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The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Chicopee Mason Supplies Inc. v. Masonry Restorations of Boston Inc.
Allegation: Non-payment of goods sold & delivered: $4,051.20
Filed: 3-04-08

Gilbert & Son Insulation v. VIP Home Associates, LLC
Allegation: Balance due for insulation services rendered: $3,595.85
Filed: 3-03-08

Instar Services Group v. David Poulin & Sons Construction Inc.
Allegation: Breach of contract and negligence: $20,650
Filed: 3-12-08

GREENFIELD DISTRICT COURT

David Tower v. Rice Oil Co.
Allegation: Personal injury due to slip and fall: $10,528.18
Filed: 2-20-08

HAMPDEN SUPERIOR COURT

Lease Corporation of America v. Len’s Heating & Cooling Inc.
Allegation: Breach of lease agreement: $66,554.03. Filed: 2-07-08

Liberty Mutual Insurance Company v. Rio Minas Roofing
Allegation: Non-payment of workers’ compensation policy: $87,054
Filed: 2-12-08

Mary Laporte v. Tammy Table d/b/a Yellow Jackets of Springfield, TNC, and Hideaway Bar & Grill
Allegation: Failure to have workers’ compensation insurance: $144,244.86
Filed: 1-23-08

Richard T. Jordan III v. Gamestop a/k/a EB Games
Allegation: Employment discrimination based on handicap and failure to reasonably accommodate: $50,000+
Filed: 1-05-08

William S. Carrol v. AOS Operating System
Allegation: Breach of contract: $60,000
Filed: 1-16-08

HAMPSHIRE SUPERIOR COURT

Alandev, LLC v. East Coat Construction Services
Allegation: Breach of contract for construction services: $130,000
Filed: 3-14-08

Howard Gorniak v. Hardigg Industries
Allegation: Wrongful termination: $61,000
Filed: 3-13-08

John & Brandy Sullivan v. Anthony’s Residential Contracting
Allegation: Breach of contract and negligence: $32,044.95. Filed: 2-20-08

HOLYOKE DISTRICT COURT

Gerard Morrissette v. Greater Holyoke YMCA
Allegation: Negligence in property maintenance causing injury: $7,652.62
Filed: 3-06-08

Sylvan Corporation v. Mid-Atlantic Postal Properties Inc.
Allegation: Breach of contract: $6,619.82
Filed: 3-04-08

NORTHAMPTON DISTRICT COURT

Anthony’s Dance Club v. Presstek Inc.
Allegation: Lost business revenue due to negligence: $5,554
Filed: 3-07-08

Fleetcor Technologies Operating Company LLC v. Healy Transportation Inc.
Allegation: Non-payment of goods sold and delivered: $6,144.71
Filed: 3-10-08

Liberty General Contracting Inc. v. Anderson Builders Inc.
Allegation: Breach of contract and unpaid invoice: $35,823.80. Filed: 3-13-08

Interim Capital LLC v. Papa George Pizza
Allegation: Breach of contract and failure to pay promissory note: $4,537.93
Filed: 3-13-08

Steven Koledziej v. Scottish Inn
Allegation: Personal injury due to negligence in property maintenance: $3,534
Filed: 3-12-08

PALMER DISTRICT COURT

Bruce Gilbert v. Bertera Chevrolet Inc. and Todd T. Lamb
Allegation: Negligence in motor vehicle operation causing injury: $12,261
Filed: 3-11-08

Pioneer Valley Renovators v. Penn Lyon Homes Corporation
Allegation: Breach of contract for construction of modular home: $14,588.96
Filed: 3-11-08

SPRINGFIELD DISTRICT COURT

Jacqueline Stratos v. TLC Health Care Services, Inc.
Allegation: Failure to pay wages & commissions: $7,000
Filed: 1-09-08

Medeiros Real Estate Investments LLC v. Frame & Picture Shoppe
Allegation: Breach of lease contract: $22,575
Filed: 1-11-08

Pramco Cv7, LLC v. Let’s Go Bakery Inc.
Allegation: Default on commercial promissory note and guaranty agreement: $22,966.43
Filed: 1-10-08

WESTFIELD DISTRICT COURT

Lawrence Pooler & Stacy MacQueen-Pooler v. Sears Roebuck & Co. & Liberty Transportation Inc.
Allegation: Breach of contract: $12,600.72
Filed: 3-04-08

Sections Supplements
Many Are Finding New, Rewarding Careers in Health Care

One worked as an electrician, another as an advertising production specialist, and a third for the post office. They all had decent jobs with good companies, but something was missing from the equation in each case. So the individuals in question transitioned into careers in health care, and became part of a nationwide trend in the process.

