Daily News

SPRINGFIELD — Today’s “We the Women” series at Springfield Technical Community College (STCC) will feature an in-person discussion with Jacqueline Johnson, chief operations officer of Caring Health Center Inc., which serves the state’s largest refugee community. The event will take place from 12:15 to 1:30 p.m. in the STCC Student Learning Commons (Building 19).

“We the Women” celebrates achievements by women leaders. Featuring local speakers, the series discusses women’s careers, accomplishments, and the barriers they face.

Johnson has more than 21 years of experience leading diverse teams in community-based organizations across the education and healthcare sectors. She began her career at Caring Health Center in 2008 and held roles there as program director for HIV prevention and insurance navigation programs prior to becoming chief operating officer in 2012.

Raised by a strong single mother, her upbringing motivated her to be her best self and instilled in her an unwavering determination that has guided her educational and professional journey.

Johnson holds a bachelor’s degree in political science and urban development from Mount Holyoke College, a master’s degree in social justice education from UMass Amherst, and a doctorate in higher education leadership and organizational studies from Bay Path University, where she is also a member of the faculty.

Daily News

HOLYOKE — OneHolyoke CDC will host its annual Holyoke Community Dinner celebration on Wednesday, Dec. 14 from 5:30 to 7:30 p.m. at Kelly School, 216 West St. All Holyoke residents are invited to celebrate the season with a free, Winter Wonderland-themed dinner that will also feature live performances and fun activities.

OneHolyoke has been hosting its free Community Dinner for the past six years. The event will return to its traditional in-person celebration this year, though residents also have the option to take their meals to go. During the pandemic, the organization continued to hold the Community Dinner as a contact-free event, providing more than 500 meal kits for the community.

The evening will feature live performances and fun activities, including arts and crafts and a holiday-tree contest. A committee of Holyoke residents and staff from Holyoke Public Schools, Enlace de Familias, and Vcare Medical have been working with OneHolyoke to organize this event.

The annual Community Dinner is also supported by many sponsoring community organizations, including Holyoke Health Center, PeoplesBank, Westside Finishing, Green Thumb Industries, Andy Ramos Electric, Polish National Credit Union, bankESB, Holyoke Mall, Holyoke Medical Center, Hope Worldwide, Homework House, MassHire, city of Holyoke, Mass in Motion, Greater Holyoke Chamber of Commerce, Holyoke Housing Authority, WestMass ElderCare, Pat Duffy for State Representative, Let’s Move 5210, Carlos Vega Fund, Witman Properties, Fallon Health, Westfield Bank, Holyoke Gas and Electric, Clayton Insurance, Holyoke Public Library, Nuestra Raices, Truelieve, Bresnahan Insurance, YMCA, Holyoke Tax Service, Blossom Flowers, Committee to Elect Tessa, and R&S Cleaning Service.

Daily News

SPRINGFIELD — The Division of Exercise Science at American International College (AIC) announced that its Graduate Strength and Conditioning Program has been approved for continued recognition through the National Strength and Conditioning Association (NSCA) Education Recognition Program (ERP). The recognition renewal period is three years, lasting through Sept. 20, 2025.

Recognition through the ERP demonstrates that the AIC Graduate Strength and Conditioning Program meets the requirements to prepare students for the NSCA-CPT and CSCS certifications and is committed to quality.

“This accomplishment exemplifies all the hard work and dedication our faculty provides to students to set them apart from other students entering the field as young professionals,” said AIC Division of Exercise Science Director Susan Lachowski, adding that “this recognition also enhances our visibility and credibility within the field on a national level.”

The NSCA recognizes exemplary programs that provide the best education to students looking to become leaders within the field of strength and conditioning. “We look forward to this partnership while providing a proven network of professional support for students as they embark on their careers in the strength and conditioning industry,” Lachowski said. “We believe the NSCA is a valuable asset, and NSCA program recognition underscores our commitment to the strength and conditioning profession we serve.”

Daily News

HADLEY — UMassFive College Federal Credit Union is running a winter coat and cold-weather clothing drive in its Hadley, Northampton, and Springfield branches throughout the month of December.

