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BOSTON — Every year since 1963, the U.S. president has issued a proclamation announcing National Small Business Week, which recognizes the critical contributions of America’s entrepreneurs and small-business owners.

As part of the next National Small Business Week (May 1-6, 2016), the U.S. Small Business Administration takes the opportunity to highlight the impact of outstanding entrepreneurs, small-business owners, and others from all 50 states and U.S. territories. Every day, they’re working to grow small businesses, create 21st century jobs, drive innovation, and increase America’s global competitiveness.

“Help us identify the job creators, risk takers, and community builders who deserve public recognition for being small business champions,” said Massachusetts District Director Robert Nelson. “This is an opportunity for a banker, a chamber of commerce, a community organization, or even an individual to promote a business, a client, or even an employee that is having success.”

The Massachusetts District Office will recognize honorees in the following categories: 2016 National Small Business Person of the Year, Exporter of the Year, Jeffrey Butland Family-owned Business Award, Women-owned Small Business Award, Veteran-owned Small Business Award, Minority-owned Small Business Award, Microenterprise of the Year, Manufacturer of the Year, and Financial Services Champion.

The deadline for submitting nominations is Jan. 11. The nomination form and eligibility guidelines are available at www.sba.gov/ma.

Briefcase Departments

Difference Makers Nominations Due Nov. 20

WESTERN MASS. — Do you know someone who is truly making a difference in the Western Mass. region?
BusinessWest invites you to nominate an individual or group for its eighth annual Difference Makers program. Nominations for the class of 2016 must be received by the end of the business day (5 p.m.) on Friday, Nov. 20. Nominations can be completed online HERE and clicking ‘Our Events.’ Difference Makers was launched in 2009 as a way to recognize the contributions of agencies and individuals who are contributing to quality of life in this region.

Four Nonprofits to Share Space at GCC’s Downtown Center

GREENFIELD — Four nonprofit organizations that serve Western Mass. will share office space at Greenfield Community College’s Downtown Center as a base for building stronger relationships with the people and organizations of Franklin County. The Community Foundation of Western Massachusetts, the Economic Development Council of Western Massachusetts, Leadership Pioneer Valley, and the Women’s Fund of Western Massachusetts will each staff the office one day a week. “In general, the idea behind this partnership is that we are stronger together,” said Katie Allan Zobel, president and CEO of the Community Foundation of Western Mass. (CFWM). “We’re all better, more effective, and more well-informed when we can share our resources, information, and energy.” She noted that the Community Foundation has had an office at the GCC Downtown Center since January 2014. “GCC President Bob Pura generously provided us with a space where we could hold regular office hours, offer training opportunities, and have donor conversations that would be more convenient for those we served in the Upper Valley. This has resulted in many, many more conversations and, thus, more learning about the specific issues and needs in Franklin County.” Allan Zobel continued, “we realized that other organizations serving the Pioneer Valley without offices in Franklin County might also benefit from using this space. Since the CFWM was only using the office one or two days a week, it seemed obvious that others could benefit from sharing the space with us. Bob agreed. After several conversations, the groups selected days of the week each would hold office hours and one day a month when all the groups would gather to update each other on work and to explore possible collaborations.” Pura, applauding the new collaboration, added, “this is a win for each organization, a win for the community, and especially a win for those who will benefit directly from this collaboration. As I have said on many occasions, this community is a best practice for collaborations, and this adds to that body of evidence.” Lora Wondolowski, executive director of Leadership Pioneer Valley, noted that “Leadership Pioneer Valley is committed to the whole region, but having a primary address in Springfield can be offputting for those in Franklin County. We look forward to expanding our presence in the community and to getting beyond the traditional boundaries that separate Western Mass. counties and organizations. I believe there is power in this collaboration that will be greater than the sum of what each organization is doing individually.” Added Rick Sullivan, president and CEO of the Economic Development Council, “it is important to have a physical presence in Franklin County and to build working relationships with the leaders, businesses, and citizens of the County. Bob Pura has been very helpful in providing this opportunity for our four organizations to have a base in Franklin County.” Finally, Elizabeth Barajas-Román, CEO of the Women’s Fund, said that “Franklin County residents can teach us a lot about how to work together for greater impact. This partnership with like-minded organizations is a terrific example of how we are deepening our understanding of the region and each other.”

EANE Announces Findings of Salary & Budget Survey

AGAWAM — The Employers Assoc. of the NorthEast announced its findings from the 2015-16 Salary & Budget Survey, with close to 100 companies participating from Massachusetts, Connecticut, and Rhode Island. The survey results include numerous breakout reports to meet employers’ diverse data requirements for compensation planning, including salary and pay increases based on industry segment, job category, and more. The survey addresses salary increases for the period of July 2014 to June 2015, and also forecasts salary changes for July 2015 to June 2016. Overall, manufacturing employers participating in the survey indicated employees received, on average, a 2.7% increase for 2014-15, while non-manufacturing participants averaged a 3.0% increase. Both categories are holding steady with the forecast for pay raises. Manufacturing participants projected an overall 2.8% increase for 2016, while the non-manufacturing group forecasted a 2.6% increase, on average. Factored into the data are companies that reported there would be no increase or decrease. “Given the multitude of other factors competing for funds — from healthcare and other benefit costs to capital investments — it is not surprising to see limited increases,” said Mark Adams, director of HR Solutions for the Employers Assoc. “That said, we know that employers want to give raises to keep top talent.” For a full summary of results, visit eane.org/salary-budget-survey-results.

Redevelopment Authority Approves Two Proposals

HOLYOKE — The Holyoke Redevelopment Authority (HRA) board reviewed and accepted two private investment proposals at its Oct. 21 meeting, directing Planning & Economic Development staff to negotiate and finalize agreement terms over the next few weeks in accordance with the city’s Urban Renewal Plan (URP) titled “Connect. Construct. Create. — A Plan for the Revitalization of Center City Holyoke.” The first proposal, by WinnDevelopment, would create approximately 100 units of mixed-income housing for rent at 216 Appleton St., with on-site parking on the first level of the building, community space, and on-site leasing offices for tenants. The development concept for the property will seek funding through historic preservation and housing tax credits over the next two years, which Winn has abundant experience securing for similar mill-redevelopment projects throughout Massachusetts. The project is estimated to represent a $38 million investment. The second proposal, submitted by Bueno y Sano/Good & Healthy Inc., intends to temporarily lease land between Main and Race streets along the second-level Canal Walk to establish a mobile-food-truck operation that would produce a new line of smoked-meat menu items, for sale both on site and at its stores in Northampton, Springfield, West Springfield, Amherst, and Acton, as well as Burlington, Vt. Bueno y Sano is a Western Mass.-based, family-owned restaurant business serving burritos, tacos, quesadillas, and salads. The operations are expected to be set up during the spring of 2016. “We’re happy to be part of the excitement in Holyoke,” said Bob Lowry, owner of Bueno y Sano/Good & Healthy Inc. “There is a strong sense of possibility and purpose. That is a great combination.” Mayor Alex Morse praised the Redevelopment Authority for its actions, noting that “the success in attracting projects like these isn’t a coincidence. It takes many years of aggressive marketing and hard work to make sites ready for private interest and successfully execute the city’s Urban Renewal Plan. I thank WinnDevelopment and Bueno y Sano for their interest to invest here and look forward to welcoming them to Holyoke.”

Cover Story Events WMBExpo

Wednesday, November 4, 2015
MassMutual Center, Springfield

WMBExpo 2015 LOGOWMBExpoGuide2015sponsors2

The big day is almost here.

And by big, Kate Campiti, associate publisher of BusinessWest, means big. That’s the easiest and perhaps the best way to describe the fifth edition of the Western Mass. Business Expo, produced by BusinessWest and HCN.

It will be big in terms of size and scope — more than 2,500 attendees are expected, and there will be more than 125 businesses exhibiting — and also in its impact when it comes to showcasing the region’s business community and providing the invaluable insight needed to thrive in an increasingly competitive global economy.

And, as always, it will be very big with regard to creating networking opportunities.

“We like to say this show is all about creating connections,” said Campiti. “And connections come in many forms. People can connect with other business owners, they can connect with local and state agencies that provide needed assistance, and they can connect with concepts about how to become better at what they do.”

WMBExpoGuide2015-1Go HERE to view the 2015 WMBExpo Show Guide

The show, which will kick off with the Springfield Regional Chamber’s November breakfast, featuring keynoter Dan Kenary, CEO and co-founder of Harpoon Brewery, will feature more than eight hours of programs that will be informative, educational, and inspirational, and will bring together popular elements from Expos past and introduce some new ones.

In that first category, will be informative seminars, more than dozen of them, in tracks ranging from sales and marketing to ‘hottest trends’; a popular retail corridor; a pitch contest staged by Valley Venture Mentors; and the event-capping Expo Social, one of the region’s best networking events.

In that latter category will be a multi-faceted focus on the region’s precision manufacturing sector and the workforce challenges facing it. That focus includes robotics and machine tooling demonstrations; exhibits created by area vocational students on the various tools or their trade and ongoing efforts to forge partnerships with area manufacturers; and a luncheon program featuring Alison Lands, senior manager in Deloitte’s Strategy & Operations practice.


Business Expo Looks to Build Momentum for Manufacturing


She served as a co-author and editor of the New England Council and Deloitte’s recently published report, Advanced to Advantageous: The Case for New England’s Manufacturing Revolution, and her talk will be focused on that document.

This year’s pitch contest will have a new and intriguing twist. This year’s event, which represents a partnership between VVM, the Economic Development Council of Western Mass., the Small Business Administration, and entrepreneur sponsor Meyers Brothers Kalicka, will feature the debut of the InnovateHER pitch competition.

The InnovateHER Challenge is a national prize competition aimed at unearthing products and services that impact and empower women and families through local business competitions. The winner of the Nov. 4 VVM Pitch Contest will advance to the next round of the national InnovateHER competition, with a chance to compete for $70,000 in prize money.

The five contestants at the VVM competition, who will have booths at what’s known as Startup Row and thus can be visited throughout the day, and will stage a preview of their pitches on the Show Floor Theater from 1 to 1:30 p.m., are:

• AuthenFOOD, which enables customers to order food online and reviews local chefs and bakers;
• Bhlue Publishing, LLC, which provides career guidance for young people that focuses on success without a four-year degree;
• Do+Make Business District, an online community and school for what it calls “solopreneurs escaping the 9-5”;
• Hot Oven Cookies, which promises to “deliver comfort in a cookie”; and
• Wonder Crew, a toy company that “offers boys a more expansive play experience, one where they can be strong and emotionally connected.”

Expo attendees will have the opportunity to choose which of those five they think will prevail in the competition. Those who guess correctly will win a beverage for the social.

The region’s healthcare sector will be prominently displayed at the Expo, with a designated corridor. It will be populated by Holyoke Medical Center, HealthSouth, MedExpress Urgent Care, Porchlight VNA/Home Care (which willk be offering flu shots), Ex Physical Therapy, and many other area companies.

A returning feature will be the Retail Corridor, which made a popular debut in 2014. It will feature a host of area companies featuring holiday gift items in a range of categories, from therapeutic massage to chocolate; cosmetics to jewelry; fruit baskets to Springfield Falcons tickets.

Meanwhile, new this year is the Business Support Center, which, as that name would suggest, features a number of exhibiting economic-development-related agencies that exist to support business owners and managers.

Participating agencies include the Economic Development Counsel of Western Mass., the Mass. Office of Business Development, the Kittredge Center at Holyoke Community College, the Mass. Export Center, the Holyoke Innovation District, and the Mass. Small Business Development Center, among many others.

The Expo will again be presented by Comcast Business, which has been the show’s lead sponsor since HCN and BusinessWest began producing it in 2011. Director-level sponsors are Health New England, Johnson & Hill Staffing Services, MGM Springfield, and Wild Apple Design Group. The Isenberg School of Management at UMass Amherst is the education sponsor, 94.7 WMAS is the media sponsor, Peerless Precision, Smith & Wesson, the NTMA, and the Larry A. Maier Memorial Educational Fund are the Robotics and Manufacturing sponsors, and Meyers Brothers Kalicka is Entrepreneur sponsor.

WMBExpoEventSchedule2015

Events Features WMBExpo

This year’s show to feature programs and exhibits focused on manufacturing

“Oscar’ the robot

“Oscar’ the robot will be putting talents on display at the Western Mass. Business Expo on Nov. 4.

The large team of organizers for the Western Mass. Business Expo is busy with hundreds of details, large and small, as the Nov. 4 show approaches, including creation of nametags for those in the many categories of ‘participant.’

One of those tags will require just a single word: ‘Oscar.’ That’s the name given to the robot created by a team of Agawam High School students for a FIRST (For Inspiration and Recognition of Science and Technology) Robotics Competition staged earlier this year.

FIRST, an international, K-12, not-for-profit organization founded to inspire young people’s interest and participation in science and technology, said there were more than 3,000 entries, including Oscar, for a competition, or game, called Recycle Rush. As the name suggests, these robots were programmed to stack storage totes and recycling bins; Oscar ranked 65th in New England, just missing qualifying for the NE FIRST District Championships by five points.

Oscar, created by a team called ROSIE (Recognizing Outstanding Science-inspired Education) Robotics, will be putting his various talents on display at the Expo — show attendees may actually get an opportunity to take the controls — thus playing a significant role in a multi-faceted effort to spotlight one of the most important sectors of the region’s economy, precision manufacturing, and the many challenges facing it.

Indeed, while the Expo will showcase virtually every sector of the local economy — from banking to retail; healthcare to technology; education to tourism — this, the fifth edition of the show, will feature a number of programs and exhibits focused on manufacturing and efforts to return this once-proud industry to prominence in the region.

Individual elements of this focus on manufacturing and the workforce issues it now faces include a luncheon program hosted by the Professional Women’s Chamber of Western Mass. The keynote speaker will be Alison Lands, senior manager in Deloitte’s Strategy & Operations practice. She served as a co-author and editor of the New England Council and Deloitte’s recently published report, Advanced to Advantageous: The Case for New England’s Manufacturing Revolution, which will form the basis of her talk.

It will also include participation by several area high schools, which will be spotlighting not only robotics, but also their machining programs, which play a vital role in maintaining a steady flow of workers to area manufacturers.

In addition to Agawam High School, Putnam Vocational Technical Academy and Westfield Vocational Technical High School will be taking part in the show. They will be showing off display computers, 3-D printers, and other equipment, and providing simulations of precision-manufacturing processes.

The focus on this sector is critical, said Kristin Maier Carlson, president of Westfield-based Peerless Precision Inc., who noted that many young people — and their parents, unfortunately — have a perception of manufacturing that is outdated and inaccurate.

“The view that people have is from way back when — that this is not a job to be in,” she told BusinessWest. “Actually, you need a lot of skill to be machinist, and this is a very viable alternative for those who are not looking to go to college.”

She said that, while running operations at Peerless, she’s also on a mission to help people get an accurate look at her industry and perhaps become motivated to join it. Actually, her work is a continuation of her father’s mission to achieve that same end.

Larry Maier acquired Peerless in 1997, and years later took a leadership role with the National Tooling & Machining Assoc. (NTMA) and its efforts to educate several constituencies about precision manufacturing with the goal of securing an adequate future workforce for shops here and across the country.

When her father was diagnosed with colon cancer, Maier Carlson, who said she grew up working at the shop sweeping floors and later cutting material on a band saw, returned to this region from San Diego to help determine its future course. By the time Larry succumbed to the disease, she had made up her mind not to sell the operation, but lead it to new heights.

While doing so, she is continuing her father’s work in education and building a workforce, and currently playing a leadership role at the NTMA. As part of that, she and other family members created the Larry A. Maier Memorial Educational Fund to help carry out the task of enlightening young people — especially those at the middle-school and even elementary-school levels — about the opportunities in manufacturing.

Money from that fund will be used to offset the costs associated with bringing the various high schools to the Expo and enabling them to show how their programs are both creating job opportunities and helping area manufacturers tackle the challenging workforce issues confronting them.

“Far more of our workers are closer to retirement than not,” said Maier Carlson. “We’re going to need to replace those workers, and this is an ongoing challenge. Area manufacturers need to partner with our area schools to not only educate people about opportunities in this field, but also provide the training necessary to help people become qualified to take these jobs. The Expo will showcase how these partnerships are working.”

As for Oscar, he will be one of at least two ‘competition robots’ that the ROSIE team will bring to the Expo, said Dana Henry, chief mentor for the team, adding that he expects these machines to turn some heads, impress attendees, and bring attention to careers that fall in the broad category called STEM — science, technology, education, and mathematics.

“We’ll have a half-dozen students there talking about the science, engineering, and manufacturing that goes into this,” said Henry. “We have to do all our own programming, wiring, machining, and CAD work for this — the whole ball of wax to build this 120-pound machine in six weeks. It should be very eye-opening.”

As will many other aspects of an Expo that has added a number of compelling elements to this year’s itinerary. Visit www.wmbexpo.com for more information and to register.


George O’Brien

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]

 

And the Winners Are …

HRU2HRU3HRUHRU1Human Resources Unlimited recently staged its annual employer recognition and fundraising event, which featured awards to several area businesses that help HRU carry out its multi-faceted mission.Top to bottom: HRU’s 2015 Employer of the Year Award went to Harrington Hospital.  Seen from left are: Sally Irvine of HRU’s Tradewinds program; Harrington Hospital President and CEO Edward Moore; Brittany Walker, program manager of Tradewinds; and Donald Kozera, President and CEO of HRU;  HRU’s 2015 Rookie Employer of the Year Award went to Plastipak Packaging. Front row (from left): ETS Career Services Senior Employment Coordinator Guss Ofori; Edgardo Antonmarchi, Karl Treat, and Rich Schroll, all with Plastipak Packaging; Pedro Martinez-Cruz, HRU’s ETS Career Services program; and Kozera. Back Row, from left: Paul Willridge, ETS Career Services, and Dean Kimber and Maryann Ayala of Plastipak Packaging; HRU’s 2015 Sheldon B. Brooks Employer Lifetime Achievement Award Winner was the YMCA of Greater Westfield. From left: Dan Flynn, COO for Wholesale Banking, United Bank; Dave Wunch, maintenance director, YMCA of Greater Westfield; Andrea Allard, CEO of the YMCA of Greater Westfield; and Ashley Ethier of HRU’s Forum House program; HRU’s 2015 Armand Tourangeau Volunteer of the Year Award Winner was John Ernst. From left: Timothy Marini, HUB International New England (formerly FieldEddy Insurance); John Ernst, Ernst Financial Group; Carol Tourangeau, wife of the late Armand Tourangeau; and Kozera.

 

 

Branching Out

Boys-and-Girls-Club-of-West-Springfield
Farmington Bank celebrated the opening of its first branch in western Massachusetts at 85 Elm St. in West Springfield on Oct. 15  with a ribbon cutting ceremony attended by area business, municipal and community leaders. As part of the ceremony, the Farmington Bank Community Foundation announced donations to four area nonprofit organizations, which included a $2,500 contribution to the Boys & Girls Club of West Springfield. Seen here, from left, are: Mike Moriarty, Farmington Bank senior vice president, commercial team leader, and Boys & Girls Club of Springfield board member; Dan D’Angelo, Boys & Girls Club of West Springfield executive director; John Patrick, Farmington Bank chairman, president, and chief executive officer; and John O’Farrell, Boys & Girls Club of West Springfield director of development. The Farmington Bank Community Foundation also announced donations to West Springfield Partnership for Education, Greater Springfield Habitat for Humanity; and Cancer House of Hope.

 

Downtown Arrival
SCdowntown

Springfield College hosted an Open House and Ribbon Cutting ceremony on Oct. 21, in recognition of its new office space at 1350 Main Street in downtown Springfield. Springfield College President Mary-Beth Cooper joined Springfield Mayor Domenic Sarno in leading the ceremony. Both Cooper and Sarno highlighted the college’s strong and rich commitment to the city of Springfield. Tours of the new office and conference room space were available for the individuals in attendance. The downtown office will assist the college in working more closely with city officials, organizations, and schools. It will provide new opportunities for experiential learning and collaborative planning. Here, from left, Springfield College Trustee Emeritus Lyman Wood, current Springfield College Student Trustee Jonathan Reidy, Cooper, Sarno, and Springfield College Trustee James Ross III help cut the ribbon.

 

 

Super 60 Celebration

Super60AwardSuper60DiasThe Springfield Regional Chamber of Commerce staged its annual Super 60 Awards Luncheon on Oct. 23. The event recognizes top-performing companies in two categories: Total Revenue and Revenue Growth. Top, Wonderlyn Murphy, center, president of City Enterprise Inc. (No. 1 in the Growth category), receives her honor from Jody Gross, director of Business Development for Health New England, and Luke Kettles, senior vice president and chief lending officer for Berkshire Bank. Bottom, keynote speakers Emily and Oliver Rich, a.k.a. the Tea Guys, talk about their Whately-based venture.

 

Daily News

AGAWAM — The Employers Assoc. of the NorthEast announced its findings from the 2015-16 Salary & Budget Survey, with close to 100 companies participating from Massachusetts, Connecticut, and Rhode Island.

The survey results include numerous breakout reports to meet employers’ diverse data requirements for compensation planning, including salary and pay increases based on industry segment, job category, and more. The survey addresses salary increases for the period of July 2014 to June 2015, and also forecasts salary changes for July 2015 to June 2016.

Overall, manufacturing employers participating in the survey indicated employees received, on average, a 2.7% increase for 2014-15, while non-manufacturing participants averaged a 3.0% increase. Both categories are holding steady with the forecast for pay raises. Manufacturing participants projected an overall 2.8% increase for 2016, while the non-manufacturing group forecasted a 2.6% increase, on average. Factored into the data are companies that reported there would be no increase or decrease.

“Given the multitude of other factors competing for funds — from healthcare and other benefit costs to capital investments — it is not surprising to see limited increases,” said Mark Adams, director of HR Solutions for the Employers Assoc. “That said, we know that employers want to give raises to keep top talent.”

For a full summary of results, visit eane.org/salary-budget-survey-results.

Retirement Planning Sections

For the Long Haul

By KATE KANE

Kate Kane

Kate Kane

Some people have a clear idea of how they want to live once they stop working. For many others, however, retirement is a step into the great unknown. The problem is, without a road map for turning your savings into a sustainable stream of income, it’s difficult to create the type of lifestyle you want for the future.

Planning for retirement is a lifelong process that should begin as soon as you start working and continue throughout your retirement years. Whether you are five years from retiring or 30, the following steps can help you achieve financial security for when the big day finally comes.

1. Practice Retirement

Like most people, you may spend years fantasizing about the day when you can finally stop working. But what will your retirement look like? Financial experts recommend that you think about what you want to do when you retire and then ‘practice’ some of it first.

For example, if you’d like to move to a warmer climate, try vacationing there several times to get a sense of what it might cost and how it feels not just in the winter, but in the heat of summer. Or, if you plan to watch your grandkids full time, take a week or two to do a test run. The goal is to try out your plans, determine whether you truly enjoy and can afford them, and make needed adjustments before you commit.

2. Match Your Expenses and Income

As you think about your lifestyle in retirement, your expenses will fall into two groups: essential expenses (your needs) and discretionary expenses (your wants). Within discretionary expenses, you also may have one-time expenditures, such as funding a grandchild’s education or adding a sunporch to your home. Whether you make a spreadsheet on your computer or simply list your expenses on a pad of paper, the goal is to create a retirement budget that captures as many anticipated costs as possible.

Next, consider the money you’ll have coming in. Typically, retirees draw from three categories of income in retirement: guaranteed sources of income (such as Social Security, pensions, and lifetime income annuities), savings and investments, and any employment income.

Once you know what you’re likely to have coming in, pair your income and expenses based on their priority, matching your needs with your guaranteed income sources first. If the predictable income you expect won’t cover all your essential expenses, you may want to either adjust your plans or consider converting a portion of your savings into a regular stream of income. Conversely, if you have a surplus, you can use the extra money to cover any discretionary expenses.

3. Decide Which Account to Tap First

One way to maximize the amount of money you may have in retirement is by planning the order in which you spend your different investment accounts. The starting point is to consider whether you plan to use your assets for ongoing expenses in retirement or to pass them along to your heirs or charities.

For many, it makes sense to draw from taxable accounts first in order to keep the assets in retirement accounts growing tax-deferred for as long as possible. Tax-exempt accounts, such as Roth IRAs, should be spent last. However, there is no rule of thumb when it comes to the order in which you should liquidate your assets.

If you plan to pass your assets along to your heirs or charities, you may want to spend tax-deferred assets with the intention of bequeathing taxable assets, which receive more favorable tax treatment when inherited.

The order in which you withdraw your retirement savings is an important decision that becomes even more complex once you reach age 70½. That’s when you must begin taking annual required minimum distributions from your IRAs and retirement plans.

Because each person’s situation is unique, you should include both your financial professional and tax advisor in these discussions.

4. Protect Your Savings

Consider putting enough money into a savings or liquid money-market account to cover your withdrawal needs for at least two years. This can help prevent taking money out of your investments when the market and share prices are trending downward.

If you haven’t already, consider funding a long-term-care (LTC) plan as well. LTC funding can help protect your retirement nest egg from the financial impact of the costs of extended care either at a facility or in your home.

5. Fine-tune Along the Way

Spending retirement assets can be even more complex than building them. Your retirement savings need to provide reliable income to meet your ongoing expenses for the rest of your life. Reviewing your plan annually and keeping it current is vital to making this happen.

Consider just some of the things that can change in a year: your marital or health status could change, your investment returns and inflation rate could fluctuate, and your employment status and expected retirement date might shift. Each of these can have a profound impact on the amount of money you may have to spend in retirement.

That’s why it’s important to work with a financial professional who understands that retirement planning is an ongoing process — someone who knows what it takes to accumulate assets for retirement, mitigate the risks that can affect your retirement years, and turn your funds into a distribution plan designed to generate sufficient income to meet your lifestyle needs for as long as you need it to.

This article was prepared by Northwestern Mutual with the cooperation of Kate Kane. Kane is a wealth management advisor with Northwestern Mutual, the marketing name for the Northwestern Mutual Life Insurance Co. (NM), Milwaukee, Wis., and its subsidiaries. Kane is an agent of NM based in Springfield; (413) 748-8700; [email protected]; springfield-ma.nm.com. This information is not intended as legal or tax advice.

Daily News

HOLYOKE — Lisa Pack of Holyoke Medical Center has been named Nurse of the Year by the March of Dimes Massachusetts Chapter in the category of Labor and Delivery. This is the third consecutive year a Holyoke Medical Center nurse has received this elite distinction.

“Lisa is highly deserving of this prestigious recognition,” said Spiros Hatiras, president and CEO of HMC and Valley Health Systems Inc. “Holyoke Medical Center prides itself on its exemplary team of professionals such as Lisa, who demonstrate consummate skill and deep compassion in providing critical nursing care.”

Added Pack, “I am humbled to be recognized by the March of Dimes to be chosen for this award. I feel blessed to be a member of the Birthing Center staff, where I have now worked for 22 years since it opened. It is a job I love and where we work as a team to support and empower women to have the birth they desire. I am also deeply committed to MotherWoman and postpartum depression, for which I facilitate a weekly support group at Midwifery Care of Holyoke.”

Pack will be honored at a reception in the Holyoke Medical Center lobby on Monday, Oct. 26 at 2 p.m.

The Nurse of the Year Awards is a statewide event that recognizes exceptional nurses, creates awareness of professional excellence, and promotes the future of the nursing profession, while helping to advance the mission of the March of Dimes. The selection committee reviewed applications in the categories of Advanced Practice, Community Health, Public Health, Education, Neonatal, Nurse Researcher, Administration, Pediatric, Family Medicine, Women’s Health, Student Nurse, Maternal/Newborn, Labor and Delivery, and Antepartum. More than 75 finalists emerged, and 17 were chosen to receive top honors in the various categories.

Banking and Financial Services Sections

Advice — on the House

By CAROLYN BOURGOIN, CPA

Carolyn Bourgoin

Carolyn Bourgoin

Many of us find ourselves working from home, either out of necessity or by choice. Both self-employed taxpayers and employees can qualify for a home office deduction for the business use of their residence as long as they have met a set of strict conditions.