Ron St. Peter, a 14-year veteran of the U.S. Postal Service, had a steady career with good benefits. But something was missing.
“It was a good job, but in some ways it wasn’t rewarding,” he told BusinessWest. “It didn’t fulfill my inner drive for knowledge, to learn, and to make a difference.”

St. Peter’s mother-in-law is a nurse, and she “put a bug” in his ear to test the waters in health care, he said. So he took classes in Anatomy and Biology at Holyoke Community College, and then decided he was intrigued enough to begin training as a nurse.

Today, St. Peter is continuing his education while working at Baystate Medical Center as a nursing assistant in the surgical stepdown unit, which is where patients go directly after surgery. He’d eventually like to work in the emergency room or intensive care unit — “I’d like that fast-paced, quick-decision environment where I can apply the knowledge I’ve gained and help people who really need it” — and knows he can likely write his own ticket to whatever nursing niche he wants.
That’s because the nation is in the midst of a nursing shortage that’s expected to get worse, for several reasons: Americans are living longer, the average age of nurses is currently in the 40s, and colleges are grappling with a shortage of nurse educators to teach the next generation.

So, yes, St. Peter and many others can indeed call their own shots, which is why nursing has become an attractive second career option for many. And it’s not just nursing.

Depending on the region, medical facilities nationwide are struggling with shortages of physicians and specialists ranging from physical therapists to laboratory technicians — and people working within other business sectors are taking notice.

Consider, for example, Elizabeth Bresnahan, a 1994 graduate of Western New England College, who parlayed a degree in Business Administration into a nine-year stint as an analyst with the national Dow Jones call center.

“I did lots of reporting, spreadsheets, databases, focusing on agent productivity and making things more efficient, and training my co-workers in using applications,” she said — not exactly the seeds of a career in health care.

But when the company began outsourcing many of its operations, Bresnahan saw the writing on the wall as an opportunity.

“Having a family with two small boys, my perspective started to change,” she said. “The Monday-to-Friday grind wasn’t working, and I wanted something with a little more flexibility.” She also wanted something stable in which she could advance her career without constant fear of downsizing. “Western Mass. is tough. It’s hard to find a place where you can grow and move up professionally. I didn’t want to keep starting over every two or three years.”

And as long as people get sick, she said, there will always be opportunities to help them get well. So she decided to enroll in the Respiratory Therapy program at Springfield Technical Community College, a track that tends to attract people with work experience who are looking for second careers, as opposed to recent high-school graduates.

In this issue, BusinessWest talks with several local professionals who have made, or are making, a transition into health care as a second career. The challenges of going back to school, especially after starting a family, can be daunting, but they say the rewards of a stable career with plenty of personal fulfillment are worth the effort.

Prescription for Change

A desire for a more people-oriented career played into Marla Zlotnick’s decision to switch from a 10-year stint in advertising to a new career as a pharmacy technician.

“I was a print producer — I coordinated print advertising and magazine advertising for ad agencies, and trafficking of the materials and print buying,” she said.

But she had always been oriented to community service, she explained, and longed for something with more contact with the public. Through her exposure to hospitals in her advertising career, she had come to see health care workers as a dynamic, caring group of people. So she joined them, starting with Target, which offers on-the-job training to new pharmacy techs as they work toward certification.

She now works for Baystate Health, helping pharmacists fill prescriptions and handling everything from insurance issues to inventory and ordering — and, of course, dealing with patients at the register. It’s an entry-level position, but one that affords her crucial exposure — not only to the field of pharmacy, but also to other medical professionals.

“I’ve had an opportunity to work with doctors, nurses, and patients,” she said. “Now I can decide, moving forward, if I want to go to pharmacy school, or nursing school, or something else.”

With members of the massive Baby Boom generation entering their senior years, openings for nurses, physical therapists, medical assistants, health-information technicians, and physician assistants in particular are expected to multiply over the next seven years, according to the Bureau of Labor Statistics. In addition, even health fields that don’t involve direct care of very ill patients, such as dieticians and counselors, are expected to grow faster than average through 2014.

Although the trend toward health care as a second career has been gaining steam in recent years, the sector has long been viewed as a stable industry for people looking for a change. Ask Paul Podmore.

