a lot down there — that goes with this territory — and they find order in the chaos.”
Alouidor stressed repeatedly that ‘quiet’ — he’s not at all afraid to use the ‘Q’ word — doesn’t translate into not busy.
Indeed, trauma physicians have patients to continually evaluate and myriad other types of work to handle when beds 9 and 10 in the trauma unit are empty or emergencies have passed. And they know that, at any minute, even if the moon isn’t out or it’s warm outside, the pace of the evening can change dramatically — and often does.
That’s why there are systems and procedures and signs on the walls in the bay telling people where to stand. The only job description for the people who work in this unit is to be ready — before the pager alerts them to an arriving patient, and long after the controlled chaos begins.

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

Health Care Sections
Navigating the Minefield of Long-distance Caregiving

Gina Barry

By Gina M. Barry, Esq.

There comes a point when most of our nation’s elders will need assistance with various tasks, such as household management, bathing, dressing, medication management, meal preparation and eating, transferring, and/or using the restroom. In the past, such assistance was typically provided by family members; however, with the increased mobility of our society, it is now common for family members to be too physically distant to provide hands-on care.
It is also common for an elder to be unwilling to move closer to their family, even if staying where they are means receiving care from someone other than their family members. Although the distance creates many hazards, steps can be taken to allow successful navigation of the minefield of legal, financial, and administrative issues that lie in wait for the long-distance caregiver.
The most common legal issue associated with providing proper care and oversight from a distance involves establishing proper legal authority to ensure ongoing care in the event of incapacity of the elder. When proper legal authority is not established, caregiving can be interrupted, leaving the elder at risk for physical, mental, and/or financial harm.
This legal issue can be easily resolved through the elder’s execution of a durable power of attorney and health care proxy. The durable power of attorney and health care proxy are two distinct legal documents that give a person the elder chooses the authority to make financial and medical decisions on the elder’s behalf if the elder is incapacitated.
In the event that a durable power of attorney and health care proxy are not established and the elder loses capacity, it will be necessary to petition the probate court to appoint a conservator and/or guardian to make financial and medical decisions for the elder. The process of having a conservator or guardian appointed is expensive, time-consuming, and results in the elder’s loss of privacy and legal rights. As such, the overseer of the elder’s care should discuss with the elder the need to establish these documents while the elder is still capable of executing them.
In addition, end-of-life decisions should be discussed with the elder, and the elder’s wishes should be memorialized in writing within the proper legal document. Ideally, the estate plan will also include a will, which provides clear instructions as to the disposition of the elder’s estate upon their passing away.
Because the law varies from state to state, another common legal pitfall arises when the estate planning documents that have been established are not valid or are not recognized. This pitfall usually arises because: (1) the documents were not properly prepared or executed; (2) the documents were prepared in the caregiver’s state and are not recognized in the elder’s state; or (3) the documents were prepared in the elder’s state and the elder moves to the caregiver’s state where documents are not recognized.
To avoid the pitfall of having unusable estate-planning documents, it is best to hire elder-law attorneys practicing in both the elder’s and the caregiver’s states, so that you can be sure the advice you receive will pertain to the law of each state, and any necessary state-specific provisions will be incorporated into the estate-plan documents. Otherwise, it is possible that the elder could lose the protection of the documents, especially if the elder moves after losing his or her capacity to execute new documents.
Financing care is another area loaded with potential problems for the long-distance caregiver. Many times, the elder expects that public benefits (Medicaid) will pay for his or her care needs. Again, each state has different rules relative to obtaining approval for public benefits, and there are vast differences between the states as to various issues, including, but not limited to, asset and income limits, the effects of long-term-care insurance, and the effects of past gifts. Again, it is imperative to consider the rules in both states when planning if there is any possibility that the elder will relocate.
Further, there are also differences in the reach of each state’s estate-recovery rules, which are the rules that allow the state to recover benefits paid for care from the estate of a recipient who has passed away. Here, proper planning can ensure that benefits will be obtained as efficiently as possible and, at the same time, minimize the exposure of the elder’s estate to recovery efforts.
With respect to administrative issues, coordinating caregivers can be a daunting task. It can also be a serious mistake to rely on an elder’s self-reported care needs, because many do not recognize their own needs when they arise. As such, every long-distance caregiver should hire a geriatric care manager in the elder’s area. A geriatric care manager is a health care professional with training in gerontology, social work, and nursing. In most cases, the geriatric care manager will conduct an assessment of the elder and develop an individualized care plan.
In the long-distance-caregiving situation, the geriatric care manager will act as a liaison for the distant caregiver. Here, the geriatric care manager will oversee the elder’s care, providing a report to the caregiver at regular intervals and alerting the caregiver to any potential problems. The geriatric care manager’s additional oversight not only provides peace of mind for the long distance caregiver, but also guards the caregiver from claims that he or she is not conscientiously carrying out his or her duties due to the distance and/or lack of personal oversight.
Even though long-distance caregiving is a minefield, the wisest of caregivers knows that hiring professionals in the elder’s area, the caregiver’s area, or both is the equivalent of employing a minesweeper. With proper planning and the advice of elder-care professionals, caregivers can defuse or altogether avoid the mines and successfully navigate the minefield of long-distance caregiving.

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 Massachusetts 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; baconwilson.com

Health Care Sections
Misconceptions Persist on Stuttering, Its Causes, and Treatment

Nadia Dorval

Nadia Dorval says using the phone is so difficult for people who stutter that they usually avoid it.

The Oscar-winning movie The King’s Speech is a true story that portrays how King George VI of Britain resolved his stuttering problem with the help of a speech therapist.
But, although the monarch experienced success, there is no cure for stuttering, and more than 3 million Americans and 68 million people worldwide live with the problem every day. Winston Churchill, Marilyn Monroe, and Carly Simon are a few of the well-known figures who number among their ranks.
“Many famous people were stutterers. It has nothing to do with intelligence. But people who stutter often have a sense of inadequacy and feel frustrated, angry, and depressed,” said Nadia Dorval, an adult speech language pathologist with Baystate Rehabilitation Care in Springfield.
“For some people, stuttering is developmental and can change, and for others it is chronic,” said Karen Spinelli, a speech-language pathologist at Noble Hospital in Westfield. “People usually start to notice it when children are preschoolers or about the time when they begin developing language.”
According to the Stuttering Foundation, the condition affects four times more males than females, and approximately 5% of all children go through a period of stuttering that lasts six months or more. Three-quarters recover by late childhood, and about 1% have long-term problems.
Dorval says stuttering in adults doesn’t always begin in childhood and can be caused by an injury to the brain. “It is not something that’s black and white; stuttering is very complicated,” she said. “People have the misconception that stutterers can control their problem, but even when they do, it can occur again in high-stress situations.”
For this issue, the BusinessWest looks at the causes of stuttering, what adults can do to help children who stutter, and why unrealistic expectations and a fast-paced lifestyle can make the situation worse.

Early Speech

Karen Spinelli

Karen Spinelli says materials from the Stuttering Foundation can help people become informed about the problem.

It is not uncommon for preschoolers to stutter for a period of time. “They know what they want to say, but their ability to coordinate the physical aspects of speech doesn’t always keep up with it,” Spinelli said.
She explained that three things are necessary for speech: breathing, voicing, and articulation. Voicing refers to the way the muscles of the vocal cords close and vibrate, while articulation is the way the lips and tongue move to produce sound. “Researchers tell us there is no one definitive cause in developmental disfluency,” Spinelli explained.
However, research is beginning to show that there may be a genetic component, and Spinelli says the latest findings reveal a difference in the way the brain controls the three main areas of speech in people who stutter.
Environment also plays a role. “It doesn’t cause stuttering, but can make it better or worse. The more anxious a stutterer becomes, the more it can exacerbate; stress and anxiety can cause a snowball effect,” she continued, adding that staying relaxed while speaking is critical for stutterers.
If a child begins stuttering, all of the adults in his or her life should behave in the same manner, said Spinelli, who advises them to talk slowly in a calm manner, to avoid looking worried or rushing the child, and to pause before they respond to what the child says.
“Don’t jump to answer the child quickly, and maintain eye contact so they don’t feel you are losing interest,” she continued, adding that adults should never try to help a child by finishing their sentences. “It is important for a child to feel they have your attention. If you speak for them, it can send the message that they are inadequate and create more anxiety. It is important for the child to know that what he or she is saying is more important than how it comes out, even though it can be difficult to take the extra time to listen.”
The reason speaking slowly makes a difference is because people tend to match the rate of the speech of those around them. “It is a very unconscious behavior,” Spinelli said.
Another helpful technique is singing or reciting nursery rhymes out loud with the child. “People who stutter don’t usually exhibit the behavior when they are singing or talking in unison, so it’s a good idea for parents to do these things with their child,” she told BusinessWest.
However, if frustration arises, parents should ask their pediatrician to refer them to a speech-language pathologist. There are early-intervention programs for children younger than age 3, and after that, the school department can help. “Most people don’t realize that, even if a child is not in school yet, he or she can still receive services through the school system,” Spinelli said.
Claudia Eitnier, a speech language pathologist at Mercy Medical Center, said one of the reasons it is prudent to seek an evaluation is because the stuttering may be part of a broader speech-and-language problem. “Don’t become impatient when someone stutters, and don’t treat a child or adult who is stuttering as if something is wrong with them,” she said. “It is not something the person is doing intentionally.”

Myths Abound
There are a number of myths related to stuttering. These include the thought that people who stutter are less intelligent, that the condition is caused by nervousness, that it can be ‘caught’ by imitation or hearing another person stutter, that it is caused by stress, and that it helps to tell a person to “take a deep breath before talking,” or “think about what you want to say first.”
None of these things are true. People who stutter can become nervous due to other people’s reactions, and stress can make it more difficult for them to speak fluently. But these things do not cause the problem.
The purpose of therapy is to provide people who stutter with useful strategies and help them learn ‘easy stuttering.’ This refers to teaching a person to speak with less tension in their throat and mouth.
“It makes the stuttering less pronounced,” Spinelli said. “The more emotionally anxious a person becomes, the more tense their muscles become, and the worse the stutter becomes.”
Stuttering does tend to decrease as children grow, she added, but can occur again at any point in their lives.  In fact, the goal of stuttering therapy isn’t always to make it go away.
Eitnier says technology can be useful in treating some cases of stuttering. One device used by therapists is called Speech Easy. It resembles a hearing aid, and provides delayed auditory feedback, allowing the person to hear their speech at a different pitch with a slight time delay.
“This causes the person to change their pattern of speech, and usually results in the reduction or elimination of stuttering,” she explained. “Hearing their own words played back changes the mental processes that coordinate speech.”
Biofeedback programs can also be helpful. One program works by having a person speak into a microphone while wearing a headset and listening to music or background noise. The person can see the pattern of their speech on a computer screen, and the background noise, which blocks the sound of their voice, can make speech easier for some people.
“But there isn’t one right way to treat stuttering,” said Eitnier. “Since no two stutterers are alike, what works for one may not work for another, because its roots, causes, and severity vary. And even though there is no cure, pill, or surgery for it, people can learn to manage their stuttering.
“But it is very hard work no matter what age you are,” she continued. “Adults are taught relaxation techniques; the more relaxed and comfortable they are, the more fluent they become.”
Dorval sees many adults who stutter, and says some re-learn strategies taught during their childhood. One is to stop speaking and take a deep breath from their diaphragm when they begin to stutter.  “The whole idea is to remain relaxed,” she said. “Stuttering typically happens when they are in an emotional or stressful environment. If they become angry or excited, emotions can take over their speech.”
Speaking on the phone is also difficult, because stutterers fear judgment and often don’t know who will answer when they make a call. “Most stutterers will tell you they hate the phone. They will text people or use e-mail and have other people make their doctor’s appointments for them,” Dorval said.
One technique she uses to overcome this is to have an adult call stores and ask if an item is available. They prepare a list of questions before they call, and then read them off from a checklist. Dorval advises them to take their time, speak slowly, and if they begin stuttering, to stop, take a deep breath and then begin speaking again.
“A lot of stutterers talk very fast; some repeat entire works, some repeat phrases, and some repeat the initial consonant sound. And some also use interjections such as ‘ah’ or ‘um’ between words and have hard or soft blocks,” Dorval said, adding that a block refers to the length of time that passes between words or sounds.
“A soft block may come across as inappropriate pausing while a hard block makes the words sound tense,” she explained.
Recording the person’s voice while they are speaking, then playing it back to them can also be useful. “If they hear what they doing, they can see where they could have slowed down and started again,” Dorval said.
Some stutterers develop secondary behaviors such as rubbing their leg or wincing when they speak, she continued. These actions take place because at some point, the behavior worked and as a result it became an involuntary response.
“I worked with someone who rocked and bit his hand while he spoke, and had someone else who would wring her hands,” she told BusinessWest. “The behaviors create more tension, and part of the person’s therapy is to make them aware of what they are doing, because these actions make their stuttering more obvious.”
Dorval wants adults to know that if they are talking to someone who stutters, they should not finish their sentences or interrupt the individual. “People want to help, but they need to be patient. And if you work in a public place and get a stutterer on the phone, be extra patient. It takes a lot for them to make a call,” she said.
Adults who stutter often report they have difficulty with job interviews and relationships. “They feel like they are not capable of interacting the same way as someone who speaks fluently,” Dorval said. “But if someone really wants to improve, and is ready to make a commitment, the chances of a successful outcome are increased.”