Employees in particular will have a more difficult time passing all the tests necessary to qualify, because they have the additional requirement of proving that the home office is for the convenience of their employer.

In order to qualify, a taxpayer must use the home office space on a regular and exclusive basis as one of the following:

• A principal place of business;
• A place for meeting or dealing with clients, patients, or customers in the normal course of business; or
• In connection with the taxpayer’s trade or business, if the home office space is a separate structure from the residence, such as a detached garage.

Regular and Exclusive Use

The regular-use and exclusive-use requirements of a home office are separately examined to determine if the conditions are satisfied.

An IRS publication states that regular use is satisfied when a specific area is used for business on a continuing basis. Though a space may be used exclusively for home office use, the occasional or incidental use of the space is not sufficient to qualify.

In Christensen v. Comr, an international marketing manager was not allowed to deduct his home office expenses because he could not substantiate the frequency of meetings with clients. It is therefore important that a taxpayer be able to show continuity of use of the home office space through some credible means, such as a written log.

In order to meet the exclusive-use requirement, the home office space must be a portion of a dwelling unit that is used solely for carrying on the taxpayer’s trade or business. There is no requirement that the identifiable space be a separate room or a permanently partitioned area of a room.

However, where only a portion of a room is used and there is personal-use furniture in the room, the taxpayer will have a more difficult time establishing exclusive use. Even minimal personal use of the business portion of a residence may result in the home office failing to meet the exclusive-use test.

There are two exceptions to the exclusive-use rules, one of which relates to the storage of inventory if the home is the sole location of the trade or business, and the other to certain daycare facilities.

Where a taxpayer uses a home office for two different business uses, each business must qualify under the home office rules, or the related deductions will be disallowed.

Principal-place-of-business Test

As mentioned earlier, the regular and exclusive use of the space must be in connection with one of three categories of business use, the first of which is the principal-place-of-business standard.

When the home office is used on a regular and exclusive basis as the principal place of business of the taxpayer, then the related home office expenses will be deductible (subject to a gross income limitation). The principal-place-of-business test mainly benefits self-employed individuals who work out of their homes as well as employees whose employers do not provide them with office space.

Determining the principal place of business is often a highly contested matter when a business is conducted at more than one location. With the exception of administrative or managerial duties performed at a home office (discussed below), a home office found to be a secondary place of business will not afford the taxpayer a home office deduction.

The courts have taken into account two main considerations in determining the primary location of a business when a taxpayer works both at home and at another location. One consideration is the relative importance of the business activities of the taxpayer at each location, and the second is the time spent at each location.

For instance, an insurance salesman uses a home office to prepare for meetings with potential clients.  He meets with clients at their locations and closes his deals there. In this situation, the more important business activities of the taxpayer take place in the meetings at the client’s place of business. The home office is not the principal place of business.

A home office may also qualify as a principal place of business if it is used exclusively and regularly for administrative or managerial activities of a taxpayer’s trade or business where the taxpayer has no other fixed location of conducting substantial administrative activities. Legislative history shows that, when a self-employed taxpayer has an option to use an administrative office away from home but chooses to use office space at home to perform the administrative duties, the taxpayer can still qualify for the home office deduction.

In contrast, if the taxpayer is an employee as opposed to self-employed, failure to use available office space offered by his or her employer will be factored into whether an employee’s home office meets the convenience of the employer requirement. It is therefore more difficult for an employee to get a home office deduction where it is used for administrative activities.

Separate-structure Test and Separate-meeting-place Test

If a taxpayer’s home office use does not meet the principal-place-of-business test, the space can still qualify for the home office deduction where it is used regularly and exclusively to meet and deal with clients or patients or if it is a separate structure from the residence and used regularly and exclusively in the taxpayer’s trade or business.

In order to use the meeting-place test, the office space must be used to physically meet with clients, and the use of the space has to be integral to the employer’s business. With respect to the separate-structure test, there is no requirement that the taxpayer meet with patients or clients. An artist’s studio, greenhouse, or carpenter’s workshop could qualify. As with the principal-business test, an employee must show the use is for the convenience of his employer to meet either the separate-structure test or the client-meeting-place test.

Other Considerations

Anyone who is considering the home office deduction needs to assess whether the potential deduction is worth the record keeping (i.e. regular and exclusive use support) and the risk of an audit. An employee who qualifies will not receive a tax benefit unless the home office deduction, along with other miscellaneous itemized deductions, exceed the 2% floor of the employee’s adjusted gross income.

The amount of the home office deduction is also subject to limitations that are based on the income attributable to the taxpayer’s use of the home office. Additionally, if the residence holding the home office is later sold at a gain that would otherwise have been excluded from income tax under the principal residence exclusion ($250,000/$500,000), a portion of the profit equal to the amount of depreciation claimed on the home office will be taxable.

There are benefits to having a home office, but be sure to evaluate its use carefully when considering claiming this deduction. As always, be sure to speak with your tax professional if you have any questions.


Carolyn Bourgoin, CPA is a senior manager with Holyoke-based public accounting firm Meyers Brothers Kalicka, P.C.; (413) 322-3483; [email protected]

Opinion

There are many ways to measure the success of a college or university, everything from those rankings in USA Today — although we’ve always considered them very unscientific — to the number of Nobel Prize winners on the faculty; from enrollment figures to championships earned on the gridiron or basketball court.

And then, there are ways that are far more difficult to measure, such as a school’s ability to graduate students who are ‘workforce-ready,’ in whatever manner that phrase is put to use. And, in some ways, that’s the most important yardstick.

But the state’s university system is gaining significant ground in an area that is all-too-often overlooked, even though it shouldn’t be. And that’s the realm of innovation, as measured by the number of patents a school is awarded, the amount of licensing income earned, and the size of the research portfolio.

According to recent statistics released by the university, UMass moving up the ranks nationally and internationally in those categories, and while the net results from such movement may be hard to see with the naked eye, the Commonwealth certainly stands to benefit in the years and decades to come.

Among the highlights of the recent report:

• The five-campus university system was awarded a record 65 patents in FY 2015, which ended June 30;
• The school ranked 40th nationally and 53rd worldwide among universities awarded U.S. patents in calendar year 2014;
• UMass earned $34 million in licensing income from commercialization of its patented faculty investions in 2015, a $3 million increase from FY ’14, and the ninth consecutive year that licensing income topped $30 million;
• FY ’14 licensing income of $31 million placed UMass 14th in the nation among all universities;
• The UMass system now ranks in the top 40 nationally in research expenditures and is one of three universities in Massachusetts with research portfolios in excess of $600 million, along with Harvard and MIT; and
• UMass has earned more than $350 million from technology transfer over the past 20 years.

What do all these numbers and rankings mean? Using a little PR speak, the university’s recently named president, Marty Meehan, said, “the quest to create and transmit knowledge is at the core of our mission as a research university — and research and innovation also plays a critical role for our state and will determine our fortunes as we compete in the global economy.”

Roughly translated, this means that, in addition to educating students and readying them for the workforce, an institution such as UMass must also serve as an economic engine. It does so in several ways, from the thousands of people it employs to participation in what amount to economic-development initiatives, such as the creation of the UMass Center at Springfield, which opened a year ago.

But perhaps the most important way is through innovation that can spark new businesses, new economic clusters, and all-important jobs. It’s nearly impossible to say what 65 patents, $34 million in licensing income, and a $600 million research portfolio translates into when it comes to jobs and economic development. But suffice it to say that it means progress, and the university seems committed to creating more of it.

In short, the UMass system is certainly heating up as an economic engine, and it appears poised to deliver plenty of horsepower.

Daily News

SPRINGFIELD — Four lawyers from Skoler, Abbott & Presser, P.C. were honored recently among the Best Lawyers in America 2016, including partners Jay Presser and John Glenn, named Lawyers of the Year in Springfield in the categories of management and arbitration, respectively.

Since it was first published in 1983, Best Lawyers has become widely regarded as a guide to legal excellence. The program is based on an exhaustive peer-review survey. More than 79,000 attorneys have cast more than 6.2 million votes to date on the legal abilities of other lawyers in their practice areas. Lawyers are not required or allowed to pay a fee to be listed. Corporate Counsel magazine has called Best Lawyers “the most respected referral list of attorneys in practice.”

Presser was also listed in The Best Lawyers in America 2016 in the categories of employment law, management; labor law, management; and litigation, labor and employment. Glenn was also listed in the categories of arbitration; employment law, management; and labor law, management.

Presser has more than 35 years of experience litigating employment cases. He has successfully defended employers in civil actions and jury trials and handled cases in all areas of employment law, including discrimination, sexual harassment, wrongful discharge, wage-hour, FMLA, ERISA, and defamation. He has won appeals before the Supreme Judicial Court and the First and Second Circuit Courts of Appeals and represented employers in hundreds of arbitration cases arising under collective-bargaining agreements. He has been selected by his peers for inclusion in Best Lawyers every year since 1991.

“Recognition by one’s peers is among the most meaningful form of praise in the legal profession. To consistently earn the respect and recognition of my peers is humbling,” said Presser. “It is an honor to accept Best Lawyers recognition as Lawyer of the Year in Springfield for my practice of employment law, management.”

Glenn has been a partner of the firm since 1979 and spent his career representing management in labor relations and employment-related matters. In addition to providing employment-related advice to employers, he assists clients in remaining union-free and represents employers before the National Labor Relations Board (NLRB). He has extensive experience negotiating collective-bargaining agreements, representing employers at arbitration hearings, and before state and federal agencies. He has been selected by his peers for inclusion in Best Lawyers every year since 1995.

“It is a pleasure to accept Best Lawyers recognition as Lawyer of the Year in Springfield for my practice of arbitration,” said Glenn. “Recognition by my peers is a humbling — and significant — honor. I am fortunate to work alongside so many talented colleagues here at Skoler Abbott, many of whom have also earned the respect of the profession, the media, and the public from Best Lawyers, the most reliable, unbiased source of legal referrals anywhere.”

Meanwhile, partner Ralph Abbott Jr. was listed in Best Lawyers in the categories of arbitration; employment law, management; labor law, management; and mediation. A partner since 1975, he is known throughout the legal community for his work representing management in labor relations and employment-related matters, providing employment-related advice to employers, assisting clients in remaining union-free, and representing employers before the NLRB. Abbott also has numerous credits as an author, editor, and teacher, and a record of civic and community involvement. He has been selected by his peers for inclusion in Best Lawyers every year since 1989.

“We are honored to be listed in The Best Lawyers in America 2016,” said Abbott. “The recognition is especially humbling because each lawyer is independently nominated and subject to an extensive peer review process.”

Finally, partner Timothy Murphy has been listed in Best Lawyers in the categories of employment law, management; labor law, management; and litigation, labor and employment. Murphy joined Skoler Abbott after serving as general counsel to an area labor union and serving as an assistant district attorney for the Hampden County District Attorney’s Office. His practice includes labor relations and employment litigation, as well as employment counseling. He has been selected by his peers and listed by Best Lawyers every year since 2013, and was named the Best Lawyers 2015 Lawyer of the Year in Springfield for labor and employment law.

Education Sections

An architect’s rendering of the planned Pope Francis High School.

An architect’s rendering of the planned Pope Francis High School.

Many of the decisions hanging over Cathedral High School — and Catholic education in this region — since the tornado ripped through Springfield in 2011 have been answered. The diocese will rebuild, it will merge Cathedral with Holyoke Catholic, it will name the new high school after Pope Francis, and it will build the new facility for a population of roughly 500 students. But much work remains, principally the task of generating momentum for Catholic education at all levels, and creating a system that is truly sustainable.

Paul Gagliarducci says it’s likely ground won’t be broken for the new Pope Francis High School — the institution resulting from the merger of Springfield Cathedral and Holyoke Catholic High Schools — until September 2016.

While the location for the school (the site of the old Cathedral, destroyed by the 2011 tornado) has been chosen — after months of weighing various options — as has the name and nickname (Cardinals), and a working architect’s rendering of the facility has been circulated, much work remains to be done before a shovel can be put on the ground, he noted.

Indeed, administrators must decide how many classrooms to include, the nature and size of those facilities, and myriad other specifics before architects can begin, let alone finalize, designs, said Gagliarducci.

And from the big picture perspective, administrators involved in this endeavor have much more to do than construct a new school, he went on. They are also building enthusiasm — and a student body — for this facility, while also ensuring its long-term sustainability.

And all this is reflected in the unofficial title Gagliarducci, former school superintendent for the Minnechaug region and Somers, Conn., and long-time education consultant, now carries with regard to this endeavor.

That would be ‘interim executive director of the Pope Francis High School project,’ an assignment of indeterminate length — “I’m here as long as it takes to get the job done” — that will involve everything from coordinating the merger of the two schools to building the new facility, to designing a new governing structure for the diocese, all at a time when there are huge question marks hanging over the institution of Catholic education in this region and around the country.

Those question marks are reflected in statistics kept by the National Catholic Educational Assoc. (NCEA), based in Arlington, Va. They show that enrollment is not only down considerably from the peak years for Catholic education in the early ’60s, when there were 5.2 million students enrolled in 13,000 schools across the nation, but that the decline is an ongoing phenomenon, with no apparent bottom in sight.

Paul Gagliarducci

Paul Gagliarducci says the unofficial goal for Pope Francis High School is to make it one of the few Catholic facilities that has a waiting list for students wishing to enroll.

Indeed, total Catholic enrollment was 2.42 million for the 2004-’05 school year, less than half what it was 40 years earlier; 2.12 million for ’09-’10; and 1.94 million for ’14-’15, a roughly 20% falloff over a decade. The rate of decline was even more severe for pre-school and K-8. Enrollment for that constituency was 1.8 million for ’04-’05, 1.52 million for ’09-’10, and 1.38 million for ’14-’15, a nearly 25% drop.

There are many reasons for this decline, said Sr. Dale McDonald, PBVM, Ph.D., director of Public Policy and Education Research for the NCEA, who cited everything from the recession that came near the middle of this statistical period, to a sharp drop in the number of priests and nuns who once taught in Catholic schools, to the financial woes facing a number of dioceses across the country.

Overall, though, sharply falling enrollment comes down to a continuing decline in the number of people both willing and able to pay the tuition ($9,000 on average nationwide at the high school level, and $3,800 at the elementary school level) for a Catholic education.

Over the past decade, decline in enrollment has averaged between 1.8% and 2.5% per year, and 21% of the schools have closed, McDonald went on, and there is little, if anything, to indicate that this trend will slow, let alone stop.

“Unless we have some serious interventions, enrollment will continue to decline and schools will continue to close,” she said, adding that by interventions, she meant actions that would enable more families to afford those tuition figures mentioned earlier.

Cathedral and Holyoke Catholic have certainly not been immune to these trends. At Cathedral, for example, enrollment was at or near 3,000 in the early ’70s, and stood at merely 400 when the tornado tore across Springfield on June 1, 2011.

The current trends and uncertainly concerning the future certainly played a factor in the lengthy discussion about whether to rebuild Cathedral, where, and how — and also in the preliminary design of the school and projected capacity — roughly 500 students.

That’s about 115 more than the combined enrollment of the two high schools at present, said Gagliarducci, adding that this number reflects both realism and confidence moving forward.

“Looking at the group of freshmen coming in, the class of 2019, has just over 100 students, and that’s a pretty good number,” he said, adding that this is the combined enrollment for both schools, “If we can maintain that 100 to 125 students, and I think we can, we’ll have our 400-500 students and something we can build on.” Such confidence, he went on, stems from everything from the impact of a new facility on those weighing their education options, to efforts to emphasize the value and benefits of a Catholic education.

But making the school accessible to families of all income levels will be crucial, and for this issue and its focus on education, BusinessWest looks at that challenge and how it might be met.

Setting a Course

As he talked about his assignment, the Pope Francis High School project, moving forward, Gagliarducci said that while it doesn’t say as much on any formal or informal job description, his mission is to make the new facility one of those Catholic high schools that actually has a waiting list for enrollment.

Doing so will accomplish many things, he went on, listing everything from fiscal flexibility to greater prestige to long-term sustainability.

plan for the property on Surrey Road

While designs for the new school are still being finalized, the plan for the property on Surrey Road is coming into focus.

“Right now, people know we want them,” he said, referring to the current, and aggressive, recruiting efforts. “But if we can get to a point where we get 175 to apply and we only take the top 100 to 125, that’s going to bring some competition, and that’s going to be good for us; that’s what our hope is.”

Such an eventuality would have seemed impossible a few years ago, especially after Cathedral was relocated into a shuttered elementary school in Wilbraham months after the tornado — and this scenario still seems like a real stretch of the imagination to many.

But Gagliarducci and others involved with this endeavor believe such a fate is possible, if the school can focus on those two parts of the enrollment equation mentioned earlier, and put more people in those categories of individuals willing and able to pursue a Catholic education for their children.

Essentially, it will come down to the laws of supply and demand, and reversing the picture that has defined the scene both regionally and nationally for years — where demand doesn’t come close to approaching supply.

And that assignment will come down to a host of factors, said Tom Brodnicki, senior partner with Partners in Mission, a consulting firm specializing in Catholic education that has been hired by the diocese to help coordinate the merger of the high schools and raise money for the endowment fund.

He listed listing everything from building a market for Catholic education to growing the endowment so more students can attend; from broadening enrollment among certain demographic groups, such as the Hispanic population (more on that later), to convincing area parents that the sticker price for Pope Francis is a relative bargain; from building what he and others called a “culture of philanthropy” in the region, to convincing parents of the need to start saving early for a Catholic education for their children.

All of those action items would fall into that category of ‘interventions,’ as described by McDonald. The question is whether they will be enough to stem the current tide.

Indeed, creating a waiting list for Pope Francis will certainly be a challenge, said those we spoke with, noting that while there are, in fact, schools where demand exceeds supply (often where the supply has been reduced through a merger), there are many more that are closing their doors or merging with others, as has happened with the Springfield diocese.

Statistics from the NCEA show that while 27 new Catholic schools opened over this past school year, 88 consolidated or closed. And those numbers have become the trend over the past few decades, said McDonald, adding that the rate of closure and consolidation has actually slowed considerably because there are simply fewer schools left to take such steps.

And while the economy and even demographic trends have had something to do with these developments — the decline of many cities in the Rust Belt/Bible Belt has resulted in falling Catholic school enrollments in that traditional stronghold — tuition, the inability to meet it, and the fiscal difficulties that ensue, are the primary reasons.

“As tuition moves higher, fewer people are able to afford it,” McDonald noted. “But schools facing lower enrollment still have expenditures, or operating costs, and many of these costs are fixed or increasing dramatically, such as health insurance for teachers and staff.”

Per-pupil costs generally far exceed tuition and are met through fund-raising efforts by the diocese in question, she went on, adding that there is help available to families facing those tuitions costs ranging from scholarships to tax credits made available in many states.

But the burden is proving too steep for many, especially those families with several children in school at the same time, McDonald noted, adding that, overall, there is little prospect for improvement.

“Without programs that will provide help for families, it’s not a happy forecast in many respects,” she said, “when it comes to the ability of parents to continue to pay the tuition that’s required to have a quality education.”

One of the serious, and ongoing, challenges for those in Catholic education is attracting members of the Hispanic population, said Patricia Weitzel-O’Neill, president of the Barbara and Patrick Roche Center for Catholic Education at Boston College.

Hispanic populations are growing in most urban centers, including Springfield and Holyoke, and, overall, Hispanics comprise roughly 60% of the nation’s Catholic-school-age children (those ages 3 to 18), but only 2.3% of those children are enrolled in Catholic schools.

“This is the crux of the problem in Catholic education today,” she told BusinessWest, adding that there are several reasons behind that statistic, including the fact that many Hispanic parents did not attend Catholic schools, and doing so is not a “part of their culture.” But the inability to meet tuition costs is also a huge factor.

“One of the issues facing Catholic education today is the inability to recognize the need to diversify what we’re doing, to be much more welcoming, and to be more open to introducing and welcoming the second culture and the second language,” she said, adding that there is movement nationally to address the problem.

Crosses to Bear

It was in this environment that the Springfield diocese was forced to make critical decisions after Cathedral was essentially destroyed by the tornado.

And it took all of four years to make most of those decisions, including whether to rebuild, under what circumstances (eventually via a merger with Holyoke Catholic), where to build, and how big to build.

After surveying the landscape and analyzing the data, officials decided to build a 120,000-square-foot school that can handle a population of 500 students. That is a small fraction of the total number of Catholic high school students in this region from a typical year decades ago — and a figure smaller than many alums of those schools think is possible — but it is quite realistic, said Gagliarducci.

“Some people think we should be doing much better — some of the critics said earlier that this area should be able to support four high schools,” he said. “Dream on … that’s just not going to happen.”

But Gagliarducci stressed that the facility can, and hopefully will, be expanded to accommodate more students in the future.

Facilities such as the auditorium, gymnasium, and cafeteria are being designed for closer to 700 students, he went on, adding that they cannot be expanded later, and thus must be built accordingly. But additional classrooms and facilities can be added later.

Tom Brodnicki

Tom Brodnicki says that one challenge for the diocese is to convince parents that their tuitions costs are a sound investment.

When asked how the diocese intends to arrive at the point where Pope Francis will need to be expanded, Gagliarducci and Brodnicki went back to the laws of supply and demand.

By building a first-class facility — not only a new building, but one outfitted with the latest technology and offering attractive programs of study — they hope to build demand. And it will take more than a new structure, because several area communities, including Longmeadow, West Springfield, Wilbraham (Minnechaug), and Chicopee (two facilities) have opened new state-of-the-art high schools in the past decade.

“The key is to develop a program that parents can get excited about,” Gagliarducci explained. “But ultimately, if I’m deciding as a parent to send my child to Pope Francis High School, I’m doing so because I believe in a strong religious education for my kids, so that has to be the paramount thing that’s going to attract people.

“But then you have to follow that up with a rich academic program,” he went on, “one where, at the end of four years, students are getting into the college of their choice; that’s very important.”

By growing an endowment, meanwhile, they intend to increase accessibility. Also, with economies of scale gained through the merger, they expect Pope Francis to be an efficient operation, one better suited to manage through the time it will take to build the endowment and grow enrollment.

“We believe that with the new facility and some of the excitement that it builds — along with this endowment fund, which will help with the affordability factor for some families — that a school with a projected enrollment of 500 is within reason,” said Brodnicki. “The real key is the level of academic excellence that’s provided, and convincing people that they are making a valuable investment in their children’s future.”

Elaborating, Brodnicki and Gagliarducci said Catholic education has not gone out of favor — it has simply become a less-appealing option for many families due to its cost.

The initial goal for the endowment, set by Bishop Timothy McDonnell, who retired last year, was $10 million. But Gagliarducci and Brodnicki want to set the bar higher to broaden accessibility and therefore meet demand.

Approximately one third of the 200 students now attending Cathedral receive a substantial amount of financial assistance to attend, said Brodnicki, adding that a large endowment and other forms of philanthropy will enable more low-income families to attend the school.

But to achieve sustainability, the new school must be able to attract students across all income levels, said Gagliarducci, adding that the goal is to continue the current breakdown — where roughly one third of the students pay full tuition, another third get some support, and the rest get substantial assistance — only with a larger student population.

Building Momentum

Surveying the national Catholic education scene, Brodnicki, who has had a front row seat to the changing landscape and has worked in a number of major metropolitan areas, said most cities are experiencing declines consistent with the statistics quoted by McDonald.

The Boston area is a notable exception, he added quickly, noting that most Catholic schools there are thriving, in part because the economy is more robust, but more so because of strong philanthropic support from wealthy individuals, many of whom are graduates of those schools and now serve on their boards of trustees.

“A few things happened in Boston,” said Brodnicki. “First, the economy took off; second, there is incredible wealth and a strong tradition of philanthropy. There are a number of Catholic individuals who have come together and made a firm commitment to Catholic education, especially the inner-city schools.”

The Western Mass. Catholic community can’t expect to approach that level of support, he went on, but it can — and, in essence, must — build a stronger base of philanthropic generosity if it hopes to create a sustainable Catholic education system.

And he said Cathedral, and to a lesser extent Holyoke Catholic, has a large alumni base, with many individuals in a position to provide support. The diocese must be more aggressive in reaching out to alums and making its case for support, he went on.

“Cathedral has a reputation for having many well-known graduates who have achieved wealth,” Brodnicki explained. “We’re going to go and visit those folks and lay out the case for support.”

While building a stronger base of support through its endowment and other forms of philanthropy, the Springfield diocese must also more aggressively promote Catholic education and convince current young parents, as well as those that will follow them, that it is a viable option and worthwhile investment.

Part of this equation involves making Catholic education more of a K-12 phenomenon, said those we spoke with, who again cited the more-rapid rate of enrollment decline at the elementary school level.

Springfield is a good example of that trend; not long ago there were five Catholic elementary schools in the city, but by the time the tornado touched down, they had been merged into one — St. Michael’s Academy.

Meanwhile, the diocese, as it goes about selling the new high school, must also sell a Catholic education, and this one in particular, as an investment, rather than as an expense that must somehow be met.

“People often view that $9,000 as tuition, not necessarily as an investment, Brodnicki explained. “We have to show someone who’s looking at spending $40,000 on their child’s education that, on average, graduates of Cathedral and Holyoke Catholic are receiving scholarship opportunities that average in the $80,000 to $90,000 range; people have essentially doubled their money in four years. Give me a stock that will do that, and I’m all over it.”

Grade Expectations

How well Gagliarducci, Brodnicki, and the diocese fare with the many aspects of the Pope Francis High School project remains to be seen. With some elements of the equation, such as the endowment, real progress may not be realized for years.

One thing that all agree on, though, is that given the many changes and challenges confronting those in Catholic education today, this will certainly be a stern test.

Ultimately, though, they believe this is a test they can, and will, pass.

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

Commercial Real Estate Cover Story Sections

an architect’s rendering of the Mill District

Above, an architect’s rendering of the Mill District, the latest business venture for the Cowls/Jones family, which has operated everything from a farm to logging ventures, such as the one seen below, circa 1900.

Cowls Loggers 1900

Planting New Seeds at Cowls Mill District

It’s said to be a place “where history and opportunity meet.” That’s one of the marketing slogans being used for the Mill District in North Amherst. Over more than 250 years and nine generations of the Cowls/Jones family, the site has been home to everything from a trolley station to a cow barn; from one of the nation’s first electric saw mills to a massive building supply store. Now in its latest incarnation, it is being fashioned into a unique mixed-use facility, described, alternately, as a ‘destination’ and a ‘community.’

Cinda Jones says that each generation of her family, going back more than 250 years, has left its mark on the family business, which started as a dairy farm in what is now North Amherst — and also on the community.

Usually, several marks.

In 1741, for example, Jonathan Cowls, who would eventually serve the town as a selectman, acquired what was known as the Home Farm, which stretched across a long strip of land from what is now Route 63 west to the Hadley line. He would eventually expand the small farm into lumber manufacturing. And in 1768, Jonathan’s son, David Cowls, and Sarah (Eastman) Cowls built the farmhouse at 134 Montague Road. Nine generations of the same Cowls/Jones family have lived in that house, which has also served as the operations center for the family business.

Fast-forwarding more than 125 years, Walter Dickinson Cowls, or WD, as he was known, would expand that house. He would also help build the North Amherst Library and eventually give the family enterprise the name it still uses today — W.D. Cowls Inc. As a partner in Cowls & Childs, a contracting business, he built roads and undertook several large construction projects, such as the Amherst and Sunderland Street Railway System. He was also a selectman and later a state representative.

WD’s grandson, Walter Cowls Jones, meanwhile, would expand the business into real estate, and he’s credited with building one of the first, if not the first, electric saw mills in the country. He was Amherst’s water commissioner and chairman of the Planning Board. His son, Denison, founded DH Jones Real Estate in 1958 and built several apartment complexes. Denison’s brother, Paul, ran the family sawmill and timberland operations and built Cowls Building Supply on the Home Farm site in 1980.

“There’s a long legacy of business innovation and community involvement,” said Cinda Jones, Paul’s daughter and current president of W.D. Cowls Inc., and one that she and her bother, Evan, many cousins, and even a niece (the 10th generation involved with the family business) are continuing.

