Cover Story
Area Farmers Benefit from a Changing Landscape

Ryan Voiland, owner and manager of Red Fire Farm

Ryan Voiland, owner and manager of Red Fire Farm, awaits customers at the weekly farmers market at Springfield’s Forest Park.

Joe Shoenfeld calls it “an attitudinal shift.”

That’s how he chose to describe a movement, for lack of a better term, that has made terms like ‘fresh,’ ‘healthy,’ ‘organic,’ ‘sustainable,’ and especially ‘local’ not just adjectives that dominate the lexicon — and also the marketing materials — of those who grow, sell, and prepare food, but also part of this region’s culture.

“I think we’ve definitely moved beyond something that could be called a fad or a trend regarding local purchasing and local food,” Shoenfeld, associate director for the Center for Agriculture, Food and the Environment in the College of Natural Sciences at UMass Amherst, told BusinessWest. “Cynics may think it will fall away, and maybe interest will decline from where it is now. But what we’re seeing is a real shift, especially in Western Mass. There’s been a shift in attitudes about the local economy and about food, especially among the younger generations.”

And this shift is having a rather profound impact on the region’s agricultural sector, one that has manifested itself in countless ways. These include the rapidly growing number of farmers markets in area parks, downtowns, bank parking lots, and on the grounds of major employers like MassMutual and Baystate Medical Center; the buying habits of UMass Dining, the largest operation of its kind in the country, serving more than 45,000 meals a day; the ranks of restaurants loudly boasting a farm-to-table operating philosophy; the number of students in the Sustainable Food and Farming program at UMass (there were five in 2003 and 150 this past spring); and the number of acres Ryan Voiland is devoting to kale, that leafy green vegetable that has seen its popularity skyrocket in recent years.

“Kale has really taken off — as have many other things,” said Voiland, 37, owner and manager of Red Fire Farms, operating in Granby and Montague, and one of a sharply rising number of people who are considered new to the profession — and finding opportunity in that aforementioned attitudinal shift.

Joe Shoenfeld, right, and John Gerber

Joe Shoenfeld, right, and John Gerber both say that students at UMass Amherst reflect what they call an attitudinal shift toward buying local and eating healthier food.

Voiland, who said it would take less time to list what he doesn’t grow, now sells at many of those farmers markets, offers CSA (community-supported agriculture) shares, supplies several area restaurants and co-ops with fresh produce, and recently inked a roughly half-million-dollar contract with the Wegmans supermarket chain, which is expanding its reach in the Bay State.

“They approached us because they heard we had pretty good stuff, it’s certified organic, and in Massachusetts,” Voiland explained, adding that the first deliveries will begin in a few weeks. “They really wanted to link up with a farm that could provide enough volume to supply their Massachusetts stores, and they also want to promote that they’re making organic local produce available in their stores.”

Such motivations help explain why sales at nearly all of the farm’s various outlets have grown, and also why the Red Fire story is typical of what’s happening locally, both with relative newcomers like Voiland and individuals whose families have been working the land for generations.

This shift didn’t come about quickly or easily, and in many ways it is still evolving, said Phil Korman, executive director of Communities Involved in Sustainable Agriculture (CISA), which advocates for area farmers, engages the community to build the local food economy, and has launched, among other initiatives, the ‘Be a Local Hero’ program that now boasts more than 400 members, meaning those who grow products locally and those who buy them.

The new attitude came about through hard work on the part of CISA, other industry groups, and individual farmers themselves to generate far greater appreciation for the foods being grown and those tilling the soil, he explained.

“Part of what the problem has always been is that there’s been a lack of respect for the people who are growing our food and other farm products,” he said, adding that this is another attitude that is changing. “We’ve created an environment in this region where people love their farmers and they want to buy from their neighbors who are farmers.”

For this issue, BusinessWest takes an in-depth look at how the landscape is changing, figuratively and quite literally, for area farmers, and why many believe, as Shoenfeld does, that this is not a trend or a fad, but a change with staying power and vast potential for growth of a proud industry.

Root Causes

Gideon Porth says farmers in Western Mass. probably have a different working definition of ‘drought’ than their counterparts in many other regions — especially those toiling in California, for example, which is experiencing a dry spell of epic proportions.

“In New England, we go two weeks without a drop of rain, and we start screaming ‘drought,’” Porth, owner of Atlas Farms in Deerfield and another newcomer to this profession, explained in a voice that blended sarcasm with a large dose of seriousness. “But we’re at about the one-month mark now, which is totally unheard of in April and May; we never seen that long a dry stretch, and the farm’s about as dry now as I’ve ever seen it.”

Gideon Porth, owner of Atlas Farm in Deerfield

Gideon Porth, owner of Atlas Farm in Deerfield, is one of many individuals who would be considered new to the profession.

And on the day he talked with BusinessWest, there was no end to this dry patch in sight. Indeed, the showers that visited early that morning did little more than make the dust more settled, he said with a laugh.

But while area farmers are looking at the blue skies with some apprehension (things were still quite dry at press time), there are fewer storm clouds in a figurative sense as well, and that development bodes well for a sector that was in sharp decline and defined by serious questions only 20 years ago.

Indeed, CISA was created out of concern for the future of this sector and a desire to advocate for it, said Korman.

“CISA started amid conversations among farmers and farm advocates who, in the mid-’90s, were concerned about the challenges to agriculture in Western Massachusetts,” he explained. “And some of those challenges still exist today — the challenge of accessible farmland, the loss of farmland to development, competing in a global economy, and public policy favoring very large industrial farms.”

Out of those conversations, a grant was obtained from the Kellogg Foundation to basically use marketing for social issues, he went on, adding that CISA began to promote local farms to their neighbors. And two decades later, it’s clear that these efforts have been quite successful.

Indeed, the 2015 edition of CISA’s Locally Grown, a farm-products guide covering the Pioneer Valley, now boasts more than 400 busineses, including more than 250 farms that grow products and a host of restaurants, co-ops, supermarkets, colleges, hospitals, retirement homes, and other businesses that sell or buy them.

“Every single year, that number goes up,” said Korman, adding that there are now more than 60,000 copies of the guide published, putting information in the hands of those who want to buy local and buy healthier foods — a rapidly growing constituency.

How this attitudinal shift described by Shoenfeld, Korman, and others came about is largely a function of changing priorities and growing concerns about health and the environment. And while this movement is cross-generational, in many respects, it is younger people who are leading this charge and who also have the power — and the inclination — to ensure that this isn’t a fad.

“This change has been evolving for a long time,” said Shoenfeld. “And I think it goes all the way back to basic understandings about ecology that started with Silent Spring [the Rachel Carson book credited by many with igniting the environmental movement in the ’60s], and moved on from there to climate change and personal human health and the unexplainable new health problems that our culture seems to be coping with.

Phil Korman

Phil Korman says one of CISA’s goals is to expand economic opportunities for farmers, which it does through initiatives ranging from its ‘Local Heroes’ program to winter farmers markets.

“People are concerned and want to see what they can do themselves to control those aspects of their life that they can,” he went on. “And one of the aspects of your life that you can have a little more control over is what you eat and where it comes from. Perhaps not total control, at least at this point, but more. I think that’s where this is coming from.”

John Gerber, a professor of Sustainable Food & Farming at UMass Amherst, agreed, and referenced students at the university as examples of those espousing what might be considered new thinking.

“There’s both fear and opportunity,” he said with regard to current events and daily headlines. “Every time you open the newspaper, you see an egg recall or a cantaloupe recall, or a processed-food recall, and that leads to question marks. And then, these students see opportunity; they go to the dining commons and see that their potatoes are coming from a farm almost within eyesight of that dining commons.

“And there’s a connection there — a meaningful connection to something that’s real,” he went on. “The processed foods — things that come in a can or a box — don’t feel real, and a lot of people, especially young people, are searching for meaning in their lives. And food is something you can actually do something about.”

But there is much more to the buy-local and eat-healthier movements than college students looking for meaning, said those we spoke with, adding that society in general is trying to get healthier and paying more attention to the notion of supporting the local economy.

The trend, or shift, hasn’t caught on everywhere, said Gerber, but there are some hot spots, and the Bay State — especially Western Mass. — is certainly one of them. (Washington and Oregon would constitute another, while Southern California would be a third.)

“From a production perspective, we’re seeing a lot of young farmers getting involved in what they consider to be a meaningful life, producing something real — food for a population that seems to demand it,” he explained. “There are many places in this country where this is not on the radar, but we’re seeing it grow.”

Experts in Their Field

Since arriving at UMass Dining more than a decade ago, Ken Toong, who now leads Auxiliary Enterprises at the university, has implemented a number of initiatives that have made that operation one of the nation’s leaders, a program that schools across the country are trying to emulate.

Steps have ranged from spending tens of millions of dollars to modernize and upgrade the dining commons, to the introduction of sushi as a staple on the menu (the school now serves roughly 3,000 pieces a day); from the implementation of food trucks that roam the sprawling campus and bring a new layer of convenience to students, to use of so-called ‘trash fish’ to both broaden students’ palettes and provide new opportunities to the region’s beleaguered fishing industry.

But arguably his most impactful initiative has been a campaign to buy local, a program not only supported by students, but, in many ways, demanded by them.

“As we survey our students, more than 80% of them think buying local is important to them, and they want to see more of it,” said Garett DiStefano, director of Residential Dining at the Amherst campus. “And that number’s been going up steadily over the past five years as well.”

This is a far-reaching plan, one with several goals, including healthier eating, support of the local economy, and conversion of the Hampshire Dining Commons, the largest on the Amherst campus, into an eatery “dedicated to healthy, local, sustainable, and great-tasting foods and to providing a defensible and cost-effective example for all campuses to emulate.”

That’s wording from one of the slides in a PowerPoint presentation called “Diving into the Numbers: A Local Food Data Analysis,” which, as that title suggests, uses hard nunbers, and lots of them, to explain the UMass Amherst program.

Mike Cecchi

Mike Cecchi says the buy-local movement has created new opportunities for E. Cecchi Farms, started by his grandfather in 1946.

The buy-local initiative is measured in a number of ways, but especially the figure $3.25 million, which represents the number spent in FY 2015 (which ends in a few weeks) on what would be considered local or sustainable produce. That includes roughly 100 vendors, said Toong, and encompasses everything from pizza dough from Angie’s Tortellini in Westfield to honey supplied by the Hadley Sugar Shack, to milk purchased from Mapleline Farm in Hadley. And it includes several kinds of fruits and vegetables grown by Joe Czajkowski on land in Hadley that his family has tilled since 1916.

The university spent nearly $500,000 with Czajkowski, who farms a total of 400 acres, 162 of them certified organic, during FY ’15, on everything from tomatoes and carrots to french fries and blueberries. The contract is one of the the more visible examples of that attitude shift described by Shoenfeld, and one that has helped open many new doors for the operation.

“Ken Toong had a lot of interest in buying local, and we were already there,” said Czakjkowski, who said he was supplying a small amount of produce to the university’s Top of the Campus restaurant (part of University Enterprises) when the university decided to escalate its local buying in a significant way.

“It’s like having an anchor store in a mall — this helps us do a better job with other customers,” Czajkowski said of the UMass contract, adding that it has, in many ways, inspired and facilitated contracts with the Worcester and Chicopee school systems, other members of the Five College system, Baystate Health, Cooley Dickinson Hospital, and other institutions. “We’re out getting things for one school; now it’s possible to get things for the Chicopee schools and the Worcester schools and pull the orders together because we’re already doing it.”

In many ways, Czajkowki’s story is typical of many of the established farmers in the region, who have found new outlets for their crops in restaurants, schools, supermarket chains, and businesses that now buy local for many reasons, including the fact that their customers are expecting and even demanding it.

Mike Cecchi would fall in that latter category. His grandfather started working some land in Feeding Hills not long after emigrating from Italy in 1946, and the tradition has continued since.

The 90-acre operation is known for its corn, but grows everything from asparagus to zucchini, with most of the letters of the alphabet covered by Cecchi crops.

Like other farmers we spoke with, he has customers that come in many forms — from individuals visiting the huge farmstand on Springfield Street to the Geisler’s supermarket chain and Big Y Foods, to restaurants ranging from Lattitude to ABC Pizza — and he’s seeing more interest in all those products.

“The buy-local, buy-healthier trend is having an effect on both the retail and wholesale sides,” he explained. “There’s just a lot more demand for what we grow.”

Beet Reporters

But maybe the more compelling change to the region’s agricultural landscape is the number of newcomers to the industry — people choosing to enter the field not because their father, grandfather, and great-grandfather did, but because it’s a profession they believe has many different kinds of rewards.

Porth is one of these individuals. He started a dozen years ago, taking a passion for agriculture that he developed while working on a farm in college and turning it into a career.

Joe Czajkowski

Joe Czajkowski says his contract with UMass has facilitated other sourcing of his many crops.

“I wanted to start my own operation, but I didn’t have land or equipment or money,” he explained. “I had an opportunity to go back to school at UMass and got a master’s degree in plant and soil science. I had an opportunity to stay at UMass and teach, but had the bug to get going.”

And he did, starting with three acres — “it was like a big market garden” — and accumulating additional pieces of land over time. He now farms 85 acres in two locations in Deerfield, half of which he owns, and the rest he leases.

Lettuce and leafy greens are the specialty at Atlas — yes, kale is a big part of that mix — but there is a wide variety of crops. And they’re sold in many different ways, from company-operated farmstands to farmers markets; from a form of CSAs to wholesaling efforts involving outlets ranging from the Whole Foods chain to the River Valley Co-op in Northampton.

Porth entered the business as the buy-local movement was gaining steam, and he’s watched it create a number of new opportunities.

“The whole buy-local trend has really benefited the farm,” he explained. “The farm started in 2004, just as this was gaining traction, and it’s just grown from there. Each year that goes by, we’re seeing more and more from the restaurant world, but grocery stores are really getting on board as well; their customers want local, and at the farm store and farmers markets, business keeps increasing with people demanding foods that are healthy and local.”

Voiland, who would also be considered part of this new breed, agreed.

He started virtually from scratch, with a tiny roadside stand he opened when he was in middle school, selling items from the family garden and various wild berries he picked. By the time he was in college, he was renting 10 acres from an “old timer.” Soon after graduating, he acquired land in Granby and, well, put down roots.

The operation, which employs 80 to 100 people during peak seasons, now boasts roughly 30 acres in Granby and 70 in Montague, and recently expanded into Belchertown with a variety of fruit trees.

“If you can grow it in this climate, we probably grow it,” said Voiland, adding that Red Fire produces everything from arugula and baby kale to a host of root vegetables, including potatoes, carrots, and radishes. It is perhaps best known for its tomatoes, and stages a one-day festival at the Granby facility on the fourth Saturday in August focused on that versatile vegetable and featuring more than 150 varieties.

As he talked with BusinessWest at a weekly farmers market in Springfield’s Forest Park at which Red Fire is now a regular, Voiland, like Porth and others, made heavy use of the word ‘diversified,’ and used it to describe not only what he grows, but how he sells those crops.

Indeed, in addition to several farmers markets — in this region but also in Greater Boston — he also sells CSAs, through which households pay a set amount ($550 to $600 annually in this case, depending on which option the customer chooses) for weekly distributions of all those aforementioned vegetables and fruits, starting later this month. There are also pick-your-own fields, farm stands in both Granby and Montague that operate from May 1 to at least Halloween, and wholesale business to restaurants such as Alvah Stone in Montague and others in Boston; co-ops, including the Greenfields Market & Co-op in Greenfield; and supermarkets such as Fresh Acres, operated by the Big Y chain, and now Wegmans.

While the CSA movement has essentially peaked and business is flat in that realm due to oversaturation, Voiland said, the needle continues to move up with those other revenue streams.

“With restaurants, and consumers in general, there is more awareness of food and wanting to eat good food, both in terms of one’s health, but also the flavor,” he told BusinessWest. “The stuff we grow can help in both ways. We’re focused on freshness, and we grow varieties that taste good; we’re not so concerned about varieties that ship well and keep forever in the truck like some of the stuff that shows up in supermarkets.”

Yield Signs

While the outlook for the region’s agricultural sector certainly looks promising, this remains an ultra-challenging profession, said Shoenfeld, Gerber, Korman, and the farmers we spoke with.

The competition is truly global, margins are generally quite thin, and there are many factors simply beyond the farmer’s control — especially the weather.

“Farming is not for the faint of heart — whether you’re a new farmer or you’ve done it for multiple generations in your family,” said Shoenfeld. “It’s hard work, and there’s a lot of problem solving to be done. But it’s interesting to think about all the new energy being brought by those new farmers, most of them young, but not all them — we’ve seen a number of career changers moving into farming.

“And it’s interesting to wonder how this energy from the new farmers, and the smarts that they might be bringing from other sectors of the economy, might affect some of these seemingly very difficult issues facing farmers,” he went on.

Overall, to succeed in this environment, farmers have to be well-trained and highly skilled, said Korman, adding that many in this profession are now receiving the respect they deserve.

“This is a highly skilled position, and people are now realizing that,” he explained. “The person has to be able to understand quite well the strength of the soil and what needs to be added to it; they have to be a really good business person, understanding which parts of their business are profitable and not as profitable; they need to be able to communicate what they grow and what they’re selling to hundreds of thousands of people; they need to compete globally; and they need to deal with totally unpredictable work conditions, which most of us don’t have to do.”

CISA provides help to farmers coping with these challenges in the form of technical assistance that covers basically everything but growing practices, he said, such as education in how to write a press release or to how to construct a business plan.

And much of CISA’s work involves opening up new markets and avenues for sales, said Korman, citing, as just one example, winter farmers markets.

“Five years ago, there were none of them in Massachusetts,” he said. “The first one was a one-day market in Greenfield launched by the community, and we did one in Northampton in 2010 that had 2,000 people come in four hours.

“Now, there is an ongoing winter farmers market in seven different towns in Western Massachusetts,” he went on, adding that participating farmers sell everything from root vegetables to cheese; from maple syrup to preserved foods like jams and jellies.

Another example of new markets is a trend toward selling at various workplaces, he went on, adding that MassMutual now has what amounts to its own farmers market, and Baystate Health hosts CSA distributions at several of its facilities.

Manwhile, CISA stages what Korman called “meet-and-greets” between farmers and a range of potential customers that could use their goods, including restaurant owners, co-op managers, nursing-home operators, college food-service administrators, and hotel managers.

“We’re always trying to expand economic opportunities for farmers, and also make more connections in the community,” he explained. “And when one takes a look at national statistics, they’ll see that Massachusetts ranks third in the nation in terms of direct market sales for operations, and we’re first in the nation in the percentage of farms with CSAs.”

Those statistics and others result from farmers responding to their challenges and opportunities with diligence and creativity, said Shoenfeld, adding that they are finding new and intriguing ways to essentially bring the farm to consumers — including those who live 100 miles away in Boston — and make healthier foods available and affordable to those in all income classes.

“We’re seeing attention paid to how good, fresh, locally grown food can get into the hands of those who traditionally seemed like they couldn’t afford it,” he explained. “One refrain heard over the past 10 years is that this is just for people who have spare dollars to spend on food. Increasingly, we’re understanding that fresh, local food is one of the keys to improving some of our health issues, like obesity, and we’re finding that fresh, local food in elementary schools and junior high schools, with the farmer coming in to talk about it once or twice a year, is something that prompts kids to take home information about healthy eating and exercise. And that’s a pretty powerful idea.”

Looking ahead, Gerber said there is promise of continued growth for this sector. Indeed, while Western Mass. is among the nation’s leaders in the percentage of food bought locally — the number is at or just over 15% at present — that still leaves 85% that is not purchased from area producers.

That number can’t reach 100% in this climate for obvious reasons, he told BusinessWest, but it can go considerably higher, and he expects that it will.

“Food Solutions has a target of 50% local food by 2060 — ‘50 by 60’ is their campaign, and that’s driven by climate change, energy costs, and especially health concerns,” he said.

“If I was going to predict the future, I would project continued growth. Not without difficulty, not without pain, and not without disruption, but certainly continued growth.”

Till Tomorrow

Returning once again to the dining commons at UMass Amherst to get his points across, Shoenfeld said students there will not be abandoning their philosophies about eating healthier and buying local when they get their diplomas.

“As they emerge from a place like UMass, where they’re eating this fabulous local food in their dining commons and start cooking for themselves … they’re already interested in and wanting local, healthy food that supports local farmers,” he told BusinessWest. “And I think that’s going to stick with them.”

If he’s right, then the attitudinal shift that he and others described will become even more pronounced, and that will generate even more opportunities for area farmers, who are already sowing seeds for a brighter future, in every sense of that phrase.


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

Departments Real Estate

The following real estate transactions (latest available) were compiled by Banker & Tradesman and are published as they were received. Only transactions exceeding $115,000 are listed. Buyer and seller fields contain only the first name listed on the deed.

FRANKLIN COUNTY

BUCKLAND

46 Avery Road
Buckland, MA 01338
Amount: $190,000
Buyer: PDV Inc.
Seller: Susan A. Chadwick
Date: 04/30/15

CONWAY

590 East Guinea Road
Conway, MA 01341
Amount: $275,434
Buyer: FNMA
Seller: Donald M. Lampron
Date: 04/30/15

Fields Hill Road
Conway, MA 01341
Amount: $117,000
Buyer: Lawrence K. Guild
Seller: Mary B. Parker
Date: 04/28/15

DEERFIELD

14 Captain Lathrop Dr.
Deerfield, MA 01373
Amount: $230,000
Buyer: John W. Oberling
Seller: Sandra A. Patterson
Date: 04/22/15

498 River Road
Deerfield, MA 01342
Amount: $375,000
Buyer: Carol A. Connare
Seller: Edward W. Wise
Date: 04/29/15

GREENFIELD

70 Allen St.
Greenfield, MA 01301
Amount: $1,000,000
Buyer: Chapman Silver Allen LLC
Seller: June Foster TR
Date: 04/28/15

51 Church St.
Greenfield, MA 01301
Amount: $290,000
Buyer: Ananda Real Estate LLC
Seller: James S. Roman TR
Date: 04/24/15

726 Colrain Road
Greenfield, MA 01301
Amount: $226,000
Buyer: Cara Morano
Seller: Aaron D. Miller
Date: 04/22/15

Columbus Ave.
Greenfield, MA 01301
Amount: $1,000,000
Buyer: Chapman Silver Allen LLC
Seller: June Foster TR
Date: 04/28/15

307 Conway St.
Greenfield, MA 01301
Amount: $118,915
Buyer: FNMA
Seller: Dale J. Bourbeau
Date: 04/27/15

36 East Cleveland St.
Greenfield, MA 01301
Amount: $230,000
Buyer: Valeriu Gheorghita
Seller: Ivan Darmanchev
Date: 04/30/15

214 Elm St.
Greenfield, MA 01301
Amount: $175,000
Buyer: Nickolas A. Howe
Seller: Carl W. Kingsley
Date: 04/30/15

38-40 Grove St.
Greenfield, MA 01301
Amount: $218,500
Buyer: Michel E. Dubois
Seller: Christie Cullen
Date: 04/30/15

HAWLEY

116 East Hawley Road
Hawley, MA 01339
Amount: $167,500
Buyer: Yvette L. Segal
Seller: Paul S. Carpenter
Date: 04/28/15

LEYDEN

12 Zimmerman Hill Road
Leyden, MA 01337
Amount: $250,000
Buyer: Eileene P. Farrell
Seller: Paul C. Zimmerman
Date: 04/22/15

MONTAGUE

10 4th St.
Montague, MA 01376
Amount: $165,000
Buyer: Jimena D. Pareja
Seller: Theresa E. Ferland
Date: 04/28/15

1 Randall Wood Dr.
Montague, MA 01351
Amount: $175,000
Buyer: FNMA
Seller: Celia A. Allen
Date: 04/22/15

97 Turners Falls Road
Montague, MA 01301
Amount: $196,500
Buyer: Sergey V. Lange
Seller: Evelyn J. Walsh
Date: 04/30/15

NORTHFIELD

95 Hinsdale Road
Northfield, MA 01360
Amount: $125,900
Buyer: Alberta Z. Chartier
Seller: USA VA
Date: 05/01/15

ORANGE

80 King St.
Orange, MA 01364
Amount: $148,000
Buyer: Andrea S. Williams
Seller: Francis D. Shanahan Jr. NT
Date: 04/29/15

239 South Main St.
Orange, MA 01364
Amount: $165,000
Buyer: Sean D. Nolan
Seller: William C. Woodcock
Date: 04/30/15

233 Walnut Hill Road
Orange, MA 01364
Amount: $131,489
Buyer: Citimortgage Inc.
Seller: Robert M. Ellison
Date: 05/01/15

SHELBURNE

66 Colrain Shelburne Road
Shelburne, MA 01370
Amount: $343,750
Buyer: Sarah Martin
Seller: Elaine Hinze
Date: 04/24/15

510 Little Mohawk Road
Shelburne, MA 01370
Amount: $150,000
Buyer: Julie Dubreuil
Seller: Carolyn G. Wheeler
Date: 04/27/15

97 Lucy Fiske Road
Shelburne, MA 01370
Amount: $175,000
Buyer: Lindsey M. Adamski
Seller: Renae S. Parker
Date: 05/01/15

SHUTESBURY

140 Leonard Road
Shutesbury, MA 01072
Amount: $175,000
Buyer: Marina R. Gurman-Wangh
Seller: Robert R. Laclair
Date: 04/29/15