It was 1994, and Podmore — an electrician with a decade of experience under his toolbelt, mainly wiring residential homes — was feeling the itch to return to school and start a second career. But what career?

He got married early that summer, and just two weeks after the wedding, his wife wound up hospitalized at UMass Medical Center in Worcester for more than two months. “I spent pretty much every day there, helping the nurses take care of her,” he said. “One of the nurses on the night shift suggested that I think about going to nursing school, which I hadn’t even thought of.”

Like St. Peter, Podmore had nurses in his family — two sisters and his mother-in-law, to be exact — and soon he decided he’d give that world a try, so he enrolled in a program at UMass Amherst, graduating in 1996.

“I’ve been doing this ever since,” he said, spending a decade in the cardiac telemetry unit at Mercy Medical Center before moving to the cardiac catheter lab at Baystate Medical Center for 17 months, then recently returning to Mercy as a nurse in the fast-paced Emergency Department.

Podmore said he enjoys interacting with people from all walks of life on the job, but admits his work often doesn’t make for cheerful dinner-table chat.

“You have to be hardworking, and you have to be compassionate. It’s humbling at some points. You’re seeing people at the core of who they are,” he told BusinessWest.

What makes the intensity worthwhile, he said, is being able to make a difference at that terrible moment in someone’s life.

“You’re working there, helping the doctor, and you see a person in the middle of a heart attack, screaming or moaning and having chest pain,” he said. “Then the blockage is opened, and a few minutes later the patient is feeling better. To be part of a team that does that, to see people improve, is very rewarding.”

Like nursing, respiratory therapy offers a range of work schedules and settings — from hospitals to nursing homes to home care — that can help families balance work and home life, Bresnahan said. But she, like the others, mainly touts the direct-care aspects of the job, and the way it promises to keep her on her toes.

“Numbers don’t lie,” she said of her former job. “One thing leads to another leads to another. But here, it’s changing all the time, and you have to be flexible. You’re working with people, not with spreadsheets or databases. Just think of the impact you have on the patient — everyone needs to breathe, and as the respiratory therapist, you have a lot of control over that.”

Counting the Cost

That’s a theme that others who spoke with BusinessWest kept returning to — the satisfaction gained from helping people at a time of need. To many such career-switchers, it’s worth the inevitable financial hit that comes not only from the loss of a steady income but the cost of tuition.

“It has been difficult, but my wife has been really understanding, and she has enabled us financially to take the loss in pay,” said St. Peter. “I’ve really enjoyed school, and I enjoy the health field now that I’m in it. The opportunities, the technology, and the ability to advance all intrigue me.”

Bresnahan called her decision very stressful and difficult, “but my husband has been very supportive,” she said. “We planned ahead and tried to anticipate what would happen. I was accustomed to being employed full-time, and I have a part-time job now.

“I also have to factor in school,” she continued. “I need time to study, but I also have a family, and the kids have homework. The first time around, going to WNEC, I only had to worry about myself, but now I have to worry about everyone around me. There’s a lot more riding on it this time, so I’m definitely taking it more seriously than before.”

The other side of the coin, said Podmore, is that health care can often provide needed scheduling flexibility for families. In fact, he was able to remain home on weekdays with his twin boys for two years, working only weekends and allowing his wife to continue her career.

“The other good thing is that this field is not dependent on the economy,” he said. “You might not get rich, but you can always find a job that provides a good, steady income.”

“It’s definitely a transition, but it’s been great,” said Zlotnick. “You have to be prepared to start again, but I think being in this field is definitely worth it.”v

Sections Supplements
The Regional Homebuilders Association Focuses on Education to Strengthen the Market
The team at the Homebuilders Assoc. of Western Mass. stands in front of their offices, designed to look like a private home, on Cadwell Street in Springfield.

The team at the Homebuilders Assoc. of Western Mass. stands in front of their offices, designed to look like a private home, on Cadwell Street in Springfield.

There’s a quaint, stone-walled home that seems out of place on Cadwell Street in Springfield, the industrial roadway on which it’s located.

But inside, there’s much more going on than Sunday dinners. This is the headquarters of the Homebuilders Assoc. of Western Mass. (HBAWM), a member-driven organization formed in 1939 to promote the trade of residential construction as a whole, as well as responsible practices therein and affordable home ownership.

The building was constructed in 1998 by some of the association’s 550 members — who hail from all four counties in Western Mass. — and represents the only physical offices maintained by any of the five regional home-builders associations in the Commonwealth.