Cinda Jones, left, and Mollye Wolahan

Cinda Jones, left, and Mollye Wolahan stand in Sarah Cowls’ cow barn, currently being transformed into an Atkins Farms Country Market.

And while Jones and her bother have many accomplishments on their resumes — in 2011, for example, they orchestrated a deal that would preserve a 5.4-square-mile forest in Franklin County now named after their father — perhaps their most significant contribution to that family legacy is a development known as the Mill District.

An intriguing work in progress, it embodies the past, present, and future, and is an ambitious redevelopment effort that involves several of the buildings and business operations started or expanded by previous generations of the Cowls/Jones family.

For example, on the site of what used to be a trolley barn on the north side of Cowls Road sits a new development called, appropriately enough, the Trolley Barn. It now houses The Lift salon, the Bread & Butter restaurant, and several apartments on the upper floors. Across the street and a few hundred yards to the east, in what’s still known as Sarah Cowls Cow Barn (named after WD’s only child), an Atkins Farms Country Market is taking shape, with an August soft opening planned.

There are other buildings and sites still to be developed, including a 14,400-square-foot saw mill, a replacement for the one Walter Cowls Jones built and that burned to the ground in 2001; the so-called Onion Barn; several mill houses along Cowls Road, and former farmland stretching to Route 116 called Goat Meadow. Potential uses range from additional retail to facilities for the arts to senior housing.

But Jones told BusinessWest that this development is not simply about finding new uses for properties named by and for her ancestors. It’s also about creating what she described, alternately, as a community and a destination, something she believes is sorely needed in an area less than a mile north of the UMass Amherst campus and three miles from Amherst Center.

“The vision for the Mill District is for an eats, arts, and entertainment destination, built with respect for our industrial and agricultural past and reflecting that history,” she explained. “This is where history and opportunity meet; it would be a place where you would have unique experiences not found on the Internet, a destination for not just college students, but people of all ages.”

For this issue and its focus on commercial real estate, BusinessWest talked with Jones and Mollye Wolahan, vice president of Real Estate and Commercial Development for W.D. Cowls Inc. about the Mill District and how it has the potential to change the landscape in North Amherst in myriad ways.

Board Feat

As she talked with BusinessWest in that farmhouse on Montague Road built by David and Sarah Cowls, Cinda Jones was supremely confident that the new Atkins Farms market, and the Mill District as a whole, would thrive.

And when asked why, she quickly dove into a discourse on geography — and business — concerning that decidedly rural area north and west of Amherst, starting with the town of Gill, population 1,500, where she lives.

The new Atkins taking shape in the Mill District

The new Atkins taking shape in the Mill District, set for a soft opening next month, is expected to be an anchor for the North Amherst development.

“They call it a food desert around here, and with good reason,” she said, referring to the area that also includes Leverett, Shutesbury, Ashfield, Conway, Deerfield, and other communities from which people commute to Amherst and Northampton. “I live on Route 2, and there’s nothing between Amherst and Route 2 of any substance; there’s no grocery stores of any size.

“Most people who work at UMass, in Amherst, and in points beyond, commute from more-affordable towns,” she went on. “These commuters are demanding better shopping and stopping options on their way home.”

This food desert, coupled with the need to redevelop several of the family’s shuttered or underperforming facilities, such as the saw mill, eventually led to the years-long process of conceptualizing the Mill District and then making it reality.

“We always knew that we would have the chance to do what every generation before us did, which was to figure out what our generation needed and then build it on the Home Farm site,” Jones explained. “The saw mill was sucking wind — it was losing money on 20 acres of land a half-mile north of UMass Amherst, and we decided to build what we know this area needs.”

And also build what is permitted on the commercially zoned property, she added quickly, noting that attempts to amend the zoning to allow more residential density have thus far failed. If that situation should change, then the future course of the district may be reshaped. But for now, the company is dealing with the present reality — meaning both the zoning laws and needs within the community.

This goal for the property is captured in an architect’s rendering of the district that is used as a marketing piece. It shows a mixed-use facility teeming with activity of both sides of Cowls Road. The image represents that mix of commercial and residential development that is sought, as well as a sense of community that both Jones and Wolahan described.

“We want to create a sense of place here in North Amherst,” said Wolahan, who brings a diverse resume to her assignmemt, including work as community development director for the Town of Mountain Village, the resort town adjacent to Telluride in Colorado. “And we found with the opening of the Trolley Barn and also with people coming into our office to explore opportunities with us is that there is such a demand for services and activities in this area.

“There is a large community here that doesn’t have the same services available in downtown,” she went on, adding that there is considerable vehicular traffic in the area on Routes 116 and 63. “There are a lot of families and many students living here, and what we’re trying to do is build on what’s already here and create not just the bricks and mortar, but the sense of community as well.”

While talks with Atkins about creating a presence in North Amherst and, more specifically, on the Cowls/Jones property had been going on for years (more on them later) the first piece of the Mill District development was the Trolley Barn.

The Trolley Barn

The Trolley Barn, now home to The Loft salon, Bread & Butter restaurant, and several apartments, opened its doors last year.

The apartments on the second and third floors leased out quickly — no surprise in an area always starved for market-rate housing — but the businesses also got off to fast starts, said Wolahan.

“Bread & Butter was packed when it first opened,” she recalled. “And it has pretty much stayed that way ever since.”

What’s in Store

When asked how she eventually corralled Atkins as a tenant, Jones didn’t mince words, and only needed a few of them.

“We begged them, begged, them, begged them, and begged them some more,” she said, adding that to cinch a deal, the developers essentially took as much of the risk out of the equation as possible, building out the property to suit and pledging to expand it if (or, more likely, when, Jones predicted) need arises.

That property, a.k.a. the Cow Palace, was, as the name suggests, a functioning dairy barn until only a few decades ago and more recently served as a lumber-storage area. The property bears Sarah Cowls’ name, because it was her operation, said Jones, adding that she was a cattle farmer who also bred sheep, pigs, chickens, dogs, and peacocks, while also growing onions, corn, tobacco, and potatoes.

The barn was actually the third property on the site presented to Atkins as a potential new home, said Jones, adding that she first proposed the saw mill and later the Trolley Barn site, before the company became sold on the dairy barn.

As she offered BusinessWest a tour of the Atkins facility, Jones said the store represents mostly historic preservation, with most all of the old barn kept intact.

The new Atkins will not have a kitchen, so foods will not be prepared there, she said, adding quickly that prepared items will be transported to the new site from the South Amherst flagship facility several times a day. And overall, the new location will offer essentially everything the company sells — from apples and cider donuts to floral arrangements; from cheese to meats.

Atkins is expected to serve as the Mill District’s anchor, said Wolahan, adding that it will likely bring the volume of traffic that can attract other kinds of businesses and create the momentum needed to make that conceptual rendering of the area in question a reality.

Once Atkins is up and running and traffic within the facility increases, both Jones and Wolahan expect other pieces of the Mill District picture to fall into place.

Indeed, while walking past the old saw mill, closed in 2010, Jones said its future use is limited only by one’s imagination.

“We could tear that structure down and build a 3 ½-story building on top, and that would probably be the smartest thing to do,” Jones explained. “But with so many acres of open space, I’m hoping to lease that space.”

As an example of what might work there, she cited Kings Bowl, which has several locations in the Northeast and as far south as Orlando. Billing itself as “the classy bowling joint,” it features a host of games in addition to bowling — shuffleboard, skee ball, and air hockey, for example — as well as a restaurant and bar. Such a concept, said Jones, would certainly be appealing in the five-college area.

Meanwhile, another small barn on the property, known as the antique barn, is drawing some interest from a bank as the possible site of a branch and community center, said Jones, adding that those talks are preliminary in nature, as are discussions with UMass Amherst about utilizing one of the facilities as a possible home for startups.

saw mill on the family’s property

Cinda Jones says the saw mill on the family’s property, a replacement for the one Walter Cowls Jones built, presents a number of development opportunities.

As for Goat Meadow, the large open tract off Sunderland Road, Jones said there have been some discussions with the builders of senior-housing developments about that parcel. Amherst is rated as one of the most attractive communities nationwide for retirees, mostly because of the activities and life-long learning opportunities related to the five colleges, she went on, and there is a shortage of housing for such individuals.

Overall, discussions are being conducted with potential tenants in many categories, said Wolahan, adding that a number of multi-family housing developers have expressed interest because the zoning permits commercial businesses on the ground floors of properties and residential above, as seen in the Trolley Barn.

One of Wolahan’s current assignments is to finalize a master plan for the site, which will essentially act as a road map for developing the various properties and parcels.

Plane Speaking

As she talked about the need for a destination, one that would create experiences for people of all ages, Jones referenced her nieces and nephews, some of whom who are already working at W.D. Cowls, and thus represent the 10th generation of the family to do so.

“There’s no place for them to go around here, no place to go and have fun,” she noted, adding that creating such a place constitutes one of the many ways she intends for her generation to leave its mark on the Cowls business — and the community.

Indeed, the family that has been writing history for three centuries is poised to script some exciting new chapters.

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

Daily News

PITTSFIELD — 1Berkshire, the countywide economic development organization, announced today that The Hotel on North project has been chosen as the 2015 “Putting the Berkshires on the Map” honoree in recognition of the substantial contribution it is making to the overall image of the Berkshires. This recognition will be presented at the fifth annual Celebrate the Berkshires event on Sept. 10 at the Stationery Factory in Dalton.

Hotel on North creates a unique modern experience that also pays homage to the building’s historic character. The hotel has been called a game-changer for downtown Pittsfield because of its potential as a catalyst for further development on North Street. In 2012 MM&D, LLC principally owned by David and Laurie Tierney, bought the former Besse-Clark and Gowdy-Shandoff Buildings and 2.5 years later, have opened Hotel on North. The project represents an extraordinary collaboration, partnering many Berkshire County businesses to manage and furnish the hotel and to provide ongoing services as well as lobby galleries to display local art.

“We believe in local,” said Laurie Tierney at a formal press conference in February detailing the plans for the project. Teaming up for the property’s design and now the manager of the hotel is Main Street Hospitality Group, owner of the Red Lion Inn and operator of the Porches at MASS MoCA and the Williams Inn in Williamstown.

Don Dubendorf, Chair of 1Berkshire cited the nomination of the project as “… a collaboration that created the vision, accepted the risk, and now has realized exquisite results. This venture provides commerce and jobs, serves visitors and residents alike and celebrates creativity, the cornerstones of our Berkshire economy.”

“We are so pleased to be recognized by 1Berkshire, an entity that fosters creative collaborations throughout the region,” said David Tierney, co-owner of the hotel. “The hotel represents a $14 million commitment to the growth of downtown Pittsfield and has created 50 permanent jobs for Berkshire residents. Our family has been investing in the Berkshires for over 50 years and this project is the culmination of our belief in redevelopment.”

This year’s Celebrate the Berkshires event will also showcase Berkshire-based individuals and businesses who demonstrate excellence in several “Trendsetter Award” categories. Visit 1Berkshire.com to reserve tickets.

Luxury Living Sections
Recipe for Spectacular Kitchen Calls for Spice, Convenience

Hunter Marosits

Hunter Marosits says luxury kitchens may have two dishwashers, six or eight stovetop burners, and custom features such as bread warmers and microwaves built into a drawer.

The kitchen has long been known as the heart of a home, and many people are remodeling to add style, function, flair, and a dose of luxury to the most important room in their living area.

“Our sales are up 20% to 25% over last summer, and this year has been super busy; our normal lead time is six weeks, and for a while we were backlogged three months,” said Steve Wenninger, president of Ideal Kitchens Home Improvement Inc. in Chicopee, who owns the company with his wife, Marie Wenninger.

Hunter Marosits is also doing well, and says people are expanding the space to suit today’s lifestyles. “But every kitchen we create is unique. We never do the same thing twice,” said the president of H&R Homes Remodeling Inc. in Springfield.

The recipe for success contains many ingredients, but local remodelers say it begins with and centers around the design.

“The kitchen is a critical part of the home, and designing the room is a work of art that depends on the skill of the designer, the flexibility of the client, and the size of the space. Cost must always be balanced with aesthetics,” said Curio Nataloni, who co-owns Kitchens by Curio in Springfield with his brother, Francis Nataloni, a certified kitchen and bath designer.

“A client can buy the best cabinets and appliances, but that doesn’t mean they will end up with a good kitchen,” he went on. “Form follows function, and a good designer may be able to create the same environment by using less-expensive elements that provide the same aesthetic value.”

Those we spoke with said demand for luxury kitchens has heated up, fueled in part by TV remodeling shows and Internet sites with thousands of before-and-after photos.

Today, people want an open-concept room area that often involves knocking down walls and opening up space to suit relaxed lifestyles.

“In the ’60s, kitchens were created with a way in and a way out. But today, people are entertaining more in their kitchens than in their living rooms or dining rooms, so they want a lot of open space,” Marosits said.

Francis Nataloni agrees. “Prior to the ’90s, kitchens, dining rooms, and family rooms were completely separate. But lifestyles have become more informal, and people want a gathering space that encompasses a sit-down area such as an island, where they can talk to their guests while they cook, as well as an eat-in area,” he said.

For this issue and its focus on luxury living, BusinessWest talks with designers about what goes into the ideal kitchen — and what homeowners can get out of one.

Food for Thought

Most kitchen remodelers draw up a design based on the homeowner’s preferences and the size of the space, but thanks to 3-D renderings, large screens, and state-of-the-art computer tools, it’s easy to make modifications and change details.

“Our job is to take what people have seen and want, then give them a realistic idea of what it will look like in their home,” Francis Nataloni said.

However, major kitchen remodels take time, and many homeowners are surprised that weeks or months may go by before the job is complete. That doesn’t mean they are without working space, however, as temporary countertops can be placed on new cabinets, and every effort is made to get the kitchen sink working as soon as possible.

Overall, remodeling a kitchen involves a lot of small but important decisions, said Curio Nataloni as he flipped through a book with hundreds of specifics that include who will be responsible for floors, windows, carpentry, plumbing, electric work, hooking up the appliances, and more.

In fact, the process can be so complex that Marosits refers to it as a “journey,” on requiring myriad choices. “But a lot of customers get as much enjoyment picking things out as they do when everything is finished,” he told BusinessWest.

Trends come and go, and today, people want a streamlined, simple look. And when it comes to cabinets, “oak is out, cherry is really hot, and maple that is painted is popular,” said Wenninger, adding that white, antique white, or glazed finishes, which give a two-tone effect, are top choices, and in high-end kitchens, cabinets often are given a painted, distressed look, which adds depth.

Francis Nataloni said dark espresso is also a growing color trend, particularly in contemporary kitchens. “But new finishes are coming down the pike,” he noted. “Gray and weathered gray is growing in popularity, as it gives a kitchen an urban, barn-style look.”

In addition to color, style comes into the mix, and shaker-style cabinetry is the number-one seller. “It’s become a staple because it has a more contemporary look and lends itself well to an informal atmosphere,” Francis Nataloni said, adding that people get ideas from magazines and websites, which is why his company has a presence on Houzz.com, where it was feted with the 2015 Customer Service Award based on reviews.

But design still comes into play, and a lot can be done to make a kitchen unique.

“Cabinets can be positioned at different heights,” Marosits said, adding that glass doors provide another way to customize cabinetry, with choices ranging from clear to seeded or frosted. In addition, a small touch like positioning the kitchen sink a few inches out from the wall provides more room behind it, but also makes it a focal point.

Since people are seeking a streamlined look, they want to hide small appliances and other items typically found on countertops. And that’s easy to do: there are microwaves built into drawers, corner cabinets that slide open and eliminate the need for turntables, and tall cabinets or pantries that house equipment and gadgets.

In high-end kitchens, refrigerators and dishwashers can also be disguised when they are covered with the same wood or finish as the cabinets, resulting in a seamless look.

Major appliances are important, and quiet dishwashers make a difference, especially in open floor plans. But packages can be pricey, costing up to $25,000, although most people choose models well below that figure.

Although many people still want double ovens, Francis Nataloni said six or eight burners and an oven combo, which includes a traditional oven topped by a smaller ‘speed oven’ that doubles as a convection oven and microwave, often suits the bill.

Countertops and backsplashes are other elements that require critical decision making.

“Granite is the most popular choice, but marble is moving in,” Marosits said, adding that he takes his clients to distributors where there are thousands of patterns at different price points, and they decide what part of a slab will become the focal point.

However, quartz is also becoming desirable. Wenninger said it is stronger than granite and is maintenance-free. “Standard granite needs to be sprayed every year to prevent staining, and although it’s not hard to do, some people prefer to completely eliminate the task.”

People with a large amount of space usually want an island, but in smaller kitchens, peninsulas attached to the wall serve as workspaces and separate one section of the room from another. “An island is like a piece of furniture and doesn’t have to match the rest of the kitchen,” Wenninger said. “High-end kitchens are often mixing stainless and cherry.”

Satisfying Finish

Although everyone wants a luxury kitchen, people who remodel usually fall into two categories: those who want to improve the resale value of their house, and those who love their homes and have no plans to move.

The latter group usually gets everything it wants, although Curio Natalino said the cost can often be reduced by the designer, who can advise them how to achieve the look they want within their budget.

To that end, Ideal Kitchens has its own cabinet refacing shop, and Wenninger has clients in luxury homes who choose to reface existing cabinets with solid interiors to get the look they are seeking.

“We take off the old doors, make brand-new ones, add new moldings, and put a quarter-inch skin frame behind cabinets and on the edges of the shelves. It can save up to half the cost, and glass and large drawers for pots and pans can be added. We can also create dovetail drawers and add soft-door closures,” he said.

Marosits told BusinessWest that moldings can be mixed and matched with an almost endless number of choices, and they can change the entire look of a kitchen.

But no matter what people choose, remodelers agree that, if a kitchen is well-designed, in most cases people should be able to recoup the money they spend when and if they do sell their home.

“Kitchens have a lifespan of 20 to 30 years, and after that they are considered worn or outdated. But most people only redo their kitchens once in their lifetime, and since statistics show they usually get 100% of their money back, there is no reason not to do it,” Marosits said, adding that some luxury homeowners don’t want an entirely new kitchen, but want a new look, which can be achieved with exotic granite countertops, an upscale backsplash, and a change in hardware on the cabinets.

Which means that dreams can come true at a range of budgets, and the heart of the home can truly become its hub.

Columns Sections
The Tax Rules of the Road Are Different for Each Category

By TERRI JUDYCKI

Terri Judycki, CPA, MST

Terri Judycki, CPA, MST

The decision to purchase a second home can be based on many factors — an investment opportunity, a favorite vacation spot, or a desirable residence for future retirement, to name just a few.

Many decide to rent the home in order to offset some of the ownership and maintenance costs. It is important to understand the tax consequences that result from mixed personal/rental use of the property. 

Depending on usage, a property with mixed use can be categorized as one of the following:

• Personal residence, if rented out for fewer than 15 days during the year;
• Vacation home, if rented out for more than 14 days and if personal use exceeds the greater of 14 days or 10% of the days rented; or
• Rental property, if personal use does not exceed the greater of 14 days or 10% of the days rented. 

It is important to note that a property can be categorized differently from one year to the next. 

A personal residence that is used for personal purposes for more than 14 days but rented for fewer than 15 days is treated as solely a personal residence. The income is not taxable, and expenses are not deductible, other than the taxes and qualified residence interest that may be deductible on Schedule A.

If the property is rented for more than 14 days and personal use exceeds the greater of 14 days or 10% of the rental days, rental income and allocable expenses are reported on Schedule E. Deductions (other than taxes and qualified residence interest) are limited to rental income, and ordering rules apply to determine which expenses are allowable.

Gross rental receipts are reduced by costs to obtain tenants, such as commissions and advertising. Expenses are then allocated between personal and rental days. For example, if the property is rented for 75 days and used personally for 25 days, then one-quarter of the expenses are personal and three-quarters are deductible as rental expenses. The expenses allocated to rental use are considered in the following order: (1) expenses that are deductible whether or not the property is rented, such as taxes and qualified residence interest; (2) operating expenses, other than depreciation; and (3) depreciation.

Expenses in the second and third categories may not create a loss. Any such expenses disallowed due to the income limitation may be carried forward to future years until there is sufficient rental income. The taxes and qualified residence interest allocated to personal use are deductible on Schedule A, subject to limits. Note that there is a conflict between the IRS and the Tax Court concerning the proper allocation of taxes and interest. Because taxes and interest are incurred regardless of use, the Tax Court has allowed taxpayers to pro-rate those expenses over the entire year.

Property that is rented and has personal use that does not exceed the greater of 14 days or 10% of the days rented is not considered a residence under tax rules; it is considered rental property. While expenses must still be allocated between personal and rental days, there are no ordering rules for expenses, and expenses are not limited to income. Passive-activity-loss rules may limit the use of any loss for a particular tax year.

The taxes attributed to personal use may still be deducted on Schedule A, but the portion of mortgage interest allocated to personal use may not be deducted on Schedule A, because the property is not considered a residence. This may be a tax trap, depending on the size of the mortgage. If the interest allocated to personal use is significant, it may be beneficial to use the property personally for more than the greater of 14 days or 10% of the rental days. 

Because tax treatment depends on the mix of personal and rental use, it is important to understand how tax law defines ‘personal use.’ In determining personal use, in addition to the days of use by the owner, days used or rented by anyone at less than fair rental must be included. Rental to a family member, even at fair rental, is considered personal use unless the property was used as the family member’s principal residence. Days the taxpayer spends repairing and maintaining the property on a full-time basis are not counted as days of personal use. 

Timeshare units have additional complications. Personal use by other owners, such as other timeshare owners, is included in determining the extent of personal use. This rule makes it almost certain that timeshares will never be considered rental property.

Personal usage by all the unit owners will almost always be sufficient to cause all the owners to be subject to vacation home rules and limitations. Also, in order to qualify for as a residence with fewer than 15 days rent, the rental days for all the unit owners must be fewer than 15 days, again making it almost impossible to qualify for that exception.

However, in determining whether the mortgage interest can be deducted as qualified residence interest, the taxpayer need only determine whether his or her personal use exceeds the greater of 14 days or 10% of the individual owner’s rental days. Due to a special rule governing mortgage-interest deductions, if the unit is not rented at all, the mortgage interest may be deductible on Schedule A, provided all the other requirements are met. 

While an owner’s use of property is normally driven by non-tax considerations, it is important to understand how choices will affect tax consequences. Because each taxpayer’s situation is different, determining how changes in use will affect taxes requires individual analysis.

If you have questions regarding the status of your second home or are planning to purchase a second home that may see mixed use, be sure to speak with your tax professional.


Terri Judycki, CPA is a tax senior manager with the Holyoke-based public accounting firm Meyers Brothers Kalicka, P.C.; (413) 322-3510; [email protected]

Agenda Departments

Positively Holyoke Summer Concert Series
July 8, 15, 22, 29: The Holyoke Rotary Club has announced the lineup of the 2015 Positively Holyoke Summer Concert Series. The free concerts will be held on Wednesday evenings in July, from 6 to 8 p.m., at Heritage State Park in Holyoke. Performances canceled due to weather will be scheduled for the following evening (Thursday of the same week). The schedule is as follows: July 8, Out of the Blue (rock & roll); July 15, Brass Attack (classic/modern rock); July 22, the Franny O Show (covers and original songs); and July 29, Ireland Parish (Irish ballads). Heritage State Park is a family-friendly area located between the Volleyball Hall of Fame, the Holyoke Children’s Museum, and historic Holyoke Merry-Go-Round. The park has no formal seating, and concertgoers are encouraged to bring folding chairs and picnic blankets. “The Positively Holyoke Summer Concert Series began five years ago at the request of the City of Holyoke Parks & Recreation Department. The department approached the Holyoke Rotary Club with the knowledge that many local Rotary clubs provide this form of entertainment in the communities they serve. The events are fun and family-friendly,” said Maureen Ross O’Connell, co-chairperson of the concert committee. Attendees are welcome to enjoy food at the Rotary Grill, provided this year by Sláinte, which will open at 5:30 p.m. each week. Beer and wine will be available for purchase courtesy of Brennan’s Place from 5:30 to 8 p.m. New this year, attendees will be allowed to take their purchases from the beer garden onto the grounds of Heritage State Park. Coolers and beverages not purchased at the event will not be allowed. The concert series will also feature a 50/50 raffle each week. Free parking is provided in the Proulx Garage on Dwight Street after 5 p.m. (entrance on Front Street). Major sponsors of the Positively Holyoke Summer Concert Series include Holyoke Gas & Electric Department and Holyoke Parks & Recreation. Band sponsors include Ross Insurance Agency Inc., O’Connell Care at Home, and the O’Connell Companies. To learn more about the concert series, visit www.positivelyholyoke.com. For sponsorship opportunities, call Maureen Ross O’Connell at (413) 536-8380.

Indian Motocycle Day
July 26: From 9 a.m. to 3 p.m., the Springfield Museums will present their sixth annual Indian Motocycle Day, the continuation of a long-standing tradition honoring the classic motorcycles that were manufactured in the city from 1901 to 1953. Last year, more than 1,000 people attended the event, which featured more than 60 classic, Springfield-built Indians owned by local collectors, The event is sponsored by the Sampson Family and AAA Pioneer Valley; the media sponsor is Rock 102 WAQY. MassMutual is the 2015 premier sponsor of the Springfield Museums. The museums re-established the Indian Day tradition in 2010 after a five-year hiatus. From 1970 to 2005, the event was held at the now-closed Indian Motocycle Museum on Hendee Street in Springfield. Esta Manthos, together with her late husband Charlie, were the owners of the former museum. In 2007, Manthos donated her extensive collection of Indian Motocycles, artifacts, and memorabilia to the Springfield Museums, where it is now on view in the Lyman & Merrie Wood Museum of Springfield History. This year’s Indian Day will pay tribute to Bob’s Indian of Etters, Pa., for its many years of supporting the heritage of classic Indian cycles. The original dealership was founded in the 1950s by Bob and Kay Markey, and has been a treasure trove of motorcycle history for over half a century. In addition to the motorcycles on display, there will be a variety of vendors, food and beverages, music provided by Rock 102, and the awarding of trophies for the best Indians in a variety of categories. Commemorative T-shirts will be available for purchase. Anyone bringing a pre-1953 Indian will receive a free admission pass plus a commemorative Indian Day button. Exhibitors, and especially vendors, are encouraged to pre-register by calling (413) 263-6800, ext. 304. Admission to the event is $10 for adults and $5 for children ages 3-17. For those wishing to attend the event and tour museum buildings, general admission is $18 for adults, $12 for seniors and college students, and $9.50 for children ages 3-17. Admission to the event and the museums is free for members of Springfield Museums; free museum admission is available for Springfield residents after 3 p.m. For information, call (413) 263-6800, ext. 304, or visit www.springfieldmuseums.org.

Advance Directives and Healthcare Proxies
July 29: Hillcrest Commons Nursing and Rehabilitation Center will offer an informational session on advance directives and healthcare proxies at 10 a.m. at the Ralph Froio Senior Center in Pittsfield. The event will include a free continental breakfast. Part of Hillcrest’s “Berkshire Senior Subjects” monthly series, the presentation will focus on advance directives, healthcare proxies, and MOLST forms. The guest speaker is Patricia Tremblay, MS, RN. The presentation is free and open to the public; registration is requested by calling (413) 445-9747 by July 27. Hillcrest Commons Nursing & Rehabilitation Center, a nonprofit organization that has been caring for people in the Berkshire area since 1995, provides personalized short-term rehabilitation, long-term skilled-nursing care, respite care, and specialized Alzheimer’s and dementia care, all in a homelike setting. Specialty services include a ventilator program to support ventilator-dependent patients or to wean dependence, and a behavioral-health program for those with chronic psychiatric conditions. Hospice services are available for compassionate end-of-life care. For more information, visit www.hillcrestcommons.org.