Sections Supplements
Two Generations Build on Laplante Construction’s Solid Foundation
From left, Ray and Bill Laplante

From left, Ray and Bill Laplante say their family has built a strong reputation over five decades in business.

Ray Laplante says he’s always been more of a “hands-on guy.”
He told BusinessWest that he was following in his father’s footsteps by starting his own framing and carpentry company back in 1964, and that, while he would subcontract some work for his dad’s firm — called Albert Laplante Construction — his own namesake business went through the roof in the early 1970s.
“When he got out of the service, my older brother went to work for our father,” he remembered. “And when they hired a project manager, there wasn’t really room for me to be there all the time. Even though I was on my own, they did hire me a few times for sub jobs.”
It was a handful of spec houses that he put up 40 years ago, though, that paved the way for Laplante to find his niche in the home-construction market, and he went on to build many such properties in East Longmeadow, Longmeadow, and Wilbraham. “That’s when my business took off,” he said.
But even though his business, R.E. Laplante Construction Inc., started to develop a reputation for fine home craftsmanship that endures to this day, it was his desire to be out in the field that prompted one of his biggest decisions in the company’s almost-five-decade history.
His son, Bill, currently the company president, went to college to get an economics degree. “Basically, I started working here when I was 12 or 13,” Bill said. “I would come after school, during school vacations, and continued that throughout high school.
“During college,” he continued, “I was still in the field, framing or doing finish work, and continued that after I graduated. But in four or five years’ time, I made the transition into the office, doing a lot of the day-to-day functions, and then eventually sales.”
As Bill told the story, Ray smiled and added, “I’m a framer, a carpenter. I don’t have any kind of management education. Although the business was very successful, my plan always had been for him to come in, and bring the business up to that level.”
And that level, as the elder builder called it, was for his son to take over the behind-the-scenes (and front-of-house) operational aspect of Laplante Construction, while he himself builds on the foundation he created and nails down the strategy that continues to bring success to the family business.

Father Knows Best
As president, Bill said, his job is not just to make sure all the bills get paid — “all the day to day financials,” as he called it — but also to be the top-tier salesman for the company. Which is easy when his number-one selling tool happens to be the man who built the reputation he’s pitching.
With a history of building homes that he designed himself, Bill called his father’s expertise “invaluable.”
“He meets with the customer, listens to them, and has an incredible knack for design and for coming up with ideas,” Bill said. “He can take a look at something, especially in renovations, and come up with the ‘good idea’ for that specific project.”
Ray added that some 90% of his clients don’t in fact work with an outside architect. “So when people call us, they’re looking for ideas and for layouts,” he added. “And we have that capability here — we can put it on the computer and do layouts. My brother, Paul, does all the CAD drafting, which we do in-house. Which is great for our customers because we can take them from the design stage all the way through to completion.
“We’re not architects,” he clarified, “but both Paul and I are very knowledgeable with regard to framing, structural needs, and putting things where they need to be. When we run into situations where we need an engineer, we will hire one, but a lot of it we can do ourselves.
“And we do that design work for a fraction of what you would expect a professional architect or designer to do,” he added, emphatically.
As a result of the economic downturn, Bill did say that he’s noticed an overall shift in priority, from new construction back to renovations. “People are staying put, and putting money into their existing homes,” he explained.
But while other firms might have historically shied away from smaller-profile jobs, focusing on bigger budgets and entire houses, Laplante has always made it an unofficial policy to take on all work that met its criteria for a job well done, no matter the size.
“This has always been the case,” Bill said. “We never let go of renovation, remodeling, and new-addition projects.
“Through the years,” he went on, “you get a dip in the economy, or a recession, and renovations pick up. Some builders, when they get busy, might not want to have to deal with the $20,000 remodel job; we always did, no matter how busy we were — just for that reason, to keep the company diverse. And this has served us well.”
Just because a project might be termed a renovation, Ray noted, doesn’t necessarily mean it’s a small-scale project. “Some of these types of work can add up to $500,000 or $600,000.”
In addition, Bill said that a key facet to broadening the horizons for a building company is to always keep pace with developments in the industry. To that end, he has undertaken the necessary coursework through the National Assoc. of Home Builders to receive the designation as a certified green professional. What this means, he explained, is that his role as salesman for the firm now is fully compliant in all that a customer should and would want to know about available green technologies, processes, and products for their project.
“More and more people are looking for it these days,” he said. “But more than just using the word ‘green,’ I’d say that what they are after is energy efficiency. And they are looking for a payback on those investments.”
The key is to look at those technologies and discover what will give the payback that his clients expect, he said, whether that be spray-foam insulation, higher R-value windows, different construction techniques, or siting the house to take full advantage of the sun.
“There are a lot of ways to reduce the energy costs on a new home,” he added. “The nice thing is, we will give our customers that whole array of different products and technologies, and then help them make an informed decision, to decide if it works for them personally, or fits into their budget. That’s really why we tried to get out in front of the green-building process.”

The Family Way
“A lot of people that we work with aren’t price shopping,” Bill told BusinessWest. “They come to us through word-of-mouth referrals, and they trust that we’re going to give them a high-quality product at a fair price. We will bid against other contractors, but one thing we won’t do is compromise what goes into that house.
“I’d say that 75% of our business is just through word-of-mouth referral,” he continued. “That, and the reputation my father has built up over the years of being a high-quality and fair, responsible builder.”
To prosper in an industry that has suffered perhaps more than any other sector in this down economy, both men agreed that the best tack has been to proceed with business as usual. Provided, of course, that one has a track record like the Laplante company.
“It ultimately comes down to trust,” Bill stated. “In many cases this is the largest investment that someone will make in their lifetime. There are so many ways that builders can cut corners, to reduce price or increase their profit, and ultimately it comes down to being able to fully place your trust in the person you’re working with.”
To illustrate that point, Ray told of a recent meeting with a client, in this case someone with whom Laplante has worked in the past.
“We bid on this job; I think it was $80,000 or $90,000,” he said. “Now, they also had gotten a price of $20,000 less, and they wanted to know why. So they called me up and asked if I would go over the price bids. I put them both on the table. The other contractor hadn’t figured in painting, and hadn’t added a number of things — different materials. None of it was written into their contract. We try to be reasonable with our allowances, and because of that level of trust, we are doing that job now.”
Adding to their offerings as homebuilders, father and son have branched out both geographically and in their building envelope. Clients have asked them to build houses on Cape Cod, as well as light commercial structures.
But that doesn’t mean the pair are changing their direction at all. Rather, they’re just doing what their customers have asked of them. And when the conversation arrives at the next generation of Laplantes that might bring the company into the fourth generation of builders, the pair smiled. They aren’t ready to hang up their hammers yet.
Ray said he’d like to have the chance to play a bit more golf, but there’s plenty of time for that in the future.
“My main priority is to maintain the Laplante reputation,” he said. “That’s all I’m looking for.”
When the business of building homes can fall back on more than 40 years and multiple generations of service, that’s a pretty good sign this family is doing it the right way.

Departments Picture This
Foundation Awards

Foundation AwardsPeople’s United Community Foundation recently announced that it awarded $30,000 in grants to nonprofit agencies in Western Mass. Six organizations received funding in support of their programs. Here, Tim Crimmins Jr., (fourth from left), officer of People’s United Community Foundation and Massachusetts President of People’s United Bank, presents award checks to, from left: Donna Barbieri, vice president of Business Banking for People’s United Bank, representing Gray House; Lynn Cantell, growth manager and senior vice president of People’s United Bank, representing Top Floor Learning Inc.; Jane Lennox, chief development officer for the Clarke School for the Deaf; Michael Abbate, director of Finance and Administration for the Western Mass. Enterprise Fund; Monica Borgatti, Resource Development and Communications director for Pioneer Valley Habitat for Humanity; Sandy Belkin, president of the Pioneer Valley Habitat for Humanity Board of Directors; Ron Willoughby, Springfield Rescue Mission executive director; and Joe Manna, development director for the Springfield Rescue Mission.

Transactional Law Meet

Transactional Law MeetWestern New England College School of Law students Isaac Mass and Julie McKenna (left), topped a field of 30 teams in the national Transactional Law Meet held in Philadelphia. Mass and McKenna received their first place award from judges (from left), Joan  Schwartz, associate general counsel of Airgas Inc.; Kenneth Young, partner at Dechert LLP; Jason Koenig, principal at Hale Capital Partners; and Charles Middleton, senior vice president and tax counsel at Oxbow Corp.

Send photos with a caption and contact information to: ‘Picture This’ c/o BusinessWest Magazine, 1441 Main Street, Springfield, MA 01103 or to [email protected]

Banking and Financial Services Sections
This Plan May Have Attractive  Benefits for Many Individuals

Roth IRA conversions received a lot of press coverage in 2010 because the income limitation on these conversions disappeared. The Roth 401(k) has received much less attention, but offers similar tax-free growth advantages to a Roth IRA. Indeed, even if you decided a Roth IRA conversion was not right for you, Roth 401(k)s are worth a look.
A Roth 401(k) is a retirement savings plan that may be offered by employers in addition to a traditional 401(k) plan. Both of these plans allow employees to designate a portion of their current salary to be contributed to the plan with the intention of using it to pay for retirement expenses in the future. The essential difference between these two types of 401(k)s is that  unlike a traditional 401(k) plan, contributions to a Roth 401(k) are made with after-tax dollars. However, qualified withdrawals from your Roth 401(k) are not subject to income taxes, unlike withdrawals from a traditional 401(k).
The Roth 401(k) first became available in January 2006. According to a 2011 survey by benefit consulting firm Aon Hewitt, more than 36% of mid-to-large companies now offer a Roth 401(k) retirement plan, and this number is expected to reach 50% of employers by 2012. Non-profit and public employers that offer a 403(b) also have the option of offering a Roth 403(b), which follows most of the same rules as a Roth 401(k). So, chances are you currently have or will soon have the opportunity to contribute to a Roth 401(k) and may want to examine whether switching your contributions from a traditional 401(k) to a Roth is beneficial for you.