WARWICK

42 Dusty Lane
Warwick, MA 01364
Amount: $205,000
Buyer: Keith D. Poulin
Seller: Stephen A. Brosca
Date: 04/30/15

WHATELY

State Road
Whately, MA 01093
Amount: $400,000
Buyer: Smiarowski Brothers LLC
Seller: Marjorie Borowski
Date: 04/29/15

HAMPDEN COUNTY

AGAWAM

187 Clover Hill Dr.
Agawam, MA 01030
Amount: $301,000
Buyer: Matthew J. Quinby
Seller: Brendan D. Reilly
Date: 04/23/15

49 Edward St.
Agawam, MA 01001
Amount: $187,000
Buyer: Edward N. Cahill
Seller: Erin C. Cormier
Date: 04/28/15

75 Lealand Ave.
Agawam, MA 01001
Amount: $129,900
Seller: Robert T. Harkins
Date: 05/01/15

103 Parkedge Dr.
Agawam, MA 01030
Amount: $268,500
Buyer: Matthew J. Couture
Seller: Arthur E. Wheeler
Date: 04/30/15

23 Robin Lane
Agawam, MA 01030
Amount: $149,500
Buyer: Allison Sitler
Seller: Kikowski, John T. Sr., (Estate)
Date: 04/30/15

129 South St.
Agawam, MA 01001
Amount: $182,668
Buyer: FNMA
Seller: John T. Hilt
Date: 04/22/15

300 South St.
Agawam, MA 01001
Amount: $150,000
Buyer: Antonio M. Castro
Seller: Philippe O. Raiche
Date: 04/30/15

205 Southwick St.
Agawam, MA 01030
Amount: $150,000
Buyer: Timothy S. Maxton
Seller: Robert L. Maxton
Date: 04/24/15

30 Stanley Place
Agawam, MA 01001
Amount: $223,000
Buyer: Arnold M. Bernstein
Seller: Nathan Kibbe
Date: 04/24/15

16 Sycamore Terrace
Agawam, MA 01001
Amount: $250,000
Buyer: Valeriy Kuznetsov
Seller: Svetlana Mokan
Date: 04/30/15

65 Valley Brook Road
Agawam, MA 01030
Amount: $235,000
Buyer: Matthew C. Chapman
Seller: Matthew J. Quinby
Date: 04/24/15

105 Witheridge St.
Agawam, MA 01030
Amount: $165,000
Buyer: Robert J. Carey
Seller: James M. Mullen
Date: 04/28/15

BRIMFIELD

48 Tower Hill Road
Brimfield, MA 01010
Amount: $400,000
Buyer: Edouard Devarennes
Seller: John L. Fearing
Date: 04/21/15

CHICOPEE

116 9th Ave.
Chicopee, MA 01020
Amount: $214,900
Buyer: Rosalina M. Acevedo
Seller: Thomas G. Cantin
Date: 04/30/15

150 Beauchamp Terrace
Chicopee, MA 01020
Amount: $123,600
Buyer: Kenneth R. Vitali
Seller: Dorene Lepage
Date: 04/30/15

22 Beauregard Court
Chicopee, MA 01020
Amount: $143,000
Buyer: Charity Michon
Seller: Arleen L. Sassi
Date: 04/24/15

309 Casey Dr.
Chicopee, MA 01020
Amount: $140,000
Buyer: Edwin Ocasio
Seller: FNMA
Date: 04/23/15

Center St.
Chicopee, MA 01020
Amount: $650,000
Buyer: Pride Limited Partnership
Seller: Biskit Chicopee LLC
Date: 04/21/15

444 Chicopee St.
Chicopee, MA 01013
Amount: $135,000
Buyer: Manuela G. Leblanc
Seller: Jacob Kifa

80 Dunn St.
Chicopee, MA 01020
Amount: $192,500
Buyer: Michael P. Mailhott
Seller: David Bernard
Date: 04/29/15

128 Gill St.
Chicopee, MA 01013
Amount: $120,000
Buyer: Rey Camacho
Seller: Donald J. Moneau
Date: 04/22/15

520 Granby Road
Chicopee, MA 01013
Amount: $225,000
Buyer: Carrie L. Seymour
Seller: Maria Tylek
Date: 04/23/15

19 Hudson Ave.
Chicopee, MA 01020
Amount: $212,000
Buyer: Anthony J. Sarnelli
Seller: Mark E. Vincelette
Date: 04/23/15

44 Larchmont St.
Chicopee, MA 01013
Amount: $121,500
Buyer: US Bank
Seller: Austin R. Gordon
Date: 04/28/15

Manning St.
Chicopee, MA 01020
Amount: $152,000
Buyer: Robert E. Hohenberger
Seller: Corinne Renauld
Date: 04/30/15

29 Mount Royal St.
Chicopee, MA 01020
Amount: $140,000
Buyer: Wells Fargo Bank
Seller: Steven E. Humel
Date: 04/28/15

21 Oakridge St.
Chicopee, MA 01020
Amount: $171,100
Buyer: Enrique Melendez
Seller: Melissa M. Lavallee
Date: 04/30/15

49 Riverpark Ave.
Chicopee, MA 01013
Amount: $194,900
Buyer: Jessica S. Riendeau
Seller: Leo P. Arel
Date: 04/30/15

89 Royal St.
Chicopee, MA 01020
Amount: $210,000
Buyer: Nicole M. Beaulieu
Seller: Robert J. Kosiorek
Date: 04/28/15

41 Saint Onge St.
Chicopee, MA 01020
Amount: $240,000
Buyer: Nichole D. Ayala
Seller: Oak Ridge Custom Home Builders
Date: 04/30/15

75 Sampson St.
Chicopee, MA 01020
Amount: $153,000
Buyer: Glenn R. Depot
Seller: Michael L. Klofas
Date: 04/22/15

EAST LONGMEADOW

17 Hillside Dr.
East Longmeadow, MA 01028
Amount: $194,500
Buyer: Annker Jr. LLC
Seller: Robert C. Andwood
Date: 04/21/15

21 Holland Dr.
East Longmeadow, MA 01028
Amount: $165,465
Buyer: Jason L. Rowe
Seller: Thomas F. Kennedy
Date: 04/24/15

312 Somers Road
East Longmeadow, MA 01028
Amount: $216,000
Buyer: Carole L. Podesta
Seller: Joseph Nadeau
Date: 04/23/15

16 State St.
Chicopee, MA 01013
Amount: $235,000
Buyer: Peter M. Hall
Seller: Marie M. Trudel
Date: 05/01/15

165 Stebbins St.
Chicopee, MA 01020
Amount: $115,000
Buyer: Matthew J. Turgeon
Seller: Donald J. Turgeon
Date: 04/27/15

4 Sturbridge Lane
East Longmeadow, MA 01028
Amount: $418,000
Buyer: James G. Kantany
Seller: 4 Sturbridge Lane LLC
Date: 04/24/15

8 Urban Lane
Chicopee, MA 01020
Amount: $195,000
Buyer: Richard J. Tyrrell
Seller: Zeker RT
Date: 04/30/15

59 West St.
Chicopee, MA 01013
Amount: $208,500
Buyer: Anthony Alvaro
Seller: Pease LLC
Date: 04/30/15

50 William St.
Chicopee, MA 01020
Amount: $185,000
Buyer: Angel L. Chiclana
Seller: Raymond J. Murray
Date: 04/30/15

EAST LONGMEADOW

149 Elm St.
East Longmeadow, MA 01028
Amount: $189,000
Buyer: Christina E. Rolfe
Seller: Michelle A. Murray
Date: 04/27/15

15 Hunting Road
East Longmeadow, MA 01028
Amount: $278,000
Buyer: Trang T. Dam
Seller: Ruth B. Weaver
Date: 04/29/15

46 Lori Lane
East Longmeadow, MA 01028
Amount: $410,000
Buyer: Leah M. Kenney
Seller: John Hasley
Date: 05/01/15

95 Maple St.
East Longmeadow, MA 01028
Amount: $227,000
Buyer: Kyle A. Murray
Seller: David F. Bressem
Date: 04/27/15

237 Millbrook Dr.
East Longmeadow, MA 01028
Amount: $355,000
Buyer: Gerard P. Roeder
Seller: Allan J. Ouellet
Date: 04/29/15

250 North Main St.
East Longmeadow, MA 01028
Amount: $450,000
Buyer: KJTS LLC
Seller: Carol Dougan
Date: 04/29/15

61 Nelson St.
East Longmeadow, MA 01028
Amount: $174,500
Buyer: Jill A. Labonte
Seller: Richard A. Macgovern
Date: 04/28/15

108 Rogers Road
East Longmeadow, MA 01028
Amount: $157,000
Buyer: Matthew R. Pollock
Seller: Maryann Mcgrath
Date: 04/28/15

GRANVILLE

523 Beech Hill Road
Granville, MA 01034
Amount: $266,000
Buyer: Steve G. Bedford
Seller: Phillip J. Girard
Date: 04/28/15

831 Main Road
Granville, MA 01034
Buyer: Jessica Macknight
Seller: Billie Charles
Date: 04/24/15

8 South Lane
Granville, MA 01034
Amount: $255,000
Buyer: Matthew J. Mountain
Seller: Jessica Macknight
Date: 04/30/15

HAMPDEN

Chapin Road
Hampden, MA 01036
Amount: $280,000
Buyer: Jack Straw RT
Seller: Robert D. Ober
Date: 04/21/15

15 Woodland Dr.
Hampden, MA 01036
Amount: $200,000
Buyer: Craig A. Rivest
Seller: Brian Normoyle
Date: 04/27/15

HOLYOKE

181 Appleton St.
Holyoke, MA 01040
Amount: $325,000
Buyer: Nestingly 181 LLC
Seller: Maraline Development Corp.
Date: 04/22/15

83-85 Center St.
Holyoke, MA 01040
Amount: $130,000
Buyer: Jose D. Salazar
Seller: Maria E. Montano
Date: 04/30/15

63 Cherry Hill
Holyoke, MA 01040
Amount: $305,000
Buyer: Brittnie L. Aiello
Seller: Leah M. Kenney
Date: 05/01/15

24 Cranberry Dr.
Holyoke, MA 01040
Amount: $194,000
Buyer: Melissa Paniagua
Seller: Barbara A. Gregg
Date: 04/30/15

1454-1456 Dwight St.
Holyoke, MA 01040
Amount: $142,000
Buyer: Herminio Torres
Seller: Robert C. Fine
Date: 04/30/15

842 Dwight St.
Holyoke, MA 01040
Amount: $119,000
Buyer: Jorge R. Diaz
Seller: Rose Property Management
Date: 04/27/15

228 Easthampton Road
Holyoke, MA 01040
Amount: $201,000
Buyer: Mark G. Anderson
Seller: Vandelyn Wright
Date: 05/01/15

66 Elmwood Ave.
Holyoke, MA 01040
Amount: $167,400
Buyer: Kristen L. Troccolo
Seller: Patrick S. Taylor
Date: 04/30/15

24 Gary Dr.
Holyoke, MA 01040
Amount: $173,840
Buyer: Nationstar Mortgage LLC
Seller: Mark A. O’Donnell
Date: 04/23/15

31 Gates St.
Holyoke, MA 01040
Amount: $139,615
Buyer: Allison J. Reid
Seller: Joseph B. Lewis
Date: 04/22/15

354 Hampden St.
Holyoke, MA 01040
Amount: $335,000
Buyer: Caadstone 2 LLC
Seller: Victor O. Licorish
Date: 04/30/15

53 Howard St.
Holyoke, MA 01040
Amount: $150,000
Buyer: Karen E. Kent
Seller: Brian J. Roule
Date: 04/23/15

Main St.
Holyoke, MA 01040
Amount: $325,000
Buyer: Nestingly 181 LLC
Seller: Maraline Development Corp.
Date: 04/22/15

47 Mount Tom Ave.
Holyoke, MA 01040
Amount: $200,000
Buyer: Ruth N. Vega
Seller: Bigelow, John, (Estate)
Date: 04/21/15

216 Ontario Ave.
Holyoke, MA 01040
Amount: $180,600
Buyer: Christine Munro
Seller: Nationstar Mortgage LLC
Date: 04/28/15

158-160 Race St.
Holyoke, MA 01040
Amount: $325,000
Buyer: Nestingly 181 LLC
Seller: Maraline Development Corp.
Date: 04/22/15

164 Race St.
Holyoke, MA 01040
Amount: $325,000
Buyer: Nestingly 181 LLC
Seller: Maraline Development Corp.
Date: 04/22/15

15 School St.
Holyoke, MA 01040
Amount: $117,500
Buyer: Roberto Camacho
Seller: Pentre Farm Properties
Date: 05/01/15

118 Sheehan Dr.
Holyoke, MA 01040
Amount: $172,000
Buyer: Michael J. Dubois
Seller: Urdzela, Frederick, (Estate)
Date: 04/24/15

139 South Martin St.
Holyoke, MA 01040
Amount: $154,650
Buyer: Indira M. Lalchandani
Seller: Paul Blazejowski
Date: 04/21/15

LONGMEADOW

220 Ardsley Road
Longmeadow, MA 01106
Amount: $450,000
Buyer: Terry C. Anthony FT
Seller: Robert A. Fagin
Date: 04/21/15

86 Cambridge Circle
Longmeadow, MA 01106
Amount: $325,000
Buyer: Anthony J. Santos
Seller: James F. Moran
Date: 05/01/15

109 Cooley Dr.
Longmeadow, MA 01106
Amount: $263,500
Buyer: Heather Tirpaeck
Seller: Patti J. Goldstein
Date: 04/30/15

30 Crestview Circle
Longmeadow, MA 01106
Amount: $333,000
Buyer: Joseph M. O’Brien
Seller: Ira R. Thomas
Date: 05/01/15

7 Duxbury Lane
Longmeadow, MA 01106
Amount: $329,000
Buyer: Adam D. Dalessio
Seller: Brian J. Long
Date: 04/30/15

20 Edward Circle
Longmeadow, MA 01106
Amount: $285,000
Buyer: Kirsten Schoenberger
Seller: Andrea L. Brinnel
Date: 04/30/15

134 Field Road
Longmeadow, MA 01106
Amount: $257,700
Buyer: David C. Sinaguglia
Seller: K. Marceau
Date: 04/30/15

791 Frank Smith Road
Longmeadow, MA 01106
Amount: $370,000
Buyer: Michael E. Youngblood
Seller: Elaine L. Peters
Date: 05/01/15

85 Greenacre Ave.
Longmeadow, MA 01106
Amount: $312,500
Buyer: Raymond Beattie
Seller: David A. Mundrick
Date: 04/30/15

916 Williams St.
Longmeadow, MA 01106
Amount: $1,100,000
Buyer: Colvest & Longmeadow LLC
Seller: First Church of Christ
Date: 04/23/15

122 Wolf Swamp Road
Longmeadow, MA 01106
Amount: $243,000
Buyer: Ruth B. Weaver
Seller: Therese M. Dupre
Date: 04/29/15

322 Wolf Swamp Road
Longmeadow, MA 01106
Amount: $260,000
Buyer: Anzhela Savonina
Seller: Christine J. Santos
Date: 04/24/15

90 Woolworth St.
Longmeadow, MA 01106
Amount: $237,500
Buyer: Chin C. Yi
Seller: Smith, Florence M., (Estate)
Date: 04/24/15

LUDLOW

92 Fox Run Dr.
Ludlow, MA 01056
Amount: $378,000
Buyer: Michele L. Lane
Seller: Richard P. Roy
Date: 04/30/15

7 Laroche St.
Ludlow, MA 01056
Amount: $185,000
Buyer: Jesse Os
Seller: Stephen H. Rodolakis
Date: 04/28/15

16 Posner Circle
Ludlow, MA 01056
Amount: $167,000
Buyer: Rachel M. Carvalho
Seller: Cindy Nguyen
Date: 05/01/15

MONSON

15 Bridge St.
Monson, MA 01057
Amount: $160,000
Buyer: Gaston M. Mengel
Seller: Marth E. LLC
Date: 04/27/15

158 Bumstead Road
Monson, MA 01057
Amount: $143,373
Buyer: FNMA
Seller: Glenn M. Pittsinger
Date: 04/21/15

56 Munn Road
Monson, MA 01057
Amount: $228,000
Buyer: Craig B. Baskin
Seller: Linda Pianka
Date: 04/30/15

MONTGOMERY

91 New State Road
Montgomery, MA 01085
Amount: $355,200
Buyer: James W. Hayes
Seller: Mary-Lynn K. Green
Date: 04/30/15

PALMER

10 Carol St.
Palmer, MA 01069
Amount: $139,000
Buyer: Michael R. Turgeon
Seller: Waite, Dorothy E., (Estate)
Date: 04/30/15

99-105 Lawrence St.
Palmer, MA 01069
Amount: $1,275,000
Buyer: Tyrone Co LLC
Seller: 99-105 Lawrence St LLC
Date: 04/30/15

53 Mount Dumplin Road
Palmer, MA 01069
Amount: $150,000
Buyer: Zachary S. Lane
Seller: Hugh K. Martin
Date: 04/21/15

3053 Palmer St.
Palmer, MA 01069
Amount: $225,000
Buyer: Jeremy J. Wizeman
Seller: Mark Jackson
Date: 05/01/15

365 River St.
Palmer, MA 01069
Amount: $156,000
Buyer: Christine E. Kent
Seller: John D. Voight
Date: 04/30/15

RUSSELL

1500 General Knox Road
Russell, MA 01071
Amount: $370,000
Buyer: Brian Shea
Seller: CSB Service Corp.
Date: 05/01/15

SOUTHWICK

8 Eden Hill
Southwick, MA 01077
Amount: $425,000
Buyer: Gregory R. Lalak
Seller: James A. Roncone
Date: 04/30/15

17 Granaudo Circle
Southwick, MA 01077
Amount: $251,500
Buyer: Anna Shtefan
Seller: Ceal S. Lemanski
Date: 04/29/15

98 Mort Vining Road
Southwick, MA 01077
Amount: $245,000
Buyer: John H. Viel
Seller: Davey Reyes
Date: 04/23/15

20 Ranch Club Road
Southwick, MA 01077
Amount: $485,000
Buyer: Brendan D. Reilly
Seller: Rockwood Builders Inc.
Date: 04/23/15

21 Shaggbark Dr.
Southwick, MA 01077
Amount: $212,000
Buyer: Kimberly L. Porter
Seller: Lbdnbd LLC
Date: 04/28/15

18 Woodland Ridge
Southwick, MA 01077
Amount: $335,000
Buyer: Dennis J. Billings
Seller: Steven M. Kunsman
Date: 04/30/15

SPRINGFIELD

15 Angelica Dr.
Springfield, MA 01129
Amount: $279,900
Buyer: Kevin George
Seller: Shanna M. Rhoades
Date: 04/22/15

43 Barrison St.
Springfield, MA 01109
Amount: $130,000
Buyer: Brendon Struck
Seller: Christina E. Rolfe
Date: 04/27/15

147 Belvidere St.
Springfield, MA 01108
Amount: $128,000
Buyer: Rachael B. Lawrence
Seller: Huynh T. Do
Date: 04/30/15

234 Birchland Ave.
Springfield, MA 01119
Amount: $225,000
Buyer: Isaac Arhin
Seller: Dion Creative Construction Inc.
Date: 04/24/15

17 Blueberry Hill St.
Springfield, MA 01128
Amount: $154,000
Buyer: Adriel J. Alicea
Seller: Joseph R. Girard
Date: 04/30/15

153 Bowles St.
Springfield, MA 01109
Amount: $131,250
Buyer: Catfish Properties LLC
Seller: Macfish Properties LLC
Date: 04/30/15

78 California Ave.
Springfield, MA 01118
Amount: $158,000
Buyer: Jennifer L. McCarthy
Seller: Brett Duchon
Date: 04/30/15

1484-1490 Carew St.
Springfield, MA 01104
Amount: $136,500
Buyer: 855 Liberty LLC
Seller: City Of Springfield
Date: 04/28/15

109 Caseland St.
Springfield, MA 01107
Amount: $160,000
Buyer: Christopher J. McCauley
Seller: Kathleen S. Sarno
Date: 05/01/15

324 Central St.
Springfield, MA 01105
Amount: $154,000
Buyer: Hipolito Mendez
Seller: Viva Development LLC
Date: 04/24/15

253-255 Centre St.
Springfield, MA 01151
Amount: $210,000
Seller: 253 Center Street Propertiess
Date: 04/29/15

95 Cliftwood St.
Springfield, MA 01108
Amount: $202,125
Buyer: Frank Raschilla
Seller: Elsie Lindor
Date: 04/22/15

24 Curtis St.
Springfield, MA 01119
Amount: $205,000
Buyer: Cheickh A. Tidjani
Seller: Eric O. Berrios
Date: 04/30/15

39-41 Daniel St.
Springfield, MA 01151
Amount: $139,900
Buyer: Greco Property Management
Seller: C. Squared Realty LLC
Date: 05/01/15

167 Ellsworth Ave.
Springfield, MA 01118
Amount: $229,750
Buyer: Brenda G. Tirado
Seller: Nu Way Homes Inc.
Date: 04/24/15

80 Euclid Ave.
Springfield, MA 01108
Amount: $131,250
Buyer: Catfish Properties LLC
Seller: Macfish Properties LLC
Date: 04/30/15

14 Fenwick St.
Springfield, MA 01109
Amount: $125,000
Buyer: Lemeca S. Archie
Seller: Carmax Auto Superstores
Date: 04/27/15

140 Garland St.
Springfield, MA 01118
Amount: $199,900
Buyer: Jeffrey Moore
Seller: Donna L. Hobart
Date: 04/30/15

38 Gillette Ave.
Springfield, MA 01118
Amount: $167,500
Buyer: Alicia L. Raymond
Seller: Michael D. McKay
Date: 04/27/15

45 Glenoak Dr.
Springfield, MA 01129
Amount: $170,000
Buyer: Matthew W. Owczarski
Seller: Tatiana A. Torres
Date: 04/21/15

440 Grayson Dr.
Springfield, MA 01119
Amount: $123,900
Buyer: Helena E. Gagnon
Seller: Ibitsam Qasem
Date: 05/01/15

100 Harvey St.
Springfield, MA 01119
Amount: $158,900
Buyer: Ryan A. Reeves
Seller: Carina Leblanc-Reno
Date: 04/30/15

30 Hebron St.
Springfield, MA 01107
Amount: $131,250
Buyer: Catfish Properties LLC
Seller: Macfish Properties LLC
Date: 04/30/15

23 Jordan St.
Springfield, MA 01129
Amount: $149,000
Buyer: Kerrian A. James
Seller: FNMA
Date: 04/30/15

193-195 Kent Road
Springfield, MA 01129
Amount: $170,000
Buyer: Wesley R. Crouch
Seller: Peter J. Kelly
Date: 04/30/15

29 Leete St.
Springfield, MA 01108
Amount: $190,000
Buyer: Samara A. Rosado
Seller: Yuri Grechka
Date: 04/22/15

76 Lucerne Road
Springfield, MA 01119
Amount: $129,511
Buyer: US Bank
Seller: Deborah J. Flechsig
Date: 05/01/15

197 Mallowhill Road
Springfield, MA 01129
Amount: $160,852
Buyer: FNMA
Seller: Lenora M. Peloquin
Date: 04/23/15

79 Newhall St.
Springfield, MA 01109
Amount: $118,000
Buyer: Maureen E. Peeler
Seller: Dorothy Daboul
Date: 04/29/15

5-7 Newman St.
Springfield, MA 01105
Amount: $120,000
Buyer: Deutsche Bank
Seller: Carlo Icart
Date: 04/24/15

46 Ogden St.
Springfield, MA 01151
Amount: $165,000
Buyer: Mahmoud Awkal
Seller: Oussama M. Awkal
Date: 04/30/15

41 Overhill Dr.
Springfield, MA 01129
Amount: $157,000
Buyer: Ibtisam D. Qasem
Seller: Jeffrey D. Sias
Date: 05/01/15

392-394 Page Blvd.
Springfield, MA 01104
Amount: $121,000
Buyer: Mui N. Hoang
Seller: HSBC Bank
Date: 04/22/15

2165 Page Blvd.
Springfield, MA 01151
Amount: $150,000
Buyer: Desiree N. Sanchez
Seller: Gary E. Edwards
Date: 05/01/15

162 Pinevale St.
Springfield, MA 01151
Amount: $156,000
Buyer: Tory G. McCloud
Seller: Hector L. Rivera-Delbusto
Date: 04/27/15

57-59 Quebec St.
Springfield, MA 01151
Amount: $117,039
Buyer: Dariusz Winkiewicz
Seller: Julie E. Colon
Date: 04/24/15

103 Redden St.
Springfield, MA 01119
Amount: $148,000
Buyer: Antonio Rivera
Seller: London Realty LLC
Date: 04/28/15

15 Ross St.
Springfield, MA 01151
Amount: $170,000
Buyer: Rosemary Hernandez
Seller: Cassandra Suleri
Date: 04/30/15

77 Somerset St.
Springfield, MA 01108
Amount: $118,000
Buyer: H. A. Weck
Seller: Stephen Patterson
Date: 05/01/15

23 Whitaker St.
Springfield, MA 01104
Amount: $170,000
Buyer: Monica M. Leang
Seller: Maritza Hernandez
Date: 04/30/15

1506 Wilbraham Road
Springfield, MA 01119
Amount: $187,000
Buyer: Emmanuel Jacoby
Seller: William T. Carabine
Date: 04/22/15