Springfield Jazz & Roots Festival
Aug 8: The second annual Springfield Jazz & Roots Festival celebrates the emergence of Springfield’s Cultural District and promotes an arts-driven, community-oriented, and sustainable revitalization of the city. The free event in Court Square will offer a festive atmosphere featuring locally and internationally acclaimed musical artists, dance and theater workshops, local arts and crafts, and plenty of food. More than 5,000 people are expected to attend and enjoy the sounds of jazz, Latin jazz, gospel, blues, funk, and more. The festival is produced by Blues to Green, which uses music and art to celebrate community and culture, build shared purpose, and catalyze social and environmental change. For more information and a lineup of performers, visit springfieldjazzfest.com.

Driving for the Cure Golf Tournament
Aug. 17: The seventh annual Tom Cosenzi Driving for the Cure Charity Golf Tournament will tee off at Crestview Country Club in Agawam. The presenting sponsor for this year’s tournament is Autotrader. The tournament will be a four-player scramble. Tournament-day check-in begins at 10:30 a.m., and tee time is at 12:30 p.m. The event includes lunch, golf, dinner, raffle prizes, contests, and more. The tournament was started by Carla and Tommy Cosenzi, owners of TommyCar Auto Group, in memory of their father, Tom Cosenzi, who passed away from a glioblastoma brain tumor in 2009, in the hopes of carrying on his legacy and finding a cure for this disease. To date, this tournament has raised a total of $480,000 in its six-year partnership with the Jimmy Fund, one of the largest organized golf programs in the U.S. All proceeds support Dr. Patrick Wen and his team of researchers in the Neuro-Oncology Department at Dana Farber Cancer Institute. “My father’s vision was that no other family would have to endure the pain of cancer,” said Carla Cosenzi. “It was his wish that we continue to raise money for cancer research at Dana Farber through its Jimmy Fund.” To register an individual or team, or to become a tournament sponsor, visit www.tomcosenzidrivingforthecure.com. For more information, contact Kayla Currie at (413) 570-1319 or [email protected].

Valley Fest
Aug. 29: White Lion Brewing Co. will host its inaugural beer festival, called Valley Fest, at Court Square in downtown Springfield. MGM Springfield will be the presenting sponsor. The festival is poised to be White Lion’s signature annual event, introducing the young brand to craft-beer enthusiasts throughout New England and beyond. White Lion Brewing Co., the city of Springfield’s only brewery, launched in October 2014. Founder Ray Berry and brewmaster Mike Yates have released three selections under the White Lion brand and have been busy promoting their efforts in venues all over Massachusetts and other New England states. “Valley Fest will have the best of the best local, regional, and national beer and hard cider brands,” Berry said. “Even in our inaugural year, Valley Fest will be the largest one-day beer festival in Western Massachusetts. We expect to draw up to 2,000 enthusiasts from throughout New England. We are very excited to showcase the fourth-largest city in New England and all of its amenities.” Berry anticipates that more than 50 breweries and many local food vendors will converge on Court Square for two sessions. Enthusiasts will have an opportunity to sample more than 100 varieties of beer and hard cider alongside pairing selections by local chefs. A number of sponsors have already committed to the event, including MassMutual Financial Group, the Young Professional Society of Greater Springfield, the Dennis Group, Springfield Sheraton Monarch Place, Paragus Strategic IT, Williams Distributing, and the Springfield Business Improvement District (BID). “We are honored to sponsor Valley Fest and look forward to it being an annual event that shares in the facilitation of growth within the downtown community,” said Chris Russell, executive director of the Springfield BID. Visit www.valleybrewfest.com for event details, ongoing updates, and sponsorship opportunities.

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 Comcast Business, presenting sponsor; the Isenberg School of Business at UMass Amherst, education sponsor; Johnson & Hill and Health New England, director level sponsors; 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.

Agenda Departments

ACCGS Golf Tournament
July 13: The Ranch Golf Club in Southwick will be the setting for the Affiliated Chambers of Commerce of Greater Springfield’s (ACCGS) 2015 Golf Tournament. The tournament is sponsored by Bacon Wilson, P.C., Barr & Barr Inc., Florence Savings Bank, Frank Webb’s Bath Center, HealthSouth, Insurance Center of New England, and Vanasse Hangen Brustlin Inc. The tournament will kick off with registration and practice on one of its six target greens, two pitching greens, and pitching nets at 11 a.m. A course-side lunch, sponsored by the MassMutual Center, will be served from 11 a.m. until noon, with a shotgun start at 12:30 p.m. Golfers will enjoy a scramble format, hole-in-one contests sponsored by Rocky’s Ace Hardware and Teddy Bear Pools & Spas, longest-drive and closest-to-the-line competitions, a putting contest sponsored by Chicopee Savings Bank, and an opportunity to win from a wide selection of raffle prizes, including Red Sox tickets and gift cards. The day will conclude with a reception, buffet dinner, and awards ceremony. An added attraction this year will be the opportunity to win the use of a fully-stocked golf cart for the tournament, completed with snacks, cigars, additional raffle tickets, alcoholic and non-alcoholic beverages, and more. The tournament entry fee is $600 per foursome (individual golfers are welcome at $150) and includes greens fees, cart, lunch, reception, and souvenir photo sponsored by Arrow Security Co. Inc. and Eastfield Mall. Non-golfers may attend the reception only for $30 per person. To register, visit www.myonlinechamber.com or e-mail ACCGS Member Services Director Sarah Mazzaferro at [email protected].

Indian Motocycle Day
July 26: From 9 a.m. to 3 p.m., the Springfield Museums will present their sixth annual Indian Motocycle Day, the continuation of a long-standing tradition honoring the classic motorcycles that were manufactured in the city from 1901 to 1953. Last year, more than 1,000 people attended the event, which featured more than 60 classic, Springfield-built Indians owned by local collectors, The event is sponsored by the Sampson Family and AAA Pioneer Valley; the media sponsor is Rock 102 WAQY. MassMutual is the 2015 premier sponsor of the Springfield Museums. The museums re-established the Indian Day tradition in 2010 after a five-year hiatus. From 1970 to 2005, the event was held at the now-closed Indian Motocycle Museum on Hendee Street in Springfield. Esta Manthos, together with her late husband Charlie, were the owners of the former museum. In 2007, Manthos donated her extensive collection of Indian Motocycles, artifacts, and memorabilia to the Springfield Museums, where it is now on view in the Lyman & Merrie Wood Museum of Springfield History. This year’s Indian Day will pay tribute to Bob’s Indian of Etters, Pa., for its many years of supporting the heritage of classic Indian cycles. The original dealership was founded in the 1950s by Bob and Kay Markey, and has been a treasure trove of motorcycle history for over half a century. In addition to the motorcycles on display, there will be a variety of vendors, food and beverages, music provided by Rock 102, and the awarding of trophies for the best Indians in a variety of categories. Commemorative T-shirts will be available for purchase. Anyone bringing a pre-1953 Indian will receive a free admission pass plus a commemorative Indian Day button. Exhibitors, and especially vendors, are encouraged to pre-register by calling (413) 263-6800, ext. 304. Admission to the event is $10 for adults and $5 for children ages 3-17. For those wishing to attend the event and tour museum buildings, general admission is $18 for adults, $12 for seniors and college students, and $9.50 for children ages 3-17. Admission to the event and the museums is free for members of Springfield Museums; free museum admission is available for Springfield residents after 3 p.m. For information, call (413) 263-6800, ext. 304, or visit www.springfieldmuseums.org.

Driving for the Cure Golf Tournament
Aug. 17: The seventh annual Tom Cosenzi Driving for the Cure Charity Golf Tournament will tee off at Crestview Country Club in Agawam. The presenting sponsor for this year’s tournament is Autotrader. The tournament will be a four-player scramble. Tournament-day check-in begins at 10:30 a.m., and tee time is at 12:30 p.m. The event includes lunch, golf, dinner, raffle prizes, contests, and more. The tournament was started by Carla and Tommy Cosenzi, owners of TommyCar Auto Group, in memory of their father, Tom Cosenzi, who passed away from a glioblastoma brain tumor in 2009, in the hopes of carrying on his legacy and finding a cure for this disease. To date, this tournament has raised a total of $480,000 in its six-year partnership with the Jimmy Fund, one of the largest organized golf programs in the U.S. All proceeds support Dr. Patrick Wen and his team of researchers in the Neuro-Oncology Department at Dana Farber Cancer Institute. To register an individual or team, or to become a tournament sponsor, visit www.tomcosenzidrivingforthecure.com. For more information, contact Kayla Currie at (413) 570-1319 or [email protected].

Valley Fest
Aug. 29: White Lion Brewing Co. announced that it will host its inaugural beer festival, called Valley Fest, at Court Square in downtown Springfield. MGM Springfield will be the presenting sponsor. The festival is poised to be White Lion’s signature annual event, introducing the young brand to craft-beer enthusiasts throughout New England and beyond. White Lion Brewing Co., the city of Springfield’s only brewery, launched in October 2014. Founder Ray Berry and brewmaster Mike Yates have released three selections under the White Lion brand and have been busy promoting their efforts in venues all over Massachusetts and other New England states. Berry anticipates that more than 50 breweries and many local food vendors will converge on Court Square for two sessions. Enthusiasts will have an opportunity to sample more than 100 varieties of beer and hard cider alongside pairing selections by local chefs. A number of sponsors have already committed to the event, including MassMutual Financial Group, the Young Professional Society of Greater Springfield, the Dennis Group, Springfield Sheraton Monarch Place, Paragus Strategic IT, Williams Distributing, and the Springfield Business Improvement District (BID). Visit www.valleybrewfest.com for event details, ongoing updates, and sponsorship opportunities. A portion of Valley Fest proceeds will support several local charities.

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 tevents, programs, and featured speakers will be printed in future issues of BusinessWest. Sponsors include MGM Springfield, presidential and Expo Social sponsor; the Isenberg School of Business at UMass Amherst, education sponsor; Johnson & Hill and Health New England, director level sponsors; 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.

Daily News

BOSTON — The New England Information Office of the U.S. Bureau of Labor Statistics has released regional data on employer costs for employee compensation (ECEC) for March 2015. ECEC data are based on the National Compensation Survey (NCS), which measures employer costs for wages, salaries, and employee benefits.

Total compensation costs among private-industry employers in New England averaged $38.35 per hour worked in March 2015. Wages and salaries accounted for 71.2% of total compensation costs (or $27.28 per hour), while benefits accounted for 28.8% of costs (or $11.06 per hour).

Total benefits costs to employers within the New England division were comprised, primarily, of the following categories: insurance (including life, health, short- and long-term disability insurance), $2.95 per hour worked; legally required benefits (including Social Security and Medicare), $2.92 per hour; and paid leave (including vacation, holiday, sick, and personal leave categories), $2.72 per hour. Retirement and savings added another $1.41 per hour to the total benefits cost in New England.

In the U.S., compensation costs among private industry employers averaged $31.65 per hour worked in March. Wages and salaries, at $21.94 per hour, accounted for 69.3% of these costs, while benefits, at $9.71, made up the remaining 30.7%.

Cover Story

Cover June 15, 2015

Our Annual Guide to Summer Fun in Western Mass.

Vacations are highlights of anyone’s calendar, and summertime is, admittedly, a perfect time to get away. But it’s also a great time to stay at home and enjoy the embarrassment of riches Western Mass. has to offer when it comes to arts and entertainment, cultural experiences, community gatherings, and encounters with nature. From music festivals and agricultural fairs to zoos and water activities — and much more — here is BusinessWest’s annual rundown of some of the region’s outdoor highlights. For a more comprehensive list go HERE. Have fun!





Music, Theatre, and Dance

Jacob’s Pillow Dance Festival
358 George Carter Road, Becket
(413) 243-0745; www.jacobspillow.org
Admission: $19 and up
June 13 to Aug. 30: Now in its 83rd season, Jacob’s Pillow has become one of the country’s premier showcases for dance, featuring more than 50 dance companies from Cuba, the Netherlands, Germany, France, Canada, and across the U.S. Participants can take in 200 free performances, talks, and events; train at one of the nation’s most prestigious dance-training centers; and take part in community programs designed to educate and engage audiences of all ages. Never Stand Still, the acclaimed documentary about Jacob’s Pillow, will be screened on Aug. 30 at 4:30 p.m.
JacobsPillow

Tanglewood

297 West St., Lenox
(617) 266-1200; www.bso.org
Admission: $12 and up
June 19 to Sep. 5: Tanglewood has been the summer home of the Boston Symphony Orchestra since 1937, and like previous years, it has a broad, diverse slate of concerts in store for the 2015 season, including the Festival of Contemporary Music on July 20, the String Quartet Marathon on July 29, Chamber Music Concerts on Sundays throughout July and August, and a roster of popular-music shows featuring Sheryl Crow with the Boston Pops, Diana Krall, Huey Lewis and the News, Tony Bennett and Lady Gaga, and Idina Menzel. To celebrate its 75th anniversary, Tanglewood has also commissioned some 30 new works for performance during the 2015 season.

Wilco’s Solid Sound Festival / Bang on a Can Plays Art / Fresh Grass Festival
1040 MASS MoCA Way, North Adams
(413) 662-2111; www.massmoca.org
Solid Sound: Festival pass, $149; individual days, $65-$99
Bang on a Can Plays Art: Festival pass, $75; individual concerts, $5-$24
Fresh Grass: Festival pass, $93
The Massachusetts Museum of Contemporary Art is known for its roster of musical events during the summer. Wilco’s Solid Sound Festival (June 26-28) returns with three days of music — from the festival’s namesake band plus dozens of other artists — and an array of interactive and family activities. The Bang on a Can Summer Music Festival, a residency program for composers and performers, is highlighted by Bang on a Can Plays Art (July 25 to Aug. 1), a weeklong series of shows culminating in a blowout finale on Aug. 1. Finally, the Fresh Grass Festival (Sep. 18-20) showcases more than 20 bluegrass artists and bands over three days. Whatever your taste in music, MassMOCA delivers all summer long. And check out the galleries, too.MassMoCA

Williamstown Theatre Festival
1000 Main St., Williamstown
(413) 597-3400; www.wtfestival.org
Admission: $35 and up
June 30 to Aug. 23: Six decades ago, the leaders of Williams College’s drama department and news office conceived an idea: using the school’s theater for a summer performance program with a resident company. Since then, the festival has attracted a number of notable guest performers, including, this summer, Kyra Sedgwick, Blair Underwood, Cynthia Nixon, Eric Bogosian, and Audra McDonald. This season will spotlight a range of both original productions and plays by well-known writers such as William Inge and Eugene O’Neill, as well as a number of other programs, such as post-show Tuesday Talkbacks with company members.

CityBlock Concert Series
Worthington and Bridge streets, Springfield
(413) 781-1591; www.springfielddowntown.com/cityblock
Admission: Free
July 2 to Aug. 27: The Stearns Square Concert Series reverts to its original name this year, but the Thursday-night lineup remains studded with national touring acts and local lights, including Jane Monheit (July 2), Jon Butcher Axis (July 9), Willie Nile (July 16), Cinderella’s Tom Keifer (July 23), Dwayne Dopsie and the Zydeco Hellraisers (July 30), Denny Laine of Wings (Aug. 6), Dana Fuchs Band (Aug. 20), and FAT (Aug. 27). The 6:30 p.m. shows will be preceded at 4:30 p.m. by a new Local Music Showcase on a second stage, featuring up-and-coming acts. The series is sponsored by the Springfield Business Improvement District.

Green River Festival
Greenfield Community College, One College Dr., Greenfield
(413) 773-5463;
 www.greenriverfestival.com
Admission: Weekend, $99.99; Friday, $19.99; Saturday, $59.99; Sunday, $59.99
July 10-12: For one weekend every July, Greenfield Community College hosts a high-energy celebration of music; local food, beer, and wine; handmade crafts; and family games and activities — all topped off with four hot-air-balloon launches and a spectacular Saturday-night ‘balloon glow.’ The music is continuous on three stages, and this year features Steve Earle & the Dukes, Punch Brothers, Tune-Yards, Preservation Hall Jazz Band, J Mascis, and more than three dozen other artists. Children under 10 can get in for free, and they’ll want to, as the family-friendly festival features children’s music performers, a kids’ activity tent, games, circus acts, a Mardi Gras parade, and other surprises.

Springfield Jazz & Roots Festival
Court Square, Springfield
(413) 303-0101; springfieldjazzfest.com
Admission: Free
Aug 8: The second annual Springfield Jazz & Roots Festival celebrates the emergence of Springfield’s Cultural District and promotes an arts-driven, community-oriented, and sustainable revitalization of the city. The event will offer a festive atmosphere featuring locally and internationally acclaimed musical artists, dance and theater workshops, local arts and crafts, and plenty of food. More than 5,000 people are expected to attend and enjoy the sounds of jazz, Latin jazz, gospel, blues, funk, and more. The festival is produced by Blues to Green, which uses music and art to celebrate community and culture, build shared purpose, and catalyze social and environmental change.

Community Gatherings

WorthyCraftWorthy Craft Brew Fest / Valley Fest
Worthy Craft Brew Fest: 201 Worthington St., Springfield, MA
(413) 736-6000; www.theworthybrewfest.com
Valley Fest: Court Square, Springfield, MA
(413) 303-0101; www.valleybrewfest.com
Admission (both): Free
If you like craft beer, you’re in luck this summer, with two events coming to downtown Springfield. On June 20, Smith’s Billiards and Theodores’ Booze, Blues & BBQ, both in the city’s entertainment district, will host some 20 breweries, with music by General Gist and the Mexican Cadillac. The event will also feature a home-brew contest; Amherst Brewing will make the winner’s beer and serve it at next year’s Brew Fest. Then, on Aug. 29, White Lion Brewing Co. will host its inaugural beer festival, called Valley Fest, at Court Square. MGM Springfield will be the presenting sponsor. More than 50 breweries and many local food vendors will converge downtown, and attendees will have an opportunity to sample more than 100 varieties of beer and hard cider alongside pairing selections by local chefs.

Springfield Dragon Boat Festival
121 West St., Springfield, MA
(413) 736-1322; www.pvriverfront.org
Admission: Free
June 27: The third annual Springfield Dragon Boat Festival returns to Riverfront Park. Hosted by the Pioneer Valley Riverfront Club, this family-friendly festival features the exciting sport of dragon-boat racing and will include music, performances, food, vendors, kids’ activities, and more. Watch the dragon-boat races, starting at 9 a.m., and stay for a day of fun along the riverfront. The festival is an ideal event for businesses and organizations looking for a new team-building opportunity, and provides financial support for the Riverfront Club as it grows and strengthens its presence in Springfield and the Pioneer Valley.

BerkshiresArtsBerkshires Arts Festival
Ski Butternut, 380 State Road, Great Barrington
(845) 355-2400; www.berkshiresartsfestival.com
Admission: $6-$13; children under 10, free
July 3-5: Now in its 14th year, the Berkshires Arts Festival has become a regional tradition. Thousands of art lovers and collectors are expected to descend on the Ski Butternut grounds to check out and purchase the creations of more than 175 artists and designers, as well as experiencing theater and music from local and national acts. Founded by Richard and Joanna Rothbard, owners of An American Craftsman Galleries, the festival attracts top artists from across the U.S. and Canada. Visitors can also participate in interactive events like puppetry and storytelling, all the time enjoying a respite from the sun under tents and in the ski resort’s air-conditioned lodge.

Monson Summerfest
Main Street, Monson
(413) 267-3649; www.monsonsummerfestinc.com
Admission: Free
July 4: In 1979, a group of parishioners from the town’s Methodist church wanted to start an Independence Day celebration focused on family and community, The first Summerfest was held at the church, featuring food, games, and fun activities. With the overwhelming interest of nonprofit organizations in town, the event immediately grew, and relocated onto Main Street the following year. With the addition of a parade, along with booths, bands, rides, and activities, the event has evolved into an attraction drawing more than 10,000 people every year. The festivities will be preceded this year by a town fireworks display on June 27.

BrimfieldAntiqueBrimfield Antique Show
Route 20, Brimfield, MA
(413) 283-6149; www.quaboaghills.com
Admission: Free
July 14-19, Sep. 8-13: What began humbly — when a local auctioneer decided to hold open-air auctions on his property, and grew into a successful flea market — eventually began including neighboring properties as it grew. It expanded in the ’80s and ’90s to a one-mile stretch of Route 20 on both sides, and these days, the Brimfield Antique Show is a six-mile stretch of heaven for people to value antiques, collectibles, and flea-market finds. Some 6,000 dealers and close to 1 million total visitors show up at the three annual, week-long events (the first was in May). The Brimfield Antique Show labels itself the “Antiques and Collectibles Capital of the United States,” and — judging by its scope and number of visitors — it’s hard to disagree.

Iron Bridge Dinner
Iron Bridge over Deerfield River, Shelburne Falls and Buckland, MA
(413) 625-2526; www.mohawktrail.com
Admission: TBA
Aug. 16: Local restaurants and food providers will prepare an elegant, one-of-a-kind dinner on the Iron Bridge for ticket holders at sunset. Seating is at 5:30 p.m., and dinner begins at 6 p.m. Athletes from the Mohawk Athletic Assoc. will serve the meal, while local musicians serenade the diners. The Iron Bridge spans the towns of Buckland and Shelburne, and this event, modeled after a similar community dinner in France, celebrates all the connections there are between the two communities. Held rain or shine. Tickets go on sale July 17.

Agricultural Fairs
Various locations and admission costs; see websites:
www.thewestfieldfair.com; www.cummingtonfair.com; www.3countyfair.com; www.theblandfordfair.com; www.fcas.com; www.belchertownfair.com
Starting in late August and extending through September, the region’s community agricultural fairs are a treasured tradition, promoting agriculture education and science in the region and supporting the efforts of local growers and craftspeople. The annual fairs also promise plenty of family-oriented fun, from carnival rides to animal demonstrations to food, food, and more food. The Westfield fair kicks things off Aug. 21-23, followed by the Cummington Fair on Aug. 27-30, the Blandford Fair and the Three County Fair in Northampton on Sept. 4-7, the Franklin County Fair in Greenfield on Sept. 10-13, and the Belchertown Fair on Sept. 18-20, to name some of the more popular gatherings.

History and Culture

HancockShakerHancock Shaker Village
1843 West Housatonic St., Pittsfield, MA
(413) 443-0188; 
www.hancockshakervillage.org
Admission: $8-20; children 12 and under, free
In 1774, a small group of persecuted English men and women known as the Shakers — the name is derived from the way their bodies convulsed during prayer — landed in New York Harbor in the hopes of securing religious freedom in America. Nearly 250 years later, their utopian experiment remains available to the public in the restored 19th-century village of Hancock. Through 20 refurbished buildings and surrounding gardens, Shaker Village successfully illuminates the daily lives of its highly productive inhabitants. After spending a day in the recreated town, visitors will surely gain a greater appreciation of the Shakers’ oft-forgotten legacy in the region.

Yidstock
Hampshire College, 893 West St., Amherst
(413) 256-4900; www.yiddishbookcenter.org/yidstock
Admission: Concert pass, $160; tickets may be purchased for individual events
July 16-19: Boasting an array of films, concerts, lectures, and workshops, Yidstock 2015: The Festival of New Yiddish Music lands in Amherst in mid-July. The fourth annual Yidstock festival will bring the best in klezmer and new Yiddish music to the stage at the Yiddish Book Center. The festival includes concerts, lectures, and music and dance workshops.
The weekend will offer an intriguing glimpse into Jewish roots and jazzy soul music through popular Yiddish bands like the Klezmatics, Klezperanto, Sklamberg & the Shepherds, and more. The festival pass is sold out, but four-day concert passes and tickets to individual events are still available.

Glasgow Lands Scottish Festival
Look Park, 300 North Main St., Florence, MA
(413) 862-8095; www.glasgowlands.org
Admission: $16; children 6-12, $5; under 6, free
July 18: This 22nd annual festival celebrating all things Scottish features Highland dancers, pipe bands, a clan parade, sheep herding, spinners, weavers, harpists, Celtic music, athletic contests, activities for children, and the authentically dressed Historic Highlanders recreating everyday life in that society from the 14th through 18th centuries. Inside the huge ‘pub’ tent, musical acts Albannach, Soulsha, Prydein, Jennifer Licko, Charlie Zahm, and the Caseys will keep toes tapping in the shade. Event proceeds will benefit programs at Human Resources Unlimited and River Valley Counseling Center.

Pocumtuck Homelands Festival
Unity Park, 1st St., Turners Falls, MA
(413) 498-4318; www.nolumbekaproject.org
Admission: Free
Aug. 1: This celebration of the parks, people, history, and culture of Turners Falls is a coordinated effort of the Nolumbeka Project and RiverCulture. The event features outstanding Native American crafts, including baskets, pottery, jewelry, and demonstrations of primitive skills; Native American food; and live music by Native American flute maker Hawk Henry, Medicine Mammal Singers, Urban Thunder Singers, and the Visioning B.E.A.R. Singers. Attendees may also take part in craft activities, storytelling, and traditional dances. The Nolumbeka Project is dedicated to the preservation of regional Native American history through educational programs, art, history, music, heritage seed preservation, and cultural events.

OldSturbridgeOld Sturbridge Village Family Fun Days
1 Old Sturbridge Village Road, Sturbridge, MA
(800) 733-1830; www.osv.org
Admission: Adults, $24; children, free
Sep. 5-7: Bring the whole family to Old Sturbridge Village on Labor Day weekend, when the largest outdoor history museum in the Northeast opens its doors to children for free (normally, youth admission is $8). Guests are invited to play baseball the way early New Englanders did, make a craft, join a game of French & English (tug of war), meet the oxen in training, try their hand at marbling paper, see a puppet show, watch a toy fire-balloon flight, visit the Freeman Farm, stop and see craftsmen at work, and much more. In addition, the weekend will feature appearances by Bob Olson, performing 19th-century magic, as well as the Old Sturbridge Village Singers and the Old Sturbridge Village Dancers. Let your kids step back into the 1830s and enjoy the last summer weekend before school.

Glendi
St. George Cathedral, 22 St. George Road, Springfield, MA
(413) 737-1496; stgeorgecath.org
Admission: Free
Sep. 11-13: Every year, St. George Cathedral offers thousands of visitors the best in traditional Greek foods, pastries, music, dancing, and old-fashioned Greek hospitality. In addition, the festival offers activities for children, tours of the historic St. George Cathedral and Byzantine Chapel, various vendors from across the East Coast, icon workshops, movies in the Glendi Theatre, cooking demonstrations, and a joyful atmosphere that the whole family will enjoy.

Old Deerfield Craft Fair
10 Memorial St., Deerfield, MA
(413) 774-7476; www.deerfield-craft.org
Admission: $7; children under 12, $1
Sep. 19-20: With New England in its autumnal splendor, the village setting for the Old Deerfield Craft Fair couldn’t be more picturesque. This award-winning show has been recognized for its traditional crafts and fine-arts categories, and offers a great variety of items, from furniture to pottery. And while in town, check out all of Historic Deerfield, an authentic, 18th-century New England village, featuring restored museum houses with period architecture and furnishings, demonstrations of Colonial-era trades, and a world-famous collection of Early American crafts, ceramics, furniture, textiles, and metalwork.

More Fun Under the Sun

Berkshire Botanical Garden
5 West Stockbridge Road, Stockbridge, MA
(413) 298-3926; www.berkshirebotanical.org
Admission: $15; children under 12, free
If the flora indigenous to, or thriving in, the Berkshires of Western Mass. is your cup of tea, try 15 acres of stunning public gardens at the Berkshire Botanical Garden in Stockbridge. Originally established as the Berkshire Garden Center in 1934, today’s not-for-profit, educational organization is both functional and ornamental, with a mission to fulfill the community’s need for information, education, and inspiration concerning the art and science of gardening and the preservation of the environment. In addition to the garden’s collections, among the oldest in the U.S., visitors can enjoy workshops, special events, and guided tours.