Let’s look at some important features of the Roth 401(k):

• There is no income ceiling for contributors — employees at all income levels are able to make contributions.
• Contributions are made with after-tax dollars, and “qualified distributions” may be withdrawn without tax or penalty.
• Contribution limits for 2011 are the same as a traditional 401(k) or 403(b) — $16,500 per year and $5,500 additional catch-up contributions if you are over 50.
• After age 59½ — and at least five years after the first contributions to a plan — investment earnings can be withdrawn tax-free.
• Minimum annual distributions must begin at age 70½, though a Roth 401(k) can be rolled into a Roth IRA, which does not require withdrawals.
• Employer contributions or matches will be made on a pre-tax basis (the same as a traditional 401(k)).

Perhaps the most crucial consideration in weighing a decision between a traditional or Roth 401(k) is your tax bracket — now and in the future. If you expect to be in the same or a higher tax bracket when you retire, a Roth 401(k) could result in greater savings. However, if you think you will be in a lower tax bracket after you stop working, it may be preferable to contribute to a traditional 401(k). The younger you are the more compelling the Roth 401(k) is likely to be.
Also, if you are a higher-income employee and are expecting tax rates in general to rise, you might also find a Roth 401(k) attractive because you will be paying the income tax on your contributions at today’s rates. If you are uncertain about tax rates in the future, you may want to stay with a traditional 401(k). As an alternative you might want to consider, separate annual contributions to a non-deductible IRA and then convert the non-deductible IRA to a Roth IRA. In this way, you have diversified your future tax burden by having both tax-deferred and tax-free income sources.
Let’s look at some situations that apply to managers and employees at all levels.
A young manager in her 30s and just starting out in the workforce may anticipate that her earnings will be much higher in the future and thus will be subject to higher tax rates. This person is likely to find contributing to a Roth 401(k) to be advantageous until she is in a higher tax bracket. She can fund the Roth 401(k) now with after-tax dollars and never have to worry about paying taxes on it in the future.
An executive in the middle of his or her career may currently be in one of the top tax brackets. In this case, contributing to a traditional 401(k) will allow him to defer taxes now when his tax rate is high and pay them in the future when his tax rate is lower.
A manager near the end of his career who will likely be in the same or higher income tax bracket during retirement may benefit from contributing to a Roth 401(k). Making contributions now to a Roth 401(k) using after-tax dollars will eliminate the possibility that these dollars would be subject to higher taxes in the future.
If you decide to move forward with a Roth 401(k), make sure you review how it will impact your net take-home pay. Most people select the amount they will contribute to retirement plans based on a percentage of salary. It is important to remember that if you currently contribute 10% of your salary to a traditional 401(k) and you switch to a Roth 401(k), your net take-home pay will decrease because you will need to start paying taxes on the amount contributed to your Roth 401(k). It is recommended that you ask your payroll department to calculate the difference in net take home pay from contributions to a Roth 401(k) vs. a traditional 401(k).

Doug Wheat, CFP, is a financial planner with Family Wealth Management; www.fwmgt.com.

Banking and Financial Services Sections
These Are Commercial Loans at Below-market Interest Rates

Gary Fentin

Gary Fentin


For business owners and nonprofit managers, there is a way to finance your next capital project from your own bank, on the same terms you would obtain conventionally — but at a reduced interest rate.
The vehicle is a tax-exempt bond issued by the Mass. Development Finance Agency (“MassDevelopment”), a product that comes in several forms, including industrial revenue bonds (IRBs), bonds for nonprofit organizations (501c3 bonds), and bonds for other eligible entities.
But what is a tax-exempt bond? What do they cost? How do you get one? Who is eligible? Are they more trouble than they’re worth?  These are all commonly asked questions.
This article is geared primarily to tax-exempt bonds that are purchased by a bank or single lending institution. Bonds that are publicly issued or credit-enhanced involve additional parties and additional cost. Here are the answers to those questions and several others.

What is a Tax-exempt Bond? It is a financing vehicle that works basically like a loan from a bank that satisfies certain federal tax and MassDevelopment requirements. From the borrower’s and the bank’s perspective, it looks and feels like a regular bank loan, typically with the same payment terms and collateral as the borrower would obtain generally, but with a lower interest rate.

What are the federal tax requirements? The primary federal tax requirement is that the project finance capital costs incurred for qualified initiatives. Although there are other federal tax requirements, if your project qualifies and you feel that a bond is cost effective, you should contact MassDevelopment or the author of this article to inquire regarding qualification.

What are the MassDevelopment requirements? MassDevelopment must approve the project and the applicant. This is a fairly straightforward process that includes speaking to the local MassDevelopment representative for Western Mass., Frank Canning, and completing and submitting an application. Canning will coordinate with one of the agency’s bond counsels to review the application and to prepare the forms of votes for the agency approval and notices of public hearing. Shatz, Schwartz and Fentin, P.C. is the only approved MassDevelopment bond counsel firm with offices located west of Worcester.

What is a qualified project? Tax-exempt bonds are available to finance eligible capital costs incurred in Massachusetts by manufacturing companies, 501(c)(3) entities, and certain assisted-living and long-term-care facility developers, affordable rental housing developers, and solid waste and recycling facilities.

What do they cost? The cost of an IRB includes the following: (1) the cost the borrower would otherwise incur to close a conventional loan for the same project with a bank (2) plus MassDevelopment’s issuance fee and the cost of bond counsel, which is generally $12,000 to $13,000. For a bond amount of $2 million, MassDevelopment’s fee would be $20,000 (1%) for a manufacturing project, or $10,000 (.5%) for a 501(c)(3) project, plus $13,000 bond-counsel fee, for a total of about $33,000 for a manufacturing project and $23,000 for a 501(c)(3) project.

Are they worth the money? Typically the interest rate on a bond is up to 2% or more less than conventional financing.  For a $2 million bond, the interest savings could be $40,000 in the first year, which would pay all of the extra issuance costs in one year. The savings on a $1 million bond ($20,000) would pay the extra issuance costs in about one year for a 501(c)(3) project, and in about 1.5 years for a manufacturing project.

What does bond counsel do? Bond counsel is responsible for filing the necessary federal and state approval and filing documents, drafting the basic bond documents, and issuing an opinion that interest payments received on the bond are exempt from federal taxation. The exemption from federal taxation of interest on the bond is the reason that the bank can charge a lower interest rate and still earn a similar after-tax yield as it would have received on a conventional loan.
Bond counsel is also allowed to represent the borrower or the bank, in addition to acting as bond counsel.

Who should you contact to see if you are eligible? Frank Canning at MassDevelopment, 1350 Main St. 11th Floor, Springfield, MA 01103; (413) 731-8848; [email protected]

How long do they take to get?  A bond can usually close on the same closing schedule the bank and the borrower would use for a conventional loan. Generally it takes about 4-6 weeks to close a bond from the issuance of a bank’s commitment letter, which is the time that the borrower and the bank generally need to prepare and submit their respective due diligence items.

Attorney Gary S. Fentin is a shareholder of Shatz, Schwartz and Fentin, P.C., and concentrates his practice in the areas of commercial and real estate finance and development, industrial revenue bonds, affordable housing, estate planning, business law, and business foreclosures and workouts. He is the only approved bond counsel for Massachusetts Development Finance Agency with offices located west of Worcester;  (413) 737-1131.

Commercial Real Estate Sections
Race Street Project Embodies Progress in Holyoke’s Innovation District

Martin Kane

Martin Kane says the Race Street building that has become the Holyoke Professional Arts Center has “great bones.”

It’s called the Holyoke Professional Arts Center, or PAC, a retrofitted old mill building on Race Street in Holyoke that was once home to a company that made slitter knives. Soon, the Providence Prenatal Center of Holyoke and Tapestry Health will be tenants and thus part of a revitalization that is helping to change the look and feel of the city’s downtown and a section known as the Innovation District.

The banner gracing the front of the building at 306 Race St. in Holyoke is 25 feet wide, and it needs every bit of that length to contain all the information crammed onto it.
If one has the time and inclination, he or she could stop, read, and learn that the more-than-century-old, two-story, 18,000-square-foot building is now called the Holyoke Professional Arts Center (PAC) at Mahoney Place, with the latter part of that name referring to family members of the property’s owner, Jeff Cunningham. One could also see the creative logo for this facility, with a flywheel, similar to the ones that can be seen in the ceiling on the second floor, inside the ‘C’ in PAC.
Reading on, one could learn that the Providence Prenatal Center of Holyoke, a component of the Sisters of Providence Health System, and Tapestry Health, an agency that provides a wide range of health services to women through several locations in Western Mass., will be the first new tenants in the center. And, when seeing the name of the brokerage firm (King & Newton) handling the building — as well as a phone number and Web site — one could surmise that there is still space to be leased — roughly 10,000 square feet of it, to be more specific. Reading still further, one would note that Southbridge Savings Bank financed this endeavor, and also see some commentary in the form of a line that announces this project as “a new era in the rebirth of Holyoke.”
But while this banner tells much of the story concerning this downtown landmark and what its reuse means in the larger scheme of things, it doesn’t tell it all. Indeed, there is a lot of history to this building, and an intriguing series of developments that led to an elaborate construction kick-off ceremony on April 7, said Martin Kane, the broker with King & Newton who has handled the building for years and worked with Cunningham to give it a new start.
Meanwhile, this project is just one of several that are changing the look and feel of this section of downtown Holyoke — a few nearby buildings have been converted into artists lofts and a new convenience store recently opened — and there is the promise of much more to come.
That’s because 306 Race St. sits directly across the canal from the property that will be transformed into the Green High Performance Computing Center that is expected to fuel additional development in the downtown area, across Holyoke, and perhaps well beyond.
“We’re seeing a lot of interest in properties in that section of the city,” said Kathy Anderson, director of the Holyoke Office of Planning and Development. “We’re meeting with people and talking, and in the meantime we’re looking at what we need to do to spark private development there.”
Anderson said there are more developments — from new stages of the city’s canal walk project to the possible reintroduction of commuter rail service after a more-than-40-year absence, that could spur more progress in the central business district of the Paper City and a section now known as the Innovation District. Taken together, the initiatives are a classic case of public-sector investments designed to inspire private-sector spending.
“There’s private development happening, and that’s what we were hoping for,” she said of the Race Street project and others like it. “The Innovation District Task Force is charged with creating ways to leverage the high-performance computing center, to take advantage of it and make something more happen in Holyoke and the region because of it.
“This is just one small project taking shape across the canal,” she said of the PAC. “They’ll be seeing what’s going on outside their windows; people are getting excited about this — there’s a lot of interest in downtown Holyoke.”
For this issue and its focus on commercial real estate, BusinessWest takes an indepth look at the Race Street project and how it is just one small example of progress in Holyoke’s downtown, and evidence of that new era in the rebirth of Holyoke that the banner announces.