221 Wollaston St.
Springfield, MA 01119
Amount: $187,000
Buyer: Pamela A. Jumba
Seller: Andre E. Stewart
Date: 04/23/15

26 Woodside Terrace
Springfield, MA 01108
Amount: $145,000
Buyer: Jorge L. Payano-Abarua
Seller: Russell A. Thompson
Date: 04/30/15

WALES

Wales, MA 01081
Amount: $203,000
Buyer: HSBC Bank
Seller: Jeffrey Linnell
Date: 04/29/15

WESTFIELD

59 Brentwood Dr.
Westfield, MA 01085
Amount: $203,000
Buyer: Bryan A. McBride
Seller: Sara E. Taylor
Date: 04/30/15

20 Butternut Road
Westfield, MA 01085
Amount: $161,500
Buyer: Bank New York Mellon
Seller: Kevin J. Powers
Date: 04/28/15

97 Colony Dr.
Westfield, MA 01085
Amount: $267,500
Buyer: Lawrence J. Plude
Seller: Philip J. Naworski
Date: 04/30/15

12 Cortez St.
Westfield, MA 01085
Amount: $133,900
Buyer: Stephanie M. Marotte
Seller: FNMA
Date: 04/21/15

3 Delancy St.
Westfield, MA 01085
Amount: $121,000
Buyer: Ann Barone
Seller: Welcome, Frances C., (Estate)
Date: 04/29/15

Elm St.
Westfield, MA 01085
Amount: $889,900
Buyer: Pioneer Valley Transit Authority
Seller: Joseph G. Flahive
Date: 05/01/15

15 Grove Ave.
Westfield, MA 01085
Amount: $192,500
Buyer: Tyler Desnoyers
Seller: George L. Ashley
Date: 04/27/15

105 Hubbard St.
Westfield, MA 01085
Amount: $180,000
Buyer: Louis E. Bernardi
Seller: Wendy A. Caputo
Date: 04/30/15

90 Massey St.
Westfield, MA 01085
Amount: $379,900
Buyer: Cynthia A. Kelly-Grady
Seller: RSP Realty LLC
Date: 04/27/15

20 Myrtle Ave.
Westfield, MA 01085
Amount: $131,000
Buyer: Tina M. Benson
Seller: Josephine R. Gusek
Date: 04/30/15

15 Northridge Road
Westfield, MA 01085
Amount: $192,900
Buyer: Jonathan A. Lastowski
Seller: Crystal E. Lavallee
Date: 04/29/15

61 Overlook Dr.
Westfield, MA 01085
Amount: $395,000
Buyer: Kevin R. Queenin
Seller: Robert J. Carey
Date: 04/28/15

81 Pequot Point Road
Westfield, MA 01085
Amount: $130,000
Buyer: Brian D. Moynihan
Seller: Saris Resources LLC
Date: 04/28/15

59 Putnam Dr.
Westfield, MA 01085
Amount: $188,000
Buyer: Steven M. Wood
Seller: Rebecca Q. Miller
Date: 04/30/15

149 Root Road
Westfield, MA 01085
Amount: $288,000
Buyer: Brandyn J. Peterson
Seller: Mathew Geffin
Date: 05/01/15

280 Russell Road
Westfield, MA 01085
Amount: $190,000
Buyer: Donna M. Howe
Seller: Richard S. Alger
Date: 04/30/15

3 Sherman St. Ext.
Westfield, MA 01085
Amount: $221,316
Seller: William M. Lafreniere
Date: 04/24/15

24 Sunrise Terrace
Westfield, MA 01085
Amount: $150,000
Buyer: Lyudmyla Lytvynchuk
Seller: Everbank
Date: 04/23/15

55 Westfield Industrial Park
Westfield, MA 01085
Amount: $600,000
Buyer: Beaver Lake Realty LLC
Seller: H. B. Smith Co. Inc.
Date: 04/30/15

6 Westwood Dr.
Westfield, MA 01085
Amount: $170,000
Buyer: Michael P. Stolpinski
Seller: Mongeau, Ralph A., (Estate)
Date: 04/22/15

75 Wildflower Circle
Westfield, MA 01085
Amount: $195,000
Buyer: Amanda Roy
Seller: Cui X. Lin
Date: 04/24/15

WILBRAHAM

14 Brentwood Dr.
Wilbraham, MA 01095
Amount: $259,900
Buyer: Jeffrey Sias
Seller: Patricia M. Carr
Date: 05/01/15

1 Carla Lane
Wilbraham, MA 01095
Amount: $361,450
Buyer: Karen Edgar
Seller: AC Homebuilding LLC
Date: 04/24/15

481 Dipping Hole Road
Wilbraham, MA 01095
Amount: $184,000
Buyer: Richard M. Williams
Seller: New Start Properties LLC
Date: 04/30/15

5 Pearl Lane
Wilbraham, MA 01095
Amount: $225,000
Buyer: David E. Deane
Seller: Deane Eileen L., (Estate)
Date: 04/30/15

11 Ridgewood Road
Wilbraham, MA 01095
Amount: $220,000
Buyer: Tiffany L. Tranghese
Seller: Abishag LLC
Date: 04/24/15

12 Ridgewood Road
Wilbraham, MA 01095
Amount: $220,000
Buyer: Tiffany L. Tranghese
Seller: Abishag LLC
Date: 04/24/15

19 Wright Place
Wilbraham, MA 01095
Amount: $275,000
Buyer: Stephen Patterson
Seller: Richard Paluck
Date: 05/01/15

WEST SPRINGFIELD

73 Chester St.
West Springfield, MA 01089
Amount: $186,000
Buyer: Jose A. Gomez
Seller: Margaret Garibian
Date: 04/30/15

190 Doty Circle
West Springfield, MA 01089
Amount: $275,000
Buyer: Joseph S. Spano
Seller: Mark E. Kimball
Date: 04/29/15

142 Ely Ave.
West Springfield, MA 01089
Amount: $292,500
Buyer: Edward A. Pacitti
Seller: Jacobus M. Weimann
Date: 04/24/15

39 Gay Terrace
West Springfield, MA 01089
Amount: $142,000
Buyer: Fitore B. Makolli
Seller: Giorgi, Angela A., (Estate)
Date: 04/24/15

West Springfield, MA 01089
Amount: $220,000
Buyer: Anne Beauregard
Seller: Brian P. Stamand
Date: 04/24/15

1032 Riverdale St.
West Springfield, MA 01089
Amount: $360,000
Buyer: CN Sons LLC
Seller: Maniba Corp.
Date: 04/21/15

64 Robinson Road
West Springfield, MA 01089
Amount: $182,500
Buyer: Gregg E. Stevenson
Seller: Sean B. Murray
Date: 04/30/15

275 Upper Virginia Ave.
West Springfield, MA 01089
Amount: $304,989
Buyer: Robert A. Benson
Seller: Roberto B. Otero
Date: 04/24/15

1440 Westfield St.
West Springfield, MA 01089
Amount: $315,000
Buyer: P. Albano Realty LLC
Seller: First Niagara Bank
Date: 05/01/15

HAMPSHIRE COUNTY

AMHERST

35 Farmington Road
Amherst, MA 01002
Amount: $116,500
Buyer: KSCBJ Properties LLC
Seller: Christopher R. Hrasna
Date: 04/23/15

84 Grantwood Dr.
Amherst, MA 01002
Amount: $325,000
Buyer: Adams B. Steven
Seller: Ronald E. Anderson
Date: 04/24/15

330 Harkness Road
Amherst, MA 01002
Amount: $260,000
Buyer: Darrin Brown
Seller: Jeffrey S. Weeks
Date: 04/30/15

95 Red Gate Lane
Amherst, MA 01002
Amount: $333,500
Buyer: Jacob A. Mayfield
Seller: Carol A. Connare
Date: 04/29/15

57 Rosemary Lane
Amherst, MA 01002
Amount: $402,000
Buyer: Laura C. Draucker
Seller: Chung C. Lee
Date: 04/30/15

236 South East St.
Amherst, MA 01002
Amount: $327,750
Buyer: David W. Foster
Seller: Michelle A. Lazarz
Date: 05/01/15

205 Shays St.
Amherst, MA 01002
Amount: $475,000
Buyer: Andrew J. Cox
Seller: James W. Becker
Date: 05/01/15

48 Tanglewood Road
Amherst, MA 01002
Amount: $590,000
Buyer: Christopher S. Geissler
Seller: Konstantinos Adamos
Date: 04/30/15

BELCHERTOWN

15 Forest Road
Belchertown, MA 01007
Amount: $264,900
Buyer: Donald L. Hersom
Seller: Sheldon F. Finlay
Date: 04/30/15

22 Meadow Pond Road
Belchertown, MA 01007
Amount: $363,000
Buyer: Amanda K. Kuzontkoski
Seller: Carriage Town Homes LLC
Date: 04/24/15

191 North St.
Belchertown, MA 01007
Amount: $765,000
Buyer: Patrick McFarlane
Seller: Charles E. Molnar
Date: 05/01/15

80 Oakridge Dr.
Belchertown, MA 01007
Amount: $337,500
Buyer: Fiona A. Desantis
Seller: Dahlia Development Ltd
Date: 04/24/15

281 Springfield Road
Belchertown, MA 01007
Amount: $260,000
Buyer: Old Springfield Road LLC
Seller: Michael F. Loftus
Date: 04/21/15

EASTHAMPTON

48 Clark St.
Easthampton, MA 01027
Amount: $182,000
Buyer: Scott J. Rebmann
Seller: Stefanie Santora
Date: 04/23/15

94 Holyoke St.
Easthampton, MA 01027
Amount: $236,500
Buyer: Christa C. Chiarello
Seller: Jonathan P. Buell
Date: 04/23/15

11 Kingsberry Way
Easthampton, MA 01027
Amount: $115,000
Buyer: F&G Development Corp.
Seller: Crown Meadow Corp.
Date: 05/01/15

58 Phelps St.
Easthampton, MA 01027
Amount: $188,000
Seller: Mark E. Majeski
Date: 05/01/15

124 Plain St.
Easthampton, MA 01027
Amount: $222,500
Buyer: Christie L. Cullen
Seller: Roy NT
Date: 04/30/15

8 Sandra Road
Easthampton, MA 01027
Amount: $239,900
Buyer: Jeremiah S. Micka
Seller: Jason E. Duda
Date: 04/29/15

4 Torrey Way
Easthampton, MA 01027
Amount: $230,000
Buyer: Sarah Z. Gruber
Seller: Sandra Gruber
Date: 04/24/15

GRANBY

544 East State St.
Granby, MA 01033
Amount: $159,250
Buyer: Jared Howes
Seller: Louis Delong
Date: 04/30/15

4 Ken Lane
Granby, MA 01033
Amount: $115,000
Buyer: Richard A. Twining
Seller: Pastomerlo, Joseph, (Estate)
Date: 04/28/15

288 Taylor St.
Granby, MA 01033
Amount: $265,500
Buyer: Deborah A. Matthew
Seller: William D. Porter
Date: 04/22/15

HADLEY

146 East St.
Hadley, MA 01035
Amount: $337,300
Buyer: Gregory C. Schwartz
Seller: Jinbae Hong
Date: 04/23/15

HUNTINGTON

2 Brookside Glen
Huntington, MA 01050
Amount: $260,000
Buyer: Andrew J. Lucia
Seller: William N. Miller
Date: 04/30/15

57 Searle Road
Huntington, MA 01050
Amount: $216,000
Buyer: Eric D. Jacques
Seller: Christopher F. Rose
Date: 04/30/15

NORTHAMPTON

33 Birch Lane
Northampton, MA 01062
Amount: $522,000
Buyer: Sherri A. Kuchinskas
Seller: Timothy J. Dachos
Date: 05/01/15

347 Bridge Road
Northampton, MA 01062
Amount: $205,000
Buyer: Helen D. Boston
Seller: Mark A. Battey
Date: 05/01/15

65 Fairview Ave.
Northampton, MA 01060
Amount: $528,000
Buyer: Jonathan Lash
Seller: Benjamin C. Todd
Date: 04/27/15

17 Florence Road
Northampton, MA 01062
Amount: $350,000
Buyer: Margaret J. Scott
Seller: Robert L. Gould
Date: 04/28/15

75 Moser St.
Northampton, MA 01060
Amount: $445,000
Buyer: Kim Wolfson
Seller: Wright Builders Inc.
Date: 04/30/15

265 State St.
Northampton, MA 01060
Amount: $315,000
Buyer: Huong C. Chow
Seller: Wang FT
Date: 04/30/15

Village Hill Road
Northampton, MA 01060
Amount: $430,000
Buyer: Wright Builders Inc.
Seller: Hospital Hill Development LLC
Date: 04/29/15

28 Winchester Terrace
Northampton, MA 01062
Amount: $200,000
Buyer: Corie E. Baker
Seller: John P. Donaldson
Date: 04/30/15

PELHAM

59 Arnold Road
Pelham, MA 01002
Amount: $211,500
Buyer: Peter A. Teraspulsky
Seller: Adriennes RT
Date: 05/01/15

141 Packardville Road
Pelham, MA 01002
Amount: $210,000
Buyer: Justin R. Laramie
Seller: Lawrence H. Pratt
Date: 04/28/15

SOUTH HADLEY

44 Berwyn St.
South Hadley, MA 01075
Amount: $257,000
Buyer: Boyang Li
Seller: Du Con Properties LLC
Date: 04/24/15

8 Boynton Ave.
South Hadley, MA 01075
Amount: $177,000
Buyer: Shannon L. Fitzpatrick
Seller: Eric J. Boulais
Date: 04/23/15

12 Cypress Dr.
South Hadley, MA 01075
Buyer: Page FT
Seller: Josh E. Dufresne
Date: 04/30/15

8 Garden St.
South Hadley, MA 01075
Amount: $195,000
Buyer: Jordan P. Scibelli
Seller: Michele L. Lane
Date: 04/30/15

29 Hildreth Ave.
South Hadley, MA 01075
Amount: $245,000
Buyer: Meredith A. Creeden
Seller: Christopher G. McDaniel
Date: 04/30/15

8 John Lane
South Hadley, MA 01075
Amount: $267,900
Buyer: Sai Z. Tu
Seller: Donald L. Hersom
Date: 04/30/15

187 Lathrop St.
South Hadley, MA 01075
Amount: $230,000
Buyer: Carolyn J. Andre
Seller: David A. Giroux
Date: 04/30/15

12 Laurie Ave.
South Hadley, MA 01075
Amount: $187,500
Buyer: Jennifer M. Murphy
Seller: James Murphy
Date: 04/27/15

14 Maria Dr.
South Hadley, MA 01075
Amount: $180,000
Buyer: Eric J. Boulais
Seller: Blanchard, Theresa A., (Estate)
Date: 04/23/15

3 Normandy Road
South Hadley, MA 01075
Amount: $250,000
Buyer: Kaleigh A. Magri
Seller: Ronald W. Bush
Date: 04/24/15

3 Plainville Circle
South Hadley, MA 01075
Amount: $354,900
Buyer: Christopher G. McDaniel
Seller: Thomas R. Costello
Date: 04/30/15

7 Skinner Lane
South Hadley, MA 01075
Amount: $180,000
Buyer: First Niagara Bank
Seller: Henry J. Lukasik
Date: 04/28/15

22 Valley View Dr.
South Hadley, MA 01075
Amount: $485,000
Buyer: Margery L. Gerard
Seller: Catherine Lannon
Date: 05/01/15

SOUTHAMPTON

3 Madison Ave.
Southampton, MA 01073
Amount: $366,500
Buyer: Mathew K. Geffin
Seller: Kevin R. Kraus
Date: 04/28/15

1 Nicholas Lane
Southampton, MA 01085
Amount: $150,000
Buyer: Zed O. Griffin
Seller: Chester J. Kellogg
Date: 04/28/15

71 Pequot Road
Southampton, MA 01073
Amount: $165,000
Buyer: Mark D. Mason
Seller: Ann M. Shea
Date: 04/22/15

106 Valley Road
Southampton, MA 01073
Amount: $379,500
Buyer: Jonathan P. Buell
Seller: Lori A. Slezek
Date: 04/23/15

WARE

5 Clifford Ave.
Ware, MA 01082
Amount: $138,000
Buyer: Mary E. Stelmokas
Seller: Grazyna Zawada
Date: 04/28/15

168 Fisherdick Road
Ware, MA 01082
Amount: $170,000
Buyer: Luke M. Powers
Seller: Cecile A. Blake
Date: 04/24/15

19 Juniper Hill Road
Ware, MA 01082
Amount: $184,000
Buyer: Holly E. Bruso
Seller: Gary R. Boivin
Date: 04/27/15

WESTHAMPTON

376 Northwest Road
Westhampton, MA 01027
Amount: $235,000
Buyer: Caralyn L. Whipple
Seller: Mary T. Lewis
Date: 05/01/15

WILLIAMSBURG

67 Adams Road
Williamsburg, MA 01039
Amount: $810,000
Buyer: Diane M. Shenberger
Seller: Mark Wisotzky
Date: 05/01/15

2 Pine St.
Williamsburg, MA 01096
Amount: $230,000
Buyer: Mary A. Moriarty
Seller: Kanus Shallcross NT
Date: 04/28/15

Bankruptcies Departments

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

Al Gag’s Custom Lures
Gagliarducci, Albert F.
3 Evergreen Circle
Wilbraham, MA 01095
Chapter: 7
Filing Date: 04/16/15

Banks, Carl F.
Banks, Kerrie A.
125 Coolidge Ave.
Ludlow, MA 01056
Chapter: 7
Filing Date: 04/28/15

Beaudoin, Bernadette
91 Roosevelt Ave.
Westfield, MA 01085
Chapter: 13
Filing Date: 04/30/15

Bissonnette, Daniel S.
101 Loretta St.
Springfield, MA 01118
Chapter: 7
Filing Date: 04/30/15

Boisvert, Yvette P.
6 Pine Meadow Road
Phillipston, MA 01331
Chapter: 7
Filing Date: 04/30/15

Bridge, Kimberly M.
6 Fox Hill Dr.
Wilbraham, MA 01095
Chapter: 7
Filing Date: 04/27/15

Case, Brian A.
Case, Marta E.
a/k/a Murphy, Marta E.
150 Elm St.
East Longmeadow, MA 01028
Chapter: 7
Filing Date: 04/28/15

Chan, Traci E.
127 Parkside St.
Springfield, MA 01104
Chapter: 7
Filing Date: 04/29/15

Ciollaro, Stephen Joseph
49 Bessemer St.
Springfield, MA 01104
Chapter: 7
Filing Date: 04/27/15

Colon, Wanda
28 Draper St.
Springfield, MA 01108
Chapter: 7
Filing Date: 04/20/15

Comtois, David M.
152 Southbridge Road
Unit 1A
Warren, MA 01083
Chapter: 7
Filing Date: 04/21/15

Corliss, Colleen E.
10 Greenwood St., Unit H
Westfield, MA 01085
Chapter: 7
Filing Date: 04/17/15

Cote, Suzanne M.
12 Andrew St.
Ludlow, MA 01056
Chapter: 7
Filing Date: 04/28/15

Czupkiewicz, Katie L.
27 Clark St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 04/28/15

Daniels, Lisa J.
770 Grayson Dr.
Springfield, MA 01119
Chapter: 7
Filing Date: 04/28/15

Dorobisz, Dorothy B.
86 Westfield Road
Holyoke, MA 01040
Chapter: 13
Filing Date: 04/22/15

Dow, Marjorie
Walden, Donna Marie
11 Leonard St.
Greenfield, MA 01301
Chapter: 7
Filing Date: 04/16/15

Farmer, Jeremy D.
27 Christian Hill Road, Apt. #38
Great Barrington, MA 01230
Chapter: 7
Filing Date: 04/27/15

Fornataro, Danielle
12 Katie Lane
Palmer, MA 01069
Chapter: 7
Filing Date: 04/27/15

Gariepy, Jennifer L.
6 Pine Meadow Road
Phillipston, MA 01331
Chapter: 7
Filing Date: 04/30/15

George, Nancy A.
6B Park Villa Dr.
Turners Falls, MA 01376
Chapter: 7
Filing Date: 04/20/15

Girardi, Matteo A.
PO Box 165
Oakham, MA 01068
Chapter: 7
Filing Date: 04/30/15

Grant, Dorothy
70 Edgemont St.
Springfield, MA 01109
Chapter: 7
Filing Date: 04/27/15

Gryszowka, James M.
41 Malden St.
Springfield, MA 01108
Chapter: 7
Filing Date: 04/29/15

Harris, Marion Michiko
49 Craig Dr., Apt. A
West Springfield, MA 01089
Chapter: 7
Filing Date: 04/30/15

Henault, Ervin Francis
Henault, Doris P.
238 Nassau Dr.
Springfield, MA 01129
Chapter: 7
Filing Date: 04/17/15

Herbst, Kevin P.
145 Beacon Dr.
Palmer, MA 01069
Chapter: 7
Filing Date: 04/27/15

Hodgins, Joseph D.
42 Ogden St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 04/17/15

Howlett, Richard W.
P.O. Box 14
Hampden, MA 01036
Chapter: 7
Filing Date: 04/24/15

Jordan, Donald A.
14 Colorado Ave.
Greenfield, MA 01301
Chapter: 7
Filing Date: 04/20/15

King, Steven C.
King, Jennifer A.
46 Basket St.
Huntington, MA 01050
Chapter: 7
Filing Date: 04/30/15

Lanier-Grimes, Darlene Marie
43 Courtland St.
Springfield, MA 01109
Chapter: 7
Filing Date: 04/20/15

Long, Wolf D.
Long, Linda J.
33 Potash Hill Lane
Hampden, MA 01036
Chapter: 7
Filing Date: 04/17/15

Mcfee, Karen Ann
a/k/a Boissy, Karen Ann
196 Breckenridge St.
Palmer, MA 01069
Chapter: 7
Filing Date: 04/20/15

Mozeak, Michael
36A Monson Road
Wales, MA 01081
Chapter: 7
Filing Date: 04/17/15

Murdock, Gloria D.
204 Denver St.
Springfield, MA 01109
Chapter: 13
Filing Date: 04/28/15

Niemiec, David W.
Niemiec, Joanne M.
126 Lamont St.
Springfield, MA 01119
Chapter: 7
Filing Date: 04/27/15

Niquette, Robert Roger
107 Susan Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 04/20/15

O’Sullivan, Gerald Edward
14 Alvord St.
Chicopee, MA 01020
Chapter: 13
Filing Date: 04/27/15

Pare’, Warren L.
PO Box 486
Chicopee, MA 01021
Chapter: 13
Filing Date: 04/24/15

Paredes Matos, Robert Alexander
163 Methuen St.
Springfield, MA 01119-1525
Chapter: 7
Filing Date: 04/30/15

Perry, Bryan J.
470 Colebrook River Road
Tolland, MA 01034
Chapter: 7
Filing Date: 04/23/15

Potter, Leslie L.
7 Manchester Ave.
Pittsfield, MA 01201
Chapter: 13
Filing Date: 04/21/15

Rodriguez, Michelle C.
a/k/a Cruz, Michelle C.
a/k/a Tessier, Michelle C.
15 Dunkirk Ave.
Worcester, MA 01604
Chapter: 7
Filing Date: 04/17/15

Rodriguez, Ricardo L.
Rodriguez, Mayra
31 Brown St.
Springfield, MA 01109
Chapter: 7
Filing Date: 04/22/15

Rodriguez, William
Rodriguez, Zaida I.
a/k/a Lopez, Zaida I.
50 View St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 04/30/15

Rosemond, Taneisha M.
a/k/a Rosemond-Bell, Taniesha M.
45 Macomber Ave.
Springfield, MA 01119
Chapter: 7
Filing Date: 04/17/15

Ryan, Briana
100 Elmore Ave.
Springfield, MA 01119
Chapter: 7
Filing Date: 04/28/15

Shea, Meaghan B.
323 Sargeant St., Apt.
Holyoke, MA 01040
Chapter: 7
Filing Date: 04/29/15

Sitko, Steven D.
34 South Road
Sturbridge, MA 01566
Chapter: 7
Filing Date: 04/21/15

Skop, Jonathan F.
265 Chicopee St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 04/23/15

Smith, Henry D.
10 Woodbridge St.
Holyoke, MA 01040
Chapter: 7
Filing Date: 04/28/15

Soule, Francis D.
Soule, Loretta J.
a/k/a Garner, Loretta J.
a/k/a Gaudet, Loretta J.
a/k/a Moore, Loretta J.
a/k/a Pyka, Loretta J.
438 Page Blvd.
Springfield, MA 01104
Chapter: 7
Filing Date: 04/24/15

Spear, Geof E.
51 Simmons Brook Dr.
Westfield, MA 01085
Chapter: 7
Filing Date: 04/28/15

Stone, Terri E.
59 Elizabeth St.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 04/23/15

Tirrell, Leon Henry
Tirrell, Carrie Ann
113 Millers Falls Road
Turners Falls, MA 01376
Chapter: 7
Filing Date: 04/29/15

Vedovelli, Kenneth M
Vedovelli, Paula M.
164 Woodhill Road
Monson, MA 01057
Chapter: 7
Filing Date: 04/27/15

Williams, Robert Edward
281 Chauncey Walker St.
Belchertown, MA 01007
Chapter: 7
Filing Date: 04/27/15

Wirtes, Kimberly
a/k/a Gallagher, Kimberly
125 Liberty St.
North Adams, MA 01247
Chapter: 13
Filing Date: 04/21/15

DBA Certificates Departments

The following Business Certificates and Trade Names were issued or renewed during the month of May 2015.