The Cadwell Street facility is home to an extensive library and meeting space for use by both the association and its members when needed. Operated by a staff of six, it serves as a model home of sorts, too; the molding is a little different in each room, as are the windows, cabinets, floors, and color schemes, and builders often use these examples to show clients.

Beyond a spiffy home base, though, the HBAWM is also one of the most active such organizations in the country. The group’s annual Spring Home and Garden Show, this year slated for March 27-30, is one of the 10 largest in the nation, and was joined last year by a second show held in the fall, which is more ‘lifestyle-based,’ focused on topics like home entertainment and healthy living rather than the nitty-gritty of building and remodeling.

The HBAWM also conducts educational, charitable, and promotional efforts throughout the year for both consumers and members. These are steered by several volunteer-based committees and a 40-member board of directors, also volunteers, many of whom are past presidents of the association who hold a term for one year (this year’s president is Paul LeClerc, co-owner of LeClerc Bros. Inc. in Chicopee).

Members range from seasoned professionals to small-business owners just starting out, and the association’s executive director, John Lilly, said there’s no shortage of topics to discuss.

“We just completed a construction licensing class, as well as an OSHA certification class, and our members have asked us to look into holding courses in small business ownership,” he said, noting that informational sessions are another major aspect of the HBAWM’s educational offerings.

“As a member of both the state association of home builders and the national association, members can take advantage of information on many different levels,” added Lilly, noting that this focus on current information and professional development is a key tenet of the HBAWM. “If we educate ourselves, we’re armed to make better decisions, and gradually raise the standards for residential building. Plus, we’re better-prepared to pass that education on to consumers.”

Banking on It

Lilly’s own story is an intriguing one — he spent 36 years in the banking industry before signing on to lead the HBAWM in December. While he admits he’s no builder, the respect and admiration he has for this profession is evident in his remarks, as well as his plans for the future as he settles into his post.

“Continued education is at the top of my list, as are addressing liability issues and doing whatever we can to help our members,” he said. “The people doing it right — the registered builders who keep on top of changing laws, regulations, and trends — are finding it increasingly difficult to compete in this economy. Our goal is to educate them on how to do their jobs as best they can, and to educate consumers that when selecting a contractor, it’s important to compare apples to apples.”

In other words, comparing reputable, licensed contractors to one another, and in the case of the HBAWM’s membership base, Lilly says that’s each and every one of them.

“The amount of time people put into this organization is significant. We have a membership committee, a legislative committee, an ethics committee, a spring home show committee, a fall home show committee, and a lot of camaraderie. You’d think that all of the builders in the area would be in competition, and while that’s sometimes true, that’s not the attitude within the organization.”

Lilly said outside pressures tend to create a bond between like-minded professionals, and the home-building industry is not immune to that.

At the top of the current list of concerns are the state of the region’s economy and the health of the real-estate market, both of which directly impact the building sector. Meanwhile, there are legislative issues, safety concerns, regulatory questions to be answered, and new trends to explore.

For example, there is a new state law that will go into effect July 1 of this year that the organization is working diligently to publicize among the building and renovating community, which will require contractors specializing in roofing and window and siding installation to be licensed with the state. Previously, these professionals needed only to be registered. In addition, rumblings on the state level to pass legislation requiring formal continuing education for contractors are being tracked closely.

And there are other discussions surrounding the day-to-day challenges of doing business, especially in this challenging economic climate. Tina Smith, sales director for the HBAWM, who has been with the organization for just under 20 years, said that, largely, builders in the area seem to be holding strong, although they certainly aren’t enjoying boom times.

“Overall, builders are doing OK. A lot have been through this in the past, and I think they were able to see this coming and adapt,” she said, noting that the health of the building industry often fares better in Western Mass. because of the wide availability of open, developable space. “We have cycles like everyone else, but it’s not as dramatic a downturn as in other regions of the country.”

The Trends of the Trade

Lilly added that while remodeling often becomes a sign of a tight economy, certain trends in the building sector today, including ‘aging in place’ work for older Americans and green building, lend themselves to renovations and additions.

“‘Green’ is the biggest thing,” said Lilly. “People are trying to work through what green means in today’s market.”

He added that the HBAWM has recently formed a ‘green committee’ to further study its effect on the building trade; it recently voted to recommend promoting green building as an organization.

The HBAWM is also in the midst of efforts to bolster its own ranks and those of the homebuilding and renovating trade in general, to prepare for the future of the industry. It does so through scholarships made available to high school and trade school students to further their educations or start their own businesses, amounting to $20,000 annually.