Building Momentum
“Great bones.”
That was the descriptive phrase Kane used at least a few times to describe the L-shaped Race Street building as he gave BusinessWest a tour of all three levels. “Rock solid” was also tossed out a few times for emphasis.
Such language was deployed to convey the sentiment that while this property has seen better days, it certainly has intriguing ones ahead of it, and has the foundation, in more ways than one, for new and intriguing uses.
Tracing the history of the property, Kane said it dates back to the late 19th century, and has housed a number of different manufacturing operations over the years. Most recently, it was home to Service Machine, an outfit that made slitter knives, which was purchased by Cunningham, a Worcester-based real estate developer, several years ago.
After that business and its equipment were moved to another facility owned by Cunningham, the property stood vacant for some time, said Kane, adding that Cunningham approached him in early 2008 to explore new options for filling the square footage.
“He asked me what I thought the highest, best use was,” Kane recalled, “ and I told him I thought it would be a good location for offices and service businesses.”
Plans to lease out the property for such purposes hit a brick wall in the form of the Great Recession, which created a huge glut of manufacturing, office, and warehouse space in Holyoke and across the region. But when Kane offered the site as a possible option for administrators at the Providence Prenatal Center of Holyoke, who were looking to trade up from space on High Street, there was strong interest.
“We explored it, and it got to the stage where there were lease negotiations, but nothing came from them,” said Kane, adding that by the spring of 2010, Cunningham was ready to put the property on the market, when the SPHS was approached one more time.
This time, a deal was struck, he said, adding that several months later, Tapestry Health, which has an office on Main Street in Holyoke, signed a letter of intent to relocate to the Race Street facility. Those two agencies will occupy the first floor of the building, said Kane, adding that the 6,000 square feet on the second floor and roughly 4,000 square feet in the lower level have a number of potential uses.
As he gave his tour, Kane gestured out an open window on the second floor to the buildings across the canal that will become the high-performance computing center, and expressed the hope — and expectation — that the much-anticipated project would attract a number of technology-related ventures to the downtown area.
“This would be an ideal site for a Web-development company,” he said of the longer leg of the ‘L,’ which has several of those aforementioned flywheels in the ceiling. “The computing center could generate a lot of interest in this space.”
The same could be said for the whole of Holyoke’s so-called Innovation District, said Anderson, adding that the HPCC is the largest of several developments that could bring new businesses — and greater vibrancy — to the downtown.
Another is the potential for the return of commuter rail, last seen in Holyoke in the late 1960s, she said, adding that the Paper City would be part of service that would run from New Haven into Southern Vermont.
City officials are currently looking at two options for a train station — the former station on Bowers Street, designed by HH Richardson, built in 1883, now owned by the Holyoke G&E, and vacant for some time, and a site for new construction at the corner of Dwight and Main Streets.
“We’re trying to get a train station up and running by the time the train goes by,” said Anderson, adding that the larger mission is to make infrastructure improvements that will connect the recently opened intermodal transporation center on Maple Street, as well as the canal walk, to that train station, wherever it is located.
Meanwhile, the canal walk project is bringing more vibrancy to the downtown area, said Anderson, adding that open studios conducted by groups of artists now located in buildings on nearby Dwight Street are creating more foot traffic in the area. One goal, long term, is to utilize a section of Race Street between Appleton and Dwight Streets for open-air festivals.
Overall, city planning officials are talking with developers now making inquiries about downtown Holyoke and its Innovation District, while also working to determine what additional steps can be taken to inspire and facilitate private-sector spending.
“We’re looking at it from the prospective of what we need to do to create more growth in that area,” she explained. “What type of public investments do we have to make in order to spur private development? We’re looking under the street, on top of the street — do we need to work on our water-supply system or fiber optic infrastructure? We’re preparing for the future growth of the city for the next 30 to 50 years.”

Positive Sign
The banner across the front of the Race Street building provides some good reading, and the expectation is that there will be more of these to appear on downtown properties in the months and years to come.
In many ways, it is a sign of the times, a sign of progress, and a sign of how public investment can spur private development — in both a figurative and very literal way.

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

Commercial Real Estate Sections
Tenants Must Beware of the Hidden Costs Often Found in Leases

Stephen Shatz

Stephen Shatz

In this day of concern about operating costs, tenants should be wary of hidden expenses in leases.
Basic rent is not the only cost. In fact, the items often labeled as “additional rent” may approach, if not exceed, basic lease payments.
Additional rent expenses such as real estate taxes, special district taxes, insurance, and other operating expenses are often charged and apportioned based on a tenant’s proportionate share of the square footage of a building. There are several items of concern with additional rent. Here are some that all business owners should be aware of, and they are often in the form of questions that must be answered:

• How is proportionate share calculated? If based on square footage, what system has been used (BOMA or other standard)? Has the space in fact been measured? Tenants should attempt to have the space measured or reserve the right to do so, and if there is a variance of say 3% of the lease square footage, the landlord should pay for the measurement, and, of course, the payments should be adjusted.
Also, are these costs to be calculated as an increase above an agreed base year and, if so, is it a calendar year or a tax fiscal year?
• Are “operating expenses” clearly defined in the lease? Are they for services provided by unrelated third parties? Not infrequently, these services are provided by a related company at costs that exceed market rates. Do operating expenses include depreciation or replacement of capital elements of the property? If they do, these costs might easily exceed basic rent.
What is of further concern is that the lease may say the landlord is responsible for capital repairs, but yet the additional rent provisions will attempt to pass on these costs to the tenant.  Furthermore, tenants should reserve the right to audit all operating expenses, and again, if there is a 3% or more variance, the cost of the audit should be paid by landlord, and, of course, the payments should be adjusted.
• Tenants need to be careful in negotiating maintenance, repair, and replacement obligations. The elements of the leased premises that the tenant is required to maintain need to be carefully detailed. Avoid provisions that say the “interior of the leased premises and all elements therein” as a standard for the tenant’s obligations. This standard could easily require maintenance and repair to major mechanicals and HVAC systems, the costs of which could far exceed basic rent.
Care should be taken not to agree to “replace” the interior elements, because the cost of doing so for plumbing, HVAC, and electrical equipment could be quite high. In addition, replacement provides a windfall for landlords, because the elements so replaced easily could have a useful life far exceeding the lease term.
• Lastly, but not finally, care should be taken when agreeing to have either basic rent or operating-expense rent increased by rises in the so‑called “cost of living.” The standard measures for these increases are published by the U.S. Bureau of Labor Statistics and vary by region and by a description of the items in the shopping cart that are being measured.  Energy costs and medical expenses tend to artificially inflate these indices, and every attempt should be made to use an index that does not use these highly volatile categories.

Though it is difficult to anticipate all potential hidden costs in a lease, a careful reading of the document and a successful negotiation can limit a tenant’s exposure to them and avoid unpleasant surprises.

Attorney Stephen A. Shatz, a shareholder with the Springfield-based firm Shatz, Schwartz, & Fentin, concentrates his practice in the areas of real estate development, real estate finance, and commercial leasing. He is a New England Super Lawyer in the field of real estate, 2004-present; (413) 736-0375.

Banking and Financial Services Sections
These Tools Can Help Secure Individuals a Paycheck for Life

Charlie Epstein

Charlie Epstein

We live in a world of automatic. From your coffee maker to your car, automatic makes our lives easier every day.
And since the Pension Protection Act of 2006, automatic has made its way into the world of the 401(k). This has greatly helped plan sponsors encourage their plan participants to save more and build their retirement accounts. There are four ‘automatic’ tools that can help ensure successful retirement outcomes for 401(k) plan participants: automatic enrollment, automatic increase, automatic default, and automatic open re-enrollment.
Here’s how they work:

Automatic Enrollment
This first automatic tool allows employers to automatically enroll their employees as participants in their companies’ 401(k) plans. This feature uses the inactivity of employees to their advantage. About 18% of large employers (companies with 1,000 or more employees) automatically enroll all employees (both new and existing workers). Considering that the opt-out rate in these employers’ plans is less than 10% of employees who are automatically enrolled, this feature does a great deal to boost enrollment.
If they do not opt out of participating in the plan, participants will begin saving for their future without even lifting a finger.

Automatic Increase
Automatic increase is another great feature to use in increasing the amount that each participant contributes to his or her plan. A 10% contribution rate provides for a successful retirement that also helps to offset inflation. However, many participants are currently saving on average well below this level. By automatically increasing contributions 1% each year up to 10%, plan sponsors can help to steer their plan participants in the right direction toward appropriate savings for retirement.

Automatic Default into a Qualified Default Investment Account (QDIA)
Today the majority of 401(k) plans allow individual participants to exercise control over the investment decisions of the assets in their 401(k) plan. But what happens if a participant enrolls in the plan but never elects where his or his employers matching contributions should be invested? In the past, this money was directed to a money market account, where it may remain for years. What happens if that employee is only earning a paltry 1% for 30 years? Who will be deemed responsible for that investment choice?
To provide protection to the plan sponsor fiduciary (think you, the business owner) from bearing the personal liability for an employee’s lack of interest in their 401(k) choice, ERISA allows the plan “fiduciary” protection to automatically direct 401(k) participants’ money to a qualified deferred investment account — typically a lifestyle fund, balanced fund, or target-date fund. This greatly relieves the plan sponsor of the burden of chasing down participants to make investment elections.
While the plan sponsor is still responsible for justifying the QDIA it selects and continuing the due-diligence of these funds, this feature provides fiduciary protection. When a participant is automatically defaulted into a QDIA, the plan fiduciary is protected against an employee lawsuit regarding that choice. This automatic feature not only protects plan sponsors and fiduciaries from a lawsuit, but it also protects employees from making poor investment selections.
The majority of 401(k) participants fall into the “don’t know and don’t want to know how to invest” group. For this reason, more than 70% of new 401(k) contributions go into a QDIA . By educating plan sponsors and fiduciaries, plan advisors can provide direction and confidence in their QDIA choice.

Automatic Open Re-enrollment
The automatic open re-enrollment keeps participants in a plan. Once a year, participants receive a letter stating that they will have 30 days to review their investment choices and, unless the plan sponsor receives notice otherwise, they will be automatically enrolled into a QDIA. The result of this feature has increased employee involvement in a QDIA, which, in turn, enhances the employer’s fiduciary protection.
It’s no secret that if employees and plan participants are left to their own devices, they will, most likely, not save enough for retirement. This retirement-savings auto-pilot program is attractive to plan sponsors and fiduciaries because of the liability protection it provides. It also pays dividends for the plan participants, because they are automatically positioned as intelligent savers, enrolling in their company’s 401(k) plan, automatically escalating their contributions, defaulting into a QDIA, and re-enrolling into that account. Automatic is a great innovation, and it has benefited and will continue to benefit the 401(k) industry well into the future.
Automatic enrollment has already been adopted by 40% to 50% of employers. However, many smaller and mid-size plans have been reluctant to add these features, for fear of negative feedback from their employees.
The benefits of these automatic features should not be overlooked by both small- and medium-sized businesses, and their employees. For the owner or an over-staffed administrative person, there is greater ease in gaining employee participation in a valuable benefit that you are sponsoring and paying for. In addition, the fiduciary protection afforded by ERISA makes these features even more enticing.
For the employees, ease of participation and in the end, greater employee success in replacing their future income and creating a paycheck for life make this a win-win feature for everyone.

Charlie Epstein, CLU, ChFC, AIF® is the founder of The 401k Coach® Program (www.the401kcoach.com), which offers expert training for financial professionals to develop the skills, systems, and processes necessary to excel in the 401(k) industry and facilitate successful retirement outcomes for plan sponsors and participants. Epstein has frequently been named to 401kWire’s Top 100 Most Influential People in the 401(k) Industry List and Top 300 Most Influential DC Advisor List and was recently named to the Legg Mason Retirement Advisory Council.