AGAWAM

Aunchman Style
14 Church St.
Bonnie Aunchman

Cocochi Asian Cuisine
760 Springfield St.
Duan Liu

Sunkissed Tanning, LLC
850 Suffield St.
Amy Felicetty

CHICOPEE

Cliff Hangers
72 Fairway Dr.
David Apro

DH Auto Sales, LLC
105 Meadow St.
Anmar Khalil

Next Level English
22 Simonich St.
Ruth Nawrocki

Revitalize Fitness
13 Wallace Ave.
Chad Moir

Sophisticated Cuts
375 Chicopee St.
Caridad Cruz

EASTHAMPTON

All Things Relaxation
21 South St.
Jessica Berger

Dandelions
19 Hendrick St.
Ann M. Boruchowski

Tom Gomes Drum Company
14 Plaza Ave.
Thomas Gomes

Trevor Chalmers Design
11 Loudville Road
Trevor Chalmers

LUDLOW

A & P Machine Company
1189 East St.
Anne Guay

Baystate Painting Company
512 Miller St.
Donald Wojcik Jr.

JW Remodeling
86 Booth St.
John Windoloski

Linda’s Hairstyling
322 West Ave.
Linda Bianco

NORTHAMPTON

Grif Guns
244 Damon Road
Robert Griffith

Mindful Music Maker
55 Indian Hill
Carol Hetrick

Packards
14 Masonic St.
Robert McGovern

Pioneer Valley Books
155 Industrial Dr.
Matthew Dufresne

Platinum Auto Sale
397 Damon Road
Sinan Turan

Radiant Point Accupuncture
22 Merrick Lane
Kathryn Cadwagan

Stay Positive Animal Training
960 Park Hill Road
Caroline Moore

Studio Vinka
78 South Main St.
Sarah Harvey

Valley Trust
57 Main St.
Jagdish Singh

Viva Fresh Pasta Company
249 Main St.
Paul Milani

SPRINGFIELD

GC Films and Photography
32 Mobile Home Way
Carlos E. Monet

HBH Direct
1392 Worcester St.
Victoria Orlova

Hola Interpreter Services
50 Crystal Brook Dr.
Salvador DeJesus

Hyperstar, LLC
468 Bridge St.
Kanza H. Qureshi

In-Yo Face Sports
29 Rush St.
Saalim Duncan

Introspection
177 Daviston St.
Willie McCreary

KD Trucking
68 Chester St.
Kelvinson R. Duran

L.A. Nails & Spa
314 Belmont Ave.
Sang Lam

Lassend Home Improvement
394 St. James Ave.
Arnaldo Lassend

Maple Mart
155 Maple St.
Shamim Qureshe

Martinez Cleaning
184 Albemarle St.
Miriam Martinez

Maurice Starr Entertainment
26 Colfax St.
Joseph Young Jr.

Michael James Photography
24 Puritan Road
Michael W. Mettey

Nasir Inc.
1343 Carew St.
Amir M. Paracha

Nu Yu Hair Studio
1366 Allen St.
Stacy Harris

O.K. Performance
42 Devonshire Road
Edward Roy

O’Neal Property Management
63 Chester St.
James Bethea

O’Reilly Auto Parts
644 State St.
O’Reilly Auto

Original Crew
54 Princeton St.
Verol D. Facey

Ranzy Hill
14 Shelby St.
Ranzy Hill

Departments Incorporations

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

ASHFIELD

Sears Tree & Landscape Service Inc., 107 South St., Ashfield, MA 01330. Randall E. Sears, same. Tree and landscaping services.

HOLYOKE

Singh Corporation, 539 Pleasant St., Holyoke, MA 01040. Mohinder K. Grewal, 8 Eagle Dr., South Hadley, MA 01075. Convenience store.

PITTSFIELD

Elite Crete Systems East Inc., 1400 East, Pittsfield, MA 01201. John Massery, same. Distribution and training related to construction materials.

Great Wall Spa Inc., 5 Newell St., Pittsfield, MA 01201. Fang Tian, 289 Springfield Ave., Pittsfield, MA 01201. Nail salon and other salon services.

SPRINGFIELD

Black and Latino Chamber of Commerce Inc., 32 Hampden St., Springfield, MA 01103. Rev. Timothy Baymon, same. To promote interest in local business possibilities, funding, planning, inspiration, and guidance.

Dr. Dental of Springfield, P.C., 1225 Liberty St., Unit 3, Springfield, MA 01104. Julia O. Faigel, 20 Boulder Road, Newton, MA 01104. Dentist.

Mi Pequeno Mexico Inc., 258 Oakland St., Springfield, MA 01108. Erika Linares, same. Mexican grocery store.

NSA Market Inc., 2760 Main St., Springfield, MA 01107. Hipolito Abreu, 358 Page Blvd., Springfield, MA 01104. Food and miscellaneous market.

Surprise Me Inc., 110 Manor Court, Springfield, MA 01118. Mark R. Schmidt, same. Development of cell phone applications.

T. John Megas Jr., D.M.D., P.C., 299 Carew St., Ste. 218, Springfield, MA 01104. T. John Megas Jr., same. Periodontics and oral implantology.

WESTFIELD

Kisiel Inc., 204 Russell Road, Unit D, Westfield, MA 01085. Kazimierz Kisiel, same. Transportation and hauling various types of freight.

Pasquale’s Italian Family Restaurant Inc., 278-288 Elm St., Westfield, MA 01085. Pasquale Cardenuto, same. Restaurant.

Power Control Services & Electric Inc., 227 Loomis St., Westfield, MA 01085. David Armand Budreau, same. Maintain and design power plants.

WEST SPRINGFIELD

QQ International Inc., 203 Circuit Ave., Ste. 128, West Springfield, MA 01089. Ruohung Kuo, same. Bus charters.

WILLIAMSTOWN

Destination Williamstown Inc., 62 Spring St., Ste. 2-D, Williamstown, MA 01267. Carol Stegeman, 275 Riverview Run, Williamstown, MA 01267. Spurring economic development in the Northern Berkshire County region.

Global Forest Carbon Inc., 166 Sand Springs Road, Williamstown, MA 01267. Yasir Yahya, same. Carbon exchange.

Briefcase Departments

State Awards $100,000 in Workplace Safety Grants
BOSTON — Seven Massachusetts employers — including one in Western Mass. — were awarded grants, totaling more than $100,000, to train 552 workers to prevent workplace injuries, illnesses, and deaths, Labor and Workforce Development Secretary Ronald Walker II announced. The Department of Industrial Accidents Office of Safety administers and manages the Workplace Safety Training and Education Grant program to promote safe, healthy workplace conditions through training, education, and other preventative programs for employers and employees covered by the Massachusetts Workers’ Compensation Law. North Adams-based Berkshire Family & Individual Resources, a nonprofit, human-service organization providing support services for adults and children with disabilities, autism, and traumatic brain injuries, was awarded $10,165. Other grants were awarded to organizations in Lawrence, Dorchester, Roxbury, Boston, Wellesley, and Pepperell. “It’s not just employers and workers who pay the price for occupational fatalities, injuries, and illness. Society often bears the indirect costs of medical treatments and lost wages and productivity,” Gov. Charles Baker said. Added Lt. Gov. Karyn Polito, “making employers and workers aware of workplace hazards and developing safety precautions and protocols can go a long way in reducing the costs of workplace tragedies.” With $800,000 budgeted annually for the safety grant program, the Department of Industrial Accidents (DIA) has funded hundreds of programs that have educated thousands of employers and workers in the Commonwealth. The new round of grants will be the last given out this fiscal year. “These grants have made Massachusetts workplaces safer and healthier for thousands of employees and simultaneously created opportunities for trained workers to move into new or higher-paying jobs,” Walker said. Grant recipients can be awarded up to $25,000 per entity each fiscal year. Employers were awarded training grants through a competitive application process through DIA.

State Unemployment Rate Drops to 4.7% in April
BOSTON — Massachusetts’ total unemployment rate dropped to 4.7% in April, a 0.1% decrease from the previous month, the Executive Office of Labor and Workforce Development announced. The new preliminary job estimates from the Bureau of Labor Statistics (BLS) indicate that Massachusetts gained 10,100 jobs in April, marking the eighth consecutive month of job gains. BLS also revised upward its March job figure, reporting the state gained 12,100 jobs, instead of 10,500, which the agency originally reported last month. Over the year, the state’s unemployment rate fell 1.1% from 5.8% in April 2014. January 2008 was the last time the state’s unemployment rate was at 4.7%. The state unemployment rate remains lower than the national rate of 5.4% reported by the Bureau of Labor Statistics. The state’s labor participation rate — the total number of residents 16 or older who worked or were unemployed and actively sought work in the last four weeks — increased 0.1% to 66.3%. The April labor participation rate is the highest since May 2010, and this is the third consecutive month there was an increase in the participation rate. Compared to April 2014, the labor participation rate increased 1.1% over the year. “This is the seventh consecutive month we’ve seen a decrease in unemployment,” Labor and Workforce Development Secretary Ronald Walker said. “Many more residents are employed, and labor participation has increased again.” April 2015 estimates show that 3,464,500 residents were employed and 169,400 were unemployed. There were 37,700 fewer unemployed persons over the year compared to April 2014. Over the month, jobs were up 10,100, with a private-sector gain of 9,700. Since April 2014, jobs grew by 66,100, with 57,900 private-sector job gains. Education and health services and professional, scientific, and business services were the sectors with the largest job gains over the year.

DCR to Issue Volunteer Fire Assistance Grants
BOSTON — Department of Conservation and Recreation (DCR) Commissioner Carol Sanchez announced that $65,542 has been made available in the 2015 Volunteer Fire Assistance (VFA) grant funding program for eligible towns. Funding for this program, which is provided by the U.S. Department of Agriculture’s Forest Service, is administered by DCR’s Bureau of Forest Fire Control and Forestry. “The Volunteer Fire Assistance grants are an extremely important funding tool to assist qualifying local fire departments that might not have the means to pay for vital equipment and training needed to combat wildland fires within their borders,” Sanchez said. “The recent outbreak of brushfires across the Commonwealth only reinforces the value of the VFA grants.” VFA grants are available to nonprofit rural call or volunteer fire departments that provide service primarily to a community or city with a population of 10,000 or fewer. Fire departments must be comprised of at least 80% call or volunteer firefighters, must be recognized as a fire department under state law, and must be compliant with the National Incident Management System. Applications with eligibility guidelines were mailed recently to the Commonwealth’s forest wardens in all eligible communities. The completed application must be received by June 12 by Program Coordinator Roxanne Savoie, DCR Bureau of Forest Fire Control, Hampton Ponds State Park, 1048 North Road, Westfield, MA 01085. For questions regarding the application process, call (413) 538-9092, ext. 400. DCR, an agency of the Executive Office of Energy and Environmental Affairs, oversees 450,000 acres of parks and forests, beaches, bike trails, watersheds, dams, and parkways. The agency’s mission is to protect, promote, and enhance the state’s natural, cultural, and recreational resources. To learn more about DCR, visit www.mass.gov/dcr, or e-mail [email protected].

Springfield Wins $526,813 for Sewer Improvements

SPRINGFIELD — State Treasurer Deb Goldberg, chair of the Massachusetts Clean Water Trust, announced more than $6.7 million in loan-principal forgiveness for 13 communities statewide, including Springfield. The principal-forgiveness funds, administered by the state and funded by the federal government, were awarded on a competitive basis to cities and towns most in need of financial assistance associated with loan payments to the Massachusetts Clean Water Trust. The funds will be used for financing improvements to drinking water and wastewater infrastructure. The Springfield Water and Sewer Commission received a $526,813 award for the CWP-14-27 Dickinson Street siphon/main interceptor rehabilitation
project. The objective of the project is to rehabilitate and extend the lifespan of existing infrastructure and to improve hydraulic capacity which allows for mitigation of structural failure leading to sanitary sewer overflow (SSO) events. Approximately half of Springfield and the surrounding towns of Ludlow and Wilbraham are served by the main interceptor (MI), which runs for approximately 27,200 feet. The MI was built in 1972 and is constructed of 60-inch and 66-inch reinforced concrete pipe. Based on recent inspection, the MI is considered to be in structural distress. The Dickinson Street Siphon feeds a large catchment of flow into the MI. SSOs into the Mill River and neighborhoods have occurred at the siphon during heavy rainfall events. As part of the project, the siphon will be replaced with a large-diameter gravity sewer. “The Clean Water Trust delivers a critical service to our municipalities by financing water infrastructure projects,” Goldberg said. “Improving water quality presents a range of both public-health and economic benefits for the citizens and communities we represent.” The Massachusetts Clean Water Trust improves water quality in the Commonwealth through the provision of low-cost capital financing to cities, towns, and other eligible entities, and maintains stewardship of public funds. Because of the reduction of loan principal funded by this program, impacted communities will see their biannual loan payments reduced, freeing up capital for other local needs. The loans were originated to pay for municipal water projects such as upgrades to water-treatment facilities and stormwater and sewer-improvement projects.

Dress for Success Names New President, Members
SPRINGFIELD — Dress for Success Western Massachusetts announced that Dawn Creighton, Western Mass. regional director for the Associated Industries of Massachusetts, has been named board president. Dress for Success is a not-for-profit organization promoting the economic independence of disadvantaged women by providing professional attire, a network of support, and the career-development tools to help women thrive in work and in life. “As president of Dress for Success, strengthening our community with strong women will be my priority,” said Creighton. “Dress for Success isn’t just about the suit. It’s about the women that fill the suits. I am eager to work with partnering agencies and community leaders to ensure the women of Pioneer Valley have the tools they need to be successful in the workforce.” In addition to her role with AIM, Creighton serves on multiple committees and boards, including the Human Resource Management Assoc. of Western New England, Junior Achievement of Western Massachusetts, Internhere.com, the Hartford-Springfield Economic Partnership, United Way of Pioneer Valley, the Affiliated Chambers of Commerce of Greater Springfield, and the World Affairs Council. Also named to the board are Jennifer Brown, Jonencia Wood, and Natallia Furjan-Collins. Brown has more than 16 years of experience within the staffing industry and currently is assistant vice president of operations for United Personnel, supervising candidate recruitment, client relations, staffing support, and quality assurance. Prior to joining United Personnel, she was the managing director at Staffing Now. She is a member of the Human Resource Management Assoc. and the human resource roundtable with the Employers Assoc. of the NorthEast. Wood is senior director of programs for the alumnae association of Mount Holyoke College and has more than 10 years of experience focusing on the professional development and advancement of underrepresented individuals. Prior to joining Mount Holyoke, she served as a diversity specialist for Baystate Health and community action and communications coordinator for the Youth Empowerment Adolescent Health Network. Furjan-Collins is the human resources leader for MassLive. She brings with her an innovative and modern approach to employee relations in the digital environment. Prior to joining MassLive, her career spanned several years in human-resource management in her native Canada, including speaking publicly on topics such as workplace harassment and bullying. She is currently a community business partner in the sophomore business cohort program at Western New England University.

Company Notebook Departments

Berkshire Hills to Acquire Firestone Financial
PITTSFIELD — Berkshire Hills Bancorp Inc. announced the signing of a definitive agreement for the acquisition of privately held Firestone Financial Corp. as an operating subsidiary of Berkshire Bank. Based in Needham, Firestone is a longstanding commercial specialty finance company providing secured installment loan equipment financing for small and medium-sized businesses. “Firestone is a terrific fit for Berkshire Bank,” stated Berkshire CEO Michael Daly. “The strength of the management team and their conservative approach to credit has made them a solid performing finance company. Our strategic decision to complement our strong asset based lending platform with this commercial lending business enables us to further diversify our assets while expanding our client offerings. We look forward to adding Firestone’s expertise to our organization, and taking advantage of the synergies available through this acquisition.” George Bacigalupo, Berkshire’s executive vice president of Commercial Banking, added, “We are pleased to expand our commercial platform with this attractive acquisition. The addition of Firestone enhances both the geographic and categorical diversification of our loan portfolio while providing a valuable additional growth channel for us.  The business will continue to be run by Firestone’s talented management team and their experience and conservative relationship-based approach makes this a great fit for our organization.” On March 31, 2015, Firestone had approximately $190 million in loans outstanding spread across multiple industries and market areas. Borrowers are widely dispersed with no state comprising more than 11% of the outstanding balance and the largest borrower representing just 1.2% of outstandings.  The weighted average yield on the portfolio at quarter end was 9.8% and its weighted average remaining maturity was 36 months.  The portfolio’s net charge-off rate has not exceeded 0.23% in any of the last three years. Firestone has been in business for 50 years and is led by industry veterans David S. Cohen and Scott A. Cooper, both of whom joined the company in the mid-1980’s. Firestone’s senior management team has extensive experience in the markets they serve and will continue to run the business following the closing.  The acquisition is priced at 130% of Firestone’s adjusted tangible book value. The deal value is estimated to be approximately $53 million, with 75% of the consideration to be paid in BHLB common stock and 25% to be paid in cash.  The acquisition is expected to be accretive to Berkshire’s 2016 earnings per share and to generate a return on equity in excess of 15%. The transaction is expected to be $0.08 dilutive to Berkshire’s tangible book value per share, with a related payback period of approximately 2.5 years. The transaction is subject to the receipt of regulatory approvals and other customary closing conditions and is expected to be completed during the third quarter of 2015. 
 
Log Cabin’s Upper Vista Hosts First Wedding
HOLYOKE — The Log Cabin has long been one of the region’s most popular outdoor wedding venues, due in large part to the panoramic mountain views from its Mt. Tom location. Over the past year, the facility has expanded its outdoor facilities on the uppermost clearing above the outdoor patio to create Upper Vista. On May 23, West Springfield couple Adam Hawley and Courtney Juday became the first bride and groom to be married at the new site. “We are offering couples something very unique,” said Peter Rosskothen, co-owner of the Log Cabin Upper. “Vista is on the highest point of the property; the view is breathtaking.” Upper Vista features a deluxe tent and building fully equipped with restrooms, a bridal suite, and a kitchen. “For some couples, there is a trend toward less traditional venues for weddings,” Rosskothen said. “With Upper Vista, our customers get the experience of the funky outdoor wedding without the logistical headaches of planning it all themselves. They know they can count on our expert wedding staff and excellent chefs to get all the details right.”

American Benefits Group Cited for Customer Service
NORTHAMPTON — American Benefits Group (ABG) of Northampton has been recognized as the 2015 Customer Service Champion by Alegeus Technologies, the industry’s largest healthcare provider of account-based, pre-tax benefits. ABG uses the Alegeus Consumer Benefits Account Management Platform as part of its core service administration system. The award was presented to ABG management on May 8 at the National Alegeus Client Conference in San Diego. “Through its longstanding partnership with Alegeus, American Benefits Group has continuously demonstrated superb business growth and outstanding customer metrics,” said Bob Natt, executive chairman of Alegeus. “American Benefits Group continues to raise the bar in advancing healthcare consumerism and delivering a truly innovative and excellent healthcare experience for all stakeholders.” Added ABG founder and CEO Robert Cummings, “with our relentless focus on customer experience and aggressive adoption of innovative technologies, ABG has grown into one of the industry’s top employee-benefits-administration companies. As a result, we have experienced record growth for the past six years and today are serving more than 1,000 employer clients who collectively have more than 150,000 employees.” American Benefits Group was founded in 1989 by Robert Cummings and provides employers with turn-key, third-party administration of a wide range of pre-tax employee benefits, including health reimbursement accounts, health savings accounts, flexible spending accounts, COBRA administration and compliance, and pre-tax commuter accounts. Customers include more than 1,000 companies — including international, iconic brands such as Ferrari Maserati, Wall Street giant Cantor Fitzgerald, and Mitsubishi — as well as many area employers, such as Mount Holyoke College and Florence Savings Bank. The company has 27 Northampton-based employees. It recently opened a satellite office in Columbia, Md., and is rapidly expanding in the mid-Atlantic marketplace.

Adam Quenneville Earns Top Honor
SOUTH HADLEY — Adam Quenneville Roofing, Siding & Windows announced that GAF, North America’s largest roofing-materials manufacturer, recently recognized the company with a prestigious 2015 Presidents Club Award for high-quality workmanship, safety, training, and reliability. Quenneville was one of five North American contractors to receive this award. GAF, North America’s largest roofing manufacturer, developed the Presidents Club Award for Master Elite contractors who excel in workmanship, service, and responsiveness. Adam Quenneville Roofing has been recognized for its long-standing support of GAF products, success in offering homeowners peace of mind in GAF warranties, and attention to detail in all GAF roofing systems. “Some people might think, after owning a business for 20 years, that the passion would dwindle,” Quenneville said. “I feel just the opposite. I am more excited than ever to help area homeowners with their roofing concerns. Having this many years of experience, I can offer unique solutions and recommendations.” He added, “I would like to take a moment and thank my team. I couldn’t have achieved this award or any of the success over the last two decades without them.” For more information about Adam Quennville Roofing, Siding & Windows, visit 1800newroof.net.

<strong>East Longmeadow Skilled Nursing Center Earns Perfect Survey Score
EAST LONGMEADOW
— East Longmeadow Skilled Nursing Center passed a recent state Department of Public Health (DPH) survey with no deficiencies, indicating perfect compliance with stringent state standards for skilled nursing care. A deficiency-free result in the state’s rigorous annual examination is one of the top indications of excellence for nursing facilities. Each facility is thoroughly surveyed and rated on core criteria including quality care, safety, administration, food service, nursing care, and patient rights. The unannounced inspections by representatives from the DPH are conducted annually, nine to 15 months following the prior survey. This evaluation, conducted by a team including at least one registered nurse and social worker, includes a review of residents’ and patients’ clinical records, a thorough tour of the facility, and interviews with residents, patients, family members, and staff members. This honor is the most recent in a series of outstanding accomplishments by East Longmeadow Skilled Nursing Center, including a Bronze Commitment to Quality Award presented by the American Health Care Assoc. and National Center for Assisted Living, based on the criteria of the Baldrige Performance Excellence Program. Other recent accolades include East Longmeadow’s scores in the top 5% in the nation for customer and workforce satisfaction, as measured by My InnerView and National Research Corp.

Smith Steps Down as CEO of YMCA of Greater Springfield

SPRINGFIELD — Kirk Smith has resigned from his position as CEO of the YMCA of Greater Springfield, and will continue his 17-year career with the YMCA at the executive level in Florida. Jeffrey Poindexter, the recently appointed board chair of the YMCA of Greater Springfield, announced that the board will establish a search committee to identify a permanent replacement to lead the organization. The search committee will likely consult YMCA of the USA, the national parent organization, to provide any necessary executive resources in the short term. Smith will continue to be available to the board to assist with the transition through July 3. “Kirk Smith brought unique talents in his leadership of the Y, and under his direction, the YMCA launched or expanded programming, including the building of the new Agawam YMCA Wellness and Family Program Center on Springfield Street,” Poindexter said. “He also was instrumental in maintaining the services of Dunbar Community Center, a vital asset to the Mason Square community. He expanded programming at the Scantic Valley YMCA in Wilbraham and represented the YMCA in a number of community organizations and causes.” He added, “Kirk also established the YMCA’s Diversity & Inclusion Committee and helped to secure an additional $4 million from the Department of Education for pre-school expansion and added educational programming sites, one of the YMCA’s key service areas. These initiatives, and Kirk’s leadership, were vital to the YMCA and the varied constituencies we serve. I know I speak for the entire YMCA board in expressing my appreciation for Kirk Smith’s stewardship of the Springfield YMCA, one of the oldest in the United States, and wish Kirk and his family great future success.” Since 1852, the YMCA of Greater Springfield has been a way of life for thousands of youth, teens, families, and seniors throughout the 14 cities and towns it serves.

Chamber Corners Departments

AFFILIATED CHAMBERS OF COMMERCE OF GREATER SPRINGFIELD
www.myonlinechamber.com
(413) 787-1555
 
• June 3: Business@Breakfast, 7:15-9 a.m., hosted by Springfield College, Richard B. Flynn Campus Union, 263 Alden St., Springfield. Sponsored by United Personnel and Wolf & Company, P.C. Celebrate success at the last ACCGS Business@Breakfast of the 2014-15 season. Includes presentation of “A Year in Review” and the Richard J. Moriarty Citizen of the Year Award. Cost: $20 for members ($25 at the door), $30 for general admission.

AMHERST AREA CHAMBER OF COMMERCE
www.amherstarea.com
(413) 253-0700
 
• June 24: After 5, 5-7 p.m., hosted by J.F. Conlon, 29 University Dr., Amherst. Sponsored in part by J.F. Conlon & Associates. Cost: $10 for members, $15 for non-members. Register online at www.amherstarea.com or call the chamber office at (413) 253-0700.
 
GREATER CHICOPEE CHAMBER OF COMMERCE
www.chicopeechamber.org
(413) 594-2101
 
• June 13: 5K Road Race/2-mile Walk. Cost: $25, $15 for kids 12 and under. Registration includes T-shirt and free lunch provided by the Munich Haus.