In addition, the association takes on a certain amount of charity work each year, sponsoring the Pioneer Valley chapter of the American Red Cross’ Hometown Heroes event, for instance, and participating in a Springfield-based program called Christmas in April, during which members and staff of the HBAWM provide both financial and in-kind assistance to individuals and families in need, completing minor home improvement projects, yardwork, and small construction projects, such as building handicapped-accessible ramps.

The association also volunteers with Habitat for Humanity on a regular basis. Lilly said it’s an excellent way for builders to give back without taking too much time from their own job sites.

“We have a lot of very busy members,” he said, referring not just to their businesses but their work within the association. “Our members want to move the association forward for the good of everyone involved.”

An Open-door Policy

And as he walks through the 5,500-square-foot building that the HBAWM calls home, Lilly takes note not just of the recessed lighting and the dramatic staircase, but also of the staff members stuffing envelopes, putting the finishing touches on marketing materials for the spring home show, and straightening the shelves in the resource library.

“Our staff learns from our members, and at the same time, we do a great deal of lobbying on their behalf,” he said. “Overall, it’s a system with which I’m very impressed.”

Jaclyn Stevenson can be reached at

[email protected]

Sections Supplements
A Primer on the Emerging Trend of Pet Estate Planning

Some people consider their pets to be members of their family. Other people have made a career out of breeding, raising, and/or sheltering animals. When animal owners pass away, if they have not made provisions for the continuing care of their animals, the outcome can be disastrous.

Often, the recipient of the animal does not want to, or is not prepared to, take on the responsibility of providing ongoing care. As a result, the animals are then euthanized, neglected, or abandoned. In order to provide for the ongoing welfare of their animal after their demise, the estate plan of the animal owner should specifically address the disposition and care of the animal.

When an animal’s owner passes away, the animal will pass through the decedent’s estate as personal property, just as would a lamp, a couch, or a bedroom set. As such, the ongoing ownership of the animal should be addressed in the animal owner’s last will and testament. In addition to distributing the animal to a new owner or caretaker, most often, an animal owner will desire to establish a trust for the benefit of their pet.

Although approximately half of the 50 states do recognize ‘pet trusts,’ unfortunately, at this time, Massachusetts is not one of them. While it is not possible to create an enforceable trust solely for the benefit of an animal, it is possible to establish an enforceable trust for the benefit of the animal’s caretaker.

One of the most important decisions when planning for an animal is determining who will serve as the animal’s caretaker. It is also important to name at least one alternate caretaker, if not several, who would provide care if the originally named caretaker was unable to do so. The most commonly named caretakers are relatives, friends, the animal’s veterinarian or breeder, or an animal shelter or sanctuary.

A number of animal sanctuaries have emerged that will provide care for an animal until its demise. These facilities vary greatly in terms of the environment they provide, the cost of placing an animal within the sanctuary, and the type of compensation accepted. Some sanctuaries may accept only cash donations, while others are willing beneficiaries of a charitable remainder trust. The animal owner should approach the intended caretaker to ensure that the caretaker is willing to accept this responsibility and on what terms, because nothing destroys a plan faster than when the intended caretaker refuses the responsibility.

The next important decision is determining how the caretaker will be paid. The caretaker may receive funds to cover all verified expenses associated with caring for the animal. Normal and customary expenses would include housing, food, veterinary care, grooming, and burial and cremation fees. Another alternative is to provide a lump sum to the caregiver based on the care to be provided until the animal’s demise. Providing a lump sum may encourage the caretaker to skimp on the animal’s needs in order to allow the caretaker to retain the funds personally. In this regard, an independent party should be empowered to inspect the animal to ensure that it is being properly maintained. Inspections should take place in the animal’s home environment and should also be permitted to be made randomly.

The animal owner should also address the final disposition of the animal and of any funds remaining when the animal has passed away. Here, the inclusion of strict guidelines concerning euthanasia should be considered. If the caretaker retains the funds remaining upon the animal’s passing, an unscrupulous caretaker may seek to euthanize the animal without cause simply to retain the funds.

A comprehensive estate plan will also provide for the ongoing care of the animal should the owner lose the capacity to handle his own affairs, whether due to physical or mental illness. The health care proxy, which is a document naming someone to make health care decisions for the owner, and the durable power of attorney, which is a document naming someone to make financial decisions for the owner, should contain special provisions acknowledging the animal and providing for the animal’s ongoing care.