Banking and Financial Services Sections
New Monson Savings Bank President Has Ambitious Plans

Steven Lowell

Steven Lowell says his primary goal is to continue Monson Savings’ strong growth pattern.

Under the leadership of just-retired President Roland Desrochers, Monson Savings Bank tripled its assets over the past 15 years while adding two branches, a loan center, and a host of retail and business programs. After he announced his retirement last year, the bank’s trustees launched a search for someone with the vision to take MSB to the next level. They think they’ve found that person in Steven Lowell, who says he wants to continue to grow market share while maintaining the community ties that customers have come to appreciate.

Steven Lowell knows something about growing community banks.
As chief operating officer and executive vice president of Cape Cod Cooperative Bank, he saw that institution expand from $150 million in assets to more than $580 million today.
He also knows something about long commutes, for years spending about three hours each day in the car between his workplace and his Central Mass. home.
In his new position as president of Monson Savings Bank, he plans on continuing one of those trends and drastically reducing the other.
“Commuting to Monson isn’t nearly as bad as going to the Cape,” he said. “This has cut my commute in half, so that’s been quite pleasurable.”
That should give Lowell plenty of extra time to contemplate ways to continue a similar growth pattern at MSB, which, under recently retired President Roland Desrochers, has seen its assets increase from around $80 million to $236 million in 15 years. The new man in charge says that’s only a start.
“I like building things, and clearly this bank is at a point where it needs to grow,” Lowell said. “Roland has done a great job growing it to the size it is, but it’s getting harder and harder for a small bank to be able to compete. The bank has built a great infrastructure; now we’ve got to build the size of the bank to fit that infrastructure.
“The opportunity to manage that growth is a huge appeal to me,” he continued. “I had the experience of doing that on the Cape, and I look forward to doing similar things here.”
Desrochers, who will stay on as CEO until June to oversee the transition in an advisory role, is pleased with who the bank’s trustees chose as his successor.
“I felt it was appropriate to provide as much time as possible for the board to make a decision about the individual who would replace me,” he told BusinessWest. “So I announced my retirement to the board last June, and we started the search process last September.”
The bank appointed a search committee and hired a search firm to manage the process and identify a number of candidates to interview. Eventually, they whittled the list to two, and in the end chose Lowell.
“He has a community-banking background, so he definitely fit into our culture,” Desrochers said. “He’s used to working in the community as well, which is an important facet. He’s knowledgable in business, and we felt he would work very will with the management team.”
Lowell said the transition has been smooth.
“Roland has been really helpful, introducing me to people in the community, helping me get ingrained in the culture of the bank,” he said. “We are a community-based organization, and that’s been my background, too. That part of the transition has been really easy. I think I’m the beneficiary of what Roland has set up here.”
Desrochers said the bank’s threefold growth in assets in the past decade and a half are a product of a deliberate, controlled growth plan. As opposed to the rapid branch proliferation of other regional institutions, MSB has added a loan center and expanded from one branch to three (adding sites in Wilbraham and Hampden) during his tenure.
“We’ve had pretty good growth, and it’s been profitable growth,” he said. “I think that’s an integral part of it. You just can’t grow for the sake of growth; you’ve got to make sure you have profitable growth and can maintain and increase your capital position.”
“It was challenging initially as an $80 million institution — talk about economies of scale,” Desrochers added. “We weren’t doing very many retail products at the time, there hadn’t been many loan products, so we needed to expand those areas. We were just a small, sleepy, small-town bank, and there’s nothing wrong with that by any means, but we needed to do something to make sure it existed longer-term.”
Now that Monson Savings has secured a stronger foothold, Lowell intends to shepherd the 139-year-old institution to the next level. For this issue, he spoke with BusinessWest about how he plans to do that, and why he’s feeling positive about much more than a shorter commute.

High Tech, High Touch
Lowell said one of the things that impressed him about MSB was the caliber of its management team — “a really positive sign for our ability to grow in the future” — but also its Internet offerings, from its online banking services to remote-deposit capture for businesses and a mobile-banking platform that’s in development.
“The use of technology is very impressive for a bank of this size,” he said. “They have done most of the things larger banks, including the one I came from, have done; for an organization of this size, we’re really ahead of the technology curve. It’ll be a challenge to continue to do that, but it’s very important. Customers are all about convenience, and technology allows you to be as convenient as the major banks.”
Community banks these days, he explained, must balance strong in-person customer service — traditionally one of their main selling points — with the ease of the online experience, Lowell added.
“That’s the challenge. We do a great job with customers in our lobby — that’s how we build relationships — but we also want to deliver that high level of service electronically. If we can do that, then everyone wins.”
The bank also uses an active Facebook page to reach out to customers. Desrochers recently spearheaded a project to ask customers on the social-networking site to identify nonprofits and charitable organizations they would like the bank to support; MSB made contributions to the top 10 vote-getters, on top of its other giving for the year.
“It was a great program and very well-received,” Lowell said, “and it helps bring us closer to our customers and the community.”
But philanthropy only goes so far in attracting and retaining customers, and Desrochers touts a number of retail initiatives introduced in recent years, such as First Rate Checking, a high-rate savings product tied to a checking account; Cash Back Checking, an account that pays the depositor back when they use their debit card; and NextGen Banking, which targets specific age groups with different features, such as enhanced online and ATM access for college-age customers.
“NextGen Banking has turned out to be quite popular,” he said. “Part of that is financial literacy and teaching younger people how to manage their money in a way that’s responsible and hopefully builds them into good customers for the future.”
Lowell also noted that the bank allows use of foreign ATMs and refunds the fees customers incur by using them — an appreciated service at a bank with only five of its own ATM locations. “A customer on the Cape may have trouble finding us, and it’s important that they have access to our products,” he said.
Desrochers agreed. “Everyone’s looking for convenience, what makes it easy for them,” he said. “That’s also true on the business side. We have cash management we’re able to offer through our technology. It really allows businesses to keep watch over their money and move money around electronically.”

Better Days

Roland Desrochers

Roland Desrochers described his 15 years at Monson Savings as a very exciting time for the bank.

These products are being offered at a time when banks are starting to see business tick up after some sluggish years, particularly in business lending.
“We’re starting to see a little more demand for commercial loans,” Lowell said. “We see signs that companies are willing to start reinvesting in their businesses and expanding — certainly not at a really fast level, but there are positive signs, and we haven’t seen those for awhile.”
Lending for home purchases, however, remains stagnant. “The big concern is that everyone has refinanced their mortgage, so the residential-mortgage business is really slow,” he said. “Unless we see property values go up and people looking to build new homes, that’s going to continue to be low for a little while.”
That trend is balanced by an ever-growing line of investment and insurance products that make Monson Savings, as Lowell put it, “pretty much a one-stop shop” for customers who want that.
“We have financial services available to both retail and commercial customers,” Desrochers added. “It’s nice to be able to say we have these mutual funds or annuity products. We can also help businesses with 401(k)s, life insurance, things of that nature. Those are important products to be able to offer.”
Overall, it adds up to a strong foundation on which to build, Lowell said.
“The primary goal is definitely to grow the size of the organization,” he told BusinessWest. “We know it needs to be larger in order to remain relevant in the marketplace, so we’re looking to do that.
“We’re also looking to expand commercial lending, and it doesn’t have to be limited to the three towns where we’re located,” he added. “We also need to keep a close watch on expenses; we need to remain profitable.”
Meanwhile, being a community bank, he stressed the importance of continuing the bank’s civic responsibilities.
“Right now, 10% of our bottom line goes back to the community in donations,” Lowell said. “That’s something the bank has done in the past that we’re looking to keep doing as we go forward. It’s a win-win for everyone; we get our business from the community, and for us to give back to the community, I think, completes that deal.”
As for Desrochers, he has no regrets upon leaving in June.
“This is why I’m retiring,” he said at one point, holding up the mug from which he had been sipping.
No, he’s not going into the coffee business. On the plastic container are several photographs of his grandchildren, a 6-year-old and a 3-year-old twins. Despite the regulatory and other challenges in banking today, he’s enjoyed his time at Monson Savings, but at this point in his life, he says he will enjoy the extra time with his family even more.
“I can’t believe it’s been 15 years already,” he said, “but it’s been an exciting time.”
Steven Lowell thinks the future can be just as exciting.

Joseph Bednar can be reached at [email protected]

Employment Sections
For Lower Insurance Premiums, it Pays to Keep Employees Fit

Healthier employees lead to lower premiums, according to numerous studies. If companies can help their workers improve their health without cutting benefits or shifting more premium costs to employees, where is the downside? After all, Fortune 1000 companies have been using wellness programs for years to combat the rising costs of health care.
So, the question is, why aren’t smaller companies using this proven method to lower their health care costs?
Randy Boss, a risk architect for Ottawa Kent Insurance in Jenison, Mich., helps companies implement successful wellness programs. And he says he can understand how employers feel.
“They’re frustrated because most likely they have tried things that didn’t work,” said Boss. “There seems to be a wellness vendor on every street corner these days and many use ROIs from Fortune 1000 wellness programs as their own, yet they had nothing to do with that program.”
All wellness programs are not equal! This is a very important problem and something companies need to understand when selecting the appropriate wellness program for their company.” Secondly, Boss says, “businesses tend to think short-term and not long-term, and expect to see solid and immediate savings on their health care costs.”
Yet, the benefits of having healthy workers transcend reduced health care costs, including workers’ compensation and lower absenteeism. Healthy workers are less prone to injury and when injured, they recover quicker than less healthy workers. Conversely, out-of-shape workers are at a higher risk for injury and healing is often delayed and complicated by other health factors. If workers change and modify their lifestyle and reduce their health risks, medical costs decline.
While this may seem intuitive, the connection between wellness and workers’ compensation has been slow to take root. The reasons appear to be separate risk-management departments overseeing workers’ comp and group health, concerns about expanding the employers’ liability for work-related injuries, a focus on workplace safety rather than workers’ health, and a number of small companies with high workers’ comp costs that do not offer health insurance have all been contributing factors. Still, one of the major areas of concern for employers is an out-of-shape employee.
According to a recent Duke University study, the cost of obesity among full-time employees is estimated to be $73.1 billion a year. This is the first study to quantify the total value of lost job productivity as a result of health problems, which is more costly than medical expenditures.
The report recommends that employers promote healthy foods in the workplace, encourage a culture of wellness from the CEO on down, and provide economic and other incentives to employees who show signs of improvement. And there is evidence that this plan can work for employers.
A University of Michigan study of a Midwest utility company’s workplace wellness program found that over nine years, the utility company spent $7.3 million for the program and reaped $12.1 million in savings. Medical and pharmacy costs, time off, and worker’s compensation factored into the savings. The study, which took into account a number of costs, including indirect costs of implementing wellness programs, such as recruitment and the cost of changing menus, showed that wellness programs work long-term even though employees aged during the course of the study.
Overall, the program cost the employer $100 per employee. The cost of lost work time, workers’ compensation, and pharmacy and medical expenses among employees who participated each year increased by $96, compared with a $355 increase among employees who did not participate.
This is good news for employers. Amid heightened cost pressures and leaner staffs brought about by the prolonged economic downturn, employers need to reduce all types of absences to help maintain productivity. While employers tend to focus their energies on controlling the highly visible health care costs, which are more easily shifted, there are significant opportunities to control other costs with wellness programs.
On average, employers can see a 30% reduction in workers’ compensation and disability claim costs, according to a review of 42 published studies involving the economic returns of wellness programs. Moreover, such programs will reduce the costs of absences that, according to the 2010 Kronos/Mercer Survey on the Total Financial Impact of Employee Absences, add up to 8.7% of payroll costs, more than half the cost of health care.
It stands to reason that healthier employees will use less sick time. But ultimately, companies need to make a commitment to helping their employees stay in better shape.
“Employers should focus on health and wellness at work,” says Boss. “Businesses should allocate 2% to 3% of their budget to an effective program that includes at least 90% participation by employees and a wellness coach on site to effect behavior change.”
Although budget and company size will dictate the type of program a company can undertake, there are five steps that companies should take before launching a wellness program:
Evaluate. Know your cost drivers. Analyze workers’ compensation, health care, and absenteeism data to identify common issues and trends. Understand the legal regulations governing wellness programs.
Do a workplace assessment. Examine the physical and cultural framework in which the wellness program will operate. Consider opportunities for on-site physical activity, partnerships with community wellness providers, local gyms or health and nutrition classes, on-site vending machines and cafeteria, etc. Identify the interests and motivation of employees as well as barriers to employee participation through surveys, wellness committees, along with an analysis of past efforts.
Educate. For several years, businesses have been shifting more of the costs of health insurance to workers through increased premiums and higher deductibles. Since 2005 workers’ contributions to premiums have gone up 47%, while wages have increased 18%. Employees are feeling the pinch. Show them how participating in a wellness program can affect premiums as a result of making less use of medical care.
Obtain management support. A wellness program will not succeed without the ongoing support of management. Communicate the goals of the program and assess the commitment of supervisors and management.
Identify goals and metrics for measuring success. When implementing a wellness initiative, senior management will want to see a return on investment. Establishing a consensus on the goals or metrics for measuring the success of the program will help shape the program and ensure its success.
When it comes to implementing a wellness plan at your place of business, it’s really all about risk versus reward. And the rewards can be huge, but only if the plan is properly implemented and the management team is committed to its success.