• June 17: Breakfast & Health Fair, American Red Cross Blood Drive, hosted by Castle of Knights, 1599 Memorial Dr., Chicopee. Exhibitor space available: $125 per table for members, $175 for non-members.

• June 18: Mornings With the Mayor, 8-9 a.m., hosted by Willimansett Center West, 546 Chicopee St., Chicopee. Free for chamber members.

• June 24: Business After Hours, 5-7 p.m., hosted by Wireless Zone, 601E Memorial Dr., Chicopee. Cost: $10 for members, $15 for non-members. 

GREATER EASTHAMPTON CHAMBER OF COMMERCE
www.easthamptonchamber.org
(413) 527-9414

• June 1: Greater Easthampton and Greater Holyoke Chambers of Commerce 2014 Collaborative Networking Event. Register online at www.easthamptonchamber.org or call Denise at (413) 527-9414.

• June 8: Monday Morning with the Mayor, 8-9 a.m., hosted by Easthampton Savings Bank, Financial Services. Enter via Campus Lane entrance, 36 Main St., Easthampton. This is your opportunity to bring your questions to Mayor Karen Cadieux for casual conversation and direct answers. Register online at www.easthamptonchamber.org or call Denise at (413) 527-9414. 

• June 18: Speaker Breakfast, 7:30-9 a.m., hosted by Williston Northampton School, 19 Payson Ave., Easthampton. Join us for breakfast and educational discussion with keynote speaker Tim Brennan, Pioneer Valley Planning Commission executive director, regarding the regional impact and importance of the North South Rail Project. Register online at www.easthamptonchamber.org or call Denise at (413) 527-9414.
 
GREATER HOLYOKE CHAMBER OF COMMERCE
www.holycham.com
(413) 534-3376
 
• June 19: 125th Anniversary Gala Ball, hosted by the Log Cabin, 500 Easthampton Road, Holyoke. Cocktails at 6 p.m., dinner at 7 p.m. Enjoy an elegant meal and dance to the music of the Floyd Patterson Band. Join Marcotte Ford as one of the major event sponsors by calling (413) 34-3376. Event is open to the public, More details to follow.
 
GREATER NORTHAMPTON CHAMBER OF COMMERCE
www.explorenorthampton.com
(413) 584-1900
 
• June 3: June Arrive @ 5, 5-7 p.m., hosted by Mineral Hills Winery, 592 Sylvester Road, Florence. Sponsored by Keiter Builders. Cost: $10 for members. For more information or to register, contact the chamber at (413) 584-1900.

• June 12: 2015 Workshop: “Using Excel Pivot Tables to Analyze Your Business’ Data,” 9-11 a.m., hosted by Greater Northampton Chamber of Commerce, 99 Pleasant St., Northampton. Presented by Pioneer Training. Pivot tables are Excel’s most powerful tool for data analysis. A pivot table lets you easily separate data by various criteria into rows and columns in order to extract significant information from large, complex data sets. In this workshop, you’ll learn how to create and customize pivot tables using your own data. Participants are encouraged to bring laptops and follow along with the instructor, but this is not required. Admission: $20 for members, $30 for non-members. Pre-registration is required; space is limited. To register, visit [email protected]

• June 26: 2015 Workshop: “Microsoft Excel: Tips, Tricks & Shortcuts in Microsoft Excel,” 9-11 a.m., hosted by Greater Northampton Chamber of Commerce, 99 Pleasant St., Northampton. Presented by Pioneer Training. This workshop will present our favorite tips, tricks, and shortcuts that we have collected and developed over 15 years of teaching and using Microsoft Excel. Participants are encouraged to bring laptops and follow along with the instructor, but this is not required. Admission: $20 for members, $30 for non-members. Pre-registration is required; space is limited. To register, visit [email protected]
 
GREATER WESTFIELD CHAMBER OF COMMERCE
www.westfieldbiz.org
(413) 568-1618
 
• June 1: June Mayor’s Coffee Hour, 8-9 a.m., hosted by Westfield Vocational Technical High School, 33 Smith Ave., Westfield. Free and open to the public. Register by calling (413) 568-1618.

• June 10: June After 5 Connection, 5-7 p.m., hosted by Westfield Bank, 462 College Highway, Southwick. Sponsored by Southwick Tae Kwon Do. Cost: $10 for members, $15 cash for non-members. Refreshments will be served. Bring your business cards and make connections. Register online at www.westfieldbiz.org.

• June 16: Eat & Educate: “Employee-sponsored Retirement and Benefit Programs,” 11:30 a.m. to 1 p.m., hosted by Westfield Bank, 141 Elm St., Westfield. Presented by Shawn Torres, MBA, Westfield Wealth Management and Westfield Bank. Cost: free for chamber members, $30 for non-members. RSVP is required; space is limited. Call Pam at the chamber at (413) 568-1618 to register.  

• June 19: Chamber Breakfast, 7:15 a.m. to 9:00 a.m. Hosted by The Ranch Golf Club, 65 Sunnyside Road, Southwick. Platinum sponsor: Mestek. Golf sponsor: Berkshire Bank. Silver sponsor: First Niagara and Prolamina. Cost: $25 for members, $30 for non-members. Golf special: Registered attendees of the breakfast can golf at a discounted rate of only $65 at the Ranch Golf Club following the breakfast. Call Bill Rosenblum, golf pro, to register at (413) 569-9333, ext. 3. For more information on sponsorships, to register, or to donate a raffle prize, call Pam at the chamber at (413) 568-1618.

• June 22: Social Security Workshop: “Make Social Security Work for You,” 4:30-5:30 p.m., hosted by Holiday Inn Express, 39 Southampton Road, Westfield. Sponsored by Renaissance Advisory Services, LLC. Guest speaker: William Sheehan, district manager (retired), Springfield Social Security Office. Before you retire, ask questions: when should I begin Social Security? Do I plan to keep working? Will all my expenses be covered? What will my beneficiaries receive?  Learn about Social Security strategies that may fit into your overall plan. Cost: free for chamber members, $30 for non-members.
 
NORTHAMPTON AREA YOUNG PROFESSIONAL SOCIETY
www.thenayp.com
(413) 584-1900
 
• June 11: Nonprofit Board Fair, 5 p.m., hosted by Union Station, 125A Pleasant St., Northampton. Nonprofits count on volunteers to lead them to success. Join us for the fifth-annual Nonprofit Board Fair, a signature event featuring organizations from throughout the Pioneer Valley whose leadership will be on hand to speak to about opportunities to serve on their boards of directors. In addition, there will be a cash bar, hors d’oeuvres, and raffle prizes. Sponsors and partners: Florence Bank, the Community Foundation of Western Massachusetts, and WGBY public television. Register online at www.thenayp.com.
 
WEST OF THE RIVER CHAMBER OF COMMERCE
www.ourwrc.com
413-426-3880
 
• June 3: Wicked Wednesday, 5:30-7:30 p.m., hosted By Lattitude, 1338 Memorial Ave., West Springfield. Cost: free for chamber members, $10 at the door for non-members. Event is open to the public. Wicked Wednesdays are monthly social events, hosted by various businesses and restaurants, that bring members and non-members together to network in a laid-back atmosphere. For more information, call the chamber office at (413) 426-3880 or e-mail [email protected].

• June 18: Annual Breakfast Meeting, 7-9 a.m., hosted By Chez Josef, Agawam. Sponsored by OMG, Ormsby Insurance, and Development Associates. Event will kick off with the welcoming of new chairman Chuck Kelly and the incoming WRC board of directors. Cost: $25 for chamber members, $30 for non-members. For more information and for tickets, call the chamber office at (413) 426-3880 or e-mail [email protected].

Departments People on the Move

Elizabeth Cardona

Elizabeth Cardona

Bay Path University announced the appointment of Elizabeth Cardona as executive director for Multicultural Affairs, International Student Life, and assistant to the provost for Diversity and Inclusion. Cardona, the former senior director and civic engagement advisor to then-Gov. Deval Patrick, comes to Bay Path with extensive experience in state government, education, and nonprofit program management. In her position, Cardona will provide institutional leadership to support the needs of first-generation and underrepresented minority students by offering academic assistance, mentoring, coaching, and leadership programs to promote multi-cultural awareness, diversity, and inclusion in accordance to the mission of Bay Path University. In addition, she will work with international students to provide ongoing assistance with social and cross-cultural activities to support their immersion and academic experience. Bilingual in Spanish, Cardona also has a working knowledge of Arabic. “I am thrilled to join Bay Path University’s community to facilitate understanding of multi-culturalism, diversity, equity, and inclusion in an affirming space where students, faculty, staff, and leadership engage collaboratively to enhance academic and social development,” Cardona said. A graduate of the Women’s Pipeline for Change, an initiative that supports women of color as they enter leadership roles and public life, her expertise also includes serving on state Treasurer-elect Deb Goldberg’s transition team, as an advisory board member for the Women’s Fund of Western Massachusetts Leadership Institute for Political and Public Impact, and as a founding board member for the CHICA Project, a Massachusetts statewide Latina youth leadership, mentoring, and coaching program. Cardona holds an MPA and a certificate in conflict resolution from the Maxwell School of Citizenship and Public Affairs at Syracuse University, and a bachelor’s degree in American studies with a concentration in social issues from Springfield College.
•••••
Dress for Success Western Massachusetts announced that Dawn Creighton, Western Mass. regional director for the Associated Industries of Massachusetts, has been named board president. Dress for Success is a not-for-profit organization promoting the economic independence of disadvantaged women by providing professional attire, a network of support, and the career-development tools to help women thrive in work and in life. “As president of Dress for Success, strengthening our community with strong women will be my priority,” said Creighton. “Dress for Success isn’t just about the suit. It’s about the women that fill the suits. I am eager to work with partnering agencies and community leaders to ensure the women of Pioneer Valley have the tools they need to be successful in the workforce.” In addition to her role with AIM, Creighton serves on multiple committees and boards, including the Human Resource Management Assoc. of Western New England, Junior Achievement of Western Massachusetts, Internhere.com, the Hartford-Springfield Economic Partnership, United Way of Pioneer Valley, the Affiliated Chambers of Commerce of Greater Springfield, and the World Affairs Council. Also named to the board are Jennifer Brown, Jonencia Wood, and Natallia Furjan-Collins. Brown has more than 16 years of experience within the staffing industry and currently is assistant vice president of operations for United Personnel, supervising candidate recruitment, client relations, staffing support, and quality assurance. Prior to joining United Personnel, she was the managing director at Staffing Now. She is a member of the Human Resource Management Assoc. and the human resource roundtable with the Employers Assoc. of the NorthEast. Wood is senior director of programs for the alumnae association of Mount Holyoke College and has more than 10 years of experience focusing on the professional development and advancement of underrepresented individuals. Prior to joining Mount Holyoke, she served as a diversity specialist for Baystate Health and community action and communications coordinator for the Youth Empowerment Adolescent Health Network. Furjan-Collins is the human resources leader for MassLive. She brings with her an innovative and modern approach to employee relations in the digital environment. Prior to joining MassLive, her career spanned several years in human-resource management in her native Canada, including speaking publicly on topics such as workplace harassment and bullying. She is currently a community business partner in the sophomore business cohort program at Western New England University.
•••••
Dodie Carpentier

Dodie Carpentier

Monson Savings Bank (MSB) announced the promotion of Dodie Carpentier to assistant vice president of Human Resources. Carpentier joined MSB in 2006 as assistant branch manager and was promoted to branch manager in 2008. In 2012, she assumed a dual role as branch manager and education coordinator. With her growing interest in training and HR, she obtained certification in Supervision in Banking and Human Resources Management from the Center for Financial Training. In 2014, she was named human resources officer after an extensive search to replace her predecessor, who had retired. “There is nothing more important than our employee culture,” said Steve Lowell, president of Monson Savings Bank. “We work very hard to make sure our folks are knowledgeable and caring and that we work together as a team to make our customers’ lives easier and improve their financial future. Having a dedicated and strong leader in HR is an absolute must, and I’m very pleased to promote Dodie to assistant vice president.” Carpentier is a board member of River East School to Career and serves on the steering committee for Rays of Hope.
•••••
Calvin Hill

Calvin Hill

Calvin Hill has been named vice president for Inclusion and Community Engagement at Springfield College, following a national search. With more than 20 years of experience as a faculty member in higher education, Hill most recently served as the university diversity and inclusion officer for the University of St. Thomas in St. Paul, Minn. Previously, he developed strong ties to higher education in Massachusetts working as assistant to the president and director of the Office of Diversity, Inclusion, and Equal Opportunity at Worcester State University; serving as associate provost and chief diversity officer for MGH Institute of Health Professions in Boston; and prospering as assistant dean and director of diversity programs at Worcester Polytechnic Institute. Hill’s experience has included a commitment to providing equal access to educational opportunities for underrepresented populations, and to lead institutional compliance efforts around the ADA, Title VI, Title VII, VOWA, the Campus SaVE Act, and Title IX. “I am pleased to announce that Calvin will be joining the leadership team at Springfield College,” said Springfield College President Mary-Beth Cooper. “Springfield College recognizes that a diverse and inclusive campus community where different perspectives are recognized and celebrated is an integral part of educating students in the 21st century. In addition, we are proud of our collaborative partnerships with many community organizations, and we are committed to being a strong advocate for greater Springfield. Calvin’s experience in both academic and professional settings will enhance the college’s goals and vision in these areas moving forward.” Reporting directly to the president, Hill will work closely with a broad range of students, faculty, staff, and community constitutes to develop Springfield College as a model for diversity and inclusion in higher education. Striving to connect the college’s intellectual and cultural resources to area communities, his leadership will support the recruitment and retention of a diverse student population. In addition, he will monitor, document, and facilitate the college’s integrated governmental and community relations and serve as a liaison to local, state, and federal government agencies. “I am thrilled to join the Springfield College community in the position of vice president for inclusion and community engagement,” said Hill. “From what I have seen and heard, Springfield College is a special place, and I look forward to working with its dedicated faculty, staff, students, and community partners to not only shape, but to also gain a better understanding of the world around us.” Hill has a doctor of philosophy degree in political science from Howard University, a master’s degree in student personnel administration from Emporia State University, and a bachelor’s degree in history and political science from Bethany College.
•••••
Local law firm Shatz, Schwartz and Fentin, P.C. recently announced that attorneys Michele Feinstein, L. Alexandra Hogan, Carol Cioe Klyman, and Ann Weber have been selected to the Super Lawyers Top Women Attorneys in Massachusetts list. Klyman and Weber have also been selected to the 2014 Top 50 Women list. Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The selection process includes independent research, peer nominations, and peer evaluations. Super Lawyers magazine features the list and profiles of selected attorneys and is distributed to attorneys in the state or region and the ABA-accredited law school libraries. Super Lawyers is also published as a special section in leading city and regional magazines across the country, including the April 2015 edition of Boston magazine. “Beginning your search for legal counsel is no small feat; knowing where to start, researching attorneys, and finally selecting one you feel comfortable with can be overwhelming tasks,” said Super Lawyers Director of Research Julie Gleason. “All of the women lawyers in this special section have been named to a 2014 Massachusetts Super Lawyers or Rising Stars list. In creating our lists, Super Lawyers performs the type of due diligence that a highly motivated and informed consumer would undertake if he or she had the time, energy, and resources.”
•••••
Zachary Piper

Zachary Piper

Northeast IT Systems Inc. announced the hiring of Zachary Piper as a desktop specialist. Piper has a degree in computer engineering technology from Manchester Community College, where he served as head technician for the college’s volunteer Computer Repair and Share Club. In 2011, he constructed a computer lab for a Boy Scout camp in Connecticut, where he had served as a camp counselor. “The IT field brings unique challenges every day, and I find them to be intriguing. From a very young age, computers have fascinated me. I was able to build my first PC at age 11,” said Piper, adding that his favorite aspects of his job are helping customers, solving strange problems, and learning new things. “It has been great having Zac as a part of our team,” said owner Joel Mollison. “He works hard, and I can always count on him to help with any problem a customer faces.”

Agenda Departments

Civic ‘Hackathon’
June 6-7: As part of the National Day of Civic Hacking, more than 100 people with a variety of computer-technology skills are expected to participate in the Hack for Western Mass. (H4WMA) being held at the UMass Center at Springfield. This ‘hackathon’ will connect these ‘techies’ with more than a dozen nonprofit organizations from throughout the Pioneer Valley to create web­based solutions to help them have greater impact on their communities. Participants are being actively sought; the website www.hackforwesternmass.org is available for information, registration, and sponsorship opportunities. “Civic hackers are a generous breed,” said H4WMA co­organizer Steven Brewer, director of the Biology Computer Resource Center at UMass Amherst, noting that the hackthon is entering its third year. “The first was held at UMass Amherst in 2013. Last year’s was held in Holyoke. This year, we wanted it in Springfield.” A hackathon is a gathering of people — many with computer-technology skills but also project managers, scribes, presentation preparers, designers, and social-media mavens — who come together to code collaboratively in a short period of time, usually a weekend, to create IT­based solutions to local problems. More than three dozen local nonprofits have benefited or will benefit from this annual day of local civic hacking. “It’s a great opportunity to apply local talent to local challenges,” said Bram Moreinis, another H4WMA co­organizer, who ran Tech Scouts in Greenfield last summer. The organizers, who also include Elyssa Serrilli, a lead mentor for the Full Moon Girls program of the Vermont Wilderness School, and Cristos Lianides­Chin, a FileMaker developer at inRESONANCE in Northampton, have been meeting for months to get ready for this weekend. “It takes a lot of planning to pull this together — recruit project managers, nonprofits, sponsors, and participants; do all the outreach; and set up all the technology” noted Serrilli. Added Lianides-Chin, “there are many details to keep track of and people to engage to bring it to fruition. We’ve been meeting weekly in person and almost daily online for months. Online collaboration tools have come a long way.” Participating nonprofits include United Way of Pioneer Valley, Square One, Suit Up Springfield, Springfield Parking Authority, Gardening the Community, DIAL/SELF, Lyme Disease Resource Center, LightHouse Personalized Education for Teens, Permaculture Practitioners in the Northeast, Smith College, Full Moon Girls, and Pioneer Valley Local First. “This hackathon is such a novel way of helping our regional nonprofit organizations,” said LaTonia Naylor, manager of community impact at United Way of Pioneer Valley. “We’re thrilled on two levels. We’ve submitted a challenge that will help us with engaging the volunteers that give their time to many area nonprofits, and many area nonprofits will benefit from the solutions that emerge.” The organizers also want to engage youth in information technology and offer a youth hackathon running in parallel to the main event. Sponsors of the event to date include UMass Amherst’s Center for Public Policy and Administration, Atalasoft, Communicate Health, App­o­Mat, FIT Solutions, Last Call Media, Mad POW, inRESONANCE, AmherstMedia.org, the UMass Center at Springfield, and the Springfield Parking Authority. For more information and to register or sponsor, visit hackforwesternmass.org or contact Cristos Lianides­Chin at [email protected].

Breakfast Series on IT Security
June 11: You have heard the stories about Target, Home Depot and Sony, but could something like that really happen to a small business in Western Mass.? What are the biggest threats facing a small business when it comes to IT security? Spoiler alert: it isn’t what you think. Join Paragus Strategic IT as it kicks off its new breakfast series by taking a look at these questions and eating some great food. Presenters will review what’s happening locally, regionally, nationally, and globally when it comes to IT security, and share valuable tips that can help prevent your business from becoming the victim of a cyberattack. The event is scheduled for 8 to 9:30 a.m. at Paragus Strategic IT, 112 Russell St., Hadley. To register, visit www.eventbrite.com/e/paragus-breakfast-series-tickets-16867459024.

Workshop on Retirement Planning, Social Security
June 16:
Monson Savings Bank is holding a complimentary workshop titled “Social Security: The Choice of a Lifetime.” It will be presented by Kevin Flynn, regional vice president of Nationwide Financial, and an expert on retirement planning and helping people to understand Social Security and how to optimize their benefits. The event is designed to give people a comprehensive understanding of the rules and details regarding when and how to file for Social Security. It will be held from 5 to 6:30 p.m. at the Hampden Senior Center at 104 Allen St. in Hampden. The free event is open to the public. “This workshop is back by popular demand,” said Steven Lowell, president of Monson Savings Bank. “Knowing when and how to file for Social Security can have a big impact on retirement income. We have offered this workshop before, and those who attended were very appreciative of the information.” Those interested in attending should call Anna Driscoll at (413) 267-1221 or e-mail [email protected]. Seating is limited. Refreshments will be served.

40 Under Forty
June 18: The ninth annual 40 Under Forty award program, staged by BusinessWest, will be held at the Log Cabin Banquet & Meeting House the evening of June 18. The event honors the region’s most accomplished and civic-minded professionals under age 40, and this year’s class was profiled in the April 20 issue. This year’s winners represent virtually every sector of the economy — from financial services to manufacturing; retail to healthcare; technology to nonprofit management; education to law. They also show the seemingly innumerable ways people can give back to the community. This year’s event will feature a new award — the Continued Excellence Award, presented to the previous honoree who has most impressively built upon their track record of excellence. Always one of the most anticipated events and best networking opportunities on the calendar, the gala will feature lavish food stations, entertainment, and the introduction of this year’s class. Tickets cost $65 each, with standing-room-only tickets still available. Tickets can be ordered by calling (413) 781-8600, ext. 100, or by visiting HERE. The 40 Under Forty program and gala are sponsored this year by Northwestern Mutual (presenting sponsor), Paragus Strategic IT (presenting sponsor), Fathers & Sons, the Isenberg School of Management at UMass Amherst, Moriarty & Primack, and United Bank.

Berkshire Region MITS Summer Institute
July 6-10: Berkshire Museum will host the Berkshire Region Museum Institute for Teaching Science (MITS) summer session for middle- and high-school teachers. This year’s theme is “Going with the Flow: Using Inquiry Methods to Teach Watershed Science.” The Berkshire Museum is the lead educational partner for MITS in the Berkshires. The program is presented with instructing partners Housatonic Valley Assoc., Flying Cloud Institute, and American Rivers. This exciting professional-development program will focus on the ecology and history of local rivers and watersheds. Participants will learn from experts about what is affecting water quality in the rivers that flow through area communities and how scientists effectively measure watershed health using principles of ecology, engineering, and robotics. The week-long institute includes outside exploration of local rivers and time indoors at the museum for hands-on, inquiry-based projects. Institute participants will build and use a SeaPerch underwater remotely operated vehicle (ROV) and then take it back to their classrooms. The SeaPerch ROV is used to take videos of underwater ecosystems and collect water samples. SeaPerch curriculum serves as an introduction to basics in engineering, ship and submarine design, and an exploration of ways that engineers have been able to explore places that are too dangerous or unreachable for humans to visit. The educators will explore a variety of methods to test water quality. They also will build miniature urban landscapes to prototype methods for remediating runoff in an exploration of low-impact-development solutions to non-point source pollution. Participants will learn from experts about the science and politics of dam removal that have been affecting New England rivers, and they will hear the story of PCB pollution and removal in the Housatonic River watershed and examine issues surrounding urban and agricultural runoff into rivers and aquifers. Throughout the course, participating educators will try out, develop, and implement inquiry-based approaches and project ideas for use in the classroom that amplify the concepts covered in the course and that will encourage students to become critical, inquisitive thinkers. Throughout the institute, the educators will be working with proven methods of assessing student learning. Educators who complete the institute earn professional development points and/or graduate credits from either Massachusetts College of Liberal Arts or Cambridge College, based on a teacher’s chosen level of participation. All activities will be linked to Massachusetts Common Core state standards and STEM (science, technology, engineering, math) initiatives. All teachers from grades 5 to 12 are welcome to attend. Online registration for the institute is available at www.mits.org. There will be an orientation on June 20 before the July 6-10 session. The deadline to guarantee a spot is June 1; late sign-ups will be accepted based on space availability. The registration fee, which includes the cost of the SeaPerch kit, is $400 for individual participants and $375 for two or more participants from same school district. Meghan Bone, Berkshire Museum’s School and Teacher Program specialist, can answer questions about the program; she can be reached at (413) 443-7171, ext. 332, or [email protected].

Western Mass. Business Expo
Nov. 4: Comcast Business will present the fifth annual Western Mass. Business Expo at the MassMutual Center in downtown Springfield, produced by BusinessWest and the Healthcare News in partnership with Go Graphix and Rider Productions. The business-to-business show will feature more than 100 booths, seminars and Show Floor Theater presentations, breakfast and lunch programs, and a day-capping Expo Social. Details about specific events, programs, and featured speakers will be printed in future issues of BusinessWest. Current sponsors include MGM Springfield, Expo Social sponsor; the Isenberg School of Business at UMass Amherst, education sponsor; Johnson & Hill, silver sponsor; DIF Design, director level sponsor; and 94.7 WMAS, media sponsor. Additional sponsorship opportunities are available. Exhibitor spaces are also available; booth prices start at $750. For more information on sponsorships or booth purchase, 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.