This drive, held annually, is part of an effort to ensure that all community members have access to cold-weather clothing this winter. Donations will be distributed in partnership with the Amherst Survival Center.

“We know that our neighbors in need have come to count on the coats and warm clothing our members donate during this drive,” said Cait Murray, UMassFive Community Outreach manager. “We are so grateful to partner with the Amherst Survival Center to ensure that donations are directed where they can have a significant impact.”

UMassFive thankfully accepts clean, new or gently-used coats, gloves, scarves, hats, sweaters, and blankets. Donations should be placed in a bag and may be dropped off during business hours to the Hadley branch at 200 Westgate Center Dr., the Northampton branch at 225 King St., or the Springfield branch at 233 Carew St. (Mercy Hospital Rehabilitation Building, Room 110).

Banking and Financial Services

Saving Grace

By Barbara Trombley, MBA, CPA

 

The Internal Revenue Service has announced one of the biggest jumps in decades to the cap on 401(k) contributions. Americans will be able to save 10% more in their plans by making pre-tax contributions if they take full advantage of the new cap. The new limit is $22,500, up from $20,500 in 2022, and is applicable to all 401(k), 403(b), and other tax-advantaged savings plans.

Remember, a pre-tax contribution to a plan lowers your taxable income by the same amount in the tax year the contribution is made. The new caps also apply to Roth 401(k) or post-tax contributions (if your plan allows). The tax benefits to Roth 401(k) plans do not occur in the year the contribution is made, but later, when distributions are taken tax-free after the age of 59½.

Barbara Trombley

Barbara Trombley

“Many contributors wonder about the future of Social Security; this future will have to be addressed someday by our government. Currently, according to the Social Security website, the trust fund will run out in 2037.”

If an employee is age 50, they can also make a catch-up contribution. This limit has increased to $7,500 from $6,500 in 2022. This means an employee over the age of 50 can put up to $30,000 in their retirement plan this year with federally approved tax benefits. The IRS seems to be responding to the wave of inflation that has impacted the world and is encouraging Americans to save more for retirement.

Contribution limits to traditional IRAs and Roth IRAs will increase $500 to $6,500. Catch-up contributions to those over age 50 are not subject to annual cost-of-living increases and will remain at $1,000. If the taxpayer is not covered by a retirement plan at their place of employment, traditional IRA contributions are fully deductible. If the employee is eligible for a retirement plan at their place of employment, then the deductibility of a traditional IRA contribution is subject to earnings limits that can be found on the IRS website. The contribution may be fully, partially, or not deductible. Income limits also apply to the eligibility of Roth IRA contributions if the employee is covered by a retirement plan at work.

Building a robust retirement plan takes time but is imperative to supplement Social Security or pensions in retirement. Taking risks at a younger age by investing mostly in equities has historically been the best way to beat inflation and take advantage of compounding.

Compounding occurs when investments in assets generate earnings, and those earnings are reinvested, and they generate earnings. For example, a $10,000 initial investment that generates 10% annually for 25 years would grow to almost $110,000.

Strive to save at least 10% of your paycheck in a workplace retirement plan to build a nest egg to supplement other streams of income in retirement. Diligently saving and investing over a long period of time by making regular, monthly contributions into a retirement plan that includes the appropriate allocation of equities for your age is a great way to save for the future.

Speaking of Social Security, most people have heard of the large cost-of-living increase coming in 2023. The Social Security Administration has announced an 8.7% cost-of-living increase for 2023. All recipients, including future recipients, will benefit from this raise.

It is imperative to understand that Social Security was never intended to be the main source of retirement income for retirees. It was signed into law by President Franklin D. Roosevelt and was designed as a social insurance program to provide a minimum amount of security to workers that have contributed. It has evolved over the years to provide disability, widow’s and children’s benefits for a deceased earner, and other benefits.

Many contributors wonder about the future of Social Security; this future will have to be addressed someday by our government. Currently, according to the Social Security website, the trust fund will run out in 2037. At that time, current payroll tax collections will cover 76% of the benefits that will be paid out. Either benefits will have to be cut, payroll taxes increased, or the age at which a worker becomes eligible increased — perhaps a combination of all three.