Preston Diamond is managing director and co-founder of the Institute of WorkComp Professionals (IWCP), based in Asheville, N.C. In 2010, IWCP created a sister organization, the Institute of Benefits & Wellness Advisors, that trains, tests and certifies select insurance professionals to apply the concepts of risk management to benefit; (828) 274-0959.

Employment Sections
Employment Board’s Strategic Plan Identifies Challenges, Game Plans

Bill Ward of the REB

Bill Ward says that one of the goals of REB’s new plan is to have the organization become known as the leading source of regional labor market information and innovative ideas.


The days when a college degree or training certificate combined with years of experience were enough to ensure job security and a steady path toward advancement have all but disappeared.
Today, rapid advances in technology and outsourcing have made job competition fierce. In fact, one of the key findings in the recently released Regional Employment Board of Hampden County Strategic Workforce Development Plan for Hampden County 2011-2013 is that life-long learning is essential to job creation, retention, and the economic health of the region.
The report, which took nine months to produce and involved partnerships, collaborations, a retreat, and data compiled over a six-year period, paints a clear picture of the state of the region’s economy, workforce trends, challenges, and opportunities for growth.
REB Executive Director William Ward says the plan also creates a framework for solutions to the identified challenges and covers a broad continuum, which begins at the pre-school level and runs into the future, addressing gaps that local businesses anticipate over the next decade.
“The REB is embarking upon a new and more expansive strategic direction, and we’re looking at workforce development in a more comprehensive way, because we want to build a more prosperous community,” Ward explained. “One of the essential components of a high quality of life is safe, secure employment with adequate pay.”
Meanwhile, he continued, there is a direct relationship between the number of people with the requisite skills to fill open positions and the strength of the economy in Western Mass.
“When a company inquires about moving to a new location, one of its top three questions is, ‘what is your workforce like?’ he told BusinessWest, adding, “people call it ‘talent management.’ So, the REB looks at jobs and their connection to human capital and views it in terms of supply and demand. We ask what employers are looking for and then look to see whether we are producing sufficient numbers of people to meet their needs, or overproducing them.”
Ward said many jobs have moved to Boston, which has an economy based largely on higher education, health care, and financial services, due to the abundance of qualified talent there.
REP staffers Kelly Aiken and David Cruise

REP staffers Kelly Aiken and David Cruise are focusing on training in health care and precision manufacturing, respectively, to meet the needs of businesses today and in the future.

Still, health care is the largest employer in Western Mass., and the area boasts a large number of precision manufacturing companies not found in the Boston region, he said. These two sectors play prominently in the report, along with the need for more education for people along the continuum.
Ward said that last year, more than 20,000 area residents sought employment assistance at the REB’s one-stop career centers in Springfield and Holyoke (FutureWorks and Career Point, respectively), but fewer than half were able to secure jobs. At the same time, many good-paying positions went unfilled, especially in health care, precision manufacturing, human services, and financial services. The reason? A lack of qualified candidates.
Kelly Aiken, the REB’s project director of Health Care Initiatives, said it’s critical that the curriculum at local schools and training centers is in line with both the needs of industry and job seekers. “Education doesn’t move as fast as industry, so we had to figure out a way to ensure a continuum for learners and career pathways. These are main threads that run through the report,” she said.
The REB doesn’t train people, but it is the “go-to place” for companies to find out how they can find qualified workers or obtain grants or other assistance to help them train their workforce or hire new people,” said Ward, adding that the organization uses federal dollars to set up training programs and facilitates the infrastructure between education and local companies.
“This is a business-led organization, and our role is to ensure that state and federal investments in workforce development are wisely spent and have a good return on investment,” he continued. “The REB’s new strategic plan is data driven and we aim to be the leading source of regional labor market information and innovative ideas for advancing workforce development.”
The REB develops, plans, and contracts with providers to hold workshops for people in the job market through its one-stop career centers, and also community colleges and training schools. It also works hand-in-hand with businesses to create internships and increase work-based learning opportunities that align closely with the needs of industry.
“The jobs that have left this region are not coming back,” Ward explained. “And if new jobs emerge, people will need new skills, so workforce training is integral to our mission.”

Learning Curves
Springfeld and Holyoke have been earmarked as Gateway Cities with high levels of poverty and comparatively high dropout rates within their school districts, and those figures play a significant role in the REB’s report.
Ward said recent research shows that 74% of students who don’t read well in third grade will continue to have difficulty, which can lead to dropping out of school and lost opportunities. And local MCAS scores show gaps in the areas of reading, science, and technology — areas directly related to the types of jobs that will be available to graduates in the future. The picture doesn’t get better at the community college level, where one of every three students drops out because their schooling is too costly or they need too much remediation.
“Although Massachusetts ranks number-one in public education and the use of technology, the problem is that we have pockets and gaps within the community with very low achievement,” Ward explained. “Springfield and Holyoke are two of those pockets, so we need to make an above-average investment to close the educational skill gap. That’s why a strategic plan for our area is very different than one for Boston or Cambridge would be.”
The REB has several initiatives in place to expand family literacy. One is a pilot program called “Talk, Read, Succeed,” which is a collaboration between Springfield Public Schools, the United Way, Springfield Housing Authority, and the Irene E. and George A. Davis Foundation. The goal of this early-literacy project is to help ensure that children from 200 families in two Springfield public housing developments are proficient readers by the end of third grade.
Ward said studies show that the vocabulary of first-grade students is directly related to their environment. Children from poor neighborhoods and homes are deficient in this area, and once they start school, they usually experience learning setbacks every summer.
The staff members in “Talk, Read, Succeed” will work with families to help them increase their children’s vocabularies, and will also provide programs to help improve the odds that students will retain what they learned in school. In addition to helping children, “we’re also going to set up literacy programs for parents who want to learn English or get a GED,” Ward said.
The Hasbro Summer Learning Initiative is another program with a similar goal. In its third year, it serves about 2,000 children up to age 12 during the summer. Ward said the data is very clear that students in the program are making gains every summer instead of losing what they learned.

Making Connections
The new workforce plan also reinforces the REB’s commitment to partnerships. Ward said government cannot pay the entire bill for ongoing education, and that local businesses need to make investments in workforce development to remain competitive.
“They need to see it as an investment, not as a cost. Although we focus on adults, youth is the pipeline of the future and that begins at the pre-kindergarten level and goes up to age 21,” he explained. “We have to find ways to prepare our youth, stem the dropout rate and increase the graduation rate. It’s not simple, but we need to manage our human capital because it is the only way to ensure that the supply will meet the demand.”
Precision manufacturing is one of the areas targeted in the new plan, and David Cruise, director of Business and Employer Services, has been working with the Western Mass. Chapter of the National Tooling and Machining Assoc. (WMNTMA) to make gains in this arena using data collected from 33 local employers over a period of six years.
Last year these employers added 103 new jobs, which represents a 8.6% increase over the previous year. In addition, their sales increased 9.5% over the previous year to about $21 million.
“The sector is growing, and the REB has targeted it as having significant long-term potential for the area,” Cruise said. “The work they are doing is not going offshore, so we are trying to have the Pioneer Valley become ‘Precision Valley.’ We have companies here with the technology, leadership, and the skilled workforce to become what can be known as a precision manufacturing hot spot.”
WMNTMA and REB have joined forces, and are offering 34 evening courses for incumbent workers. They are also working diligently to encourage junior high school students and even elementary school students to to consider manufacturing — a sector that that has taken some public relations hits over the years as plants have shut down and jobs have moved overseas — as a viable career option.
In addition, local employers are donating equipment to schools, staging workshops and conducting tours of their facilities to showcase the types of jobs and environments they offer, and attract young people.
“The continuum is important, so we have put together a training network that utilizes the resources at several local companies along with local vocational technical high schools and Springfield Technical Community College, which is a major venue because it has a mechanical engineering technology program,” Cruise said. “Incumbent employees are volunteering for this training, and classes are held at these sites four nights a week.”
The new workplace plan also recognizes the industry’s concerns over its graying workforce.  “The owners of precision machining companies are very concerned about how they will replace those individuals. They expect to lose 25% to 27% of their employees over the next decade,” Cruise said.
Health care is also a major focal point of the new strategic report. “The plan highlights the fact that we are actively engaged in convening and building partnerships to ensure the region has a quality health care workforce,” Aiken said, adding that there is a major focus on jobs in elder care that will open up due to the fact that Baby Boomers are aging.
In fact, the face of the medical field is changing, and Aiken said health care workers of the future will need to plan to work in long-term care, home health, and community based venues instead of setting their sights only on acute care facilities or hospitals.
“It is our job to consistently stay in front of industry needs, which we do through partnerships, data collection, changing curriculums, and matching people with jobs,” she told BusinessWest. “One of the key themes of the strategic plan is how to do a better job defining and promoting seamless career pathways. Health care is changing dramatically, and it is a challenge to marry sector initiatives with federal funds to build a system that will support people on their continuous lifelong journey.”
In short, cooperation and investment in education is critical, and strategic workforce collaborations are more important than ever before.

The Bottom Line
Officials at the REB recognize that their goals are ambitious, but they plan to measure their progress, and are guardedly optimistic about the future.
“What is new about our sector initiatives is the realization that people need to learn outside of their silos,” Aiken explained. “Ongoing, sustained partnerships are required to ensure that we are always ahead of the game.”
Ward agreed. “The report is a call to action,” he said. “Everyone in the community needs to work more closely so the size and preparedness of our current and future workforce will make us more competitive as a region.”

Employment Sections
Presenteeism Is a Growing Workplace Challenge

Bob Oldenberg

Bob Oldenberg says that in an era of two-income households, parents are bringing more stress and anxiety with them to the workplace.