Most often, a durable power of attorney will authorize the person named to handle a laundry list of financial transactions. When an animal owner is incapacitated, the animal must be placed with a custodian, and money must be spent to provide ongoing care. To avoid any controversy regarding the care and custody of the animal, the power of attorney should authorize the person named to take custody and control of the animal if need be. The document should further authorize the person named to arrange for someone to provide care for the animal, even to the extent that said care would require additional monetary compensation to the caretaker.

The health care proxy should notify the person named and/or medical personnel that the incapacitated person is an animal owner and that the animal is dependent upon that owner for care. While medical personnel will certainly first attend to the owner’s care, if the owner remains incapacitated, the language of the health care proxy will remind the person named, and should alert medical personnel, of the need to ensure the ongoing care of the animal.

When an estate plan takes into consideration the issues raised here, the owner has taken the steps necessary to ensure the ongoing care of their pet. The animal will then receive the best substitute care possible for that of their original owner. Without such a plan, the fate of the animal is at best uncertain, and at worst unspeakable.

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

Departments

Cash Flow Workshop

March 19: Robb Morton of Boisselle, Morton & Assoc. LLP will present “Understanding Your Company’s Cash Flow” from 9 to 11 a.m. as part of the ongoing training seminars sponsored by the Mass. Small Business Development Center Network in Springfield. The workshop is slated at the Andrew M. Scibelli Enterprise Center, One Federal St., Springfield. The cost is $40. For more information, call (413) 737-6712 or visit www.msbdc.org/wmass.

Working Clutter-free

March 19: The Women’s Partnership of the Affiliated Chambers of Commerce of Greater Springfield presents “Working Clutter-free” from 11:30 a.m. to 1:15 p.m. at the Clarion Hotel in West Springfield. Carleen Eve Fischer Hoffman, owner of The Clutter Doctor Inc., will help participants explore ways to create order in the office through simple organizing techniques. The cost is $25, and reservations can be made by contacting Diane Swanson at the Affiliated Chambers of Commerce of Greater Springfield, 1441 Main St., Springfield; by fax at (413) 755-1322; or via E-mail at [email protected]

Seminar on Undergraduate Programs

March 20: Cambridge College will host an informational session on its Bachelor of Arts-Multidisciplinary Studies and Bachelor of Science-Human Services programs for working adults from 6 to 8 p.m. in the Boardroom of the Springfield Marriott. For more information, contact Mary A. Nelen, undergraduate admissions counselor, Cambridge College, at (800) 829-4723, ext. 6617, or via E-mail at [email protected].  To view more Cambridge College offerings, visit www.cambridgecollege.edu

Digital Marketing Seminars

March 21: The Regional Technology Corporation’s Technology Enterprise Council network will conduct a series of five seminars this year focused on digital marketing. The first seminar, “Viral Marketing,” is planned from 8:30 to 10:30 a.m. in the tele-classroom at Springfield Technical Community College’s Technology Park. Seminars also planned include “Using Social Networks as Marketing Tools,” “Business Blogging,” “Using Video to Enhance Marketing,” and “Web Trends.” The March 21 event is free to RTC members and $50 to non-members. Advance registration is required and can be made by calling (413) 755-1314 or by E-mailing April Cloutier at [email protected].

Adult Fitness/ Wellness Fair

March 22: As part of its commitment to total wellness, the Springfield YMCA is hosting a “New Attitude – New You Fit Fair” for adults from 10 a.m. to 2 p.m. The event is free and open to the public. Health screenings will include blood pressure, cholesterol level, glucose level, and body composition. Other offerings will include physical therapy and chiropractic assessments, product samples, raffle prizes, total body health and beauty tips, basic financial and consulting tips, healthy food and soft drink samples, and a fitness wear fashion show. For more details, call the YMCA at (413) 739-6951, ext. 145, or visit www.springfieldy.org

Peacebuilding Workshops

March 26: As part of its free 2008 Speaker Series, Elms College in Chicopee will host a workshop titled “Peacebuilding” by Hedley Abernethy, peacebuilding education advisor for Catholic Relief Services, at 3 p.m. Abernethy will also participate in a panel discussion on “Peacebuilding” with Michael True, Ph.D., professor emeritus of English at Assumption College, and Sharon Shepela, Ph.D., professor of Psychology at the University of Hartford, at 7:30 p.m. Meeting locations were not available at press time. Visit www.elms.edu   for more information.