BerkshireEastBerkshire East / Zoar Outdoor
Berkshire East: 66 Thunder Mountain Road, Charlemont, MA
(413) 339-6617; www.berkshireeast.com
Zoar Outdoor: 7 Main St., Charlemont, MA
(800) 532-7483;
 www.zoaroutdoor.com
Admission: Varies by activity
Neighbors and friendly rivals in Charlemont, Berkshire East and Zoar Outdoor don’t shut down when ski season ends in early spring; they morph into hubs for warm-weather fun. Berkshire East touts its 5,450-foot mountain coaster, as well as three different zipline canopy tours, whitewater rafting and ‘funyaking’ on the Deerfield River, and other activities. Meanwhile, Zoar Outdoor also offers plenty of options for the adventurous soul, from kayaking, whitewater rafting, and canoeing on the river to rock climbing and ziplining in the trees down a scenic mountain. The staff also lead overnight rafting and zipping tours into the wilderness.

Lady Bea Cruise Boat
1 Alvord St., South Hadley, MA
(413) 315-6342;
 www.brunelles.com
Admission: $10-$15; kids 3 and under, free
Interstate 91 is not the only direct thoroughfare from South Hadley to Northampton. The Lady Bea, a 53-foot, 49-passenger, climate-controlled boat operated by Brunelle’s Marina, will take boarders up and back on daily cruises along the Valley’s other major highway: the Connecticut River. If you don’t feel like sharing the 75-minute narrated voyage with others, rent the boat out for a private excursion. Amenties include a PA system, video monitors, a full bar, and seating indoors and on the sun deck — but the main attraction is the pristine water, sandy beaches, and unspoiled views along the river. Summer cruises generally run Thursday through Sunday.

Lupa Zoo
62 Nash Hill Road, Ludlow, MA
(413) 583-8370; www.lupazoo.org
Admission $8-12; children under 2, free
Lupa Zoo brings the African savannah to Western Mass. residents. The late Henry Lupa fulfilled his lifelong dream of creating a zoo right next to his Ludlow house, filling it with hundreds of animals and instilling a warm, familial atmosphere. Visitors can be entertained by monkeys, feed giraffes on a custom-built tower, and marvel at the bright colors of tropical birds. In addition to offering animal shows and animal-feeding programs, the staff at Lupa Zoo promotes conservation and sustainability.

Nash Dinosaur Track Site & Rock Shop
594 Amherst Road, South Hadley, MA
(413) 467-9566;
www.nashdinosaurtracks.com
Admission: Adults, $3; children, $2
Walk where the dinosaurs walked, literally. It’s hard to believe that the first documented dinosaur tracks found in North America were on the shores of the Connecticut River, near today’s site of Nash Dinosaur Track Site and Rock Shop in South Hadley. Originally uncovered in 1802 by a farmboy plowing his family farm, the findings weren’t officially called dinosaur tracks until the 1830s. Over the years, thousands of dinosaur tracks have been discovered; many were sold to museums and private individuals all over the world, but many more can be seen due to the extensive work of Carlton S. Nash. Visit the site and learn about some of this region’s earliest inhabitants, and also about the geology of the area.

Six Flags New England
1623 Main St., Agawam, MA
(413) 786-9300; www.sixflags.com/newengland
Admission: $59.99; season passes, $66.99
Continuing an impressive run of adding a new major attraction each spring, Six Flags New England recently unveiled the Wicked Cyclone, converting the 1983 wooden coaster into a wood-steel hybrid with overbanks, corkscrews, and plenty of air time. Other recent additions include the 409-foot-tall swings of New England Sky Screamer, the 250-foot Bonzai Pipeline enclosed waterslides, and the massive switchback coaster Goliath — in addition to a raft of other thrill rides, like the award-winning Bizarro coaster. But fear not: the park has attractions for everyone along the stomach-queasiness spectrum, from the classic carousel, bumper cars, and two kiddie-ride areas to the giant wave pools and lazy river in the Hurricane Harbor water park, free with admission.

Valley Blue Sox
MacKenzie Stadium, 500 Beech St., Holyoke
(413) 533-1100; www.valleybluesox/pointstreaksites.com
Admission: $4-$6; season tickets, $89
Through Aug. 1: Western Mass. residents don’t have to trek to Boston to catch quality baseball (and this year, that’s especially true). The Valley Blue Sox, members of the New England Collegiate Baseball League, play close to home at MacKenzie Stadium in Holyoke. These Sox feature a roster of elite collegiate baseball players from around the country, including some who have already been drafted into the major leagues. Myriad food options, frequent promotional events like postgame fireworks, and numerous giveaways throughout the season help make every game at MacKenzie a fun, affordable outing for the whole family. Play ball!

Joseph Bednar can be reached at [email protected]

Autos Sections
Market Factors Create a Surge in Used-car Sales Volume

As the economy gains strength, Rob Pion says, many people are trading in older cars and trucks for new and pre-owned vehicles.

“The car market as a whole is strong right now, but it’s especially true for used vehicles,” said the general manager of Bob Pion Buick GMC in Chicopee, noting that sales have changed significantly in recent years due to Internet advertising, which gives shoppers endless choices and the ability to locate and purchase a pre-owned, certified car or truck with an excellent warranty.

“We’ve had buyers fly here from Indianapolis and Las Vegas to pick up a vehicle,” he noted. “We shipped a used car to a buyer in Louisiana, and last year, a couple drove a 50th-anniversary Corvette here from Minnesota, traded it in for a 60th-anniversary model, then drove it back home.”

Other auto dealers note the same trend, and Carla Cosenzi says a variety of factors play into the popularity of pre-owned vehicles.

Robert Pion

Robert Pion says certified vehicles offer warranties that equal or exceed those of a new car or truck.

“The used-car market has changed dramatically over the past few years,” said the president of TommyCar Auto Group, which includes Country Nissan in Hadley, Country Hyundai in Northampton, Patriot Buick GMC in Charlton, and Northampton Volkswagen. “Vehicles are made better, and their overall quality and durability has increased. They are built to last, so people don’t have to sacrifice reliability and condition to get a great deal, which makes purchasing a pre-owned vehicle more attractive.”

She agreed that the Internet broadens customers’ options because it allows them to peruse and compare vehicles within a 100-mile radius or more, via websites such as Autotrader.com or Cars.com. “It gives people a reliable, easy way to shop, and allows them to feel confident that they’re getting a good price,” Cosenzi said.

But Pion said price doesn’t matter if a person is not happy with their purchase, and although customers have bought vehicles from his dealership based solely on Internet pricing and photos, it’s important to look a car or truck over carefully, sit in it, and take it for a test drive before making a final decision.

“Two vehicles of the same make and model with the same mileage can drive very differently,” he told BusinessWest. “The vehicle with the best price may not be in pristine condition, so you really have to look at what you are buying. I remind people that it’s a huge purchase, and they need to be sure they are happy, or the price won’t matter.”

Brian Yarrows, general manager of Bertera Chevrolet in Palmer, says there are pros and cons to buying used vehicles.

“The perception is that they are more affordable, but that’s because people budget a certain amount for a payment,” he noted. “However, they fail to factor in the cost of maintenance, and since a vehicle that has between 60,000 and 70,000 miles typically costs $1,000 or more a year to maintain, people need to budget another $100 each month for repairs.”

It’s one reason why leasing is such a good option, he continued, explaining that the monthly payments can be less for a new, leased car than for a used one with 50,000 to 60,000 miles when it is paid for over a period of 75 months, which has become standard for auto loans. “In the 1700s, Ben Franklin said, ‘Lease what depreciates, and buy what appreciates,’” he continued, adding that Franklin was speaking about machines, farm equipment, and horses and buggies used for travel. “If you pay off a loan over 75 months and spend $4,000 in maintenance along the way, a lease may make more sense, as there is no maintenance cost.”

However, people who purchase a pre-owned vehicle should buy it in Massachusetts, Yarrows added. “In Connecticut, New Hampshire, Vermont, and Rhode Island, dealers can sell a used car ‘as is’ — all it has to do is pass inspection. But the Commonwealth has the strictest warranty policy for pre-owned vehicles in the nation, which can extend up to 90 days depending on the year and age of the model. It’s one of the reasons people come here from all over New England to purchase pre-owned vehicles, and as a result, it’s not uncommon for us to spend more than $1,000 before the customer takes a car or truck home.”

Check Point

Auto dealers say there are many advantages to buying a pre-owned, certified vehicle instead of a new one. They cost less; have warranties that sometimes exceed that of a new car, SUV, van, or truck; and often come with low interest rates.

Cosenzi said certification guidelines are stringent and include testing everything from the brakes, transmission, heating and air conditioning, tire tread, steering alignment, horn, seatbelts, radiator, exhaust system, lug nuts, upholstery, and body, to a myriad of other factors.

“If there is a small tear in the fabric, the vehicle doesn’t qualify,” she explained. “Certified cars can be a little more costly, but the benefits far outweigh the difference, and they provide people with the same peace of mind they would get if they purchased a new vehicle.”

Pion said his dealership strives to certify every used vehicle on its lot, using General Motors standards set by the factory. “The vehicles must be less than five years old and have under 70,000 miles,” he said, noting that, if trade-ins don’t meet these standards, they are disposed of at an auto auction or sold to another dealer.

However, those that qualify undergo GM’s 172-point inspection, which includes any needed reconditioning. Buyers receive a vehicle history report and Sirius XM Satellite Radio4 and OnStar5 trial offers, along with a three-day, 150-mile customer-satisfaction guarantee, as well as a 12,000-mile or 12-month warranty.

Pion, who includes two years of factory maintenance, oil changes, and tire rotation, has a lot of demo models right now and is expecting more because GM began leasing vehicles about three years ago, and the terms are expiring. “Most of them have between 30,000 and 45,000 miles,” he said.

Other reasons to purchase pre-owned vehicles include the fact that the excise tax is lower than a new vehicle, and they have already depreciated.

“Typically, the first owner takes the biggest loss, so if you can buy a used vehicle for $10,000 less than a new one, it’s a substantial savings,” Pion said.

Brian Yarrows

Brian Yarrows says it’s important for people to check the Carfax history and test drive a pre-owned car or truck before purchasing it.

Yarrows agrees. “Pre-owned certified vehicles are amazing buys,” he said. “General Motors offers lower interest rates on them, along with 24-7 roadside assistance that includes fixing flat tires and towing, and they come with a full year warranty on top of any warranty that remains. A car that is certified is worth $2,135 more than the same non-certified vehicle, but we don’t add that to the price.”

Still, people want options, so most dealers try to stock a range of different pre-owned vehicles.

“We like to have a wide selection for people so they can shop multiple lines and drive cars that are similar, such as a Buick Regal and a BMW3 series,” Pion said.

He explained that, although 90% of shoppers know what they want when they arrive, they often see something attractive and decide to take it for a test drive. “It can start discussions and lead to trials of different vehicles.”

Although Yarrows manages a Chevrolet dealership, it sells makes and models that range from Acuras to Volvos. “Most dealerships try to stay within their line, but we have seven acres here and run the gamut of every make and model,” he told BusinessWest, pointing to a row of cars that included a Volkswagen Beetle, two Cadillacs, a Chevrolet, a Chrysler, a Nissan, a Kia, a Hyundai, and other selections.

In fact, Bertera keeps 300 pre-owned vehicles on its lot, but has access to more than 11,000 through its 10 dealerships. “People may come here with a predetermined idea of what they want, but are actually looking for something that will meet their needs, which is why we call our salespeople ‘solution specialists,’” Yarrows said, adding that customers often get behind the wheel of far more vehicles than they initially planned to drive.

But Cosenzi said it is becoming more difficult to keep a large number of certified vehicles in stock, because owners are keeping them longer. The industry average is 10 years, and Yarrows said he’s seeing an unprecedented number of trade-ins with 100,000 miles or more. However, even vehicles with much lower mileage need to be compared carefully, which includes looking at the Carfax report in detail and noting maintenance that has been undertaken.

“Owners can be classified into three categories: those who do preventive maintenance, those who change their oil on a regular basis, and those who do nothing but drive the car and put gas into it,” Yarrows said, explaining there is a grading system at auto auctions which ranges from 1 to 5, which dealers can pay for.

“It’s based on a number of factors, including previous paintwork and repairs, the tire depth, whether there are gouges in the wheel, how clean the interior is, and a number of other things,” he explained. “It’s a very intricate system which runs in increments of 0.1, and some dealers focus on purchasing below-average vehicles so they can meet a price point.”

Ideal Conditions

Bob Pion’s sales are up from what they were at this time last year, and the expectation is that the numbers will continue to climb.

“The roads are clear, the cars are clean, and it’s not too hot or too cold outside,” Rob said. “We’re definitely expecting another good year.”

TommyCar Auto Group is also on an upward trajectory. “The winter was tough, but we had a great March, an even better April, and an unbelievable May, and on the fourth day of June we are off to a good start at all of our stores,” Cosenzi said. “Interest rates are still really low, but people know they may not stay that way, so they are taking advantage of them. It’s a great time to purchase a new or pre-owned vehicle, as dealers are more aggressive than ever with their Internet pricing.”

Bertera Chevrolet is up a whopping 48% in their overall sales from last year, despite the fact that the winter was terrible.

“I’m very excited about this year,” Yarrows said. “The economy is getting, better, businesses are hiring, people have more money in their pockets and are more comfortable spending than they were a few years ago. They are finally coming out to trade in their used cars, and there are incredible deals available on all types of vehicles.”

Especially those with some miles on them.

Daily News

SPRINGFIELD — On Sunday, July 26, from 9 a.m. to 3 p.m., the Springfield Museums will present their sixth annual Indian Motocycle Day, the continuation of a long-standing tradition honoring the classic motorcycles that were manufactured in the city from 1901 to 1953.

Last year, more than 1,000 people attended the event, which featured more than 60 classic, Springfield-built Indians owned by local collectors, The event is sponsored by the Sampson Family and AAA Pioneer Valley; the media sponsor is Rock 102 WAQY. MassMutual is the 2015 premier sponsor of the Springfield Museums.

The museums re-established the Indian Day tradition in 2010 after a five-year hiatus. From 1970 to 2005, the event was held at the now-closed Indian Motocycle Museum on Hendee Street in Springfield. Esta Manthos, together with her late husband Charlie, were the owners of the former museum. In 2007, Manthos donated her extensive collection of Indian Motocycles, artifacts, and memorabilia to the Springfield Museums, where it is now on view in the Lyman & Merrie Wood Museum of Springfield History.

This year’s Indian Day will pay tribute to Bob’s Indian of Etters, Pa., for its many years of supporting the heritage of classic Indian cycles. The original dealership was founded in the 1950s by Bob and Kay Markey, and has been a treasure trove of motorcycle history for over half a century.

In addition to the motorcycles on display, there will be a variety of vendors, food and beverages, music provided by Rock 102, and the awarding of trophies for the best Indians in a variety of categories. Commemorative T-shirts will be available for purchase. Anyone bringing a pre-1953 Indian will receive a free admission pass plus a commemorative Indian Day button. Exhibitors, and especially vendors, are encouraged to pre-register by calling (413) 263-6800, ext. 304.

Admission to the event is $10 for adults and $5 for children ages 3-17. For those wishing to attend the event and tour museum buildings, general admission is $18 for adults, $12 for seniors and college students, and $9.50 for children ages 3-17. Admission to the event and the museums is free for members of Springfield Museums; free museum admission is available for Springfield residents after 3 p.m.

For information, call (413) 263-6800, ext. 304, or visit www.springfieldmuseums.org.

Briefcase Departments

Martin Meehan Elected 27th President of UMass
BOSTON — Martin Meehan, a former U.S. congressman who became chancellor of his alma mater, UMass Lowell, and transformed it into a highly ranked national research university, was unanimously elected today as the next president of the five-campus UMass system. Meehan, the eldest of seven children, who used his UMass Lowell education as a springboard to a distinguished career in Congress and now to the presidency of the region’s largest and top-rated public university, said he was honored by the board’s action and eager to build on the work he has done at the Lowell campus. “Serving as chancellor of my alma mater, UMass Lowell, for the last eight years has been the most fulfilling period of my professional life, so I am excited about the opportunity to lead the University of Massachusetts system,” said Meehan. He will succeed President Robert Caret, who will step down June 30 to become chancellor of the 12-campus University System of Maryland. “I thank the UMass board of trustees and the presidential search committee for their confidence,” Meehan said. “Massachusetts is synonymous with the best in higher education. We will seek to strengthen our position as a world-class public university system that is accessible, affordable, and a catalyst for innovation and economic development in the Commonwealth.” Meehan was one of two finalists chosen by the 21-member search committee, working with the executive search firm Korn Ferry. The other finalist was John Quelch, professor of Business Administration at Harvard Business School and the former dean, vice president, and distinguished professor of International Management at China Europe International Business School. Quelch was formerly chairman and member of the Massachusetts Port Authority. The board of trustees met separately with each candidate in open session before voting to select Meehan as president. They cited Meehan’s strong record of achievement and success at UMass Lowell, his distinguished record of public service, his passion for UMass and its mission, and his ability to communicate and to inspire as being among the reasons for selecting him as the University’s 27th president. The former congressman will be the first UMass undergraduate alumnus to serve as president of the five-campus, 73,000-student system.

State Business Confidence Hits Pothole in April
BOSTON — The Associated Industries of Massachusetts Business Confidence Index dropped 1.1 points in April to 59.1, backing off from its post-recession high.
“In April, the snow finally melted, the sunlight got stronger, and Massachusetts employers were a bit more positive about current business conditions — but other concerns weighed more heavily,” said Raymond Torto, chair of AIM’s Board of Economic Advisors (BEA) and lecturer at the Harvard Graduate School of Design. “The index’s decline is attributable to lower confidence among the state’s manufacturers, who confront both weak growth domestically and challenges in global markets due to the stronger dollar.” As in 2014, Torto noted, the index performed well through a weak first quarter for the U.S. economy, which recorded a 0.2% growth rate. “We think AIM members have confidence in the fundamental stability of business conditions,” he said. “Slow growth has caused survey respondents to temper their expectations, but they continue to foresee improving conditions ahead. The AIM Index is up 6.1 points from last April and 9.6 points over two years, reflecting a significantly better business climate in Massachusetts and nationally.” The AIM Business Confidence Index, based on a survey of Massachusetts employers, has appeared monthly since July 1991. It is calculated on a 100-point scale, with 50 as neutral; a reading above 50 is positive, while below 50 is negative. The index reached its historic high of 68.5 on two occasions in 1997-98, and its all-time low of 33.3 in February 2009. Most of the sub-indices based on selected questions or categories of respondent declined from March to April, but all were up from a year before. The Massachusetts Index, assessing business conditions within the Commonwealth, shed 2.2 points on the month to 58.6, and the U.S. Index of national business conditions lost 1.7 points to 53.8. “Despite the weak first quarter, the U.S. Index been above 50 for five consecutive months, and seems at last to be established in positive territory,” said Alan Clayton-Matthews, professor at the School of Public Policy and Urban Affairs at Northeastern University, a BEA member. “The Massachusetts Index continues to lead its national counterpart, and the latest MassBenchmarks Economic Index shows that the state’s economy has outperformed the nation’s so far this year.”

Springfield Issues Permits for Casino Site Work
SPRINGFIELD — Following months of design reviews and coordination meetings, the city is preparing for a significant amount of utility construction work to begin in and around the casino resort area in downtown Springfield. Beginning in the next few weeks, utility upgrades, expansions, and relocation work will begin on roadways surrounding the footprint for the casino resort, specifically Main Street, Union Street, East Columbus Avenue, and State Street. The work is required to terminate existing utilities that currently serve buildings that are slated for demolition; reconstruct, upgrade, and relocate utilities surrounding the MGM Springfield development area to support the size and scale of the project; and perform necessary maintenance on the aged infrastructure to extend its life expectancy into the future to support the casino development and additional growth. The Springfield DPW has issued numerous permits for utility disconnections and installation of project fencing. However, the department is preparing for a significant ramping up of construction activities through the spring and summer. Christopher Cignoli, DPW director, noted that, “based upon our meeting with the MGM Springfield development team, its contractors, and all of the area utility companies, there will be a significant amount of work occurring in the next four to six months in and along Main Street, Union Street, East Columbus Avenue, and State Street. Our job is to coordinate all of the requests for work and attempt to minimize the impact to parking and traffic and to notify the public as much in advance as possible to seek alternate routes, if necessary. We also have to coordinate this utility work with any work proposed for the I-91 viaduct project, which is also scheduled to begin in the next few months.” In order to provide the public with as much information as possible on the construction of the entire casino complex and associated construction work, the city will be launching an MGM Springfield casino-construction website, which will list all the permits issued by the city as well as issue weekly construction updates to notify residents and businesses of potential impacts.

State Announces Solar Milestones
WORCESTER — Energy and Environmental Affairs (EEA) Secretary Matthew Beaton announced that Massachusetts has installed more than 841 megawatts of solar electricity, bringing the Commonwealth more than halfway to the Baker-Polito administration’s goal of 1,600 megawatts by 2020. “Today’s announcement further supports the Baker-Polito administration’s commitment to a vibrant clean-energy sector that creates jobs and economic prosperity for the Commonwealth,” Beaton said. “Continuing to diversify Massachusetts’ energy portfolio through the development of solar generation will work to strengthen the state’s growing clean-energy economy while supporting new, innovative technologies.” The 841 megawatts of installed solar electricity is enough to power more than 128,000 average Massachusetts homes, and is responsible for reducing greenhouse-gas emissions equal to taking over 73,000 cars off the road. “Under the Baker-Polito Administration, Massachusetts will continue to harness solar power to protect the environment, save on energy costs, and create jobs,” said Department of Energy Resources Commissioner Judith Judson. “This is an exciting milestone toward the year when we meet our solar goal of 1,600 megawatts and generate 3% to 4% of today’s electric demands with local, available solar power.” According to the Solar Foundation, Massachusetts ranks second in the U.S. for solar jobs, while every dollar invested in solar in the Commonwealth creates $1.20 in economic benefits to the local economy, according to the Dukakis Center for Urban and Regional Policy at Northeastern University. Last year, solar electricity capacity installed was the fourth-highest in the country. “Solar energy is an economic driver here in Massachusetts, employing more than 12,000 workers in high-quality clean-energy jobs,” said Massachusetts Clean Energy Center CEO Alicia Barton. “Working together across government and in partnership with industry and communities, we’re well on our way to meeting our goal.” There are solar installations in 350 of Massachusetts’ 351 cities and towns, with at least 175 local communities hosting projects that directly benefit the municipality. There are more than 25 megawatts of solar at over 180 schools across Massachusetts, 30 megawatts on farms, and eight megawatts on state buildings and land.

Daily News

BOSTON — The Associated Industries of Massachusetts Business Confidence Index dropped 1.1 points in April to 59.1, backing off from its post-recession high.

“In April, the snow finally melted, the sunlight got stronger, and Massachusetts employers were a bit more positive about current business conditions — but other concerns weighed more heavily,” said Raymond Torto, chair of AIM’s Board of Economic Advisors (BEA) and lecturer at the Harvard Graduate School of Design. “The index’s decline is attributable to lower confidence among the state’s manufacturers, who confront both weak growth domestically and challenges in global markets due to the stronger dollar.”

As in 2014, Torto noted, the index performed well through a weak first quarter for the U.S. economy, which recorded a 0.2% growth rate.

“We think AIM members have confidence in the fundamental stability of business conditions,” he said. “Slow growth has caused survey respondents to temper their expectations, but they continue to foresee improving conditions ahead. The AIM Index is up 6.1 points from last April and 9.6 points over two years, reflecting a significantly better business climate in Massachusetts and nationally.”

The AIM Business Confidence Index, based on a survey of Massachusetts employers, has appeared monthly since July 1991. It is calculated on a 100-point scale, with 50 as neutral; a reading above 50 is positive, while below 50 is negative. The index reached its historic high of 68.5 on two occasions in 1997-98, and its all-time low of 33.3 in February 2009.

Most of the sub-indices based on selected questions or categories of respondent declined from March to April, but all were up from a year before. The Massachusetts Index, assessing business conditions within the Commonwealth, shed 2.2 points on the month to 58.6, and the U.S. Index of national business conditions lost 1.7 points to 53.8.

“Despite the weak first quarter, the U.S. Index been above 50 for five consecutive months, and seems at last to be established in positive territory,” said Alan Clayton-Matthews, professor at the School of Public Policy and Urban Affairs at Northeastern University, a BEA member. “The Massachusetts Index continues to lead its national counterpart, and the latest MassBenchmarks Economic Index shows that the state’s economy has outperformed the nation’s so far this year.”

Restaurants Sections
Center Square Grill’s Partners Celebrate an Eventful First Year

Michael Sakey, left, and Bill Collins

Michael Sakey, left, and Bill Collins say the lively tap room turns regulars into friends.

Michael Sakey said restaurants often conduct a soft open with family and friends to work the kinks out before opening the doors to the public.

In the case of Center Square Grill, the East Longmeadow eatery he and business partner Bill Collins launched last spring, the soft opening got a little out of hand. Of the 600 or so people they invited, only 250 said they would come — but 450 showed up.

“By 8 o’clock, we were out of vegetables; then we ran out of proteins,” Sakey said.

Yet, they were enthused by the response to the food that was served — and they’re still excited a year later.

“Sometimes I have to pinch myself,” Collins said. “It’s been a great ride. We’re psyched with our numbers, and the reviews have been great — four and a half stars on Yelp.”

The pair partially credits their success to their chemistry in the kitchen and business, forged over a 15-year friendship, during which they worked for Claudio Guerra, the serial restaurateur behind Spoleto and a broad array of other establishments.

“Not only have we been great friends for a decade, but in business, we both bring different things to the table,” Collins said, recalling how a chance conversation over glasses of wine about 18 months ago turned into a plan to launch their own enterprise. “When we started talking about doing this, it just snowballed.”

Their success in getting off the ground startled them, but also gave them confidence, he added. “We raised the money to buy the place in two and a half weeks. Once we got a ‘yes’ from one investor, we were more comfortable in the next meeting, and the next. By the last meeting, we were like, ‘are you kidding me? Why wouldn’t you invest in our business?”

Opening the doors was a leap into the unknown, but entrepreneurship has suited them so far.

“When we were first talking about a concept we liked,” Collins said, “we thought, ‘wouldn’t it be great if we opened this place, and it didn’t go out of business? That would be really cool. Then, once we got a little more secure, we started to think we’d actually make it. It’s been a ride, going from being salaried employees, getting a paycheck every week, to making sure everyone else gets their paycheck every week.”

For its annual Restaurant Guide, BusinessWest sat down with Sakey and Collins to talk about wine, local produce, restaurant reviews, and the mentor they both credit with giving them the confidence to succeed on their own.

Career Moves

“I always joke that I was an accidental restaurateur,” said Sakey, adding that he studied theater in college. Even then, though, he was a restaurant veteran, having worked at pizza, sub, and coffee shops from age 14. In early 2000, he took a job with Guerra, who was opening Spoleto Express at the time.

“I went in thinking, ‘it’s just going to be for now, until I figure out what’s next.’ Over the next 12 years, it spiraled into spearheading the catering division, helping open many restaurants for Claudio, and becoming really good friends with Bill.”

He was also starting to sense a connection between food and his other passion. “Restaurants can be theatrical,” he said. “It’s kind of like throwing a party every night. If you can make them all happy, that’s something really unique, not like any other industry I can think of.”

Collins knew at a younger age where his career was headed. “I’m an un-accidental restaurateur,” he said. “I joke that I wish being a doctor ran in my family, but, no, my family owned restaurants and hotels in New York.”

He started working in those businesses from a young age and rose through the ranks. “I was the youngest restaurant manager ever hired by Applebee’s,” he told BusinessWest. “The head of HR met with me, tapped me on the shoulder, and said, ‘please don’t tell anyone you’re under 21; I might lose my job.’”

Local art

Local art — fitting for the fare served up at Center Square Grill — livens up the restaurant’s interior.

Collins met Guerra in 1999, when he was 19. While holding down his managerial job at Applebee’s, he worked as a waiter at Spoleto, just to get his foot in the door in a company he had long admired. He eventually became director of operations. “I wound up opening six concepts with him — and we closed some concepts, too. I got to see the good, the bad, and the ugly. He’s been my mentor in the business.”

Sakey recalls how one location Guerra owned morphed from a fine-dining restaurant to something with a pub feel, then to what is now his flagship Spoleto location. “To have three different concepts in one location and still come out on top … it really does take a unique individual to weather the storms of this industry and know when to change and admit to himself that, even though he liked a concept, it wasn’t working as a business.”