HAMPDEN SUPERIOR COURT
Bill Miller Bar-B-Q Enterprises, LTD v. Package Machinery Co. Inc.
Allegation: Monies due on previous foreign judgment: $778,145.64
Filed: 3/23/15

HAMPSHIRE SUPERIOR COURT
Thomas A. Pascucci v. Ryder Funeral Home Inc. and William Ryder
Allegation: Unpaid wages and out-of-pocket expenses: $61,548.58
Filed: 3/6/15

Wayne and Pamela Hayes v. Bennett Burns, M.D., Timothy Rice, P.A., and New England Orthopedic Surgeons Inc.
Allegation: Delayed diagnosis resulting in a more extensive surgery: $25,000+
Filed: 4/3/15

HOLYOKE DISTRICT COURT
Maria Gonzalez v. Atlas Property Management Inc.
Allegation: Negligence in ownership of dog resulting in dog bite: $1,308.79
Filed: 4/22/15

NORTHAMPTON DISTRICT COURT
People’s United Bank v. Northampton Beadery, LLC and Heather Black
Allegation: Default on commercial loan and breach of contract: $9,946.11
Filed: 3/13/15

Roslyn Rochester v. Wal-Mart Stores Inc.
Allegation: Negligent maintenance of business property causing trip and fall: $2,000+
Filed: 2/12/15

SPRINGFIELD DISTRICT COURT
Joel Bousquet and Eric Bousquet d/b/a J & E Roof Systems v. Craig McCarthy d/b/a Quality Renovations
Allegation: Monies due on previous judgment: $7,248.23
Filed: 4/29/15

Monnay Miller, as parent and next friend of Jada Miller v. Eastfield Fashion Inc. and NLC Insurance Co.
Allegation: Negligent maintenance of business premises causing trip and fall: $16,882.60
Filed: 4/13/15

Daily News

SPRINGFIELD — On Monday, city and federal officials toured areas of Springfield damaged by the June 1, 2011 tornado and described rebuilding and revitalization efforts in the four years since as a testament to teamwork and perseverance.

“They have been very successful and they should be commended for it,” said Robert Shumeyko, Community Planning and Development director of the New England Office of the U.S. Department of Housing and Urban Development, according to the Republican. Meanwhile, U.S. Rep. Richard Neal called the tornado response the “best moment” of Mayor Domenic Sarno’s administration.

The tornado carved a 6.2-mile path of destruction through Springfield, which received $40 million in federal disaster aid to assist with rebuilding efforts.

Daily News

HOLYOKE — Stephen Zrike was chosen by Commissioner of Elementary and Secondary Education Mitchell Chester as district receiver for Holyoke Public Schools, a position with the power of both a superintendent and a school committee.

“Stephen Zrike’s work in Boston and Chicago shows his dedication to urban students and his understanding of how to improve schools,” Chester said Monday, according to the Republican.

Zrike has worked in two Boston schools, William H. Ohrenberger School and William Blackstone Elementary School. In two years as the principal of Ohrenberger, he worked to increase student achievement scores in English and Math. The following year, as principal of William Blackstone Elementary School, he facilitated turnaround efforts under the Boston superintendent. He is currently superintendent of Wakefield Public Schools, and will begin as receiver for Holyoke Public Schools on July 6.

Daily News

BOSTON — The Associated Industries of Massachusetts (AIM) Business Confidence Index fell 1.8 points in May to 57.3, its second consecutive monthly decline after reaching a 10-year high in March.

“We’re up 2.5 points from last May, but coming off an upward surge from August through March, business confidence seems to have lost momentum,” said Raymond Torto, Chair of AIM’s Board of Economic Advisors (BEA) and lecturer at Harvard Graduate School of Design. “The index performed well during the first quarter of this year, when the national economy barely grew, but now it is weakening even as growth appears to be picking up.”

Torto noted that economists’ forecasts for expansion in 2015 have moderated. “Our survey does reflect lower expectations for the six months ahead. We also see lagging confidence among manufacturers, whose exports are hurt by the strong dollar, and among mid-size companies.”

AIM’s Business Confidence Index has been issued monthly since July 1991 under the oversight of the Board of Economic Advisors. Presented on a 100-point scale on which 50 is neutral, the index attained a historical high of 68.5 in 1997 and 1998; its all-time low was 33.3 in February 2009.

The sub-indices based on selected questions or respondent characteristics almost all declined from April to May, though all were up from a year before. The U.S. Index assessing national business conditions lost 3.7 points to 50.1, and Massachusetts Index of conditions within the Commonwealth was off 2.7 at 55.9.

“It is now six full years that the state indicator has led its national counterpart,” said BEA member Katherine Kiel, professor of Economics at the College of the Holy Cross. “Our state’s favorable industry mix and skilled workforce have enabled it to perform relatively well economically during a period of recovery and slow growth.”

The Current Index, tracking employers’ assessment of existing business conditions, was down 0.9 to 57.4 points, while the Future Index, measuring expectations for the next six months, lost 2.8 points to 57.1. “These results indicate that Massachusetts employers do not foresee better business conditions over the period ahead,” Kiel said. “The readings are solidly positive, but expectations for marked improvement have faded.”

Two of the three sub-indices related to survey respondents’ own companies lost ground in May: the Company Index, which assesses the situations of their own operations, was off 0.8 to 60.2 points, and the Sales Index dropped 1.7 points to 60.0. The Employment Index, meanwhile, added 0.7 to 58.0 points, “its highest reading since September 2005,” noted Michael Goodman, executive director of the Public Policy Center at UMass Dartmouth. “Employment expectations for the next six months are particularly strong, as 37% of responding employers plan to add staff, while 14% expect reductions. This compares favorably to a 23%-12% split for the past six months.”

Building Permits Departments

The following building permits were issued during the month of May 2015.

AMHERST

Donald Laverdiere
451 West St.
$127,000 — Install 136 solar panels

W D Cowls Inc.
113 Cowls Road
$690,000 — Renovate existing barn into new Atkins Market

CHICOPEE

Chapin School Veterans Housing, LLC
40 Meadow St.
$5,661,000 — School renovation to convert to 43 housing units

John Lemon
583 James St.
$15,000 — Interior remodel in Walgreens

Majid Nizam Din
2041 Memorial Dr.
$52,500 — Renovate existing service station and convert to convenience store

Reesg Properties, LLC
1610 Memorial Dr.
$377,000 — Remodel existing space for auto sales

Valley Opportunity Council
54-56 Mt. Carmel Ave.
$27,000 — Interior remodel of first and second floors

EASTHAMPTON

Ashton Acquisitions
329 Main St.
$12,000 — Exterior repairs

City of Easthampton
43 Main St.
$275,000 — Interior renovation of Old Town Hall

James R. Witmer, II
142 Pleasant St.
$5,000 — Install two walls

Laura Penny
70-72 Maple St.
$5,000 — Replace entry door

LUDLOW

Oscars Pizza
973 East St.
$5,000 — New fire-suppression system

NORTHAMPTON

Maura Glennon
17 Main St.
$70,000 — Renovations for bakery/café

Smith College
26 Bedford Terrace
$99,000 — Install 32 replacement windows and interior doors

Smith College
44 College Lane
$164,000 — Construct observatory on rooftop

Smith College
22 Elm St.
$131,000 — Interior renovations to art gallery and art department

Smith College
29 Elm St.
$386,000 — Install replacement windows and masonry repointing

SPRINGFIELD

3640 Main Street, LLP
3640 Main St.
$180,000 — Second-floor office renovation for Retina Associates

Electric Term, Inc.
50 Warehouse St.
$309,000 — Construct a 7,700-square-foot pre-engineered addition

RockTenn
320 Parker St.
$14,000 — Construct new office in manufacturing area

Silver Brick Group
15 Taylor St.
$65,000 — Re-configure offices to new design

SIS Center LLC
1441 Main St.
$8,000 — Interior renovation

SIS Center LLC
1441 Main St.
$65,500 — Tenant fit out

Springfield Partners
721 State St.
$49,000 — Interior renovation

Texas Roadhouse
380 Cooley St.
$133,000 — New roof

United Personnel
1550 Main St.
$13,500 — Minor alteration to first floor

WEST SPRINGFIELD

Dress Barn
935 Riverdale St.
$432,000 — Interior fit out

Longhorn Steakhouse
1105 Riverdale St.
$36,500 — New roof

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]

Breakfast Is Served

Pic This June 1, 2015 APic This June 1, 2015 BPic This June 1, 2015 CPic This June 1, 2015 DThe Spirit of Springfield recently presented its World’s Largest Pancake Breakfast in downtown Springfield, marking the event’s 25th anniversary. Pictured top to bottom: Attendees wait for their pancakes on Main Street. From left, MGM Springfield President Mike Mathis, the event’s honorary chairman; Springfield Mayor Domenic Sarno; Kelley Tucky, MGM Resorts vice president of Community and Public Affairs, Eastern Region; and businessman Paul Picknelly. Spirit of Springfield President Judy Matt and Springfield Police Sgt. John Delaney (third and fourth from left) with Sarno, Mathis, and members of the Springfield Police K9 Unit. Bottom left: from left, John Sjoberg, president of New England Business Machine Co.; state Sen. Eric Lesser; and Jane Albert, vice president of Development for Baystate Health.

Woman of the Year

Womens Chamber PicThis AWomens Chamber PicThis B

The Professional Women’s Chamber (PWC) recently named Anne Paradis, CEO of MicroTek Inc. in Chicopee, as its 2015 Woman of the Year. The award, given annually since 1954, is presented to a woman in the Western Mass. area who exemplifies outstanding leadership, professional accomplishment, and service to the community. A celebration in Paradis’s honor, co-sponsored by BusinessWest, was held recently at Storrowton Tavern in West Springfield. Top: from left, Paradis receives honorary gifts from PWC board members Laurie Cassidy and Nancy Mirkin. Bottom: Paradis (top) celebrates with a group of MicroTek employees. The company provides custom cable and wire configurations, control panels, and enclosures for customers in the medical equipment, scientific test and instrumentation, life sciences, industrial, and retail industries. Since taking the reins in 1987, Paradis has guided Microtek to 15% annual growth, on average, as well expanding the company’s product lines and client base and creating more than 80 jobs.

Noble Cause

PicThisNoble

The 31st annual Noble Hospital 5K Run & Walk for a Noble Cause was held last month at Stanley Park. More than 600 participants walked and ran the 5K route through Stanley Park and the surrounding area. Individuals, teams, wheelchair racers, and school groups participated. Teams included students from Westfield Elementary Schools, Westfield State University, local foundations and nonprofits, businesses, and families and friends. The top male finisher in the 5k run was Robbie Crossman (15:46), while the top female time was posted by Annie Paredes (19:13).

Business Management Sections
Does Running Your Business Out of Your Home Actually Work?

By STEVE WHITE

Working out of your house seems like the perfect scenario for anyone who wants to start their own business, unless you want to repair cars and find the prospect of having a Chevy Malibu parked in your living room problematic.

But for a one-person show — especially if the job is driven mostly by sitting in front of a computer to ply your trade — the idea of not paying rent for an office, avoiding bumper-to-bumper traffic, and staying in your warm and fuzzy pajamas is most compelling.

When Baby Boomers started getting laid off from their jobs during the recent economic downturn, many of those 55-plus folks suddenly realized they had a big house because the kids had moved on to greener pastures. There now existed wide-open spaces to set up a home-based business. All they needed was an upgrade in their computer software, a shopping cart full of supplies from OfficeMax, and new business cards.

But they also soon found some items they didn’t need, like a well-stocked refrigerator in close proximity, a 55-inch HDTV and comfy couch in the next room, and a dog that must surely have some kind of bladder problem since it always needs to go for a walk.

These entrepreneurs also discovered something was missing in their business lives — people. We’re talking about the need for real-life, face-to-face interaction and the ability to bounce ideas off someone to get opinions, feedback, and even constructive criticism. Creativity doesn’t happen in a vacuum, and it certainly doesn’t happen via e-mails, texting, Facebook, and Skyping. (OK, Skyping is close, but the camera never seems to be positioned correctly, and the people you are talking to always seem to be looking at something over your left shoulder.)

But all that being said, maybe a home-based business is just the way it has to be for budgetary reasons, and you are content to brainstorm with others face-to-face over a turkey sandwich at Panera’s. If so, here are some tips to help make working at home work:

Get out of bed. It’s great that you now don’t have to leave your house in the early-morning darkness to avoid being stuck in traffic for an hour on Route 3, but that doesn’t mean you can sleep until 10 a.m. on a workday. Try to make sure you’re on your computer no later than 9 a.m.
Dress for success. Sure, no one is going to see your footie pajamas, but working in your PJs isn’t a good mindset. Dress like you are at work, and you will feel like you are actually at work, not at a sleepover.
The couch is your enemy. Designate a room in your house as your office so that you’re free from distractions. Do not sit on the couch watching TV while juggling a computer on your lap. Unless Ellen DeGeneres and the Kardashians are your clients, you don’t need to be hanging out with them while you are at work.
Eliminate distractions. Every day shouldn’t be ‘bring your kids and pets to work day.’ If your children are school age, use that window of solitude wisely. If they are preschoolers, find a reliable day-care service … and one also for Fido.
• Communicate with your team. Keep in touch with colleagues, clients, and prospects via the usual channels, like e-mail and phone. That is, when you can’t make it to Panera’s.


Steve White is the owner of Steve White Public Relations in Norwell, Mass; www.swhitepr.com.

Opinion
Summer Jobs Are Economic Development

The calendar has turned to June. That means thousands of college students who call Western Mass. home are now back in this region for more than three months. And it means that, in just a few weeks, several thousand high-school students will have completed their studies for the year, and most of them will be looking for something to do.

Therefore, June is also a time for area employers large and small to step up and try to create opportunities for some of these young people in the form of summer jobs. Doing so will not just put a few dollars in someone’s pocket, it will also be part of a critical economic-development strategic initiative.

Indeed, as we acknowledged a few weeks ago when the Pioneer Valley Planning Commission released a 20-year update of its Plan for Progress, the creation of a large, qualified workforce is certainly this region’s biggest challenge moving forward as it seeks to grow, diversify its economy, and replace the retiring Baby Boom generation.

There are many facets to this assignment, and many of them are related to this notion of creating summer jobs, or opportunities for young people. When companies do that, they not only help the individuals in question, but they also help themselves, and the region.

By giving a young person a job, an employer is introducing a young person to the world of work — in many cases, for the first time. And as we’ve said on many occasions, that first job is a tremendous learning experience on many levels. It provides lessons in a particular skill or vocation, but it also provides important life lessons involving everything from punctuality to teamwork.

Providing young people with jobs also introduces those individuals to the companies in this region and the career opportunities they provide. And such exposure might one day compel someone to stay in the 413 area code rather than feel they have to leave it to find success and happiness. What’s more, today’s young people can bring energy and a different perspective to a company — concerning everything from their products to the use of social media to promote them — something many businesses need.

There are other practical reasons for creating a summer job. Such positions build confidence, they give people a sense of self-worth, and, in many cases, they can help keep individuals off the street and out of trouble.

Yes, there are many reasons why companies should create a summer job or internship — or several of each. And as the economy continues to improve, more businesses should be in a position to add to their payrolls for at least a few months.

We hope businesses will seize what would have to be called an opportunity on many levels. An opportunity for young people to learn and gain respect for the workplace and the rules that govern it, an opportunity for the hiring companies to take advantage of young talent, and an opportunity for the region to achieve some much-needed progress in its assignment to build a large, competent workforce.

It’s June. Time to think about summer and beaches, family vacations and long, hot days. It’s also time to create some all-important summer jobs.

Opinion
Bold Steps Needed to Curb Opioid Abuse


By DENNIS M. DIMITRI, M.D.

An epidemic of opioid use and the associated overdose deaths has been slowly building across the nation and Massachusetts for the last decade, and has now reached a crisis point. It is affecting nearly every city and town in the Commonwealth. In some communities, the crisis is unprecedented.

State officials estimate that more than 1,000 Massachusetts residents died of opioid overdoses last year — 33% percent more than in 2012, and nearly three times more than in 2000. A Harvard School of Public Health survey found that nearly four in 10 state residents personally know someone who has abused prescription pain medications.

While the total numbers may be startling, we should also remember that each individual overdose death has a human face. Each tragedy has changed a family forever. It has to stop, and the time for action is now. Physicians must step forward immediately to do everything we can to help bring this devastating problem under control. How can we do this? It starts with education.

According to the Centers for Disease Control and Prevention, more than 80% of people who misuse prescription pain medications are using drugs prescribed to someone else. These drugs are most often obtained from a friend or relative — for free, purchased, or stolen. This tells me that there are too many doses of opioid medications in circulation. By limiting this supply and ensuring that opioids are available only to patients who truly need them, we can make a big impact on the Commonwealth’s opioid crisis.

That is why the Mass. Medical Society is launching a comprehensive campaign to educate prescribers and the public about the safe and responsible prescribing and handling of these medications. The campaign has three components: guidelines to help physicians make the right decisions for their patients, free education resources for prescribers to help inform their judgments, and storage and disposal information for patients and their families.

• Prescribing guidelines
. The guidelines not designed to micromanage care, but to provide guidance and information based on evidence that will improve the care of patients and lessen the risks associated with opioid prescribing. At the same time, we recognize that each patient is different, and, in all cases, a prescriber’s sound clinical judgment is important. However, we also believe that several principles should govern the exercise of this clinical judgment.

First, physicians and patients should discuss family and personal histories of substance-abuse disorders and behavioral-health concerns, before any prescription is written. Second, patients and physicians are encouraged to mutually develop agreements that outline the expectations and goals of the treatment, along with the conditions for continuing opioid therapy for chronic pain after initial treatment. Finally, there are exceptions for hospitalized patients, those in hospice and palliative care, and for those being treated for cancer. These patients have special circumstances that do not yield readily to hard and fast rules. Their care must be based upon long-held medical principles of relief of suffering.

We’re offering these guidelines with the hope that they will be adopted by physician practices throughout the state. We are also sharing them with the state Board of Registration in Medicine, in the event that the board will consider incorporating them into its prescribing guidelines for physicians.

• Prescriber education. The Mass. Medical Society has long been a leader in providing continuing medical education to physicians and other clinicians about pain management. We will now make these pain-management courses available to all prescribers, for free, until further notice. This includes not only our current suite of courses, but those currently in the pipeline that are due to be released in the coming weeks and months.

• Public education. An effective first step to reduce non-medical opioid use is through education. Therefore, in an effort to curb the supply of prescription opioids in the community, we are partnering with the Partnership for Drug Free Kids and its Medicine Abuse Project to broadly disseminate information about the safe storage and proper disposal of opioid medications.

Most people are probably unaware that their medicine cabinets are attractive targets for those who would misuse opioids, and that they could be an unwitting supplier. Our education program will provide guidance on how to safely store and secure medications, and how to get rid of them when they are no longer needed.

There is no more important public health issue today than the opioid epidemic. It is devastating communities, families, men, women, rich, poor, and, most tragically, children and adolescents. It has to stop — and we are ready to do our part.

Dr. Dennis M. Dimitri is president of the Mass. Medical Society.

Community Spotlight Features
Three Rivers Looks to Get on the Right TRACK

Dave Golden was proudly showing off artwork created by Palmer public-school students in a room in the North Brookfield Savings Bank in Three Rivers.

The exhibit has been on display only several weeks, but it has already sparked interest, and other artists have approached Golden, the branch manager, to ask if they could exhibit their own work there. He says the art show is part of a collaborative effort to transform Three Rivers into a thriving center for the arts.

“I’ve partnered with organizations that are working together to bring arts to the village; we want to beautify Main Street and fill empty commercial spaces,” Golden said, adding that he is talking with a property owner about having a mural painted on a wall across the street from the bank.

Members of On the Right TRACK

Members of On the Right TRACK say the popularity of the Palmer Historical Cultural Center indicates that a creative-arts economy could help revitalize Three Rivers.

There are myriad examples of this movement and the momentum it is creating, including Palmer Historical and Cultural Center Inc., or PHCC, which stages performances in Harmony Hall that include concerts by international and national musicians; plays by local theater groups; lectures; and a variety of workshops.

Collectively, they show the potential of the creative arts as a revitalization tool. The PHCC, for example, is just a few steps from the bank and a number of vacant storefronts that could be made available to artists on the half-mile stretch of Main Street.

But a lot more will be needed to realize the vision, and the timing is critical.

“Main Street has fallen victim to the economic downturn, and modern shopping habits have made it difficult for small businesses in the village to survive,” said Alice Davey, director of Palmer’s Community Development Department. “We realize that if action is not taken immediately to reverse this trend, the commercial area of Three Rivers will be lost forever.”

Town Manager Charlie Blanchard concurs. “Three Rivers was once a thriving community, but that has changed over the years,” he said, explaining that the village came into existence when manufacturing plants were built on the riverbanks in the 1800s and early 1900s. 

These facilities led to the establishment of a bustling economy, and Main Street businesses cropped up and flourished around the factories until they began to downsize and eventually close. They included the Otis Factory building that was built in 1872 and operated until 1936, and the massive Tambrands plant that was built in 1872 and closed in 1997.

“But until that time, hundreds of employees went to local restaurants for lunch and shopped at the hardware store, grocery store, furniture store, and clothing store,” said Davey. “They patronized the local bank and had their hair done at the local barbershop or hairdresser.”

That ended when Tambrands left the area. “The customer base shrank, and slowly, one by one, businesses closed,” Davey told BusinessWest, adding that people began frequenting big-box stores and using the Internet to shop.

Today, the former Tambrands factory has become the Palmer Technology Center, and although it houses about 20 small businesses, Davey said they don’t come close to employing the hundreds of residents who once worked in the building.

In addition, 41% of the existing storefronts on Main Street are vacant, and the businesses that remain are struggling. “Some Main Street building owners are finding it impossible to find commercial tenants, so they have resorted to converting spaces into residential units in order to have sufficient income to cover their expenses,” she told BusinessWest, adding that fewer people go downtown, and last October, an anchor restaurant closed, due in part to its customers’ concerns for personal safety after dark caused by poor lighting in the area.

But officials hope that is about to change via a consortium called On the Right TRACK (the acronym stands for Three Rivers Arts Community Knowledge). Partners include the bank, Palmer officials, the PHCC, the Three Rivers Chamber of Commerce, the Palmer Redevelopment Authority, and the Quaboag Valley Community Development Corp.

Individual Efforts

These organizations had known for a long time that something was needed to revitalize Three Rivers, and efforts to that end began in earnest when the Quaboag Valley Community Development Corp., a nonprofit that assists businesses with training and other resources, held a number of public hearings to get input from residents as to whether they believed building upon the cultural and creative economy would attract visitors.

“There is a long history of pride in the cultural resources of Three Rivers that dates back many years,” said Executive Director Sheila Cuddy.

Daniel Slowick of the Palmer Redevelopment Authority agreed, and explained that the village contains many families of Polish and French descent who came to Three Rivers to work in the mills. “One of the hallmarks of the Polish culture was the establishment of Pulaski Park, which draws Polish fans from all over the country who come here every weekend from May to September to hear the bands,” he said, adding that the cultural heritage of the French and Polish has been kept alive.

Dave Golden

Dave Golden shows off some of the student artwork on display at North Brookfield Savings Bank.

Three Rivers’ first major arts venture was established in May 2012, when the PHCC purchased a former church building for $1 with the intent of preserving its historic character and using it as a place to stage performances that would appeal to a diverse group of people.

“We began holding programs in the fall of 2012, and since then we have rented out the space to outside groups, such as Monson Arts Council, who staged a play here,” said PHCC President Robert Haveles.

The nonprofit has been highly successful, and Haveles said it is sought out by national and international performers and has built an e-mail notification list of more than 1,100 people in the two and a half years since it opened.

Other agencies had also been working on revitalization efforts, and in January 2014, the Three Rivers Chamber of Commerce begun putting together a business program that will be launched this year.

“We will provide three months of free rent to new or relocating businesses that will be matched by the building owners. The new businesses will also be provided with a laundry list of professional services donated by members of the chamber, including printing, graphic design, and legal and accounting help,” said chamber spokesperson Renee Niedziela. So far, four landlords have agreed to participate, and the chamber hopes to sponsor two businesses this year.

At about the same time, the Palmer Redevelopment Authority made arrangements with Maple Tree Industrial Center to provide small businesses with free rent for a year, supplemented by a five-week business-planning course offered by the Quaboag Valley Community Development Corp.

But it took nine months before the two groups became aware they were developing similar programs independently.

“That all changed a few months ago,” Slowick said.

When Davey found out about the different efforts taking place, she applied for assistance from the Massachusetts Downtown Initiative, and received funding that will be used to conduct a market study.

Then, when the Mass. Cultural Council announced it was taking applications for the Adams Arts Program, which supports projects that revitalize communities through the creation of jobs in creative industries and engagement in cultural activities, Davey and Cuddy got together and decided it was an ideal opportunity for Three Rivers because of the success of PHCC and the fact that other communities have been successful in using the arts as an economic driver.

A partnership was formed among the Quaboag Valley Community Development Corp., the PHCC, the Three Rivers Chamber of Commerce, and the Palmer Redevelopment Authority, which led to the On the Right TRACK project.

It was submitted last month as part of the application for the Adams grant, and if the town receives the money, it will be used to establish a website and pay for marketing and other costs related to the project.

But interest has already been piqued, and attendance was high at public meetings held in April. “People are genuinely excited about using the arts as a revitalization tool,” Davey said.

Moving Forward

Niedziela says it’s amazing to have so many groups working together on a project that holds unlimited potential.

Slowick concurred, and added that the Palmer Redevelopment Authority has the ability to apply for grants from the Dept. of Housing and Community Development that could include money for an enhanced streetscape, which would complement the park that is within walking distance of Main Street. “Each group involved in this brings something different to the table, and the consortium is pulling it all together to make it happen,” he said.