Take responsibility for saving for your own retirement and utilize the generous tax benefits that qualified retirement plans provide.

 

Barbara Trombley, MBA, CPA is an owner and financial consultant with Trombley Associates. Securities offered through LPL Financial. Member FINRA/SIPC. Advisory services offered through Trombley Associates, a registered investment advisor and separate entity from LPL Financial. This material was created for educational and informational purposes only and is not intended as ERISA tax, legal, or investment advice.

Women in Businesss

Dishing Out Something Different

 

Nosh’s colorful menu boards

Nosh’s colorful menu boards offer plenty of options for vegans, vegetarians, and carnivores alike.

Growing up in Monson, with a father who worked in auto-body services, a young Teri Skinner occasionally visited downtown Springfield with her mother to pick up parts or paint, and they’d make time to stop by Johnson’s Bookstore and other bustling shops.

“I remember loving downtown Springfield,” she said. “Coming from a small town like Monson, there were so many things to do here.”

In the early days of running her restaurant, Nosh, in the Shops at Marketplace — just a few steps from the former Johnson’s site — she recalls the streets downtown being much quieter than they were in her childhood.

Then, a few years ago, she noticed a change.

“It didn’t happen overnight, but leaving here, I started thinking, ‘wow, there are people downtown, just walking around.’ And it wasn’t just MGM, which is great asset, but a lot of community people who wanted to see Springfield become viable. And I just enjoy being down here — I love everything about it.”

Nosh, which just celebrated its sixth anniversary on Black Friday, wasn’t something Skinner planned to operate long-term when she started selling breads and pastries at Marketplace during the summer of 2016.

At the time, she was running a small catering operation out of her home, following a stint at a catering company in Worcester that had burned her out with 70- to 80-hour work weeks.

“What caught my eye was this big wall, and I could picture a menu on it. And I was like, ‘yeah, I can do something with this.’ I had no idea what the menu was going to be; I just knew I could pull it off.”

The owners of Simply Serendipity, a clothing boutique at the Shops, approached Skinner about selling her baked goods at a farmers market on Market Street, the alley that runs behind Main Street between Harrison Avenue and Bruce Landon Way.

“As the summer progressed, people were saying there’s not enough places to eat downtown, so I started bringing sandwiches and salads. Then, as the weather cooled off, I was bringing soups. It was basically a pop-up restaurant every week, with a little table and a tent outside. The BID provided us with small café tables, so people could actually sit out here and eat, which was nice because it’s such a cool space back here.”

She thought that would be the end of that enterprise, but as the cool weather approached, a small space opened up in the Shops, and one of the property owners approached Skinner about it. “She opened up this door, and it was a closet. But what caught my eye was this big wall, and I could picture a menu on it. And I was like, ‘yeah, I can do something with this.’ I had no idea what the menu was going to be; I just knew I could pull it off.”

Two weeks later, Nosh was born, with little equipment other than a commercial refrigerator and a panini press. “That’s how I built my menu, with those two items. I was making soups and sandwiches for the holidays. And during the holiday market, it was successful enough that I said, ‘all right, maybe we can do something with this.’ So we stayed.”

Six years later, Skinner is glad she did, not only growing and expanding her establishment, but getting ready to open up a second location in Gasoline Alley on Albany Street (more on that later).

 

Broader Palate

The expansion happened in 2018, when a pair of divided spaces became available, and Skinner contacted the property owner about taking over both sides.

“My small staff and I worked during the day, then worked at night tearing down walls and stuff. We opened a week before MGM opened,” she said. “It’s been great. The business continues to grow, even though we are so hidden back here. I still get people who come in and say, ‘I’ve lived in Springfield all my life, and I didn’t know this space existed, this whole street.’”

The larger space gave Skinner a chance to expand her culinary offerings, which still center on sandwiches, salads, soups, and baked goods, but a much broader variety of each.

“There were some good original eateries down here, like Nadim’s and the Fort, but not a lot of variety, or something that was our niche at that point,” she said, before recalling her stint working for a restaurant at the veterinary school at Tufts University when her former catering-company employer got the contract there.