Panel Discussion on Civil Rights Lessons

March 26: “Unsettled Histories: Civil Rights Lessons from Jena and Beyond” will feature civil rights advocate and law professor Margaret Burnham and legal investigator Terry Davis discussing their work on behalf of a Jena 6 student. The 7:30 p.m. panel discussion will be conducted in Gamble Auditorium, and is free and open to the public. For more information, call (413) 538-3071.

YPS Celebrates March Madness

March 27: The Young Professional Society of Greater Springfield marks its one-year anniversary during its monthly social at the MassMutual Center from 5 to 7 p.m. Highlighting March Madness and the NCAA Elite Eight Division II basketball championship in downtown Springfield, YPS has partnered with the Collegiate Championship Committee of Greater Springfield for its March social. While attendance is free with YPS membership, non-members are welcome for $5 per person. The event will be held on the second floor, outside the main ballroom, overlooking Court Square. Active networking will be accompanied by hors d’oeuvres, a cash bar, and lively entertainment. Tickets for that evening’s semifinal games will be available during the event. March corporate sponsors are BusinessWest and Avanti Skin Care, and the nonprofit spotlight is the United Way of Pioneer Valley. For more information, visit www.springfieldyps.com

Create-a-Strategy Lecture

March 27: Representatives of the Berkshire Chamber of Commerce will host a lecture from 9 to 11 a.m. titled “Create-a-Strategy” as part of the ongoing training seminars sponsored by the Mass. Small Business Development Center Network, with offices in Springfield and Pittsfield. Participants will learn to create a seven-sentence marketing strategy that informs and drives marketing campaigns, media selection, messaging, and marketing budgets. Also, learn the secret of delighting the few to attract the many and how to describe your target market and identify your niche. The cost is $40. For more information on the lecture that will be conducted at the Chamber office, 75 North St., Pittsfield, call (413) 499-0933 or visit www.msbdc.org/wmass

‘Green’ Workshop

March 27: Andrea Nager Chasen, assistant regional director for the Climate Change Project of Western MA, will present “Climate Change,” a 45-minute workshop and discussion on how an individual can help reduce the problems of a warming atmosphere and climate. Her 7 p.m. lecture is planned in Mills Theater in Carr Hall at Bay Path College in Longmeadow as part of its Kaleidoscope spring lecture series. The event is free and open to the public. For more information, visit www.baypath.edu

Cultural Diversity Reading

March 27: Elms College in Chicopee will present “Ferociously Yours: Poetry as Resistance,” a reading celebrating cultural diversity, in the Alumnae Library Theater at 8 p.m. The reading will include diverse performance pieces and new works by several poets. The event is free and open to the public, and there will be an opportunity to purchase books and CDs from the performers after the reading. For more information, contact Alexander at (413) 265-2343.

Walking with Dinosaurs

March 27-30: “Walking with Dinosaurs – the Live Experience,” based on the award-winning BBC television series, will be staged at the Mullins Center in Amherst for seven shows. Ten species are represented from the entire 200-million-year reign of the dinosaurs. The show depicts the dinosaurs’ evolution, complete with the climatic and tectonic changes that took place, which led to the demise of many species. For ticket information, call (413) 733-2500 or visit www.ticketmaster.com

Legislative Breakfast

March 28: The presidents of Greenfield Community College, Holyoke Community College, Westfield State College, and Springfield Technical Community College will host a legislative breakfast at STCC, beginning with breakfast at 7:30 a.m. on the seventh floor of Scibelli Hall. The formal program begins at 8 and will feature discussions on public higher education in Massachusetts. For more information, call STCC at (413) 755-4906.

‘Globalizing Gender?’

March 31: The Five College Women’s Studies Research Center in South Hadley will host a presentation titled “Globalizing Gender?: Militarization, ‘New Wars’ and the Global Economy” by Dubravka Zarkov, Ford Associate from the Institute of Social Studies. Zarkov looks at the nexus of the economy and militarism as a contemporary global condition, asking whether this nexus is dependent on specific notions and practices of masculinities and femininities, and thus in need of reproducing them. The free event is open to the public. For more information on the event, visit www.fivecollege.edu/sites/fcwsrc  or call (413) 538-2275.