Indeed, enthusiasm is running high.

“We’re really excited about bringing cultural opportunities to residents and visitors,” Cuddy said, explaining that her organization plans to work with landlords to help them view their properties in a new way.

Which will definitely help this effort to put Three Rivers on the right track.

Palmer at a glance

Year Incorporated: 1775
Population: 12,140 (2010)
Area: 32 square miles
County: Hampden
Tax Rate, residential and commercial: Palmer, $20.63; Three Rivers, $21.35; Bondsville, $21.44; Thorndike, $21.61
Median Household Income: $50,050
Family Household Income: $58,110
Type of government: Town Council
Largest Employers: Baystate Wing Hospital; Camp Ramah of New England; Big Y World Class Markets

* Latest information available

Law Sections
Job Prospects Are Getting (Slightly) Better for Law-school Grads

Karen Adamski, a 2014 graduate of WNEU School of Law

Karen Adamski, a 2014 graduate of WNEU School of Law, in her office in downtown Easthampton.

Eric Gouvin was asked to qualify the state of the job market for recent law-school graduates, and especially those at Western New England University School of Law, which he serves as dean.

He thought about it for a moment, and then, when asked to find a word or two or three to sum things up, he paused again before saying, “well … it’s not terrible.”

He would go on to elaborate, using more numbers than words, to convey the general opinion that what seems like a simple question doesn’t have a simple answer. That’s because these are intriguing and certainly challenging times for those looking to enter the legal profession, and the scene is changing, in some ways quickly and profoundly, and in others slowly and — at least for some of those looking to land work — frustratingly.

What’s changing, said Gouvin, is the landscape in terms of the number and types of services for which lawyers are required. In short, there are fewer of them, with more matters handled by paralegals and those without a law degree.

What’s not changing, meanwhile, are both the overall appetite for bringing on new lawyers (many firms are still hesitant to do so even through the economy is certainly better than it was a few years ago) and the rate of retirement for the Baby Boomers who came into the profession when it was, well, booming 40-plus years ago.

In short, those legions of attorneys who entered the profession in the early and mid-’70s aren’t retiring — or at least at anything approaching the rates one might expect. There are many reasons for this, said Gouvin, including the Great Recession and its impact on everything from real-estate values to retirement savings, and the fact that many lawyers are more inclined to stay active and scale back their workload rather than fully retire.

Add all this up, and it translates into “not terrible,” which is, by and large, a slight enhancement over a few years ago, a vast improvement over 2010 and 2011 (the two worst years for finding work in this profession in quite some time), and roughly the same as last year.

“I’m cautiously optimistic that things are getting better,” said Gouvin. “But it will be pretty much like last year; as the economy improves, the prospects for law hiring improve.”

Gouvin and other law-school administrators won’t really know how the class of 2015 fares for several months — 10 months out from commencement is actually the benchmark used by those tracking placement and related issues — because many job offers are predicated on one’s passing the bar exam, and that grueling exercise won’t happen until July, and the results won’t be known until fall.

But Jeffrey Stitt Jr. won’t have to wait that long. He’s one of the members of this year’s class at WNEU who already has a job — in this case, with the firm of O’Connell & Aronowitz, which is based in Albany, N.Y. and also has offices in Saratoga and Plattsburg, N.Y., his hometown.

“It was always a hope of mine to begin my legal career here,” he said from home just two days after commencement ceremonies on the WNEU campus. “So I was very fortunate to have something work out.”

Jeffrey Stitt

Jeffrey Stitt, seen just after WNEU Law’s commencement exercise on May 17, is one of the fortunate graduates who already have a job with a firm.

Meanwhile, Karen Adamski, a member of WNEU’s class of 2014, is settling in nicely at her solo practice in downtown Easthampton. The name over the door, also printed in smaller type on her business card, is O’Brien & Adamski Law Office, a name she kept (she believes it’s a sound business decision, not a sentimental one) to recognize her father, Karl Adamski, and Edward O’Brien, who practiced together for many years.

Karen told BusinessWest she entered law school with the intention of joining her father (O’Brien passed away several years ago), and that plan was jelling nicely until the elder Adamski became ill not long after she passed the bar and died a few months later.

She carries on by herself, handling everything from real-estate closings to estate-planning work, and said business is solid.

“Things have gone very well, surprisingly well,” she said, giving much of the credit for that to what she called a “support system” of other lawyers in that area who have provided help and mentoring.

As the examples of Stitt and Adamski clearly show, there are still ample opportunities to join this profession and have a law degree fulfill a long-held dream. Still, circumstances are making it more difficult to script such an outcome, and for some, the dream is being delayed or altered due to the challenging conditions.

Firm Resolve

After graduating from Westfield State University in 1989, Adamski eventually went to work for Hasbro, in R&D, where, among other things, she helped write content and rules for a number of games and supervised those who contrived the questions for Trivial Pursuit.

This was fun work and rewarding in several ways, but by 2010, she had made up her mind to plot a significant course change career-wise, join the legal profession, and essentially fulfill a childhood ambition that had been put on ice for more than two decades.

“Growing up and being around my father, I always had an interest in the law,” she explained. “But life got in the way, and it kept getting pushed off. At the time, Hasbro was changing its structure, and I was reassessing what I wanted to do with the next phase of my life. I decided that, if I was ever going to this, this was the time to do it.”

The timing of her decision is significant because 2010 was when the bottom started falling out in terms of both the legal job market and the numbers of individuals who were opting to pursue a law degree.

Gouvin noted that, for the fall semester in 2010, Adamski was one of 52,488 first-year law students enrolled in schools across the country. By the fall of 2014, that number had declined to 37,924, a startling 28% contraction, as schools reacted to a sharp decline in applications by shrinking the size of the classes.

Meanwhile, the worsening conditions also made it more challenging for graduates to find jobs — or at least the kind of jobs they were hoping for when they entered law school, usually taking on large amounts of debt to do so.

“Between 2008 and 2011, big law firms were just shedding jobs left and right — I think the number was something like 60,000 law jobs were eliminated during that period,” Gouvin noted. “There were a lot of layoffs, and the market took a huge hit; that big class that enrolled in the fall of 2010 graduated into a market that was pretty moribund in terms of hiring.”

Adamski was well aware of these developments as she filled out the paperwork to pursue her juris doctor at WNEU on a part-time basis. But she decided this was a risk worth taking.

“I knew it was a difficult time,” she recalled. “Firms were cutting back, certainly, but those times also put a strain on the solo practitioner, which is what my father was. It’s a lot of work to keep an office up and running in a market that had an excess of attorneys in it and not as many jobs available; everyone’s in competition.

“The tough conditions were something I was aware of,” she went on, “but the desire to do it was enough for me to decide that I would take a chance, hope that the market would square up a little bit, and make a go of it.”

She was fairly confident that she would find a suitable opportunity working beside her father and eventually succeeding him. The second part of that equation happened much sooner than she expected, and she regrets that, but overall, she’s happy with her career change.

However, the sharp downward spiral in the legal job market has deterred many over the past several years, said Gouvin, noting that enrollment at WNEU, as at most other law schools across the country, is down significantly from the years just prior to the economic collapse of 2008, and there is no indication that they will start to swing back up any time soon.


Offering Testimony

That’s because of all those market forces he described earlier, a combination of change and stagnancy that has many thinking at least twice about pursuing a law career.

Stitt, however, was not in that category.

Like Adamski, he said he was well aware of how the landscape had changed in the legal profession during and after the Great Recession when he was mulling whether to go to law school and where.

But he was also not deterred by what he had heard and seen.

“I’ve always wanted to be a lawyer, and I wasn’t going to let the job market deter me,” he told BusinessWest. “Everything is pretty cyclical, and I think the job market is going to come back around over the next few years.”

Perhaps, but some things will have to go right for conditions to improve substantially, said Gouvin. One of them is the economy, which certainly appears to be heading in the right direction.

Eric Gouvin

Eric Gouvin expects the job market for law grads to improve as the economy strengthens and Baby Boom-generation lawyers eventually retire.

Another is the eventual exodus of the Baby Boom lawyers and even some who came before them. While their departure from the stage will certainly generate a loss of valuable talent and expertise — as the expected mass retirements over the next decade will in all sectors of the economy — it will generate opportunities for a new generation of law graduates.

“One of the things we keep waiting for is the retirement of Baby Boom lawyers — but they keep holding on,” Gouvin noted with a telling laugh, adding that this is a rather large constituency.

Indeed, in 1969, the total number of JDs graduating was 15,000, he said, citing statistics he’s repeated many times. In 1975, that number was 32,000, swollen by a large number of law schools that had recently attained accreditation, including WNEU, then known as Western New England College.

Meanwhile, the basic laws of supply and demand will generate improvement as well, said Gouvin.

“The good news moving forward is that, for the group that just entered in the fall, their job prospects should be good, assuming the economy continues to recover,” he explained. “The delta between the number of available jobs and the number of new lawyers seeking those jobs will be smaller, simply because there will be a lot fewer lawyers graduated.”

Stitt acknowledged that he is more fortunate than many of his classmates — not only finding a job but one in his hometown — but noted that there are certainly opportunities to be found for those who are diligent and make full use of the resources that WNEU makes available to its law-school students.

“Like anything, there has to be a lot of initiative on your part,” he explained. “And they [WNEU administrators] give us the tools, and they also bring a lot of law firms from the Hartford-Springfield area onto the campus as well.

“Going back to when I was a 1L [the first year of law school] … they always preach to use the school’s externship programs and clinic programs to really shorten that learning curve when you get out of school and into practice,” he went on, adding that these programs can also help make a candidate more attractive to potential employers.

Summary Judgment

As for Adamski, she said keeping the name O’Brien & Adamski Law Office has been one of many factors that have contributed to what she considers a solid start to her career in the law.

“I kept that name because it has equity — it’s been around since 1972,” she explained, adding that many of her father’s clients have stayed with the firm, and she has brought in a number of new ones, including friends, colleagues from previous jobs, and people she knew through law school.

Hers was a plan that didn’t go entirely according to script, but in many ways has unfolded as she envisioned — just on a different timetable.

Many recent and current law-school graduates may well wind up using similar language but in different contexts as they strive to put their degrees to work.

Such is life in this changing environment, one where ‘not terrible’ actually constitutes improvement.

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

Law Sections
As Effective Date Approaches, Many Questions Remain

By KARINA L. SCHRENGOHST, Esq. and OLGA SERAFIMOVA, Esq.

Many employers are struggling to roll out new policies and payroll practices that are compliant with the new Massachusetts Earned Sick Leave law by the July 1, 2015 effective date, which is fast approaching.

Karina Schrengohst

Karina Schrengohst

Olga Serafimova

Olga Serafimova

Last fall, Massachusetts voters passed a law mandating that employers provide up to 40 hours of sick leave per calendar year to their employees. Since then, employers have eagerly anticipated guidance from the Massachusetts Attorney General’s Office, which recently issued proposed regulations. Although the regulations clarify some aspects of this complex new law, ambiguities remain, and the regulations raise new questions and are subject to change after public comment. As public comment is open until June 10, the final regulations will not be issued until very close in time to the law’s effective date.

In light of this, as a compromise, Attorney General Maura Healey recently announced that employers who have a paid-time-off policy in existence as of May 1, 2015 that provides employees with at least 30 hours of paid time off during the calendar year 2015 will have until Jan. 1, 2016 to fully comply with the new law’s requirements.

In order to take advantage of this safe-harbor provision, employers must extend at least 30 hours of paid time off to all employees, and leave taken between July 1, 2015 and Dec. 31, 2015 must be job-protected and subject to the law’s non-retaliation and non-interference provisions. This means that, under the safe-harbor provision, employers would likely have to provide at least some part-time, temporary, and seasonal employees with more sick leave than they would otherwise accrue under the new law.

Consequently, practically speaking, this safe-harbor provision could potentially prove to be more costly for those employers with a significant portion of their workforce employed on a part-time, temporary, or seasonable basis.

In a nutshell, under the new sick-leave law, employers with 11 or more employees must provide paid sick leave, while employers with less than 11 employees must provide unpaid sick leave. The law broadly applies to full-time, part-time, temporary, and seasonal employees, without regard to exempt or non-exempt status, and interns.

The purposes for which employees may use sick leave are similarly broad. An employee may use sick time to care for his or her own physical or mental illness, injury, or medical condition, or to attend routine medical appointments. An employee may also take sick time to care for or attend medical appointments with his or her child, spouse, parent, or parent of a spouse. In addition, sick time may be used to address the psychological, physical, or legal effects of domestic violence committed against the employee or his or her dependent child.

When the need to take leave is foreseeable, employers may require up to seven days’ advance notice; for unforeseeable leave, employees must give notice as soon as practicable. Medical documentation supporting the need for sick leave may be required only after an employee has been absent for at least 24 consecutive work hours (for example, three eight-hour days).

The accrual rate of sick time under this new law is proving to be administratively challenging, baffling employers and payroll companies alike. Specifically, an employee accrues one hour of sick time for every 30 hours worked. For purposes of accrual, exempt employees are assumed to work 40 hours per week, unless their job specifies fewer. Although new employees begin to accrue sick time on their date of hire, they cannot use it until they have been employed for at least 90 days. Current employees begin to earn sick leave on the day the law goes into effect and are likewise not able to use it until they have been employed for 90 days. An employee may carry over up to 40 hours of accrued but unused sick leave from one year to the next. Unlike accrued vacation time, accrued sick time does not have to be paid to an employee upon separation.

Some of the provisions of the proposed regulations brought welcome news. For instance, during the transition year, employers are not required to provide more than 40 hours of paid sick leave, and any paid time off taken prior to July 1, 2015 will be credited. In addition, employers may substitute their vacation or other paid time off (PTO) policies if certain requirements are met. Also, as an administrative relief for some employers, for purposes of tracking sick-leave use and accrual, employers may select any consecutive 12-month period (i.e. calendar year, fiscal year, the year running from an employee’s anniversary date of employment).

Additionally, an employee may be required to verify in writing that he or she has used sick leave for an allowable purpose under the law after any absence. Further, where an employee’s absence from work requires his or her employer to hire a replacement, the employer may require the employee to use up to a full shift of earned sick time. In all other cases, sick-leave use must be tracked by no greater than one-hour increments.

Notably, under the proposed regulations, employees committing fraud or abusing sick leave or exhibiting a clear pattern of taking leave on days when the employee is scheduled to perform duties perceived as undesirable may be disciplined. Because there are explicit prohibitions on retaliating against employees for taking sick leave, employers would be wise to consult with employment counsel before disciplining employees based on abuse of sick leave.

In the same vein, per the proposed regulations, attendance policies that reward employees for good attendance are permissible so long as employees who exercise their rights under this law are not subject to any adverse action. Further, employers may choose to offer a payout of up to 40 hours of unused sick leave at the end of the calendar year, as long as the employee is provided at least 16 hours of sick leave at the beginning of the new calendar year.   

In light of this new law, employers will need to revise their current vacation or paid-time-off policies or create a separate sick-time policy to ensure compliance with the law.

Karina L. Schrengohst, Esq. and Olga Serafimova, Esq. are attorneys at Royal LLP, a woman-owned, boutique, management-side labor and employment law firm. Royal LLP is a certified Women’s Business Enterprise with the Massachusetts Supplier Diversity Office, the National Assoc. of Minority and Women Owned Law Firms, and the Women’s Business Enterprise National Council; (413) 586-2288; [email protected]; [email protected]

Law Sections
Sending a Personal Message from the Deceased to Those Left Behind

By ANN I. WEBER, Esq.

Do you remember old movies where, after the death of an important person, there is a formal reading of the will? The family, trusted retainers, and ancient lawyer gather while the lawyer reads the will, which imparts not just a distribution of assets, but also advice and wisdom — and sometimes also spite and vitriol — from the recently deceased.

Ann Weber

Ann Weber

Of course, the latter two emotions are certainly not recommended in current estate-planning practice, but, upon the premise that we are all important persons with or without family retainers, ethical wills have been reintroduced as a way to send a personal message from the deceased to those left behind.

The concept of an ethical will is not new. It seems to have originated as an ancient Judeo-Christian tradition, which was carried on by rabbis and laypersons as a means of passing ethical values from one generation to the next. In current practice, ethical wills have been touted by websites, books, and how-to manuals as of means of leaving your loved ones a statement of your values and your hopes for their future.

An ethical will is not legally binding as is the memorandum that a testator can attach to his or her will. A legal memorandum sets forth the disposition of specified articles of personal property, i.e., “my jewelry to my daughter, my tools to my granddaughter, my old Ford Taurus to my son,” etc. When properly drafted and executed by the testator, a memorandum is legally binding and will be judicially enforced.

An ethical will, on the other hand, passes on the testator’s final wishes for the family, which can range from desired funeral arrangements to heartfelt lessons, insight and advice for the next generation, or even reminders of events which will bring a smile to the faces of those left behind. It is not a binding legal document, but an expression of memories, values, and hopes for the future.

It can provide an opportunity to say what has not been said in life — though all writers on the subject caution against saying anything negative or painful. Ethical wills can often serve as an offset to dry legal documents and may also balance the sometimes sterile and impersonal care that can attend dying in the modern age.

The most effective ethical will leave the survivors with a stronger sense of the departed loved one, what she wants them to understand about her life. An ethical will may also help the family cope with unresolved issues, explain the reasons behind certain dispositions, and help to avoid conflicts that can arise from the bare bones of the testamentary provisions in a will or trust.

Ethical wills need not be confined to a written document. For example, a father may include remembrances of his parents in saved pictures, letters, or a collection of favorite memories and stories handed down in the family. A businesswoman who wants to instill the values that allowed her to create a successful business and how she hopes her values and ethics will be carried on by the next generation may include stories of how she came to create the business, her successes, her failures, what she learned from them, and how she hopes these lessons will be carried on in the future.

Another person might create a video so that he can have a last conversation with his loved ones, tell a favorite joke or story, and share a last laugh with his family. Scrapbooks and online collections of important family memories may also be part of the ethical will.

If you would like to include such a document with your will, trust, or other testamentary documents, talk to your lawyer about how to go about this. There are a number of books and online guides to assist you, or your lawyer may have a format to help you get started. Many families have found comfort in the legacy of an ethical will that allows their loved one to stay with them in spirit after death, so if this is something appeals to you, start the process now and let it evolve as the years go by. Your family will thank you.

Attorney Ann I. Weber is a partner at Shatz, Schwartz and Fentin, P.C., and concentrates her practice in the areas of estate planning, estate administration, probate, and elder law. She is a fellow of the American College of Trust and Estate Council and past president of the Hampden County Estate Planning Council, and has been recognized by Super Lawyers (2004-2014), Top 50 Women Attorneys in Massachusetts (2007, 2012, 2013, 2014) and Best Lawyers in America (2004-2015); (413) 737-1131; [email protected]

Law Sections
Individuals Are Caught Between a State and a Federal Place

By Valerie Vignaux, Esq.

Imagine your aunt Sarah, 74 years old, three-year resident of an assisted-living facility in a small Massachusetts city.

Valerie Vignaux

Valerie Vignaux

She is thriving there, making friends, and actively participating in organized activities. She takes blood-pressure medication, and, because she doesn’t drive, you pick up her prescription and deliver it to the facility, where it is stored and dispensed by the staff. In her fourth year there, Sarah is diagnosed with breast cancer and opts to treat the disease aggressively with chemotherapy and radiation.

Once fairly robust, Sarah begins to suffer the effects of the chemotherapy. Her nausea diminishes her quality of life, and she loses weight. Her oncologist suggests exploring medical marijuana to alleviate the nausea and stimulate her appetite.

The legalization of medical marijuana took effect in Massachusetts in January of 2013. An Act for the Humanitarian Medical Use of Marijuana legalized marijuana for “the treatment of debilitating medical conditions, or the symptoms thereof.” Such conditions are defined by the statute as cancer, glaucoma, HIV-positive status, AIDS, hepatitis C, ALS, Crohn’s disease, Parkinson’s disease, multiple sclerosis, and, more vaguely, “other conditions as determined in writing by a qualifying patient’s physician.”

By these definitions, Sarah would seem to qualify for medical marijuana. After receiving certification of a debilitating condition from her doctor, Sarah could submit that certification to the Department of Health and receive a registration card. She would then use this card to obtain marijuana from a licensed dispensary.

If Sarah lived at home and drove, she could take her registration card to the nearest dispensary and store the marijuana at home. But what are the considerations now that Sarah lives at an assisted-living facility? Indeed, how will the growing population of elders at assisted-living and skilled-nursing facilities across the state take advantage of this legal treatment option?

It is important to remember that marijuana remains illegal under federal law. In recognition of increasing public support of and state action on legalization, the Obama administration has repeatedly asserted that federal prosecution of medical-marijuana distribution and use will remain a “low priority.” Additionally, Congress recently passed an amendment that prohibits the Justice Department from undermining state medical-marijuana laws — for 2015.

Despite this turning of the federal blind eye, will the owners and management of elder-care communities — both assisted-living and skilled-nursing facilities — take the risk of flouting federal law? If the facility admits patients receiving Medicaid, will it lose its federal funding? Will nursing staff be allowed to store and distribute this legal-yet-illegal substance? If Sarah can’t administer the drug herself, will a staff nurse or care attendant be authorized by the facility to help her? If Sarah opts to smoke the drug, will the facility allow it if there are restrictions on smoking? Will a family member be allowed to pick up her marijuana at the dispensary for her, as with her blood pressure medication from the pharmacy?

The Massachusetts statute allows for a “personal caregiver” to assist with a patient’s medical use of marijuana. Like the patient, caregivers may also receive a registration card to procure a patient’s marijuana. The statute states that “an employee of a hospice provider, nursing, or medical facility providing care to a qualifying patient may also serve as a personal caregiver.” Such caregivers, along with patients and healthcare professionals, are expressly protected under the law from state prosecution. In this scenario, both family and a staff member at Sarah’s facility could become personal caregivers under the law and assist Sarah with the procurement, storage, and administration of the drug.

Despite express protection from state prosecution, the Massachusetts statute also notes that “nothing in this law … purports to give immunity under federal law,” and “nothing in this law poses an obstacle to federal enforcement of federal law.” Presidential promises and the one-year hiatus from prosecution may be small comfort to administrators of elder-care facilities. The fear not only of prosecution, but also of loss of licensure and federal funding, are genuine concerns that may affect an elderly resident’s access to this particular treatment.

Attorney Valerie Vignaux is an associate attorney with Bacon Wilson and a member of the firm’s Estate Planning and Elder Law team. She assists clients with all manner of estate planning and provides representation for guardianship and conservatorship matters. She also spent a year serving as Superior Court Clerk to the justices of the Massachusetts Trial Court; (413) 781-0560; [email protected]

Insurance Sections
Insurance Agencies Raise Their Profile Through Blogs, Social Media

In an industry as competitive as insurance, Maureen Ross O’Connell succinctly stated what must be the goal for every agency: “we want people to think of us when they think of insurance.”

Bill Grinnell

Bill Grinnell says social media is limited in how much business it can attract, but it’s still important to maintain an online presence.

But in an era when Americans, especially the younger crowd, aren’t reading as much print media as they used to — the striking decline of daily newspaper readership over the past two decades testifies to that trend — how do agencies reach out to potential new customers?

One answer is social media, from Facebook pages to LinkedIn listings to blog posts, said Ross O’Connell, president of Ross Insurance in Holyoke. But the messages and techniques used on these media are strikingly different than what might be considered traditional marketing.

“We don’t talk much about insurance on Facebook at all,” she said of the company’s lively Facebook page, which is updated virtually every day. In the weeks before this article went to press, Ross posted an article about a major airbag recall, but also one about how parents feel when their kids start driving and another about identify theft.

Meanwhile, the agency shared congratulations to the region’s high-school and college graduates, recognized National EMS Week, shared information on the Great New England Air Show, polled readers on favorite cookout foods, and solicited comments on Deflategate. In short, the page mixes helpful information — only occasionally touching on insurance-related topics — with a healthy dose of fun and human interest.

“People are not on social media to be sold to; they get annoyed when you try to sell to them on Facebook,” Ross O’Connell said. “We run contests, share relevant information, but we’re not trying to sell insurance on Facebook. They have an opportunity, if they’re so inclined, to request a quote off the Facebook page, but mostly, we just want to be part of the conversation.”

Meanwhile, Agawam-based Insurance Center of New England (ICNE) maintains its Facebook page with several posts per week. Recent topics range from auto safety and roadside emergencies to photos from the company’s recent Paint Craze Night to benefit the YWCA; from congratulations to clients that have won awards to an infographic about financial literacy in childhood. Meanwhile, several articles posted to the ICNE’s website delve into weightier insurance topics, from Affordable Care Act compliance to workers’ compensation.

“We definitely are embracing the tools — not to say we’ve mastered them,” said company President Bill Trudeau, noting that ICNE also engages with the region’s professional crowd through LinkedIn. “Our Facebook persona tends to be more community-oriented. We do put some things about insurance in there if it’s something of interest, like the windshield-wiper thing, using headlights when they’re in use. Or we might say something about fire-safety reminders. But it’s not filled with insurance stuff.”

The goal in posting any item on Facebook, he continued, is for people to read it and find it interesting — and hopefully keep coming back. Meanwhile, sharing news about local events and causes ICNE or its employees are involved in drives home their connection to the community. “We see it as a way to demonstrate what we’re all about, Trudeau said, “what we’re up to besides insurance.”