“I’ve gotten some pushback on things; I got a one-star review because somebody didn’t like what was written outside. But I don’t want to put on a pretension that these aren’t things I hold dear to my heart. Sometimes, something triggers me, and it’s like, enough is enough.”

“A lot of first-year students would come in who were vegetarians or vegans, and that’s where I honed in on that aspect of the cuisine I present. We also had large-animal doctors who were carnivores, so I had to cook everything. And I felt a restaurant shouldn’t be limited to one cuisine, but should be able to serve all different palates. That’s what my vision was for this space.”

The restaurant has expanded over the years to Saturdays and a couple of evenings each week, but weekday traffic, especially foot traffic from the downtown office towers and surrounding businesses, have long been her bread and butter, as well as people visiting the MassMutual Center for events.

The pandemic posed challenges to all restaurants, but Skinner’s sister-in-law designed an online ordering platform, and Nosh switched to a delivery model, with the small staff doing all the deliveries themselves rather than use an entity like DoorDash. It also partnered with an intern from Baystate Health on a hospital-worker program, whereby people could donate $10 toward a meal for a local healthcare provider, which Nosh matched.

As restaurants reopened, patrons were once again able to enjoy Nosh’s decidedly funky interior design, bedecked in local art, antiques purchased by Skinner’s son and girlfriend, tables built by her husband, and the handiwork of a local woodworker who created countertops and the Nosh sign from reclaimed wood.

“I don’t like buying new things; I think we have enough abundance of things we can reuse and recycle,” she said. “So we try to be as mindful as we can in this industry about what we’re using for products and how they’re packaged and how they leave our establishment and what you can do with them afterward.”

The other dominant visual feature are the colorful, descriptive menu boards and the chalkboard paint covered with the staff’s thoughts — some amusing, some serious, especially around feminist values.

“I wouldn’t want a restaurant that looked like every other restaurant,” Skinner said. “I want my personality in here, and I think my personality is in here, as well as many of the people who work for me. It’s all coming through. We’re a team, so I want them to share their ideas.”

Outside Nosh, facing the alley, is a board that has been used for deadly serious messaging, from the transcript of the 911 call from the Uvalde, Texas elementary school to an angry quote from U.S. Rep. Jim McGovern in the wake of Roe v. Wade being overturned.

“These are frustrating times we live in, and I just don’t think we can be quiet about it any longer,” she told BusinessWest. “I’ve gotten some pushback on things; I got a one-star review because somebody didn’t like what was written outside. But I don’t want to put on a pretension that these aren’t things I hold dear to my heart. Sometimes, something triggers me, and it’s like, enough is enough. Obviously, when Roe overturned, that was just devastating.”

Inside the eatery are other messages promoting acceptance of all individuals. “All people, no matter what your beliefs are, should be accepted, no matter who you are and who you love,” she said, adding that the bathroom is dotted with still more messages. “We’ve had people erase them. Then we just go back and write it again.”

 

Take Two

Speaking of redoing things, Nosh will soon open a second location on Albany Street, part of a collective called Urban Food Brood that includes Monsoon Roastery, Corsello Butcheria, Urban Artisan Farm, and Happy Man Freeze Dried. The overall concept is part café, part food manufacturing, and part retail, Monsoon Roastery owner Tim Monson recently told MassLive, adding that he expects the operation to open before the end of the year.

A new commercial kitchen is being built for Nosh, which will offer a similar slate of offerings as the downtown location, starting off with breakfast and lunch menus. In the evening, Skinner plans to bring in guest chefs to cook dinner and show off their talents.

“It will have a market feel, with a lot of businesses in there, and we’ll take new businesses just starting off and incubate them, get them going,” she said. “The property owner here did the same for me when I opened up my closet — gave me good rent and was super supportive. Someone might have a great idea or a product they want to sell, but can’t afford a brick-and-mortar place yet. So we’re trying to create that sort of space there.”

And perhaps help someone else who has always loved Springfield find long-term success in the City of Homes.

 

Joseph Bednar can be reached at [email protected]