As for Center Square Grill, the partners have broken away from the Italian fare Guerra specializes in. “We call ourselves a creative American grill, but we pull from South America, classic French cooking, New Orleans, Jamaica — we even had some Asian dishes,” Sakey said. “We try to do many things well.”

Collins noted that there are about a dozen Italian restaurants in a 10-mile radius, and families tend to go to their favorite. So he and Sakey wanted to bring more variety to the table.

“My favorite thing about the menu is, if you want to come in and get a cheeseburger and an IPA, you can do that,” Sakey said. “If you want to take your wife out and have oysters and a filet topped with crab Oscar, you can do that, too. The menu runs the gamut, and the atmosphere does, too.”

Indeed, the restaurant features a few different dining areas, from a formal dining room to a small room for private events to a lively bar area. “The tap room is where we meet the regulars; they’re actually friends now,” Sakey said, recalling how one regular and her mother were sitting at the bar, talking about making homemade ravioli, and he joked that they should bring him a couple. “The next day, they brought in two platters — one for each of us — and said, ‘dinner’s on us tonight.’”

Guerra himself has visited the restaurant on several occasions, and the partners said he has been supportive of their new venture. “He taught me the culinary side,” Sakey said. “I made my first roux working with him — ‘no, you’re browning it too much, you want that nutty smell’ — but he also taught me front of house. For a guy in chef whites to be just as good in front, that’s incredible.”

Collins agreed. “The guy doesn’t miss a detail in front of house. He burned a lot of that into us.”

The employees have picked up on that sense of pride, Sakey added. “I can’t speak more highly about the staff. Front of the house, back of the house — they take such ownership of what they’re doing. It’s unique and amazing.”

On the Menu

Collins said that Center Square Grill has stayed true to its original core of steak, seafood, and pasta, but the menu offers many iterations on dishes in those categories, and others.

“We’ve tried to change the menu seasonally,” he added. “Most restaurants, out of the gate, don’t change the menu often, but we wanted to change with the season, and use local produce when it’s available, local meat when it’s available. We bought a whole lamb from a farm recently and used every single piece of it.”

Changing the menu also keeps people coming back to try new things, he added. But the regulars do have their favorites, including a crispy duck confit with house-made tomato jam, butternut squash risotto, and seasonal vegetables; seared Maine diver scallops over asparagus risotto and finished with a lemon thyme beurre blanc; Jamaican jerk chicken thighs marinated in a Caribbean rub and served over dirty rice with black bean corn salsa and chiptle aioli; and a slow-braised lamb shank with creamy polenta and seasonal veggies, finished with a twice-reduced port wine demi-glace.

Collins has been on a mission to create lamb converts with the latter dish, arguing that people who say they don’t like lamb are thinking of their grandmother’s gamy-tasting lamb topped with mint jelly. So he created a lamb-based amuse-bouche to give reluctant diners a taste. “I’ve converted every single one of them. I have people who said ‘I don’t like lamb’ ordering the lamb shank.”

Sakey takes particular pride in the restaurant’s impressive — and affordable — array of wine, beer, and cocktails.

“I think our wine program is one of the things that makes us unique. Bill and I know what wine costs, and when we go out and see a bottle of wine being sold for five times the cost, it’s hard to take the leap,” he told BusinessWest, noting that some restaurants mark up the price three or four times what he does. “We want people to be able to try more than the house wine and not worry about getting taken.”

Added Collins, “it’s a matter of inventory — do I want to sell wine, or do I really want to sell wine? It’s no benefit for me to sit on one case of wine for years.”

the restaurant’s outdoor patio

Warmer weather means ideal conditions to enjoy a meal or drinks on the restaurant’s outdoor patio.

To make sure the food keeps bringing people back, the restaurant recent hired Andrew Brow as head chef. “He was chef at a French bistro in North Carolina, but had moved up here to be closer to his family,” Collins said.

Brow took a job as director of operations for Rachael’s Smoked Fish, a division of J. Polep in Chicopee. But his passion for the chef’s life eventually took over. “We wanted him to come in one or two nights, to keep his hand in it, and eventually he left Rachael’s and came here full-time. We’re fortunate — he’s been in the food business all his life.”

Collins characterized himself and Sakey as foodies, noting that they visit other restaurants regularly, keeping abreast of what’s happening in their industry. That passion for food, however, is balanced by what they call a refreshing lack of ego. “It’s collaborative; if Mike has the better idea for a dish, it goes on the menu. If I have a better idea, or if Andrew has a better idea, that goes on the menu.

“I’d be lying if I said there wasn’t a little ego, but it’s ego about getting the best product on the menu,” he went on. “It’s a full-on collaboration. It’s a great process, and it keeps us all energetic about finding new ideas. You don’t want to be the one guy at the table without an idea.”

Star Struck

It has been, by any measure, a strong first year at Center Square Grill. “I don’t think we’re just lucky,” Collins said. “It’s taken a lot of hard work. But we’re fortunate in the way the outcome has turned out.”

As for that four-and-a-half-star Yelp rating, Sakey likes it just where it is, noting that it’s a reminder that he, Collins, and Brow can always aim just a bit higher. “Nothing’s ever perfect,” he said, “but we can be really good.”

Collins disagrees, saying he wants that extra half-star.

“The drive for five fuels my passion for food,” he said, saying it’s a constant obsession. One day, he was telling a friend about a conversation he had with his fiancée, Julia, while lying in bed, telling her about an idea for a new dish.

“Someone overheard me talking about that, and they said, ‘that’s your pillow talk?’ But I’m always thinking about what I’m going to do next, what’s going to be on the table the next day.”

Joseph Bednar can be reached at [email protected]

Restaurants Sections
The Alvah Stone Creates Cuisine for Every Palate

Howard Wein

Howard Wein says attention to detail has led to the success of the Alvah Stone.

Howard Wein is sitting at a copper-topped table positioned directly above the Saw Mill River in the Alvah Stone restaurant in Montague. The view of the waterfall rushing over a rocky surface below is mesmerizing, and the blues music that echoes softly throughout the historic, carefully apportioned structure was carefully chosen by him to enhance the atmosphere.

“We want this to become known as a community-based neighborhood restaurant that is also the best restaurant in the Valley,” said Wein, who opened his eatery a year ago. “But it’s not a special-occasion place. It’s very casual and very comfortable, and we are providing a service and resource to the community that didn’t exist. We are focused on appealing to different people for different reasons at different times of the week, which is why we have such a flexible menu.”

The restaurant is only one of Wein’s undertakings (more about that later). But it brings together everything he has learned in his career, which includes extensive experience in some of the most competitive markets in the restaurant and hospitality arenas.

“I’ve always wanted a brick-and-mortar business in the community, and this is my dream space,” he said. “You could put this restaurant anywhere in the world, and people would find the setting absolutely spectacular. It’s the most unique location within an hour in any direction.”

Preserving the Past

Wein conducted an in-depth study of the building’s history before renovating the interior, as he felt it was important to retain its character. It is one of several establishments in the historic Montague Mill, including the Montague Bookmill and the Sawmill River Arts Gallery.

“Many different things happened in this building,” Wein told BusinessWest. “In addition to being a grist mill, the logo for Louisville Slugger bats used to be stamped on them here, and it was once home to Martin Machine Shop. But the mill was built in 1834 by Alvah Stone, so I took his name for my restaurant.”

He also kept original machinery related to the gristmill’s operation, some of which is still embedded in the floor, and added a few other historic pieces. But he also injected a modern flair into the space, which can be seen in details such as the citron color of the drink menu, which was created to match the hue of the overhead light fixtures.

Wein also built a bar that serves fine wines and draft beer, including Alvah Stone Ale, made for the restaurant by Lefty’s Brewery in Greenfield, as well as a full stock of liquor.

The Alvah Stone was designed to appeal to a wide audience, and its menus include the best meat and produce that can be found in the region, Wein said. “We are very focused on using local ingredients that are produced close to us. Sustainable agriculture is very important to me,” he noted, adding that he doesn’t limit his business to farms labeled ‘organic’ because he knows the certification process is costly and there are many “very small, talented local growers in the area.”

The Alvah Stone’s outdoor patio

The Alvah Stone’s outdoor patio is set above the scenic Saw Mill River.

However, he takes great care with the menu, grouping the selections into several categories. People can stop in at the bar and get a homemade pretzel and a beer or hot dog on a brioche bun, share a few items with friends, or order a full meal prepared with ingredients grown in the area.

For example, the restaurant serves Wagyu sirloin, which is the American version of the renowned Japanese Kobe beef known throughout the world for its quality. “We get it from Royalton Farms in Vermont. They are the only producer east of the Mississippi that breeds this beef. It’s very, very rare,” said Executive Chef Dave Schrier, adding that the farm also raises highly sought-after Berkshire and Mangalitsa pork.

Schrier loves all types of food, and although the menu is strongly influenced by Southern and American dishes, there are also items with a bold Asian influence, such as soba noodles and bok choy. “We don’t label ourselves farm to table, but 95% of what we use comes from local farms,” he said, adding that the menu changes frequently.

Wein said local ingredients, including fresh juices, are used in many of the cocktails, and herbs such as sumac and pepper are infused into vodka and other spirits.

“We give everything we do here a lot of thought. The Alvah Stone is not about me; it’s about the experience people have here and the team who serves guests from the moment they enter,” he said. “It’s also about the colors we use, the music we play, and the way tea is served. Every single detail, including every word on the menu, matters.”

To that end, even the menus are in distinct colors: black and white for the food and citron for the cocktail selection. New drinks are created frequently with names that reference the area’s history, such as the Machine, Scotch Shagger, Old to Alvah, and Gristmill Grog.

Fusion of Knowledge

Wein’s illustrious career has come full circle at the Alvah Stone. He chose to leave a high-profile position in New York City four years ago to move his family to Leverett, which is a six-minute drive from where he established Howard Wein Hospitality LLC in 2011.

Everything on the menu at the Alvah Stone is made at the restaurant

Everything on the menu at the Alvah Stone is made at the restaurant, including the sausages, hot dogs, breads, hot pretzels, and pastries.

He met his wife, Jennifer, in 1993 when they were both students at Hampshire College, and after Wein graduated with a degree in culinary arts and business, he stayed in the area while she finished her studies. “I was cooking at Sienna Restaurant in South Deerfield and was also the executive director for food and beverage at Jacob’s Pillow,” he told BusinessWest.

But he wanted to own his own business, so he returned to school and earned an MBA from the Cornell University School of Hotel Administration, which launched him on an ambitious career path. “I took a job at the corporate office of Starwood Hotels and Resorts in White Plains, New York, and was responsible for 400 hotels doing $2 million of revenue in food and beverages alone,” he said.

His next stint was chief operating officer of Starr Restaurants in Philadelphia, where he grew the company from a $40 million operation with eight locations in the City of Brotherly Love to a $120 million business with 16 locations in three cities. “It was amazing, but it was also exhausting. I was working seven days and at least 120 hours every week,” he recalled.

Four years later, Wein took a job as senior vice president of restaurants, bars, and entertainment for the Morgan Hotel Group in New York City. He commuted back and forth from Philadelphia each day and traveled frequently, as the group has hotels in London, Las Vegas, New York, Miami, San Francisco, and Los Angeles.

But after his daughter was born, he and Jennifer decided it was time to move back to Western Mass., where they wanted to bring her up, so they left and bought a home in Leverett.

“My wife and I grow all of our produce and like being surrounded by an agricultural community,” Wein said. “This is a very liberal, intellectually-minded area, and people here are content with what they do and what they have.”

Shortly after, he opened Howard Wein Hospitality LLC, in the Montague Mill. He said the business has been very successful, with clients including Iron Chefs Geoffrey Zakarian and Scott Conant, who both regularly appear on the Food Network show Chopped.

But when the restaurant space next door became available, Wein was finally able to realize his dream of owning a restaurant business he cares deeply about.

Broad Audience

Wein is active in the community and serves on the Hampshire College board of directors. The institution was one of his clients before he became a board member, however, and he worked to connect the college’s food service with local farms.

As it has grown in popularity, the Alvah Stone expanded from a six- to seven-day operation. “This area is my home, and the restaurant is a big part of that. It’s an amazing place to work at every day, and we have built an amazing team and an amazing brand,” he said.

His statement is backed by positive reviews from both critics and patrons.

“This is a phenomenal place. It’s very calming and conducive to a fine dining experience,” said Nina Pollard from Hadley as she sat outside on a recent weekend and looked at the river rushing by.

Her dining companion agreed. “It’s a real retreat. The sights and sounds make it a moving oasis and work together to create a special ambience,” said Ann Kenny from Merrimack, N.H.

Wein is glad that people are enjoying his eatery and hopes it will grow and became a significant fixture in the Montague Mill’s history.

“We are trying to build something that will still be here in 50 years,” he said. “We are really committed to this, and everything we do is with a long-term vision in mind.”

Opinion
The Focus Should Be on the Talent Pool

The authors of the recent 10-year update of the region’s Plan for Progress (see story, page 6) are right to put a hard focus on the region’s talent pool and the obvious need to make sure it is large and deep enough for businesses large and small to thrive in the years and decades to come.

The update, released by the Pioneer Valley Planning Commission this week after more than 16 months of research and deliberations, lists a host of opportunities, challenges, and goals for the next decade, and improving the talent pool falls into all three categories.

It’s clearly a goal and certainly the most important one for this region moving forward. It’s an opportunity, because every state, every region, and every city will be facing the same burden over the next decade, and those which can tackle it successfully will have a huge competitive advantage over those who don’t. And those who fail to tackle it, well, they are going to be left behind.

And it is a stern challenge because the Baby Boomer generation is huge, and it will soon be leaving the workforce. In fact, many of its members have already departed. Replacing these individuals will be a stern test, not just with regard to sheer numbers, but also when it comes to the skill sets the next generation of workers must possess.

As we’ve noted on many occasions, members of previous generations could fairly easily earn a decent living and support a family without a college education and, quite often, even without a high school diploma. That will certainly not be the case moving forward.

But efforts to ensure a large, deep talent pool are not just about replacing retiring Baby Boomers — although that’s a big part of it. It’s about fueling the economic growth we anticipate that this region will experience over the next few decades, and, even more to the point, it’s about making sure that growth can occur.

As we’ve noted in recent months, there is in fact an entrepreneurial renaissance taking place in this region. Supported by groups like Valley Venture Mentors and inspired by the region’s colleges and universities, many young people are deciding that business ownership is an attractive career option.

The fledgling businesses and next-stage ventures now populating the Valley will need many things to succeed beyond a viable product or service. They’ll need capital, technical support, and mentoring to help ensure they don’t make the mistakes that derail so many new businesses.

But eventually, they’ll need talented employees. And without them, they won’t get very far.

There’s a theory that people will always go where the jobs are, and to a certain extent that’s true — Boston and Silicon Valley are perfect examples of this. But Greater Springfield is a very long way from being in that category.

Thus, this region most develop a workforce the hard way, by cultivating it. And as the updated Plan for Progress states, this must be a multi-pronged effort that includes everything from early childhood education (and making sure everyone has access to it) to introducing college students to career opportunities in this region in hopes that they will stay in this area code rather than start their career elsewhere.

Also, there must be targeted training programs such as those developed by the Training Workforce Options program to address needs within specific industries.

Getting this job done will not be easy, but for that reason, this matter of talent-pool development simply must have the region’s full attention.

The stakes are way too high, and failure simply is not an option. v

Daily News

HOLYOKE — On May 7, the Advertising Club of Western Massachusetts will unveil its new Creative Awards show, formerly known as the ADDYs, recognizing the creative work of advertising agencies and marketing departments throughout the region.

The club recently ended its affiliation with the American Advertising Federation (AAF) in favor of a show focused on the work of the local creative economy. The revamped Creative Awards show will be held at Open Square in Holyoke, a nod to the city’s recent commitment to a creative economy. Entries for the inaugural Creative Awards show comprised a variety of media, including photography, print work, video production, and more. The creative industry in Western Mass. and Northern Conn. responded positively to this year’s overhaul with more than 100 submitted entries.

“Seeing the entries submitted for this year’s show was a reminder of how deep the pool of talent is in our region,” said David Cecchi, club president and historian. “The Creative Awards will be a great opportunity for the local creative and business communities to celebrate the excellent work being done locally in advertising, design, and communications.”

Cecchi also noted the commitment of the club to serve as a connector between the business community and the marketing and communications communities in Western Mass. “The show will be a great opportunity for local business to get exposed to the creative resources available to them in the area — and meet the people doing great work.”

This year’s Creative Awards judges are Jeff Patch, partner and executive director of RDW Group; Maureen Gawron, creative services manager and associate creative director at the TJX Companies Inc.; and Amy Graver, principal and creative director at Elements, a creative-communications agency. “Really nice pieces in this year’s show,” noted Graver. “There is also a lot of diversity in the type of work being submitted.”

With a view to breathing new life into the awards show and re-engage the local creative community, Creative Awards co-chairs Lynn Saunders and Scott Whitney, both of Six-Point Creative Works, have rebuilt the program from the ground up. “We really started from scratch in terms of determining categories, submission process, and the format of the show,” said Whitney. “It’s certainly been a daunting task, but we’ve already had a lot of support from our colleagues in the industry who appreciate that the Ad Club is focusing on the work of local creatives.”

Features
How a New Type of Virus Is Destroying Small Businesses

By DELCIE BEAN

Since the advent of the computer, even before the Internet, there have been viruses.

At its most simple form, a virus occurs when malicious computer code is hidden inside of other programs or data. While the concept of a virus itself is anything but new, just about everything else about them is.

Delcie Bean

Delcie Bean

A computer virus typically fits into one of three categories. First are nuisance viruses, typically created by a single person or a very small team that creates a virus that makes a computer do something that frustrates or annoys the user. In these cases, the most that is ever gained by the authors is bragging rights among their peers.

Second are resource viruses, which turn a computer into a robot that can be controlled by a hacker to do things like send spam e-mail. Typically the creator has a financial motive, but the end user whose computer is infected doesn’t typically suffer any consequences and, in many cases, might not even realize for months that they are infected.

For many years, these were by far the two most common types of viruses, but over the last 18 months, we have seen an unprecedented number of infections by a third category called ransomware. This type of virus infects a user’s computer and then holds the data contained on it hostage for a ransom.

As if that wasn’t scary enough, there is something else that makes this particular category a real concern. Normally a virus will come out, it will run its course, a protection will be developed by the antivirus community, and the problem will slowly fade out of existence. In this case, however, not only has the antivirus community been having a very hard time figuring out how to block it, each time they have been successful, the virus has come back a few months later even stronger and harder to stop.

The latest virus of this third category we find ourselves tangling with is called CryptoWall 3.0. We have been dealing with versions of this virus for the past two years; however, this latest strand is without question the most dangerous and complex virus that has ever hit the U.S. This is without question cyberterrorism, and the victims this time, more than ever, aren’t just home users, but businesses.

Once you get this virus, it immediately begins encrypting any data it can see. It scans your network drives, Dropbox, Google drive, and desktop, and encrypts everything it can touch. It is even able to infect your backups so you can’t simply just restore your files.

Once the files are encrypted, you have to pay a ransom to get them unencrypted. Some versions of the virus are even using a complex algorithm that estimates how much money they think you can afford. Most people end up with a $500 ransom at first that gets larger the longer you don’t pay it. However, you have only 30 days, and after that, you’re done. If you pay the ransom, they will promptly send you a key that will unlock all of your files. If you don’t, your files are gone forever because you will never be able to open them.

Over the last three months alone, I have personally seen a wide range of victims, including medical offices that have lost access to their electronic medical records as well as other critical patient data, law firms that lose access to client-management systems and case files, companies from all industries that lose access to their e-mail, municipalities that lose access to their billing systems, and manufactures that lose access to their ERPs.

In every single case, it was a work-stopping event where the business owner was put in the very difficult situation of having to decide to pay a ransom to an overseas terrorist or lose access to critical data forever.

In the short term, there is little we can expect from law enforcement. The terrorists seem to be aware of how to escape prosecution, using bitcoins as their form of ransom payment and being careful to never hit any one customer for more than a couple hundred thousand dollars, well beneath the realm of investigation for the FBI.

Fortunately, there are some things you can do. First, have your e-mail filtered externally by a reputable third-party cloud service. This helps to keep an e-mailed infection from ever reaching your network. Second, have a business-grade firewall that has the option of subscription-based security services, — and, of course, activate them. Third, use a remote backup application to back up your data offsite and in a way that the virus can’t infect. Fourth, make sure you are using a reputable anti-virus product that has a centralized management component, that it is installed on every machine, and that it is set up to send out notifications to whomever manages your IT if a threat is detected.

There is no silver bullet here — it just isn’t that easy. With just one of these groups estimated to have reaped $3 billion in revenue last year alone, stopping their attacks isn’t going to be easy, and it’s only going to get harder. Your best defense is to make sure you have well-educated and experienced resources looking out for your business’s interests.


Delcie Bean is founder and CEO of Paragus Strategic IT; (413) 587-2666, ext. 105; [email protected]

Construction Sections
Safco Foam Insulation Helps Homeowners Fill In the Gaps

Stuart Fearn (center, with certified sprayers Todd Kinney, left, and Tyler Jenson)

Stuart Fearn (center, with certified sprayers Todd Kinney, left, and Tyler Jenson) says customers see spray-foam insulation as an investment that pays off in lower heating and cooling bills.

Stuart Fearn was a mechanical engineer by trade, but when the plant where he worked closed 12 years ago, he decided to switch gears and try his hand at entrepreneurship, figuring the sky was the limit.

Well, the roof, anyway.

“I looked at a bunch of different fields I might get into, and I came across spray-foam insulation,” he told BusinessWest. “I had never heard of it before, and I looked into it and studied it for months. I talked to people in the industry — suppliers and contractors from other areas, all over the United States — and I found out this was the real deal. So I decided to start my own business.”

He launched his Hampden-based company, Safco Foam Insulation, in 2003, touting the product’s ability to seal buildings more tightly than with fiberglass insulation, thereby reducing customers’ costs for heating and cooling. The timing, as it turned out, was ideal because of what was happening with energy prices at the time.

“When I started, those prices had started to rise. So my first five or six years in business, I saw 30% growth every year. Now I have multiple trucks and full-time crews, certified sprayers who have been working with me for more than eight years. All we do is spray-foam insulation.”

The upside for customers, Fearn noted, is the quality of the product. “The only downside is that it costs more money — initially.”

However, he said, “we did a cost analysis, and the average payback time is three years. It’s a no-brainer; it’s money in the bank. I ask people, ‘what else are you going to spend money on in your house that’s going to pay for itself? Nothing.’”

About 75% of Safco’s business comes through building and remodeling contractors — with about a 50-50 split between commercial and residential jobs — and the rest of the Fearn’s clients are homeowners.

“I’ve insulated hospitals; last year, we did a brand-new hotel,” he said. “We did the Pine Point Library renovation on Boston Road in Springfield. And we’ve done five or six jobs for Kringle Candle, which is a super-green company.”

Fearn recently sat down with BusinessWest to explain how spray foam is creating more energy-efficient new homes — and perhaps extending the lives of some older ones.

Expansion Mode

Spray-foam insulation, he explained, is sprayed onto any open surface or studded wall after electrical and plumbing services are in place. In seconds, the product expands to 100 times its initial liquid volume, permanently adhering to the surfaces of the surrounding building materials and sealing all gaps. The foam takes less than one minute to cure, and can be covered with sheetrock boards within a few minutes.

Icynene, the specific spray-foam brand Safco uses, is ‘hydrophobic,’ drying quickly after contact with water and losing none of its insulating properties. But it’s also breathable, so any moisture in the building’s concrete or lumber escapes through the foam, thus eliminating any risk of mildew or mold.

“It’s a solid, so it controls air movement, and condensation is eliminated,” he explained. “When that happens, it prevents rot, mold, mildew, all kinds of bad things. And the building life is a lot longer.”

For those reasons and others, “it’s becoming more and more popular, not only here in Western Mass., but all over the country,” Fearn said. “In Eastern Mass., around the Boston area, inside of 495, spray-foam insulation is the rule right now. It has the majority of the market share in certain pockets of the country.”

He noted that, across the country, insulation sales overall went up 6% last year, reflecting an uptick in construction following several lean or middling years. “But Icynene sales and market share went up double that,” he said. “The spray-foam business is growing throughout the country, along with awareness of the product.”

That awareness is being driven partly by popular home-improvement shows on the HGTV and DIY networks, he said. “About 50 people at the Home and Garden Show told me they saw this on Holmes on Homes, which uses it almost every week. They’ve used spray foam on This Old House. It’s becoming mainstream, and building codes are now encouraging it.”

When Fearn launched his enterprise, there were spray-foam insulators in Pittsfield and Charlton, but the field has since become far more crowded as the product becomes more popular with contractors and homeowners.

“We’re in a good place right now, but it is a very competitive environment. That means everyone has to be cost-competitive — and I haven’t raised my prices in probably seven or eight years,” he told BusinessWest. “At the same time, we’ve invested in the best equipment so my guys can work more efficiently, so we don’t have to raise prices.”

That’s the same kind of long-term cost analysis that consumers and contractors bring to the spray-foam decision, he noted, understanding that the initial cost up front is eventually surpassed by lower heating and cooling costs.


Keeping Cool

The proof, to Fearn, is in satisfied clients, noting that his company has completed more than 2,000 jobs. He ran into many of them at the recent Western Mass. Home & Garden Show at the Eastern States Exposition, and counted at least 24 fellow vendors through which his company had obtained work.

Indeed, spray foam saw an explosion in popularity over the past decade; in 2008, it represented about 3% of all new-home insulation but rose to 11% in 2012, riding a tide of stricter home-energy codes, according to a report by Home Innovation Research Labs.

But that figure fell back to 8% in 2013, and it may have to do with cost, the report noted. “Home builders are economizing across multiple product categories, using fewer and less expensive materials. This was seen in porches, decks, windows, flooring, and other product categories.” Meanwhile, with spray foam more common in higher-end homes, the market shift toward multi-family homes, currently accounting for one-third of all new home starts, might be keeping spray-foam sales down.

Still, Fearn continues to make inroads with the product, recounting a customer he saw at the show, a homeowner from Enfield. “He said, ‘thank you, thank you … you insulated my Cape, and it’s unbelievable; it’s super warm up there. I don’t even run the heat on the second floor anymore; I just heat it from the first floor, and the second floor stays warm, within two degrees of the first floor.’

“He was ecstatic,” Fearn went on, “but I said, ‘if you think you’re happy now, wait until the summer.’ Customers notice an even greater improvement in the summer, especially in a two-story house. Because of the foam insulation against the roof, it stops heat from coming in in the first place.

“Most people in our neck of the woods, when they think about insulation, they think of the terrible winter that just ended, and everyone thinks about heating,” he added. “But when are all the electrical brownouts? In the summer.”

Simply put, he argued, a product like spray-foam insulation reduces dependence on air conditioning, which reduces the load on the entire electrical grid. “The peak load on the grid comes during the summer. If we want to lower electrical demand in the summer, most of it comes in the form of AC. If we could minimize that, it would go a long way toward helping out our entire electrical infrastructure.”

Fearn noted that homes don’t have to be small or aesthetically dull to save on energy.

“These buildings insulated with foam are super-efficient, and they’re going to be affordable to keep around,” he said. “There are large, Victorian houses in Forest Park and Hill-McKnight in Springfield, and they’re beautiful. But if there’s a little more price increase in energy, those may be extinct because people just cannot afford to live in them and heat them.

“A large portion of the existing housing stock that is like that,” he went on. “That’s very worrisome to me. But it’s also market possibility for me.”