Bill Grinnell, president of Webber & Grinnell Insurance in Northampton, said his firm has focused increasingly on social media and online communications over the past two years, but the jury is out on what the agency gains from such activity.

“I am still unconvinced how we benefit,” he told BusinessWest. “We’re certainly doing it, but I don’t think it’s a silver bullet that will propel my business forward by any means.

“People just don’t go to insurance-company websites to hang out,” he added. “When we post something on Facebook, we want to make it interesting — but it’s not the most exciting business in the world. Obviously, we try to get people to follow us on social media, but that doesn’t replace old-fashioned ways of getting new business. Still, I do feel we are ahead of the pack in terms of our social media.”

Home and Oughta

Most effective, Grinnell said, is the company’s two online newsletters — the Guardian, geared to personal-line (home and auto) customers, and the Protector, which goes out to business clients, business prospects, underwriters, vendors, and other people the agency associates with. The contents of those newsletters then get posted to Facebook and LinkedIn.

“We do keep it somewhat relevant,” Grinnell said. “For example, in our personal-lines newsletter, we had an article over the winter with a lot of great information about ice dams — what causes them and how to prevent them. We also had a nice article on how your insurance company responds to water damage. We followed that up with what’s covered in flood coverage, seepage, and so on. That got good response from people.”

He’s currently drafting an article on how points affect auto-insurance premiums, and another on the pros and cons of different deductible levels and what kind of savings customers should expect. Meanwhile, the business-insurance newsletter recently featured a piece on workplace injuries and the impact they have on business income, business interruption, and insurance coverage.

“I went recently to an Employers Association meeting about employee engagement and got a couple of jewels from that on helping me run my business,” Grinnell went on. “Then I put an article in my newsletter; I took what I learned from it and shared it with my customers.”

Similarly, Ross O’Connell said the blog on her agency’s website — updated regularly by a full-time social-media architect, and featuring articles on everything from employee benefits to motorcycle safety to health-insurance plan options — is also geared to customers as well as prospects.

That architect, Krystal Carvalho, also writes for a second Ross blog, insurance-boss.com, which mixes hard information with lighter fare, like a piece on Easter desserts, and profiles of agency clients. But there is some crossover among the two blogs and the Facebook page.

“Everything changes in the social-media world,” Ross O’Connell said, “so much so that we’re shifting our philosophy and bringing our soft social stuff onto our website as well. So charity work, community events, that used to be all on insurance-boss.com, but the ultimate goal here is to drive people to our website. So our strategy is shifting a little bit now as we speak.”

To varying degrees, all the agencies that spoke with BusinessWest said social media can be a branding tool to keep a company’s name and community connections on people’s minds. Trudeau said this happens when ICNE posts a photo of a newly hired employee.

“We might stay more top of mind the next day,” he said. “And if someone asks them, ‘I don’t have a good agency; who do you use?’ hopefully they’ll think of us just a tiny bit more than if they had not seen anything.”

Social media has other practical uses, Grinnell added, noting that LinkedIn can be a solid recruiting tool. “We can communicate with all our LinkedIn friends about positions that are open and also look at individuals who might fit the job description. That has been useful to us.”

Brand Names

Trudeau said businesses that post regularly on social media have to strike a balance between being interesting and annoying; no one wants their feed clogged with material they have no use for.

Still, Ross O’Connell said, “it’s absolutely important to have a presence on social media — we have to be part of the conversation, branding ourselves.”

She added that the agency’s initial goal when starting to delve into social media was to reach out to the younger generation. “Of course, the average age on Facebook is now 55, but that was not the case when we started. We’re reaching a diverse audience.”

Trudeau also sees value in being part of the daily conversation on people’s news feeds.

“People have a lot of choices in the marketplace, where they can buy house and car insurance. If they see they can get competitive prices from someone who’s engaged in their community, we think people will choose to work with us as opposed to what we call a black box: ‘OK, time to get on the computer for a quote from State Farm, Geico, Progressive, or Allstate.’ You’re not going to run into those people at the local Red Cross board meeting; they don’t really have a specific presence in the Pioneer Valley.”

In short, the company’s pitch is that it represents many different carriers and can offer attractive products, he added. “But social media gets out the message that we’re engaged in the community, and here are some things we think are interesting and fun about us.”

Grinnell said there’s an element of client retention as well, and making sure customers are engaged with the agency and even expanding the relationship.

“It’s a very competitive world in the insurance business these days, and the insurance companies do most of the billing, most of the processing, so typically people don’t hear much from their agent unless they have reason to call them,” he told BusinessWest. “We felt it was important to get out in front of them and remind them who we are. We bring value to the table, and we try to bring value in that newsletters.”

As Ross O’Connell mentioned, however, the landscape is always shifting, so insurance agencies are constantly challenged to change with the times.

“We don’t always have all the time we need to do it,” Trudeau said. “It took a while to build those muscles, to have everyone remember, ‘hey, if you’re going to be at such-and-such event, get us some material.’

“We’re all students of social media,” he added, “and we’re doing what we can to do it better.”


Joseph Bednar can be reached at [email protected]

Insurance Sections
Insurance Is Personal — and Business, Too — at Moulton

By CLARK HOWELL

It has been exactly four years since tornadoes struck Western Mass. on June 1, 2011, an event that insurance agents remember well.

Cindy Moulton St. George (center), daughter Katie Gagner, and husband Roy St. George

Cindy Moulton St. George (center), daughter Katie Gagner, and husband Roy St. George represent the second and third generations of this family business.

Cynthia Moulton St. George, president of Moulton Insurance, recalls her employees climbing through downed trees and over debris to get to clients in the days following that unexpected disaster, which resulted in some $150 million in damages.

“We had gotten authority from our companies,” Moulton St. George said, “and they would refund our accounts. And we would just go and write checks … because people had nothing.”

She added that some people victimized by the twisters had everything “sucked right out of their house — if their house was even there.”

Katie Gagner, who manages the company’s Belchertown office — Moulton has additional offices in Palmer and Ware — added that “it was crazy” in those hectic first days of writing checks and consoling clients and residents after the disaster.

As a third-generation family business launched by Moulton St. George’s father in 1952 (Vice President Roy St. George is her husband, and Gagner is their daughter), they say they understand the needs of both families and businesses — a commitment put to the test by the tornadoes, but one in play every day.

“We are an advocate for our clients,” Moulton St. George said, adding that the image of agents sitting behind a desk is inaccurate, and that getting out into the community — though usually not scrambling over tree branches — is every bit as important as doing the paperwork of a claim.

Moulton St. George said it’s that personal connection to the community that sets independent agents apart from the large, national direct sellers of insurance.

For example, she went on, many auto service centers, and especially auto-body repair shops, won’t even do business with motorists who have direct-seller auto insurance. “They have signs right in the shops, many of them, that say, ‘if you have XYZ Insurance, don’t bother asking us to do your repairs.’”

Independent agencies like Moulton are different for many reasons, she said, but especially because they actively advocate for clients, particularly “when it comes to the claim, which is why you buy insurance.”

Setting Their Sites

When she and St. George sat down with BusinessWest, the company was both celebrating some recent successes and taking steps to further raise its profile.

Specifically, the agency had just received the Long Term Service Award from the Quaboag Hills Chamber of Commerce, and was preparing to launch a new, content-rich website.

The website — which will offer more information on business and commercial lines of insurance — is important, Moulton St. George said, because people don’t always associate the company with those areas of expertise, even after 63 years in business.

“Businesses may not look at Moulton Insurance as the go-to agency for commercial lines,” St. George said, but added that perceptions will change once people become aware of the extensive list of business and commercial products offered by their company.

However, he explained, auto, home, and life insurance will continue to play a vital role in the overall mix of products Moulton offers to residents of Massachusetts, Connecticut, New Hampshire, and Vermont.

A stronger web presence is important for an agency based in the Quaboag region that aims to reach across Western Mass. and beyond. St. George said the company probably could have better advertised its experience with commercial lines in the past, which is one reason the website is getting an overhaul.

“We can handle anything from a Main Street type business to a manufacturing facility,” as well as the fleet of vehicles associated with that company, he said, adding that Moulton represents more than 15 insurance carriers, both regional and national, to provide options should a situation require specialization.

St. George is equally proud of the employees representing those products. He noted that many agencies in Western Mass. have relatively low ratios of full-time licensed agents to total employees. In other words, an agency might have three licensed agents and a total number of 14 employees, meaning that the majority of employees can only handle administrative work, and not the actual work of determining the best insurance product for a given situation.

Of Moulton’s 16 employees, however, 14 are licensed agents, ranking in the top 20% of agencies in the region by ratio of agents to employees. Further, the agency boasts five certified insurance counselors (CICs), three in the commercial area alone.

The CIC designation, he explained, is a mark of distinction that represents a commitment to professional excellence and leadership within the industry. CICs are recognized as among the best and most knowledgeable insurance practitioners in the nation. The designation is earned by attending five intensive CIC Institutes: agency management, commercial casualty, commercial property, life and health, and personal lines. The formal training required to become a CIC includes 100 classroom hours and the successful completion of comprehensive exams in these five areas of expertise.

Moulton also boasts eight certified insurance service representatives (CISRs). These agents have gone through a program that offers additional learning opportunities in the commercial-lines and personal-lines arenas, as well as courses in health and risk management.

Earning Trust

However, St. George and Moulton St. George both stressed, knowledge of insurance products alone won’t make an agency a trusted entity within its region. That comes from years of dedication and service to a community.

“Our reputation is a big part of what we do,” Moulton St. George said, noting that her father, Charles Moulton, had the foresight in 1952 to start an insurance agency that strived to bring personal service and cost-effective insurance coverage to area customers. Since then, she said, the company’s agents have made deep connections to the community.

The new website, they say, is just one way of raising the agency’s profile and letting insurance shoppers know what Moulton can offer to protect against the storms of life and business. Sometimes literally.

Business Management Sections
Local Consultants Stress the Need for Succession Planning

George Miller was explaining how he came to be the owner and operator of the Magic Wings Butterfly Conservatory & Gardens in South Deerfield.

He said he would try to make a long story short, but acknowledged that this was probably not possible, and then proved his point.

Kevin, left, and Michael Vann

Kevin, left, and Michael Vann say too many business owners make the mistake of putting off key decisions on succession.

Indeed, it took some time to explain how Miller went from being the construction-company owner originally hired by a team of nine principals to build the unique facility in Deerfield, to eventually becoming one of two partners to create and open the tourist attraction in 1999, and then become sole owner a few years later.

In short, there was obviously a good deal of attrition concerning that original ownership team, Miller told BusinessWest, adding that some of them developed cold feet when they learned the actual price tag for this facility — “I gave them some numbers and then had to perform CPR on a few of them.” Others dropped out during what became a protracted battle with the town for the permits needed to make the concept reality.

“They thought the butterflies were going to eat Deerfield,” said Miller with a chuckle, adding that he was asked to come on as a partner, and eventually, he and the lone remaining original investor prevailed and opened the doors to the facility. But this was to be a short-lived partnership.

“We had different philosophies — I liked making money, and he liked spending it,” Miller said. So he bought him out and continued to operate Magic Wings as a family operation, with daughter Kathy Fiore and son George Jr. eventually taking leadership positions.

Fast-forward to early this year, and Miller decided it was time to move on from the enterprise. Actually, his wife provided much of the motivation.

“She said, ‘when is it going to be my turn?’” he told BusinessWest, a reference to how the venture had come to consume most of his time and attention and how she would like some of both.

So Magic Wings is now for sale, thus becoming one of myriad businesses across this region and around the country now dealing with the complex, often thorny issue of succession.

In many ways, Magic Wings is atypical, said Michael Vann, who, with his father, Kevin, manages the Vann Group, a Springfield-based consulting company now handling the sale, and a company that specializes in such transactions and the larger issue of succession.

Magic Wings is certainly unique — a butterfly conservatory is an unsual business and one that commands a distinct brand of passion from its owner, said Mike Vann, adding that, in this case, there were few, if any, options concerning succession; the next generation has no interest in taking over the venture, and a sale to other employees is not a possibility, leaving Miller to sell.

But in many ways, Magic Wings is typical in that it presents lessons in how succession is something owners must be thinking about and planning for; otherwise, the process can become more tedious and difficult.

It also demonstrates how there are many moving parts to succession planning and the many other issues — from estate planning to retirement savings — that older business owners face as they come to grips with deciding the fate of what many describe simply as “my baby.”

Kevin Vann likened the process to putting together a jigsaw puzzle with many pieces.

“I tell new clients to picture it this way: you take a puzzle box that has 500 pieces in it, and you dump them out on the table,” he explained. “And you try to fit all those pieces to the puzzle — their personal life, their business life, and all those offshoots like the retirement plan — together. And when we get started, we don’t know what it’s going to look like.”

These days, the Vanns are helping many business owners with their figurative jigsaw puzzles — Mike estimates that maybe 40% of the company’s revenues are succession-plan-related — and the numbers will only move higher as the Baby Boomer generation ages and business owners confront something they probably don’t want to confront — succession.

They have forged an alliance with the consulting firm ROCG, a multi-national corporation that specializes in business consulting and especially succession issues, and are thus adjusting their own business plans to acknowledge succession planning as a major growth opportunity.

For this issue and its focus on business management, BusinessWest looks at that opportunity and the many issues involved with succession planning.

Getting the Bugs Out

Mike Vann says the numbers tell the story when it comes to the issue of succession planning, why it’s important for business owners to start thinking and doing something about it, and also why it represents a strong growth opportunity for his company.

“Statistics from a study that MassMutual conducted show that 26% of businesses have done some kind of succession planing, and 74% haven’t done anything,” he explained, adding quickly that many, if not most, of the companies in the former category would be considered larger, more sophisticated enterprises, with dozens or hundreds of employees.

Thus, the number of small and mid-size businesses — the kind of ventures that dominate the Western Mass. economy — with a plan of any kind is much smaller, perhaps as low as 10%.

There are a number of factors contributing to those statistics, said the Vanns, including a reluctance to face the issue of succession (there are several reasons why), preoccupation with other matters, especially the day-to-day operations of the business in question, and the general attitude that there will be time to do succession planning ‘later.’

Magic Wings Butterfly Conservatory

Magic Wings Butterfly Conservatory in Deerfield is a unique business, but shares many of the common issues involved with succession.

While that’s true, later can sometimes be too late, said the consultants, adding that, ideally, business owners should be thinking about succession from the day they start their venture, but more realistically, they should give it strong consideration starting no later than 10 years before their projected exit from the stage.

Put another way, said Kevin Vann, business owners should put as much energy into how they’re going to exit their business as they do with how they’re going to start it.

Helping clients with these issues has become a steadily larger potion of the business portfolio for the Vanns, who also assist clients with sales of businesses (work that is often related to succession planning), mergers and acquisitions, organic growth opportunities, and strategic planning.

“We carry an inventory of six to a dozen succession-planning cases in different stages at any given time,” said Kevin. “It’s a part of our business that’s growing rapidly.”

When asked about those stages, he said there are several, starting with creation of an actual plan itself. This is followed by diligent updating of this document as time moves on and circumstances change. And then, there’s execution of the plan.

In many cases, companies will have a plan, but it will sit on a shelf neglected, said Mike, adding that this is a common mistake business owners make.

He cited the example of a local manufacturing company operated by two brothers who put a buy-sell agreement together.

“One of them’s 68, the other’s 63, and they have a buy-sell agreement in place,” he explained. “At that age, [the younger partner] doesn’t want to have to deal with buying out his brother, and there are no family members to take over. So it’s great that you have a buy-sell agreement, but it’s bad news if you’re the one who doesn’t die.”

Kevin agreed. “Succession and the many issues involved with it are a big problem today,” he told BusinessWest. “Over the past 20 years, the population has been conditioned to think, ‘let’s get our retirement planning done; let’s get our elder-care planning and our estate planning done.’ If you’re in business, succession planning has often been pushed off, and it’s catching a lot of people off guard. And we’re all living longer, so it’s easier to put it off.”

Flight Plans

Returning to the example of Magic Wings, Mike Vann said George Miller was not exactly caught off guard — he’s known for some time that neither of his children had an interest in taking over the business when he decided it was time.

But that time came up sooner than he might have anticipated several years ago, and he is now tasked with selling — with assistance from the Vanns — a business that requires a certain kind of owner, one with the requisite passion for its unique purpose, the ability to thrive in what is definitely a ‘people business,’ and one that can see past the many challenges to what Miller believes are solid opportunities.

And it may take some time to find such an investor.

For other business owners, there are different issues to be dealt with. And the list is even longer for those in family businesses, where succession-planning issues and estate-planning issues often collide at high speeds. In those cases, matters include which children will take over the business, on what terms, and with consideration to those children who are not involved in the business.

This crowded intersection of planning issues brings Kevin Vann back to that notion of a jigsaw puzzle. And what business owners need to keep in mind is that a succession is like a will in that it can’t sit on a shelf or in a safe as years and decades go by.

“Succession plans are constantly evolving because people are constantly evolving,” he said. “Someone gets sick, they suffer a health crisis, there’s a domestic problem, an issue with children, divorce … all these kinds of things.

“It’s not just about ‘gee, I’m getting old, I might die,’” he went on, referring to the thought pattern that often spurs one to action on a succession plan. “It’s about all those other things that are going on in your life all day long.”

And succession planning is not just about money — although that is a big part of it, he continued, adding that lifestyle issues often come into play.

“Many people want to stay active, stay productive — they don’t want to let go of their business,” said Kevin. “They have nowhere else to go, have no other vocations, no other hobbies. This is their baby, and they don’t want to let go. And they don’t want to be home with their spouse. These issues are all part of the planning process.”

Overall, succession plans are like snowflakes in that no two are alike, said Mike Vann. Therefore, each situation — meaning each business and the people involved with it — is unique. And there are many moving parts to each plan.

“There’s a big evaluation component to the business,” he noted while referencing where and how the process starts. “There’s a lot of analysis with the company and the people involved with it. We spend a lot of time coming to understand not only the business, but the personalities and the expectations of those individuals. You’re dealing with some very interesting nuances with business owners’ spouses; there’s a lot of discussion as to what’s next.

“There’s a recommendation component that addresses various options,” he went on. “You look at the estate plan that’s in place and what the individuals are doing from a financial-services component. It’s a holistic piece, and it needs to be, because, for many business owners, the company is the largest and most valuable asset they own.”

As for the execution phase, well, that comes complete with its own set of issues, said the Vanns, adding that it’s one thing to have a plan, but another thing altogether to carry it out — and the latter is often more difficult than the former.

“It’s not uncommon for us to get to a situation where we’ve completed a plan, there’s agreement on the plan, and no one wants to execute,” said Mike. “That’s because there are some hard conversations that have to come, probably some decisions on a family member that an individual doesn’t want to make, and many other things. It can get difficult.”

The Vann Group’s affiliation with ROCG will help in the process of helping clients navigate all that whitewater, said Kevin, adding that company has several offices in North America and provides access to resources and knowledge.

“If we want someone to look at an employee stock-ownership program, they have people who are experts on those,” he said. “The same with valuations and the many types of situations we encounter. There’s a wealth of knowledge and experience that we can tap into.”

Happy Landings

Looking ahead and at their own venture, the Vanns acknowledge that succession planning will soon become a huge source of business for a wide range of companies and individuals involved in consulting.

They believe they will have a leg up (or six legs up, in the case of Magic Wings) on all that competition thanks to their experience, affiliation with ROCG, and work putting together hundreds of those proverbial jigsaw puzzles.

Indeed, succession planning, like running a butterfly conservatory, involves hard work and, well, making sure things take off and land properly.

And they believe they have the perfect flight plan.


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

Business Management Sections
How This Program Can Help You Effectively Manage Your Company

By CHRISTOPHER MARINI

Christopher Marini

Christopher Marini

Oftentimes, we rely on Excel to help us achieve a specific function or task, but do not look beyond our immediate needs, because the program can seem difficult or outright impossible to master.

While the depth of Excel’s capabilities is vast, there are a number of different tools that, with just a little education, can make an immediate and substantial impact on our day-to-day business activities. Here are five examples that may help you improve and optimize the operation of your company and better monitor your business to gain an inside edge. 

 

Track and Analyze Historical Data

One useful feature of Excel is its ability to track historical data and use this information to calculate changes and trends. Some functions in Excel that are helpful for this purpose are averages, dollar and percentage differences, and maximum and minimum values.

If a company is already using accounting software, many of these programs have the ability to export reports, such as income statements and balance sheets, directly to Excel. These reports can be generated for the current year and any prior periods for which data is available. Once the desired reports are in Excel, users can add columns and create formulas to calculate changes and trends. 

 

Budget-to-actual Comparisons

Another great business application of Excel is a budget-to-actual comparison.

This is a great way to track how well a business is able to control its costs relative to expectations that management has set. By exporting the actual results from an accounting program and creating a column of related budget figures, the user can calculate differences on an annual or monthly basis. Excel also has icon-conditional formatting that can automatically distinguish and visually present how close individual revenues or expenses are to their budgeted figures.

 

Make Future Predictions

Excel is also excellent at enabling the user to make predictions for future periods. By using the historical data and related trends as described above, business owners can apply an appropriate dollar or percentage increase to project future values.

For example, if expenses have risen by 3% in past years, management can assume that expenses will most likely increase by a similar amount this year.  Of course, some expenses are fixed, so Excel can be utilized to maintain the same fixed cost rates while applying the appropriate rate increase on any variable costs. By calculating projected expenses, business owners can make an educated estimate on how much revenue they will need to earn in order to be profitable. 

 

Perform a Scenario Analysis

One function in Excel that many users are not aware of is the ability to use the ‘goal seek’ option to explore hypothetical situations.

This is a great tool to use in conjunction with the setting of future expectations. For instance, if a sales-oriented organization needs to earn a certain dollar amount of revenue and is trying to determine what percentage revenues should increase by to reach that desired level, this function eliminates the guesswork and quickly computes the value needed. This function is especially useful in spreadsheets where there is substantial data and linking, and can help users save time by quickly arriving at a conclusion. 

 

Create Professional Graphs and Charts

Excel is an excellent program for creating insightful visual diagrams that business owners can use both for their own review as well as for presentations to staff or outside organizations.

While there are several other programs that enable users to create these graphs and charts, Excel is a clear frontrunner due to its ability to quickly interpret figures and adjust for any changes made. Some of the other programs rely on manual entries, which can be time-consuming and result in a higher margin of error.

The ‘pivot table’ feature in Excel can be refreshed to always effectively and efficiently present the most recent data. These tables can be customized in various visual ways to ensure that users can present their data exactly how they want. Additionally, Excel graphs and charts can be copied into other programs, and Microsoft Word even allows users to insert blank and editable Excel worksheets within the document.

Bottom Line

If you are already familiar with Excel, challenge yourself to adopt some of these methods to enhance the way you think about your business. If you are not yet comfortable with the operation of the Excel software, there are several learning opportunities available. Many free websites, such as excelexposure.com and gcflearnfree.org, offer step-by-step instructions on standard tasks. For a monthly fee, lynda.com has quality Excel video tutorials. In addition, many libraries or other local organizations will often offer live group learning experiences. If your task is more complex, some accounting firms offer advanced business Excel services as part of their management advisory and consulting services.

In the business world, knowledge is power, and the additional knowledge that can be obtained from custom-designed Excel spreadsheets can help business owners become more informed and aware of company performance. This increased awareness and financial insight can help give business owners the edge they need to stay ahead of their competitors and plan for the future.

 

Christopher Marini, MOS is an associate with the Holyoke-based public accounting firm Meyers Brothers Kalicka, P.C.; (413) 322-3549; [email protected]

Daily News

NORTH BROOKFIELD — North Brookfield Savings Bank (NBSB) announced that Heidi-Jo Kemp has joined the Bank as vice president and residential loan officer.

“Heidi-Jo is an excellent and valued addition to our lending team,” said North Brookfield Savings Bank President and CEO Donna Boulanger. “Her experience and expertise are well-known in the area, making her a wonderful asset to our growing customer base and expanding Mortgage Center. I am confident that she will be a great benefit to our current and future customers wishing to purchase or refinance a home.”

Kemp is a graduate of the New England School for Financial Studies at Babson College. She began her banking career at Country Bank in 1988 and was a standout performer for 27 years, receiving numerous awards and being active in many community organizations. She joins NBSB’s Mortgage Center team, comprised of a group of skilled mortgage professionals led by mortgage expert Donna Tiso, senior vice president and retail lending manager.

“I’m very excited about joining North Brookfield Savings Bank,” Kemp said. “Donna Tiso has assembled a very capable and strong retail lending team at the NBSB Mortgage Center, and I’m very proud to be a part of it. I look forward to helping people navigate the home-buying process, so that individuals, couples, and families can finance the home of their dreams.”

Kemp is a member of several community organizations, including the Central Mass. South Chamber of Commerce, the Quaboag Hills Chamber of Commerce, the Worcester Regional Assoc. of Realtors, and Woman in Business Inc.

North Brookfield Savings Bank is a mutual savings bank with full-service branches in North Brookfield, East Brookfield, West Brookfield, Ware, Belchertown, Palmer, and Three Rivers. To contact Kemp for assistance purchasing or refinancing a home, call (774) 452-3918 or e-mail [email protected]. For residential-loan information, contact the Mortgage Center at (508) 867-1302 or [email protected].