Everyone knows what absenteeism is — staying home from work due to sickness or some other reason. Not everyone has heard of its counterpart, presenteeism — but anyone can understand the concept, which is basically coming to work but being too sick, distracted by personal issues, or just plain disinterested to get much done. It’s a major cost to employers — and a growing problem, as technology provides new ways to waste time on the job. While it’s impossible to eliminate presenteeism entirely, some human-resources experts say effective communication between management and workers can reduce its impact.

Virtually everyone has shown up at work under the weather, with nagging allergies, a nasty cold, or a more serious chronic condition.
Or they’ve spent the workday anxiously fretting over their failing marriage, their kids’ failing grades, or their parents’ failing health.
Or they’re just, well, failing to get anything done, arriving at the office more in the mood to post on Facebook and text their friends than earn the money they’re being paid.
All of these situations fall under the umbrella of presenteeism, which is a term not everyone has heard, yet is a concept anyone can understand.
Originally, presenteeism signified the opposite of absenteeism, explained Sandy Reynolds, executive vice president of the Employer’s Resource Group at Associated Industries of Massachusetts (AIM). “It meant somebody who came to work when they were sick because they wouldn’t get paid at home. And there is a cost to having people come to work when they’re sick, in terms of reduced productivity.
“Over time,” she continued, “in the business community, the definition has been expanded to people who are at work who are either not well or distracted by child-care issues, elder-care issues, marital problems, discipline issues with their kids — in general, people who are coming to work but are not fully productive because of some health-related or family-related issue.”
And for employers, it’s a monumentally costly issue. According to the Society for Human Resources Management, absenteeism costs U.S. companies $118 billion annually in medical expenses and lost productivity. But presenteeism — stemming from illness, stress, family and personal issues, and what the society calls an “entitlement mentality” — costs companies an estimated $180 million.
Other estimates are even higher, and most studies admit that it’s not an easy number to pin down. And it’s not a problem that can ever be totally eradicated — as long as human beings, and not machines, are doing the work.
“Many times in the traditional work world, things are happening in our lives that are out of our control,” said Patricia Guenette, vice president of Human Resources for Square One, the Springfield-based early-education provider. “They could be marital issues, financial issues, educational issues — a variety of things can happen in everyday life, regardless of your status.”
If this broader definition of presenteeism is a relatively new concept, that’s partly due to the fact that today’s professionals bring more personal baggage with them to work because no one’s at home to focus on these issues.
“In very many families, both parents are working,” said Bob Oldenburg, director of the Baystate Employee Assistance Program in Springfield, a department of Baystate Health.
“If you look back a generation ago, you typically had a working father and a mom at home, which freed up the dad to focus on work,” he continued. “Those days are long gone; even in intact families, quite often both people are breadwinners in order maintain a certain standard of living, and that creates pressure because neither may be available to deal with what’s going on at home.”
Reynolds, Guenette, and Oldenburg were among the panelists at a recent seminar on presenteeism sponsored by AIM and the Economic Development Council of Western Mass. They spoke to BusinessWest about reasons employers need to hear such a discussion, and what they can do to help workers who are struggling to balance work and life — and often falling short in both realms.

Present and Unaccounted For
Presenteeism is a fairly new concept, Oldenburg said.
“It was developed over the past 15 to 20 years or so, and while the term can sound pejorative, I think it’s important to point out that there’s a variety of demographic trends driving this issue. All of us can identify a time when we fell into the category of being at work but not being as efficient or productive as we could be.”
Indeed, the reasons for a notable uptick in presenteeism — and corresponding loss of productivity — are many, but most reflect changes in the modern workplace. They include:
• Two-income households and more working mothers. As Oldenburg noted, the past 40 years have seen a dramatic demographic shift in how families divide work and home duties. Where the 1950s model saw a working father and a mother holding down the home front and its attendant child-care duties, the modern family is more-often characterized by two incomes, or, in many cases, working single mothers.
This means that, when a child is too sick to go to school, or other household issues arise, one parent’s workday is often disrupted.
“One thing I urge employees to do is be better-prepared to deal with unexpected circumstances and have back-up plans for when a child suddenly becomes ill or a child needs to be picked up from school,” Guenette said.
If someone doesn’t have child-care plans they feel comfortable with, she added, “often their mental status isn’t there at all; while at work they’re thinking about the care of their child — is the child getting nurtured? Is the child eating? All those things reduce their level of productivity at work. If they had an appropriate backup plan, it’s an easier transition, and then they can really focus on going to work and giving it their all.”
On the flip side, many parents use their limited sick days to stay home when their children are home from school with an illness, and consequently don’t have any when they’re sick themselves — which risks the spread of illness throughout the office, thereby compounding the effects of presenteeism in its classic form.
• The ‘sandwich generation.’ This is a term that descibes people who are both raising children and providing some level of care to their elderly parents — while, in many cases, holding down full-time jobs. Needless to say, the distractions from the home front can mount quickly, Oldenburg noted.
“That’s a really new concept, the reality that we have a generation of people at work dealing with issues at both ends of the spectrum,” he said. “These pressures are pushing on people who are trying to work while meeting the challenges from two generations, above and below.”
• The ‘knowledge economy.’ “Before,” Oldenburg said, “many workplaces just needed your arms and legs; if you put the widget in the right place and didn’t stick your arm in the machine, that was fine. People were needed for what they could do, not their hearts and minds.”
But today, he continued, “the economy has moved in a direction where workplaces, in order to be most effective, need not only your arms and legs, but hearts and minds. That kind of engagement requires a higher level of attention and ‘presentness,’ if you will.” And that can magnify everyday distractions to the point of seriously hindering productivity.
At the same time, he said, the global economy has forced many companies to scale back and require greater productivity from each employee — making each distracted worker more of a liability to the business than he or she used to be.
• The rise of the Internet. A 1999 study sponsored by the Employers Health Coalition calculated that lost productivity from presenteeism is 7.5 times greater than that from absenteeism. That statistic has only risen since then, as the Internet — not to mention texting and other high-tech communications — has become a much more ubiquitous use of office time, and not just for work-related duties.
“It’s so much easier today to look busy because so much work is done on the computer, and unless you have all the computers facing your doorway, it’s a huge problem for employers,” Reynolds said. “Employees spend an unbelievable amount of time surfing the Web. It’s a lot easier to look busy when you’re not doing the work you’re supposed to be doing.”
• Everything else. It was easier to gauge the extent of presenteeism when it simply meant coming to work sick, but including every other distraction in the definition makes it tougher for employers to get their arms around.
“Whether it’s asthma, allergies, or chronic conditions, people might be at their desks but not productive because of how they’re feeling physically,” Oldenburg said. “But it’s more than that: anything that’s going on that keeps people from being active and engaged at work — including interpersonal or relational issues — may drive presenteeism.”

Human Resources
In the face of what must seem like overwhelming amounts of wasted time, many employers are asking what they can do to reverse the trend toward presenteeism. Equally important, Reynolds said, is what they should not do.
“Any time an employee is at work and is not able or willing to give 100% effort, it’s a problem for the employer,” she conceded. “But they can’t solve people’s personal issues. While they should give people information about resources available to them, and encourage them to take advantage of those resources, if they try to solve their problems, it’s a disaster.”
That said, any personal distraction is an issue for employers who are paying for time focused on the job.
“Ultimately the jobs have to be done,” Reynolds said. “Don’t be oblivious to what’s going on in the company, but be realistic about what you can provide and the ultimate reason the company is there and the employee is there. The best employers are not heartless; they care very much, but they realize they don’t have a magic pill, and they can’t solve everyone’s problems.”
So what can they do? She and others pointed to employee-assistance programs (like Oldenburg’s in the Baystate system) and other human-resources outreach efforts that can link employees with outside resources to help them deal with personal, financial, or family matters.
“There’s no way to eliminate presenteeism 100%, but you can diminish it greatly using a variety of different resources,” Guenette said. “Having resources to help in those difficult circumstances, and somebody to turn to on a consistent basis, is usually a big help for employees.”
Part and parcel of the employee-assistance process, Oldenburg said, is understanding the needs of the company’s workers.
“Because Baystate is a health care organization and we are a woman-dominated workplace demographically,” he explained, “in addressing presenteeism, Baystate wants to look at the kinds of issues showing up primarily for women. The goal is knowing what kinds of challenges are facing your workforce and the variety of ways you can get at that.”
Square One’s Guenette agreed. “You really need to know the demographics of your workplace, and understand the needs of your employees, to be able to respond to those needs,” she said. “If the workplace is mainly from the Baby Boom generation, their needs will be different than an organization where most employees are females and in their childbearing years.”
Another key factor, Oldenburg said, is knowing the difference between employee satisfaction and employment engagement. His organization and others are starting to move toward surveying workers on both.
“It’s management’s responsibility to know what’s going on when productivity or performance is suffering. It’s an issue,” Reynolds said. “It’s all about whether an employee is engaged and willing to give effort toward their job.
“You may have an employee who’s very satisfied; he likes the company and is paid adequately,” she added. “Yet, he may not be very engaged at all in the work he should be doing. I think that was an eye-opener to some people in the room” at last month’s seminar.
Guenette said good employers understand, for example, why parents (especially first-timers) will fret over leaving their child in the care of someone new, which is why it’s important that a working mother or father plan ahead for such contingencies. But, in the same way, employers can plan ahead too, by understanding the unique personal needs of their workforce.
“The sooner you begin to identify and address these issues, the better it’s going to go for the organization and the employee,” Oldenburg explained, adding that employers can also model good wellness habits — healthy snacks in vending machines, posted signs about handwashing and infection control — that cut down on the number of employees who come to work sick.
Meanwhile, he added, “there are many ways in which supervisors and managers can check in with employees and identify when there might be an issue, and point people in the right direction.”
Guenette agreed that communication is key.
“Our workforce knows they’re valued, and as an employer, you want to work with them to handle their issues,” she said. “When you give them opportunities and resources to choose from, it makes the whole situation much better for them, and for us as an employer.”
Meaning that life goes on — but the work gets done.

Joseph Bednar can be reached at [email protected]

Opinion
To Keep Jobs, Don’t Kill Tax Incentives

The debate about state economic policy has escalated in recent weeks, fueled by Fidelity’s decision to move jobs to neighboring states. While it’s good to have an honest and open conversation about state economic policy, we shouldn’t focus the discussion so narrowly that we miss the bigger picture.
Every month thousands of Massachusetts companies make decisions about adding, locating, or reducing jobs. The question is how to make more of those decisions go in our favor. The best way to do so is by sustaining the state’s leading industries, including financial services.
Financial services is a huge, under-realized contributor to Massachusetts’ economic strength, directly employing nearly 170,000 people and supporting one to two times that number of jobs in related industries.
The tax benefits from those jobs are immense — income tax payments representing 20% of total income-tax collections, hundreds of millions of dollars in state sales taxes, and hundreds of millions in property taxes.
How can this economic cluster be protected and nurtured in the face of competition and technological innovation that enables many of its functions to be performed anywhere in the world? A key answer can be found in a forward-thinking tax policy enacted in the mid-1990s — single-sales-factor apportionment.
The single sales factor bases firms’ state income tax on their sales in Massachusetts, instead of on a combination of sales, property, and payroll. It has been unfairly labeled a “Fidelity tax break’’ — unfair because it affects an entire industry, not just one company, and because it is not a tax break.
When Massachusetts passed a single sales factor law in the mid-1990s, it lowered the cost of employing people here. It spurred the creation of thousands of new jobs, preserved thousands more, and was fully complied with by the companies it affected.
More than half of all states have adopted some form of single-sales-factor apportionment. The adoption of single sales by neighboring and competitor states should lead us not to question its effectiveness or validity, but to strengthen our resolve to preserve it.
The financial services story — of large economic impacts, and tax policies that promote growth — applies equally to manufacturing, high technology, and other critical industries.
If we preserve the single-sales-factor, and take additional steps to lower the cost of job creation, we will win more than our fair share of battles for jobs and investment.
The future of the Massachusetts economy depends on it.