Joseph Bednar can be reached at [email protected]

Departments People on the Move

Anne Paradis

Anne Paradis

The Professional Women’s Chamber (PWC) announced that Anne Paradis, Chief Executive Officer for MicroTek Inc. in Chicopee, has been named the PWC 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 will be held on May 19 at 5:30 p.m. at the Carriage House, Storrowton Tavern in West Springfield. “We are thrilled with this year’s honoree — a truly inspiring and accomplished woman like Anne Paradis,” said Janet Casey, PWC board president. “She is a domestic trailblazer among women in the high-tech industry, and the opportunity that she has provided to people with disabilities speaks so deeply to her sense of compassion. Her achievements are spectacular and her generosity admirable.” Microtek was founded in 1983 with the mission of integrating individuals with disabilities into the workforce. 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. Paradis was tapped to lead the organization in 1987. Under her guidance, the company has grown an average of 15% each year, expanded its product lines and client base, and created more than 80 jobs. As well, Paradis has led the organization through construction of a new 22,000-square-foot manufacturing facility, obtained industry certifications as well as ISO 9001:2008 and ISO 13485:2003 registrations, and has been awarded the Massachusetts quality-of-service certification with distinction for employment services every year since 1996. Prior to joining MicroTek, Paradis served as a management and training consultant, served as the marketing director and employment design specialist for New England Business Associates, and spent nearly 10 years in the mental-health field. She is a member of the Baystate Health board of trustees and vice chair of its audit committee, past president of the Women’s Fund of Western Massachusetts board of directors, corporator of the Wentworth Institute of Technology, and former president of the National Assoc. of Supported Work Organizations board of directors. She also served on the reference services advisory board for UMass and the electronic advisory committee for Chicopee Comprehensive High School. She is also active in the Social Enterprise Alliance, the Wire Harness Manufacturer’s Assoc., the Women Presidents’ Organization, and the Human Right Campaign, and in 2009 was named to the 21st Century Women Business Leaders Hall of Fame at Bay Path University. Tickets for the May 19 celebration, sponsored by BusinessWest, are $55. To register, visit www.myonlinechamber.com or e-mail [email protected].
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Paul Kleschick

Paul Kleschick

Paul Kleschick has joined American International College (AIC) as its new Registrar. Kleschick recently performed consulting work for a variety of colleges and universities. Prior to working as a consultant, he was registrar at St. Joseph’s University in Philadelphia. He previously served as the associate registrar at Georgetown University and Temple University. Kleschick graduated from Cabrini College in Pennsylvania with a bachelor’s degree in biology. He earned his master’s degree from Temple University and his MBA from Philadelphia University.
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Melinda Graulau

Melinda Graulau

The Affiliated Chambers of Commerce of Greater Springfield announced that Eastfield Mall and Auburn Crossing General Manager Melinda Graulau has been chosen as its 2015 recipient of the Leadership Community Service Award. The award will be presented at the Leadership 2015 graduation ceremonies on April 16 at the Springfield Sheraton. Leadership 2015 is a unique collaboration between the ACCGS and Western New England University (WNEU) to teach middle- and upper-level managers the crucial thinking and problem-solving skills needed to prepare participants to be effective leaders in service to the community and their workplaces. Since 1990, the award has been presented annually to a citizen or organization that exemplifies the program’s values of leadership in the workplace and in the world and a commitment to community service. A 2012 graduate of the program, Graulau moved to Western Mass. in 2009 to take on the role of general manager at the two shopping malls for Mountain Development Corp. She leads a team of 40 and is responsible for temporary and permanent leasing, expense control, personnel development, contract negotiations, and community relations.
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J. Polep announced the promotion of Adam Kramer to vice president of Purchasing and Food Service. Kramer has been with J. Polep since 2006, most recently as director of Food Service. Over the past nine years, he has also been a field sales representative, district manager, and president of Grote & Weigel (a division of J. Polep).
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Country Bank’s annual meeting was held at the Worcester Art Museum last month. The evening’s agenda included the election of trustees, corporators, and officers, as well as a report of 2014 highlights and financials. The 10 new incorporators are: Dr. Mohammed Ahmed, Sheila Cuddy, Brian D’Andrea, Robert Dik, Mary Falardeau, Janice Kucewicz, Lauren Miller, Timothy Murray, James Paugh III, and Richard Poissant.
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The Westfield-based engineering firm Tighe & Bond announced the following:
Christina Jones

Christina Jones

The American Council of Engineering Companies of Massachusetts (ACEC/MA) named Christina Jones, a project engineer in the company’s Westfield office, the recipient of the 2014 ACEC/MA Young Professional of the Year Award. The recognition took place during ACEC/MA’s Engineering Excellence and Awards Gala on March 18 at the Royal Sonesta Hotel in Cambridge. Each year, this competitive award recognizes the accomplishments of one engineer, 30 years old or younger, based on their work and its societal impact. Jones, who is a licensed engineer in Massachusetts, was recognized for achieving significant successes within just five years of launching her civil- and environmental-engineering career. For the city of Chicopee, she provided construction administration and observation, research, and analysis for the first paving project in Massachusetts to implement cutting-edge intelligent-compaction technology. The result was a more streamlined, cost-efficient paving process, and better-quality pavement that is slated to have a longer life. Jones is also developing an integrated management plan for Chicopee, which will include working with regulators to advance green infrastructure as an alternative approach to separating combined sewer overflows. In addition, she is developing a unidirectional flushing plan for cleaning water-distribution pipes that will improve water quality and pressure throughout Chicopee. For two of Connecticut’s major water suppliers, Jones has developed hydraulic models of critical water reservoirs to assess the impact of new fish-habitat-friendly stream-flow regulations on reservoir management. This research enabled her to assist with reservoir-management decisions. Jones earned her bachelor’s degree in civil engineering and environmental engineering, as well as her master’s degree in environmental engineering, from UMass Amherst. Her professional affiliations include the American Water Works Assoc., the New England Water Works Assoc. (where she is a programs committee member), and Engineers without Borders. She also previously served as a student activities committee member for the New England Water Environment Assoc; and
Michael Toto

Michael Toto

Michael Toto has been hired to manage the company’s mechanical, electrical, and plumbing (MEP) team. A senior electrical engineer with more than 21 years of experience, Toto has managed a wide range of commercial, industrial, and institutional engineering projects. He has provided engineering services to numerous well-known industry giants and prominent institutions. His expertise includes the study, design, permitting, construction management, construction administration, and startup of numerous building and infrastructure facilities. His portfolio of projects includes all phases of engineering for electrical infrastructure. As a project manager, he has led many project teams during various phases of projects simultaneously, and has been the leader on several jobs with multiple owners during his professional experience. Toto earned his bachelor’s degree in electrical power engineering from Rensselaer Polytechnic Institute. His professional affiliations include the Institute of Electrical and Electronics Engineers Power Engineering Society, the National Fire Protection Assoc., the Illuminating Engineering Society of North America, and the Assoc. of Energy Engineers.
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The regional law firm Bacon Wilson, P.C. announced that Attorney Kenneth Albano was recently appointed to the board of directors of the New England Chapter of the March of Dimes. Albano is also currently serving a second term as board chair of Massachusetts’ Western Division Chapter. The March of Dimes is a national organization whose primary mission is to reduce birth defects, premature birth, and infant mortality. Upon learning of his appointment to the New England Board, Albano noted that “I am very pleased to continue my service to the important mission of the March of Dimes. The good work of the March of Dimes improves the health of Massachusetts babies and provides support to their families.” Albano is a senior partner with Bacon Wilson and a member of the firm’s corporate, commercial, and municipal practice groups. Bacon Wilson is one of the largest firms in Western Mass., with a total of 40 lawyers and approximately 60 paralegals, assistants, and support staff.
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Beloved Earth, the Pioneer Valley’s first ‘green’ cleaning company, hired Andrew Sbrega of Chicopee as its first residential services manager for Hampden County. Over the past four years, Sbrega worked for Tropical Smoothies in Holyoke and oversaw a team of employees while keeping the shop space clean and building customer relations. Beloved Earth owner Terra Missildine said Sbrega’s leadership experience will positively influence his work as a services manager. As a residential services manager, Sbrega will oversee a cleaning team designated to the Springfield area. Since beginning the position in January, Sbrega has gained residential and office clients in West Springfield and Longmeadow. He and Missildine are currently in the process of hiring Sbrega’s team. Beloved Earth’s current teams focus on clients in Hampshire County and book an average of 250 hours of cleaning per week. Missildine wants to expand into Hampden County, and she sees Sbrega as an ideal leader to begin that outreach. “Andrew is committed to green living. He really walks the walk,” she said.
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The Dowd Insurance Agencies announced that Nadine West has joined the organization as a commercial-lines account manager. “We are very excited to have Nadine join our team of insurance professionals,” said John Dowd Jr., president and CEO of the Dowd Insurance Agencies. “She has a great deal of industry experience and brings a lot of enthusiasm for customer service.” West has been specializing in property and casualty insurance since 1998. She is a licensed property and casualty producer and holds the Certified Insurance Service Representative designation. Prior to joining Dowd, West was employed by Borawski Insurance of Northampton. As a commercial-lines account manager, West will manage a roster of insurance clients at Dowd’s Holyoke office and support producers with business-development initiatives. She has a strong focus on customer service and is dedicated to continuing education opportunities as the industry advances. “I consistently challenge myself to stay on top of industry trends and learn all I can about my competitors and carriers to strengthen my industry relationships,” said West. “I have extensive training in sales, management, and customer service, and I look forward to applying these skills for the benefit of our customers at the Dowd Insurance Agencies.”
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Jonathan Soucy

Jonathan Soucy

Molding Business Services (MBS) announced it has taken on a new partner, Jonathan Soucy of Plymouth. He joins forces with partners Terry Minnick, Joel Minnick, and Andrew Munson, and will help bolster the firm’s M&A advisory and recruiting efforts. Soucy has more than 25 years of experience in precision injection molding and manufacturing. He holds a bachelor’s degree in plastics engineering UMass Lowell and an MBA from Suffolk University. For the past six years, Soucy served as the CEO of Plainfield Precision, a multi-national manufacturer of injection-molded components, metal stampings, and complex assemblies. During his tenure with Plainfield, he led a corporate-wide turnaround, developed and executed a strategic plan to build value, and successfully sold the various Plainfield companies to maximize shareholder return. Soucy’s move to MBS coincides with a Jan. 30 transaction that saw Plainfield Precision sell its final production facility — a precision automotive injection molder in San Luis Potosi, Mexico — to the U.S. subsidiaries of Nissha Printing Co. Ltd. Based in Japan, Nissha is a global manufacturer of printed films and owns Eimo Technologies, a Michigan-based manufacturer of decorative, injection-molded components. MBS advised Plainfield in the transaction. Soucy also spent nearly two decades with a Plainfield predecessor company called Pixley Richards. Pixley was a custom plastic-injection-molding company specializing in tight-tolerance parts. During his tenure there, Soucy held various roles in engineering and operations management until eventually leading a management buyout of the company and assuming the role of owner and CEO.
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The Springfield Falcons announced that Corey Cowick has been named the team’s winner of the IOA/American Specialty AHL Man of the Year Award for his outstanding contributions to the Springfield community during the 2014-15 season. The Falcons’ left winger has gone above and beyond with his efforts to give back to the community. He constantly takes part in appearances and volunteer opportunities, meeting fans and doing his part to help improve the local area. The Falcons have a strong dedication to bettering quality of life in the Springfield community by promoting awareness of education, exercise, and health along with donating time and resources. Cowick has been at the forefront of these initiatives, making countless appearances in schools, libraries, and community centers. He became the main speaker for the Falcons’ Stick to Reading program presented by Columbia Gas of Massachusetts, the Teamwork program presented by TD Bank, and the Play It Forward program. Cowick has spoken to numerous students and young fans around the Greater Springfield area about the importance of literacy, ways to stay active and lead a healthy lifestyle, and the qualities of leadership and anti-bullying. Cowick also frequented Friends of the Homeless and served meals to clients along with personally donating winter and toiletry items during the holidays. He visited patients at Shriners Hospitals for Children and donated his time to answer phones at the 14th Annual 94.7 WMAS Radiothon for Baystate Children’s Hospital. He also participated in the sale of team-signed ornaments and green mystery pucks with proceeds donated to Toys for Tots and Baystate Children’s Hospital, respectively. Additionally, Cowick visited the Pioneer Valley PSO, where he visited with military families and spent a great deal of time conversing and getting to know each family. Cowick is now one of 30 finalists for the American Hockey League’s 2014-15 Yanick Dupre Memorial Award, honoring the overall IOA/American Specialty AHL Man of the Year. The league award is named after the former Hershey Bears forward and AHL All-Star who died in 1997 following a 16-month battle with leukemia. The winner of the Yanick Dupre Memorial Award will be announced by the AHL later this month.
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Florence Bank announced that Stephen Bourgeois Jr. of Amherst has been named to the President’s Club for 2015. The President’s Club affords employees opportunities to nominate their peers for the honor, which recognizes superior performance, customer service, and overall contribution to Florence Bank. Bourgeois was nominated by numerous colleagues at Florence Bank. He is a senior teller and customer-service representative at the bank’s King Street office, and joined the bank in 2012. John Heaps Jr., president and CEO of Florence Bank, said, “we received so many comments about Stephen — everything from ‘he is the first to volunteer to take on projects or help in any way’ to ‘he maintains the perfect balance of professionalism and friendliness with our customers.’ His commendable work ethic and genuine desire to contribute make Stephen an outstanding member of the President’s Club.”
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Dr. Laura Iglesias Lino

Dr. Laura Iglesias Lino

Praised for her leadership and for using her skills in geriatrics and palliative care to help Spanish-speaking and other immigrant populations in Springfield, Dr. Laura Iglesias Lino has been named a recipient of the 2015 Hastings Center Cunniff-Dixon Physician Award. Iglesias Lino, medical director for Geriatrics and Palliative Care at Baystate Brightwood Health Center/Centro de Salud and associate medical director for Hospice at Baystate Medical Center, is one of five physicians nationwide recognized with the award. The awards program honors leaders who advance palliative care in underserved areas and forge ties with various medical specialists to help people with cancer. “This cohort of physicians demonstrates that compassion, competency, and a healing presence are cherished by patients and their families and admired and respected by their colleagues,” said Dr. Richard Payne, chairman of the selection committee and the Esther Colliflower Professor of Medicine and Divinity at Duke University and the John B. Francis Chair in Bioethics at the Center for Practical Bioethics. “The awards will make a difference for their careers, and will assist them in building palliative-care programs in their communities.” Each of the five recipients was noted as being exemplary in one or more of four areas: medical practice, teaching, research, and community. Awards were made in three categories: senior, mid-career, and early-career. Recognized in the early-career category, Iglesias Lino will receive $15,000 to further her work in palliative care in Springfield. “Although I was her teacher and am decades older, I hope to match her dedication to patients one day,” said Dr. Maura Brennan, chief of the Division of Geriatrics, Palliative Care & Post-acute Medicine at Baystate Medical Center, and hospice medical director for the Baystate Visiting Nurse Assoc. & Hospice. “Dr. Iglesias Lino has an unassuming, gentle nature and is more likely to design programs for patents in need than write scholarly articles for publication. She has a beautiful soul and is precisely the type of physician our aging society needs. Dr. Iglesias Lino combines the best parts of a geriatrician and a palliative-care physician and is eminently worthy of this prestigious award.” Iglesias Lino received her medical degree from the Universidad Nacional San Agustin de Arequipa in Peru. She completed her internal medicine residency at St. Luke’s Roosevelt Hospital/Columbia University College of Physicians and Surgeons in New York, followed by a geriatrics fellowship at Baystate Medical Center. She is board-certified in both geriatrics and palliative care. While at Baystate Brightwood Health Center, Iglesias Lino has developed a team-based program to ease caregiver stress and provide quality of life for patients with advanced dementias. Her knowledge and diagnostic abilities put her in high demand as a physician and consultant. Her teaching and caregiving skills have generated culture change in a clinic with little previous experience in geriatric or palliative care. The Cunniff-Dixon Foundation, whose mission is to enrich the doctor-patient relationship near the end of life, funds the awards. The Hastings Center, a bioethics research institute that has done groundbreaking work on end-of-life decision-making, co-sponsors the awards. Duke University Divinity School’s Program in Medicine, Theology, and Culture oversees the selection process.

Departments People on the Move

John Howland

John Howland

Greenfield Savings Bank recently announced that John Howland has been chosen to succeed Rebecca Caplice as the next president and CEO of the bank and its holding company, GSB, MHC. Howland was elected at the bank’s annual meeting of corporators on March 18. Howland served as president of two banks prior to joining Greenfield Savings, most recently the First Bank of Greenwich, based in Greenwich, Conn. He has worked in the financial-services field his entire career, and holds a bachelor’s degree from Bowdoin College and a juris doctor degree from the University of Maine School of Law. “John brings a broad range of experience from both banking and the financial-services sector,” said Ed Margola, chairman of the board. “His commitment to community, management style, and personality are consistent with Greenfield Savings Bank’s philosophy and goals.” Added Howland, “I am honored to have been selected to serve as the president and CEO of this extraordinary institution. Becky Caplice has done an amazing job as the CEO. I’m stepping into a position with a well-run organization led by a strong senior management team and welcoming employees.” Howland, 50, notes that he plans to build on the strong foundation that Caplice built over her 24-year tenure at the bank. Although she is stepping down from the day-to-day operation of Greenfield Savings, Caplice will continue to serve as a director of the bank.
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Monson Savings Bank recently announced the election of five new corporators who are advisors to the bank, representing the communities the bank serves. They also possess certain governing functions, including the election of the bank’s president. Monson Savings has 55 corporators, including the five elected at the bank’s annual meeting on March 4:
Louis Abbate, president emeritus, Willie Ross School for the Deaf, Longmeadow;
Mark Borsari, president, Sanderson MacLeod, Palmer;
Joseph Lawler, benefits consultant, the Gaudreau Group, Wilbraham;
Roy St. George, vice president, Moulton Insurance Agency Inc., Ware; and
Julie Quink, managing principal, Burkhart, Pizzanelli, P.C., West Springfield.
“We’re extremely fortunate to have these folks join our team,” said Steve Lowell, president of Monson Savings Bank. “We rely on our corporators to keep us in touch with the needs of our communities, provide invaluable insight into our operations, and also to help us spread the word of all that we have to offer. Our corporators are leaders in the communities we serve, they are highly engaged with us, and we very much appreciate their involvement.”
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David Griffin Jr.

David Griffin Jr.

The Dowd Agencies announced that Account Executive David Griffin Jr. has received the Certified Insurance Counselors (CIC) designation. This accomplishment is not mandated for the insurance industry, but provides an extensive knowledge base to benefit consumers. “Prestigious designations like CIC are essential if you want to be considered among the leaders in our industry,” said John Dowd Jr., president and CEO of the Dowd Agencies. “It shows a true commitment to professionalism and excellence in the business of insurance sales. David is a rising star here in the Pioneer Valley business community, and we are proud of his accomplishments.” The CIC program includes 20 hours of rigorous coursework for each of the five industry categories: personal insurance lines, commercial casualty insurance, commercial property insurance, life and health insurance, and agency management. Griffin works in the Holyoke office of the Dowd Agencies. Since joining the firm in 2009, he has grown in his role and now assists the leadership team. He began his career in the insurance industry as a property and casualty underwriter for Liberty Mutual, where he supported the company in Schaumburg, Ill. and Charlotte, N.C., before joining the Dowd Agencies. He is a 2007 graduate of Bentley University, where he earned a degree in finance. Additionally, Griffin supports the Holyoke Chamber of Commerce and volunteers on the boards of directors for the Holyoke Rotary Club, the Sisters of Providence Health System, and Wistariahurst.
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Samantha Coulter

Samantha Coulter

Samantha Coulter recently accepted the role of assistant director of Sales and Marketing in the Event Service and Summer Program Office at Hampshire College. She is responsible for bringing in external clients for social, corporate, and summer events. Her previous experience includes working with trade-show sales, where she covered the entire U.S. as her territory, handling the marketing, advertising, and sales for a Connecticut-based banquet facility and being the social-catering sales manager for a Massachusetts hotel with more than 300 overnight rooms, 20 meeting rooms, and a large ballroom.
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Jack Ferriter

Jack Ferriter

At its March annual meeting, the board of trustees of the Massachusetts Bar Foundation (MBF) unanimously selected Attorney Jack Ferriter as a member of the board of trustees for a four-year term. The board meets in Boston and is comprised of judges and lawyers from across the Commonwealth. Ferriter is a business and estate attorney at Ferriter Law in Holyoke. He has been a fellow of the MBF for 12 years and has served on the grant-review committee for the last 10 years. The MBF represents the commitment of lawyers and judges in Massachusetts to improve the administration of justice, promote an understanding of the law, and ensure equal access to the legal system for all residents of the Commonwealth, particularly those most vulnerable. He recently received the Distinguished Advisor in Philanthropy Award from the Community Foundation and has served as campaign chair and board chair of the United Way of Pioneer Valley, among many other leadership positions. Ferriter has also been recognized by the YMCA, the Saint Patrick Committee, and the Northeast Public Power Assoc. He is a graduate of the College of the Holy Cross, where he was a member of the President’s Council, and Western New England University School of Law, where he served on the Law Review Editorial Board.
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Keith Tatlock of New England Financial Group, an office of MetLife and a part of the MetLife Premier Client Group, has been authorized by the Certified Financial Planner Board of Standards Inc. to use the certification marks ‘CFP’ and ‘certified financial planner practitioner’ in accordance with CFP Board certification and renewal requirements. Tatlock met the rigorous experience and ethical requirements, completed financial-planning coursework, and passed the CFP certification examination. He has also agreed to meet ongoing continuing-education requirements and to uphold the CFP Board’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards. Tatlock has 10 years of experience in the financial-services sector. He is a graduate of Westfield State University and holds securities series 7 and series 63 as well as life- and health-insurance licenses. He is a member of the Estate Planning Council of Hampden County, the Financial Planning Assoc. of Massachusetts, and Business Networking International. He is also currently a major in the Massachusetts Air National Guard at the 104th Fighter Wing in Westfield.

Daily News

SPRINGFIELD — Praised for her leadership and for using her skills in geriatrics and palliative care to help Spanish-speaking and other immigrant populations in Springfield, Dr. Laura Iglesias Lino has been named a recipient of the 2015 Hastings Center Cunniff-Dixon Physician Award.

Iglesias Lino, medical director for Geriatrics and Palliative Care at Baystate Brightwood Health Center/Centro de Salud and associate medical director for Hospice at Baystate Medical Center, is one of five physicians nationwide recognized with the award. The awards program honors leaders who advance palliative care in underserved areas and forge ties with various medical specialists to help people with cancer.

“This cohort of physicians demonstrates that compassion, competency, and a healing presence are cherished by patients and their families and admired and respected by their colleagues,” said Dr. Richard Payne, chairman of the selection committee and the Esther Colliflower Professor of Medicine and Divinity at Duke University and the John B. Francis Chair in Bioethics at the Center for Practical Bioethics. “The awards will make a difference for their careers, and will assist them in building palliative-care programs in their communities.”

Each of the five recipients was noted as being exemplary in one or more of four areas: medical practice, teaching, research, and community. Awards were made in three categories: senior, mid-career, and early-career. Recognized in the early-career category, Iglesias Lino will receive $15,000 to further her work in palliative care in Springfield.

“Although I was her teacher and am decades older, I hope to match her dedication to patients one day,” said Dr. Maura Brennan, chief of the Division of Geriatrics, Palliative Care & Post-acute Medicine at Baystate Medical Center, and hospice medical director for the Baystate Visiting Nurse Assoc. & Hospice. “Dr. Iglesias Lino has an unassuming, gentle nature and is more likely to design programs for patents in need than write scholarly articles for publication. She has a beautiful soul and is precisely the type of physician our aging society needs. Dr. Iglesias Lino combines the best parts of a geriatrician and a palliative-care physician and is eminently worthy of this prestigious award.”

Iglesias Lino received her medical degree from the Universidad Nacional San Agustin de Arequipa in Peru. She completed her internal medicine residency at St. Luke’s Roosevelt Hospital/Columbia University College of Physicians and Surgeons in New York, followed by a geriatrics fellowship at Baystate Medical Center. She is board-certified in both geriatrics and palliative care.

While at Baystate Brightwood Health Center, Iglesias Lino has developed a team-based program to ease caregiver stress and provide quality of life for patients with advanced dementias. Her knowledge, diagnostic abilities, and treatment plans put her in high demand as a primary care physician and consultant. Her teaching and caregiving skills have generated culture change in a clinic with little previous experience in geriatric or palliative care.

The Cunniff-Dixon Foundation, whose mission is to enrich the doctor-patient relationship near the end of life, funds the awards. The Hastings Center, a bioethics research institute that has done groundbreaking work on end-of-life decision-making, co-sponsors the awards. Duke University Divinity School’s Program in Medicine, Theology, and Culture oversees the selection process.

“All these award winners share a commitment to reaching special populations, from children with cancer to veterans to underserved minority communities,” said Mildred Solomon, president of the Hastings Center. “They are outstanding clinicians who provide exquisite patient care, but who also have the skill and commitment to create durable organizational structures that will ensure that the work succeeds over time.”

Daily News

HOLYOKE — The Dowd Agencies announced that Account Executive David Griffin Jr. has received the Certified Insurance Counselors (CIC) designation. This accomplishment is not mandated for the insurance industry, but provides an extensive knowledge base to benefit consumers.

“Prestigious designations like CIC are essential if you want to be considered among the leaders in our industry,” said John Dowd Jr., president and CEO of the Dowd Agencies. “It shows a true commitment to professionalism and excellence in the business of insurance sales. David is a rising star here in the Pioneer Valley business community, and we are proud of his accomplishments.”

The CIC program includes 20 hours of rigorous coursework for each of the five industry categories: personal insurance lines, commercial casualty insurance, commercial property insurance, life and health insurance, and agency management. After completing the coursework, Griffin completed the exams for each course and the final essay exam to earn his designation, all while working full-time and maintaining several community-based leadership positions.

The CIC program was developed in 1969 by the National Alliance for Insurance Education and Research. It continues to be the leading organization for creating, developing, and delivering practical continuing-education programs for insurance and risk-management professionals.

Griffin works in the Holyoke office of the Dowd Agencies. Since joining the firm in 2009, he has grown in his role and now assists the leadership team. He began his career in the insurance industry as a property and casualty underwriter for Liberty Mutual, where he supported the company in Schaumburg, Ill. and Charlotte, N.C., before joining the Dowd Agencies. He is a 2007 graduate of Bentley University, where he earned a degree in finance.

Additionally, Griffin supports the Holyoke Chamber of Commerce and volunteers on the boards of directors for the Holyoke Rotary Club, the Sisters of Providence Health System, and Wistariahurst.

Daily News

WESTBOROUGH — NiSource Inc. has been designated as one of the World’s Most Ethical Companies by the Ethisphere Institute for the fourth consecutive year. The designation recognizes those organizations that have had a material impact on the way business is conducted by fostering a culture of ethics and transparency at every level of the company.

“We are greatly honored to have again been recognized for our team’s commitment to ethical leadership, compliance practices, and corporate social responsibility,” NiSource President and CEO Robert Skaggs Jr. said. “This commitment begins with the nearly 9,000 NiSource employees, who embody our company’s core values of fairness, honesty, integrity, and trust.”

NiSource is one of 132 companies recognized by Ethisphere for leadership in promoting ethical business standards as measured in five key categories: ethics and compliance program, corporate citizenship and responsibility, culture of ethics, governance and leadership, and innovation and reputation.

“The World’s Most Ethical Companies embrace the correlation between ethical business practice and improved company performance. These companies use ethics as a means to further define their industry leadership and understand that creating an ethical culture and earning the World’s Most Ethical Companies recognition involves more than just an outward-facing message or a handful of senior executives saying the right thing,” said Ethisphere CEO Timothy Erblich. “We congratulate everyone at NiSource for this extraordinary achievement.”

Added Steve Bryant, president of Columbia Gas of Massachusetts, “I am proud to work in and lead an organization that is serious about ethics, honesty, and transparency. These are elements that are truly woven into our culture and that are evident in the work that our employees do each and every day.”


More on NiSource’s commitment to ethics and compliance, as well as the company’s overall sustainability priorities, can be found in the 2013 Sustainability Report, available at www.nisource.com/sustainability. The 2014 report will be published later this year.