Michael Widmer is president of the Massachusetts Taxpayers Foundation. Jim Klocke is executive vice president of the Greater Boston Chamber of Commerce.

Features
He’s in the Business of Making “Entertaining Art”

Kevin Rhodes

Kevin Rhodes Music Director, Springfield Symphony Orchestra

Kevin Rhodes was on a tight schedule, but then … he usually is.
On the day he managed to squeeze in some time for BusinessWest,  Rhodes, the long-time music director of the Springfield Symphony Orchestra, had a lot on his plate, including everything from rehearsals to auditions for ‘first oboe.’
He was actually on break from the latter when he sat down for an interview in a tiny room off the box office at Symphony Hall, a site chosen to ensure that those vying for a job with the SSO would have complete quiet for their tryouts.
Candidate review — and the ultimate selections — in such searches are made by committee, Rhodes explained, adding that he is among several, including others in the orchestra who will play alongside the first oboe, who will listen to the hopefuls as they perform behind a curtain, so that the music — and only the music — is under consideration.
“These are completely anonymous … we’re careful not to use any gender-specific pronouns  — people will just say ‘candidate No. 5,’ or ‘the next candidate,” Rhodes explained, adding that the work of assessing hopefuls’ abilities to play music and perform as part of the SSO is a very subjective exercise, a blend of art, science, and entertainment.
Which makes it much like the profession of orchestral conducting itself.
“People ask me if what I do is art or entertainment,” Rhodes, now wrapping up his 10th season with the SSO, explained. “I like to tell them that I try to make it entertaining art.”
There is much more to the job description, of course, he went on, adding that, to one degree or another, conductors must be musicians, marketers, and, in many ways, promoters of the arts, and especially music, in the communities in which they work. Rhodes has woven all three into his tenure with the SSO, and is credited by many with bringing heightened energy and a greater sense of awareness to the 67-year-old orchestra.
Meanwhile, he has become the face of the SSO  — his image is used in most all of the orchestra’s marketing materials — and a fixture in the community, performing, guest lecturing, and teaching classes such as the one at the Community Music School on how to listen to music.
“There are several different ways to listen,” he said, adding that he explains them over the course of four sessions that are part of the school’s adult education extension program. “You can let the sound wash over you, like you’re taking a wonderful bath in it. But there is a more ultimately rewarding way, if one has just has a few tools to do that.
“It’s called ‘active listening,’ where while you’re listening to it, you’re sort of sorting through what’s coming at you,” he continued, gesturing with his hands in motions not unlike conducting, while noting that it would take several hours to explain exactly how one does such sorting.
For this, the latest in its ongoing series of profiles, BusinessWest did some active listening, and learning, as Rhodes discussed everything from his batons and how he needs to find another supplier — “I’m actually running low on them” — to how he’s reducing that tight schedule, or “calming the rhythm down,” as he put it,” in some respects, but still racking up the frequent-flyer miles.

Achievements of Note
On the day he spoke with BusinessWest, Rhodes was without his watch.
“I hardly ever forget it, but today I did, and I feel quite naked without it” he said, adding that, unlike those who rely on their cell phone for the time, he still looks at his wrist several dozen times a day.
And he needs to, given the schedule he keeps with just his two main professional assignments — as music director with the SSO and also with the Traverse Symphony Orchestra in Michigan. Consider this rundown of one recent stretch, which was, in most ways, quite typical.
“Three weeks ago, we had a big concert here with a huge reception after for my new contract signing,” he started. “The next two days were full of auditions, and the two after that were huge youth concerts, with thousands of kids. I then flew to Michigan, and the next day had a full day of meetings, a radio interview and a preview party for the upcoming season. The following days were filled with rehearsals with chorus and orchestra for Braham’s Requiem, then the performances and receptions. I did a radio commercial on Monday, flew home Monday night, and taught my class in listening to music on Tuesday.”
And while he’s forever looking at his watch, Rhodes also spends considerable time adjusting it for the time zone he happens to be in — or is flying toward.
Indeed, since leaving a host of concurrent assignments in Europe for his position with the SSO in 2001, Rhodes has crossed the Atlantic countless times for guest-conducting work at such venues as the Paris Opera, La Scala in Milan, the Verona Opera, and the Dutch National Ballet, among others. And in recent years, his plane rides have been longer; he toured Australia with the Paris Ballet in 2009, and last fall, he joined the Dutch National Ballet on tour in China.
Such locations, and assignments, are literally worlds away from Evansville, Ind., where Rhodes was born, spent many days (and also nights and early mornings) at his parents’ 24-hour “trucker diner,” and developed his passion for music.
“When I was in kindergarten, I was totally taken with the teacher playing the piano, so I started bugging my parents for lessons,” he said, adding that his family secured a piano from the same man who serviced the juke boxes at the family’s diner. “I found a young teacher — I think she was 16 when I started with her — and started playing in the school choir when I was 11.
“This led to playing for community theater when I was 13, and conducting for community theater when I was in high school,” he continued. “And by that time, it was pretty clear what I wanted to do.”
He received a bachelor’s degree in Piano Performance from Michigan State University, and later a master’s in Orchestral Conducting at the University of Illinois. He then served as music director of the Albuquerque Civic Light Opera, while also teaching piano at the University of New Mexico, before relocating to Switzerland in 1991.
His professional career unfolded in Europe, where he led many different orchestras, including the Vienna State Opera Orchestra (the Vienna Philharmonic), the Berlin Staatskapple, the Zagreb Philharmonic, the Dusseldorf Symphony, the Duisburg Philharmonic, the Swiss Chamber Philharmonic, the Symphony Orchestra of Madrid, the Basel Symphony Orchestra, and many others.
By 2001, he said, he and his wife made a conscious decision to return to the United States, and thus began what he called a quiet search for job opportunities. This can be a lengthy, laborious process, he continued, adding that positions like the one that opened in Springfield are filled at a “glacial pace.”
Citing the factors that brought him to Symphony Hall, he said geography played a small part — “Springfield is a perfect springboard to Europe” — but the institution and what people told him about it weighed much more heavily.
“I made some calls to people I knew in the Northeast,” he said. “They all raved about it, I applied, and it all worked out.”

Sound Strategy
As he talked about his work and job description, Rhodes returned to those words ‘art’ and ‘entertainment.’ They are both integral to what he does as music director.
But there is much more to it than that, he said, adding that he considers work to promote the orchestra, music, and the arts in general, to be a big part of his assignment.
And it’s a part he enjoys and feels quite comfortable doing.
“I seem to have an outgoing personality and I like people,” he explained. “I like meeting people and talking with people, and a love talking about music, so for me it’s an easy fit; I started going out in front of people at age 10 at kiddie talent shows, so I’m comfortable with the entertainment part of this and being the face of the orchestra.”
Rhodes said that not all conductors are as adept at, or comfortable with, the marketing aspects of this profession, and with larger orchestras those skills are certainly less necessary. But in markets like Springfield it’s what he called “a huge responsibility.”
And it takes many forms, from media interviews, to being highly visible in the community and doing what would be considered outreach work, to helping the public access and appreciate music.
“One of the messages I try to leave with people is that there’s so much that they can know about any piece of music that we play, but they can actually enjoy it without knowing any of that,” he explained. “It’s like listening to music — there are many ways to do it; you can listen to Beethoven knowing all about him, or you can listen to it, and enjoy it, thinking ‘that’s Beethoven, whoever that is.’
“I always try to make that point, because so often people think there’s no way they can enjoy it unless they know a whole ton about Beethoven,” he continued. “Once you get people over that fear, that concern factor, it’s amazing how it almost becomes a drug; they come more and more and they get more into it. It is infectious, and it’s great to see this curiosity inside of people that they didn’t know they had.”
Looking ahead, Rhodes, with that new contract signed, said his immediate career goals involve continuing the work he’s done in Springfield, Michigan, and elsewhere, specifically those efforts to introduce people across all social strata to music and essentially make them thirsty for more.
“I want to continue to expand our audience,” he explained, “but with the audience we have, which is very dedicated to us, I want to expand the concept of what is possible for them; I want them to expand their world and enable them to gain more from the experience of listening to what the orchestra plays.”
He’ll have plenty of opportunities to do that, because despite this talk of scaling back, schedule wise, he’s actually taking on more — at least on this side of the Atlantic.
In recent years, a typical schedule would look like the 2009-2010 slate, which included nine concerts in Springfield, six in Michigan, three productions with the Paris Ballet, or roughly 60 performances, two series of productions with the Dutch National Ballet in Amsterdam (another 30 performances), and a production at La Scala, with nine or 10 performances. And for this season, he took on the additional assignment of music director of the Pro Arte Chamber Orchestra in Cambridge, Mass., and four performances there.
To create some breathing room, he’ll pare the schedule in Europe slightly.
“There have been several occasions when I’ll be finishing the last performance in Europe on a Tuesday or Wednesday and get back either the night before, or even the day we begin rehearsals for a concert here,” he explained. “I’m calming it down from that.”

The Finale
As for those batons he uses … Rhodes said his supply came mostly via a “very colorful character” who hung around the Vienna State Opera in the 1990s.
“He had this music publishing and baton-making business, and it was all quite suspicious,” he said, choosing that last word carefully while noting that this was the middle man in the operation and the batons were actually made by someone else. “I am concerned, because I’m getting low on these, and I believe both of those characters are no longer with us.”
Finding a new supplier will be something else he’ll have to find room for in that  schedule that soon will be lighter but still quite crowded — in between teaching people how to listen to music, assessing first oboe candidates, and, most importantly, making art entertaining.

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

40 Under 40 The Class of 2011
Owner and President, NRG Real Estate Inc.

Nick Gelfand

Nick Gelfand

Nikita Robert Gelfand’s parents didn’t plan on giving him initials that sound out a word, but he’s definitely had the ‘NRG’ to succeed.
Having immigrated to the U.S. from Russia at age 11 with his family, Gelfand said that he always liked real estate, and he knew, even as a child, that he wanted to own and operate properties. But he has always marched to the beat of a different drummer, he said, and after working for a larger realty company, he knew the time had come to hang out his own shingle.
“Maybe it was the hot market I got into in 2003,” he joked. “Those boom years were awesome. I realized it was something I could make a living at — which is nice, when you can do what you love.”
He’s equally committed to bringing the sum total of his professional experience to others in need.
“I think it’s important for everyone in a community to give back to the community,” he explained. “You always look for somewhere you can contribute that’s close to your heart. There are many great charities and nonprofits to be a part of, but Habitat for Humanity seemed right for me. Because I help people buy houses in my everyday life, it just seemed like a natural fit to help these folks who wouldn’t otherwise qualify for a mortgage in a traditional way.”
As a board member for the Greater Springfield chapter of Habitat, Gelfand also helps to coordinate the Fall Festival campaign, which last year raised more than $35,000.
Meanwhile, at work, Gelfand said that helping people get into their first homes is one of his proudest accomplishments — one he gets to enjoy on a weekly basis. “Some of my favorite clients to work with are first-time homebuyers, because I was in their shoes very recently.”
It’s the American Dream, he said, for a kid from Russia to own his own business. And with his energetic approach to real estate, he’s making that dream come true for others.
— Dan Chase