Daily News

SPRINGFIELD — Massachusetts Mutual Life Insurance Co. announced that it has again been recognized by the Ethisphere Institute, the global leader in defining and advancing the standards of ethical business practices, as a 2015 World’s Most Ethical Company, the second consecutive year MassMutual has received the honor.

In 2014, MassMutual was the first mutual company in the life-insurance-industry category to be honored with this distinction. This year, the company remains the only mutual named World’s Most Ethical in the life-insurance-industry category.

“Being named a World’s Most Ethical Company again this year is an honor that reflects our culture of ethics and integrity that is core to who we are as a company,” said Roger Crandall, chairman, president, and CEO of MassMutual. “For generations, our policyowners and customers have placed their trust in us, and we are proud of our employees and financial professionals who demonstrate these values through helping people secure their future and protect the ones they love.”

The World’s Most Ethical Company designation recognizes those organizations that have had a material impact on the way business is conducted by fostering a culture of ethics and transparency at every level of the company. “At MassMutual, this distinction validates the high value we place in our organization on ethical business standards, practices, and governance,” said Crandall.

The World’s Most Ethical Company assessment is based upon the Ethisphere Institute’s Ethics Quotient (EQ) framework, developed over years of research to provide a means to assess an organization’s performance in an objective, consistent, and standardized way. To determine its World’s Most Ethical Company list, Ethisphere scores companies in five different categories: ethics and compliance program (35%), corporate citizenship and responsibility (20%), culture of ethics (20%), governance (15%), and leadership, innovation, and reputation (10%).

“The World’s Most Ethical Companies embrace the correlation between ethical business practice and improved company performance. These companies use ethics as a means to further define their industry leadership and understand that creating an ethical culture and earning the World’s Most Ethical Companies recognition involves more than just an outward-facing message or a handful of senior executives saying the right thing,” said Ethisphere CEO Timothy Erblich. “Earning this recognition involves the collective action of a global workforce from the top down. We congratulate everyone at MassMutual for this extraordinary achievement.”

The full list of the 2015 World’s Most Ethical Companies can be found at ethisphere.com/worlds-most-ethical/wme-honorees.

Daily News

WEST SPRINGFIELD — The AdClub of Western Mass. will bring awards season home on Tuesday, March 3, with a screening and celebration of the 2015 CLIO Awards at the Majestic Theatre.

The CLIO Awards are an annual award program that recognizes innovation and creative excellence in advertising, design, and communication, as judged by an international panel of advertising professionals. CLIOs are awarded to both advertising agencies and talent in a variety of categories, across advertising, sports, fashion, music, entertainment, and healthcare. Time magazine described the event as the world’s most recognizable international advertising awards.

The CLIO Awards ceremony will take place from 5 to 7 p.m., showing some of the award-winning advertisements of 2014. Light appetizers will be provided by Partners Restaurant, and a cash bar will also be available. Tickets are $15 for members, $25 for non-members, and $10 for students. To reserve a seat, call (413) 736-2582 or e-mail [email protected]. An additional charge of $5 will apply to those who pay at the door.

Daily News

AMHERST — The Amherst Area Chamber of Commerce announced its call for nominations of individuals, businesses, and organizations throughout the Amherst area that have made a positive difference. The Annual A+ Awards are set to be given at the A+ Awards Dinner, presented by PeoplesBank, on Oct. 1 at the Hadley Farms Meeting House. In 2010 the Amherst Area Chamber of Commerce introduced the A+ Awards.

The awards — formerly the Millicent H. Kauffman Distinguished Service Awards and the Janet & Winthrop Dakin Community Service Citations, and renamed to extend the chamber’s new branding initiative — are designed and named to reflect the chamber’s mission “to create, maintain, and promote a vital, thriving business climate throughout the Amherst area, and to initiate and support the civic, education, recreational, and economic well-being of the Amherst area.”

A+ Awards are given in the following categories: Legacy, Most Valuable Player, Community Service, and Lifetime Achievement in Business. The Legacy Award is given to an individual that has made an outstanding contribution to the Amherst area and has changed the lives of its citizens and for future generations. The Most Valuable Player Award is given to an individual that has gone above and beyond the call of service in aiding, assisting, and promoting the chamber. The Community Service Award seeks to recognize an individual, nonprofit, or business that has made a positive change in the lives of the citizens of the Amherst area through community work and outreach. Finally, the Lifetime Achievement in Business Award seeks to honor and recognize a chamber-member business that has made a truly exceptional difference in the Amherst community. Additional award categories are periodically added as needed.

“The A+ Awards are the most prestigious honor the chamber can bestow upon its recipients,” said Amherst Area Chamber of Commerce Executive Director Don Courtemanche “As you look through the list of past winners, you get an overwhelming sense of just how special this community is. This year’s crop of nominations will be no exception.”

Nominations may be made by e-mailing Courtemanche at [email protected]. Nominations must include the nominee’s name, short bio, and relevant facts that the awards committee should know regarding the nominee. Nominations are due to the chamber office by March 13.

Class of 2015 Difference Makers
Company’s Contributions to the Region Extend Well Beyond Check Writing

Nick Fyntrilakis

Nick Fyntrilakis, the company’s vice president of Community Responsibility.
Photo by Denise Smith Photography

Nick Fyntrilakis certainly wasn’t around for what’s known in local lore as the Great Flood of ’36, when the Connecticut River, swollen by large amounts of melting snow and persistent rains, spilled over its banks in mid-March, breaching dams, knocking bridges off their foundations, and destroying homes and businesses.

But he’s heard the stories — and seen some of the photos — related to how MassMutual Financial Group, the company he now serves as vice president of Community Responsibility, opened its purse strings, not to mention its doors (quite literally), to help Springfield residents weather that disaster.

“We sheltered people in our home office on State Street because they didn’t have any place to go — we had people sleeping on cots in a gymnasium that we had at that time,” he told BusinessWest, adding that he references that story often because it helps explain the company’s long history of community involvement and the many different forms it has taken.

Actually, that history goes back well before 1936, he said, adding that it is his unofficial job description to help write more chapters and also create new ways to support area cities and towns (especially Springfield, its home base) and improve overall quality of life.

And in recent years, he and others at the company have added to the portfolio of community involvement in some intriguing — and what many would consider non-traditional — ways, from the many layers of support provided after the devastating tornado in 2011, to several forms of assistance to the nonprofit agency DevelopSpringfield, which grew out of a State Street revitalization initiative and is now involved in a wide range of economic-development-related activities, to multi-tiered support for Valley Venture Mentors and other groups and initiatives created to foster and nurture entrepreneurial activity and, ultimately, create jobs.

These come on top of more traditional forms of support, such as scholarships for high-school students, mentoring and internship programs, funding of cultural institutions such as the Springfield Symphony Orchestra (SSO) and CityStage, and continued support for the many events staged by the Spirit of Springfield, including its annual Fourth of July fireworks display.

Add it all up, and it becomes apparent that MassMutual, a Fortune 100 company (number 96 in the last compilation, with more than $33 billion in annual revenue) is making a huge impact in the community, one that certainly epitomizes the phrase Difference Maker.

The numbers certainly support such a designation:

• In 2014, MassMutual supported 109 Springfield-area entities, spreading $4.8 million among them;
• The company’s aggregate support of DevelopSpringfield from 2008 to 2014 totals more than $4.3 million, including a $1.6 million contribution toward planning and rebuilding following the tornado;
• This past year, MassMutual awarded $1.6 million to Valley Venture Mentors over the next three years to support an accelerator program and created the $5 million Springfield Venture Fund;
• Over the past five years, the company has granted internships to nearly 500 high-school and college students. Job offers were extended to 23 of the participants, and 17 are still with the company; and
• Company employees mentor roughly 35 Springfield high-school students each year, and has had 175 mentor matches since the 2010-11 school year.

But such statistics tell only part of the story. Indeed, Fyntrilakis, as well as representatives for some of the agencies supported by MassMutual, say the company’s involvement goes well beyond check writing, and is part of broad strategy to strengthen the Greater Springfield area and position it for a better economic future.

Jay Minkarah, president and CEO of DevelopSpringfield, called it a “holistic approach,” one that he believes separates MassMutual from most other corporate donors.

“One of things that distinguishes MassMutual’s support for initiatives like ours is that these are not just a nod toward giving back to the community or a feeling that the company should support charitable endeavors,” he explained. “These are different. These are strategic investments in the community.”

Summing up the company’s philosophy involving community involvement, Fyntrilakis said it mirrors its corporate outlook as well, meaning a focus on the longer term.

“We make decisions that are 50-year decisions — we don’t worry about the next quarter or what the stock price is going to look like in two days; we’re worried about how our company is going to be faring 50 years from now so we can deliver on the promises we make to our policy holders,” he explained. “And as a result, that translates into the way we engage our community and our corporate responsibility. We want to ensure that our region is strong into the future so that we can have a workforce that can deliver on the things that we need for our policy owners, and we want to continue to thrive as an organization. As goes our community, so goes our ability to do things.”

In Good Company

Springfield Mayor Domenic Sarno told BusinessWest that any community fortunate enough to have a Fortune 100 company headquartered within its boundaries should certainly expect that employer to be a solid corporate citizen.

Springfield’s fireworks

Springfield’s fireworks display now bears MassMutual’s name as lead sponsor — one of the company’s many examples of philanthropy in the category of community vitality.

But he and others are of the opinion that what MassMutual has done over the past 164 years goes above and beyond what could — and should — be expected.

“From the beginning, this city has always been able to count on MassMutual,” said Sarno, who has been in the corner office through a number of natural disasters and economic initiatives that the company has responded to. “It’s been a source of jobs, a force on economic development, and a philanthropic monster. And it should never, ever be taken for granted, because not every city has a MassMutual — and every city would love to have one.”

Fyntrilakis said the contributions made within the community are part of a corporate culture. “We are responsive and engaged and committed to serving our community,” he said, adding that, as the company has grown over the decades and expanded physically within other communities, that philosophy has followed.

“We support other communities where we have a presence,” he explained, “including Enfield, Phoenix, Memphis, and now Boston, where we have an office. We are engaged there as well.”

But the level of engagement is much higher in Springfield, he said, and for obvious reasons. The company traces its roots here, to 1851, when Caleb Rice, then an insurance agent working for Hartford-based Connecticut Mutual Life, decided to open a similar company — one owned by its policy holders — in Massachusetts. The company’s growth mirrored the nation’s — in other words, it expanded west, opening offices in several Midwestern states, and eventually reached the West Coast in 1868.

But it has always had Springfield has its base, with several headquarters facilities, including the current home on State Street, opened in 1927. Along with Smith & Wesson (because of that company’s strong brand recognition), it is the corporate entity most associated with the City of Homes.

“We have a much deeper involvement in Springfield, both from a financial perspective as well as a human-engagement perspective,” said Fyntrilakis, “in the sense of me serving on boards of directors, having our employees volunteer in the community on various things, and employees being generous with their own dollars to causes that we support or drives that we have for food or toys or things of that nature.

“It’s pretty special — it’s a meaningful degree of support,” he went on. “It goes along with being a Fortune 100 company, but it’s not just about how big we are or what people think we should do. It’s about what we think we should do and our own commitment.”

Fyntrilakis told BusinessWest that the phrase ‘corporate responsibility’ cuts across most all aspects of the company and includes employees in many departments and on many levels. Examples include everything from environmental responsibility — an important consideration for a company with such a large footprint, and one embodied in such initiatives as solar panels on the roof of the company’s headquarters and electric-car-charging stations in the parking lot — to employee benefits and training initiatives.

But perhaps the most visible component of corporate responsibility is the many actions that fall into the broad category of philanthropy or community involvement.

Historically, there are three main categories for this involvement, he said: education, economic development, and what the company calls ‘community vitality,’ and there are many examples of each.

School of Thought

Before elaborating on each area, Fyntrilakis first went into more depth about the philosophy that governs decisions on community involvement, because doing so helps explain directions taken by the company.

“We’re not ashamed to say that it’s important for our charitable activity to align with our business strategy,” he explained. “Because, in order for us to support charitable activity, our business needs to be strong.”

And one of the keys to achieving that strength (again, for the long term) is through a quality workforce and effective means of attracting and recruiting talent. Thus, many of the philanthropic initiatives within the realm of education involve initiatives that would help better train a workforce locally and also introduce young people to the company and its myriad employment opportunities. Meanwhile, initiatives within the area of community vitality are aimed at improving quality of life, but also to make the region more attractive to potential job candidates.

On the national level, he went on, many initiatives, such the LifeBridge and FutureSmart programs, are designed at enhancing the corporation’s brand and reputation, as well as empowering more Americans to become educated financially, which ties into MassMutual’s core business.

LifeBridge is a unique, free life-insurance program that helps children of income-eligible families pay for their education expenses if their insured parent or guardian passes away during the term of the policy, while the FutureSmart Challenge, conducted in conjunction with select NBA teams, stages interactive seminars at which students learn the importance of savings, career choices, staying in school and going to college, and how each has a profound impact on their future financial success.

Locally, within the category of education, said Fyntrilakis, the emphasis is on grades 6-12, with a focus on academic achievement and career pathways. Individual initiatives involve grants to specific programs to improve academic achievement, scholarships, mentoring students at the Springfield High School of Science and Technology and Putnam Vocational Technical High School (both located nearly across State Street from the company’s headquarters building), internships, job-shadowing programs, and others.

“Our hope is that we can create a pipeline for some of those young people to come and work at MassMutual,” he explained. “Many of our initatives are aimed at prompting the diverse, talented young people that we have to think about a career at MassMutual, and have a progression and a way that they can do that.”

MassMutual’s support to Springfield

MassMutual’s support to Springfield after the 2011 tornado came in many forms, from a $1.6 grant toward the rebuilding effort to a loaned executive to help draft a recovery plan.

In the realm of community vitality, support is directed toward those events and institutions that will attract people to the city of Springfield and the region as a whole, said Fyntrilakis. That list includes everything from the recent Spalding Hoophall Classic, which brought top high-school basketball players from around the country to the City of Homes for a three-day tournament, to Bright Nights, the Fourth of July fireworks, and other events staged by the Sprit of Springfield; from the SSO to CityStage and the Springfield Museums.

As with programs in the realm of education, MassMutual’s initiatives in community involvement usually go well beyond simply writing checks.

Indeed, Audrey Szychulski, outgoing executive director of the SSO, said the company’s contributions to that institution go well beyond its sizeable season sponsorship (a six-figure gift). Indeed, several officers of the company sit on the orchestra’s board, including Chief Marketing Officer John Chandler, the current chair.

“Besides funding, MassMutual has a core group of people who interact with us on a regular basis,” she explained, adding that the company has also assisted with strategic planning, marketing initiatives, introducing the SSOP to young professionals new to the region, and even a complete IT analysis. “And when it comes to a donation of that size, it’s really an investment in our general operating needs to ensure that we really can serve our community. To them, it’s not just about the concert, but the whole experience and helping to ensure that we can touch as many people as possible through outreach initiatives.”

Response to the tornado of 2011, as well as the flood of 1936 and other natural disasters, does not fall neatly into any of the three main categories of community involvement, but it does reflect the company’s sense of responsibility to the city and its residents.

“It was an extraordinary event, and we certainly wanted to step in,” Fyntrilakis said, adding that support took forms ranging from an immediate $100,000 donation to the American Red Cross to a $1.6 million contribution to DevelopSpringfield for its Rebuild Springfield Fund, to a donation of his time and energy to co-chair the rebuilding effort.

Fueling Entrepreneurship

But if the tornado does fit into a category, it would likely be economic development, said Fyntrilakis, adding this is a relatively new classification of community involvement for the company — but one that has garnered most of the headlines in recent months.

The sharpened focus on this realm dates back roughly to 2008 and the Great Recession, he told BusinessWest, noting that the company recognized a need to reach out and help the city, which was, like many former manufacturing centers, struggling to reinvent itself and stimulate new job growth.

“We stepped back and we decided that we really needed to help the community leverage the assets it had and really take advantage of opportunities to grow and strengthen its economy,” he explained. “It’s great for us to be able to do lots of things charitably, but the reality is, the better the economy is, and the better the opportunities for people to get jobs and for the tax base to grow — that’s really what’s going to help strengthen the community a lot more than charitable contributions that aren’t going to facilitate that.”

This emphasis on economic-development-related support has taken more forms, starting with a State Street Corridor initiative that remains a work in progress. As part of that endeavor, the company helped facilitate creation of DevelopSpringfield, which Fyntrilakis called a “bricks-and-mortar organization” charged mostly with developing and repurposing underutilized properties, thereby revitalizing many of the city’s neighborhoods.

Current projects include several on State Street, including development of a supermarket, reuse of the former River Inn, razed in 2013, and redevelopment of the so-called Gunn Block. Other initiatives include renovation of the Ansel Phelps House on Maple Street and DevelopSpringfield’s commitment to build an innovation center in two long-vacant buildings on Bridge Street.

That facility will become the new home to Valley Venture Mentors (VVM), another of the Difference Makers for 2015 (see related story, page A28) and one of the focal points for MassMutual’s multi-pronged efforts to promote entrepreneurship and encourage businesses to locate within Springfield.

Overall, the company is investing $6.5 million in that realm, with $1.5 million going to VVM over the next three years for a startup accelerator — the first cohort of 30 companies started its six months of programs in January — and $5 million for creation of the Springfield Venture Fund, which will invest in startups located in Springfield or willing to relocate there.

In December, video-game developer HitPoint Studios became the first company to receive an investment ($500,000) from the fund, relocating from Amherst to a suite in 1350 Main St. in Springfield.

“We kept hearing how entrepreneurs were chasing capital, and capital was dictating where folks were locating — Boston, Cambridge, and San Francisco were putting money on the table and driving people to those communities,” said Fyntrilakis as he discussed how and why the fund came about. “Those are great cities with wonderful entrepreneurial ecosystems, but we felt that we had, through VVM and others, a good entrepreneurial ecosystem in Springfield, but the early-stage capital just wasn’t available, and folks were leaving to pursue capital elsewhere.”

By providing that early-stage capital, as well as other forms of support for entrepreneurship, MassMutual is taking a somewhat bold step in the arena of community involvement, one that should pay huge dividends down the road, said Jay Leonard, a board member at VVM and one of those who helped guide it though its formative years.

“MassMutual’s support of both the accelerator and the fund has been critical,” said Leonard, who serves as an economic researcher for one of the company’s subsidiaries, Babson Capital Management, and has served as a go-between of sorts for VVM and the corporation. “The best way to provide economic development is to invest in companies that are going to be successful, and MassMutual’s doing that.”

Minkarah agreed, and returned to that word ‘holistic’ to describe the company’s community involvement, especially with entrepreneurship initiatives.

“The company has provided support for the Springfield Innovation Center and Valley Venture Mentors, and it created the Springfield Venture Fund, and you can’t just look at any of these in isolation,” he explained. “When you look at that total package, here are very well-thought-out strategic investments designed to create a physical place that will support and foster innovation and entrepreneurship, support an organization that can actually run the program, and provide funding to support startups and high-growth companies that are innovative and entrepreneurial themselves.

“These are investments that MassMutual is making in the long-term economic health of the community,” he went on, “because they believe these are strategically positioned initiatives that can have a catalytic effect.”

Flood of Memories

It’s unlikely that anyone was using the word ‘catalytic’ with any degree of frequency back in 1936.

And that term probably wouldn’t be used to describe people sleeping on cots in MassMutual’s gymnasium because the flood leveled their homes.

But times change, in some ways, and that word is certainly appropriate now.

That’s because, while the company is basically continuing a 160-year-old tradition of community involvement, it is finding new, dynamic, and in some ways groundbreaking ways for it to evolve.

And that’s one of many reasons why it is a Difference Maker.

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

Briefcase Departments

Federal $10M Grant Will Help Improve Long Island Sound
GREENFIELD — The Connecticut River Watershed Council (CRWC) is one of seven partners receiving a $10 million federal grant funded through USDA’s Regional Conservation Partnership Program. This new project brings together seven partners to improve the health of Long Island Sound. The funding will be matched dollar for dollar by other local, state, and private funding sources. Excess nutrients have been identified as the primary driver of hypoxic conditions (lack of oxygen) in Long Island Sound and are also impacting upland water resources within the watershed, which encompasses areas of Connecticut, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont. This project will develop a comprehensive, whole-farm, management-certainty program for farmers in the area and use both working lands and easement programs to improve soil health and nutrient management, establish community resiliency areas with a focus on enhancing riparian areas, and institute a land-protection program to protect agricultural and forestry areas. “The council is very pleased to be one of the many partners on this important project to improve the health of both the Connecticut River basin and Long Island Sound,” said CRWC Executive Director Andrew Fisk. “Funding will allow CRWC to continue working with landowners on restoration projects on their land that will improve our rivers and protect their investment in productive farm and forest land.” The Connecticut River contributes more than 70% of the freshwater to Long Island Sound and plays an important role in the health of the sound. “We are proud to be working with landowners to help them do their part to restore and protect the public’s water,” noted Fisk. “Many individuals working together across the entire watershed will have a great impact to improve the health of our rivers and Long Island Sound.” The Connecticut River Watershed Council works to protect the watershed from source to sea. To learn more, visit www.ctriver.org.

Construction Employment Increases in 40 States
WASHINGTON, D.C. — Construction firms added jobs in 40 states and the District of Columbia between December 2013 and December 2014, while construction employment increased in 38 states and D.C. between November and December, according to an analysis of Labor Department data by Associated General Contractors of America. “Part of the reason for the positive December construction employment figures was the exceptionally harsh weather in much of December 2013 and November 2014 and milder-than-normal weather in December 2014,” said Ken Simonson, the association’s chief economist. “Nevertheless, the underlying trend is very positive, with construction employment expanding at more than double the rate for total non-farm payroll jobs.” Texas added more new construction jobs (47,500 jobs, 7.7%) between December 2013 and December 2014 than any other state. Other states adding a high number of new construction jobs for the past 12 months included Florida (34,300 jobs, 8.9%), California (26,000 jobs, 4.0%), Illinois (20,200 jobs, 10.6%) and Washington (14,100 jobs, 9.5%). North Dakota (25.7%, 8,300 jobs) added the highest percentage of new construction jobs during the past year, followed by Utah (13.4%, 10,100 jobs), Wisconsin (12.7%, 12,400 jobs), and Arkansas (12.6%, 5,800 jobs). Ten states shed construction jobs during the past 12 months. West Virginia lost the highest percentage (-9.1%, -3,000 jobs). Other states that lost a high percentage of jobs include Mississippi (-7.5%, -4,000 jobs), Hawaii (-4.5%, -1,400 jobs), and Arizona (-3.4%, -4,300 jobs). Arizona lost the most construction jobs between December 2013 and December 2014, followed by Mississippi, West Virginia, and Ohio (-2,500 jobs, -1.3%). Thirty-eight states and the District of Columbia added construction jobs between November and December. New York (6,400 jobs, 2.0%) added the most jobs, followed by Illinois (6,000 jobs, 2.9%), Texas (5,100 jobs, 0.8%), and North Carolina (4,100 jobs, 2.3%). Association officials said the latest construction employment figures are consistent with the optimism many contractors expressed in the association’s recently released annual “Construction Hiring and Business Outlook.” According to the outlook, 80% of contractors report plans to add new construction jobs in 2015. In addition, a majority of contractors expect demand for most construction-market segments this year to grow. “The construction industry appears on track to add many new construction jobs in 2015,” said Stephen Sandherr, the association’s CEO.

BCBS Grants to Support Care for Vulnerable Populations
BOSTON — Individuals with behavioral health and other medical issues are among the highest-need, most complex patients in the healthcare system but rarely receive care that integrates both aspects of treatment. The Blue Cross Blue Shield of Massachusetts Foundation’s new, $1.3 million grant program, called Fostering Effective Integration of Behavioral Health and Primary Care, will support 10 organizations — including one in Western Mass., the Center for Human Development — that are currently implementing collaborative, co-located, and integrated service models for patients with a range of medical and behavioral-health needs, including support for their families. The National Co-morbidity Survey Replication shows that 68% of adults with a severe behavioral-health disorder have at least one chronic medical condition, and 29% of adults with a chronic medical condition have serious mental illness. Moreover, those with a mental illness live far shorter lives than those without, partly due to treatable medical conditions and inadequate access to medical care. Better coordination of primary care and behavioral health — including early identification, timely and regular treatment, and rehabilitation and recovery supports — is important to improving health care outcomes and potentially controlling costs for people with behavioral-health needs, said Audrey Shelto, president of the BCBS of Massachusetts Foundation. “We believe the time is now to invest in and evaluate programs that have experience providing primary care and also treating mental-health and substance-use disorders to help define what truly constitutes an effective integrated model of care.” The grantee organizations represent a variety of provider types — community health centers, community-based behavioral-health centers, and hospital-based programs — located throughout the entire state. “We are thrilled to be working with some of the most experienced healthcare providers in the Commonwealth and look forward to sharing information and collaborating on this critical issue,” said Shelto. The local grantee, the Center for Human Development (CHD), has created a project in partnership with two health centers to provide integrated care to seriously mentally ill adults and individuals with substance-use disorders. The health centers — Caring Health Center of Springfield and Holyoke Health Center — provide integrated primary care, care management and wellness services, while the Western MA Recovery Learning Community provides peer-guided wellness groups and peer specialists. The largest cluster of patients is within the Department of Mental Health-funded Community-Based Flexible Supports program, identified as ‘super-utilizers’ with high rates of avoidable ED visits. The program provides primary-care services to people with serious mental illness on site at a CHD community mental-health center, with a focus on patients with diabetes, pre-metabolic syndrome, and high risk for cardiovascular disease. Chronic-disease management and wellness programs are provided by primary-care nurses and peer specialists, and patients involved with the integrated care program experience reduced wait times when seeking medical care at the respective health centers. The focus of the foundation’s one-year grants is the evaluation and assessment of integrated-care programs that demonstrate the greatest likelihood of effectiveness across a range of domains such as increased access, improved outcomes, greater patient engagement, and reduced costs. The foundation will document the success factors, barriers, and challenges faced by grantees with the intent of making a longer-term investment in promising, replicable models in the future. For more information, visit www.bluecrossmafoundation.org.

Business Confidence Index Soars in 2014
BOSTON — The Associated Industries of Massachusetts Business Confidence Index ended 2014 at 57.3, 7.1 points above last December’s level. “This is the index’s highest reading since July 2007, before the Great Recession, and it concludes the best quarter since that period,” said Raymond Torto, chair of AIM’s Board of Economic Advisors (BEA) and lecturer at Harvard Graduate School of Design. “There is reason to believe, moreover, that this upwelling in confidence will prove more lasting than the increase of early 2012, which was undone by fiscal conflict in Washington.” In 2014, Torto noted, “business confidence survived a stress test of economic contraction in the first quarter, then gained in eight of the last 10 months of the year. Fundamentals are looking much better — unemployment is down and job creation is running strong nationally and in Massachusetts, which shows up in rising consumer confidence; the federal deficit and the trade deficit are shrinking; and, of course, the stock market has done well. Despite significant areas of weakness in the global economy, Massachusetts employers have ample cause to be optimistic.” The AIM Index, based on a survey of Massachusetts employers, has appeared monthly since July 1991. It is calculated on a 100-point scale, with 50 as neutral; a reading above 50 is positive, while below 50 is negative. The index reached its historic high of 68.5 on two occasions in 1997-98, and its all-time low of 33.3 in February 2009. The sub-indices based on selected questions or categories of respondent experienced a mix of gains and losses from November to December, but all were up from a year before. The Massachusetts Index, assessing business conditions within the Commonwealth, added one point on the month to 56.1, and the U.S. Index of national business conditions was up four-tenths to 50.1. “This is the third time since the recession that U.S. Index reached 50, but so far it has not held that level,” said BEA member Paul Bolger, president of Massachusetts Capital Resource Co. “Respondents with 100 or fewer employees still tend to rate national conditions negatively, while larger firms are on the positive side. Compared to last December, the state indicator was up 9.1 points, while its national counterpart gained 5.3 points.” The Current Index, which assesses overall business conditions at the time of the survey, was up 1.2 points to 56.2, while the Future Index, measuring expectations for six months out, shed one-tenth to 58.4. The annual gains were 7.6 and 6.8, respectively.