UMass Exhibition

April 1-12: The Augusta Savage Gallery at UMass Amherst will present an exhibition titled “Charles ‘Teenie’ Harris: Rhapsody in Black and White,” featuring works by the late, famed photographer of Pittsburgh. The gallery will feature a talk by choreographer Ronald K. Brown at 7 p.m. during the closing reception on April 11 from 5 to 7:30 p.m. The show documents the historic and daily events of the Pennsylvania city’s African-American community between 1936 and 1975. The event is free and open to the public. For more information, call (413) 545-5177.

Workshop on Branding

April 2: John Bidwell of Bidwell ID will present a workshop on “Branding” from 9 to 11 a.m. at the Andrew M. Scibelli Enterprise Center, One Federal St., Springfield, as part of an April Mornings Marketing Series, sponsored by the Mass. Small Business Development Center Network in Springfield. The series continues on April 9 and April 16. The cost is $40 for one workshop, $75 for two workshops, $100 for three, and $125 for the series. For more information, call (413) 737-6712 or visit www.msbdc.org/wmass

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISRICT COURT

Theresa Szkolt v. Johnson Construction
Allegation: Breach of contract for construction services: $4,600
Filed: 1-28-08

WJF Geoconsultants Inc. v. Bernard Brunelle & Triple B Auto Service Inc.
Allegation: Non-payment of environmental services: $6,771.25
Filed: 2-07-08

FRANKLIN SUPERIOR COURT

Gilbert R. Lanoue v. Big Y Foods Inc.
Allegation: Negligence in dispensing of drug causing personal injury: $6,200
Filed: 1-31-08

GREENFIELD DISTRICT COURT

Sherwin Williams Company v. Todd Baker Decoration
Allegation: Non-payment of goods sold and delivered: $2,870.15
Filed: 2-13-08

HAMPDEN SUPERIOR COURT

Helen Santaniello v. James Harrington & Hawk Liquors & Spirits Inc.
Allegation: Breach of purchase and sales contract: $325,000
Filed: 12-28-07

Mary Lewandowski, administratrix of the estate of Fred Lewandowski v. Edward Steven Ballis, M.D.
Allegation: Medical negligence causing death: $25,000+
Filed: 1-23-08

Miriam Rosa v. Goodwill Industries Inc.
Allegation: Other negligence and personal injury: $25,000+
Filed: 2-01-08

Nicholas Lynch v. Douglas G. McAdoo, M.D. and Emergency Medicine Associates
Allegation: Medical malpractice: $25,000
Filed: 1-30-08

Roger Cortis Jr. v. Crystal Brook Landscape Construction Inc.
Allegation: Motor-vehicle negligence: $26,258.55
Filed: 1-20-08

Taylor M. Coutant v. Eastern States Expo and North American Midway Entertainment
Allegation: Negligence causing personal injury while entering amusement ride: $526,136.18
Filed: 2-05-08

HAMPSHIRE SUPERIOR COURT

David Bogardus v. Packaging Corporation of America
Allegation: Negligent failure to maintain property, causing injury: $601,768.27
Filed: 1-16-08

Pramco CV8, LLC v. J & P Dunham Truck & Tractor Service, LLC
Allegation: Default on commercial promissory note and guaranty agreements: $27,275.32
Filed: 1-24-08

William and Ann Marie Woods v. Wagner Spray Technology Corporation
Allegation: Negligence in design and manufacture of product causing fire damage: $200,000+
Filed: 1-24-08

HOLYOKE DISTRICT COURT

Ramon Suarez v. El-Ro Realty and Pleasant Realty Apartments, LLP
Allegation: Negligent maintenance of property causing injury: $6,331.59
Filed: 1-18-08

NORTHAMPTON DISTRICT COURT

Assured Nursing Services Inc. v. Somerset Longterm Care, LLC d/b/a Poet’s Seat Health
Allegation: Principal due on promissory note: $29,764.31
Filed: 2-15-08

Fierst, Pucci, & Kane LLP v. Replay Studios GMBH
Allegation: Failure to pay for legal services rendered: $9,705.39
Filed: 2-14-08

McCarthy, Burgess, & Wolff v. Northeast Woods & Waters Inc.
Allegation: Non-payment of balance on equipment lease: $11,885
Filed: 2-14-08

PALMER DISTRICT COURT

Budget Truck Rental LLC v. Liberty Transportation Inc.
Allegation: Motor vehicle negligence: $9,676.72
Filed: 1-30-08

SPRINGFIELD DISTRICT COURT

Alan Planky v. Regency Pontiac
Allegation: Breach of car sales contract: $7,235.47
Filed: 1-03-08

WESTFIELD DISTRICT COURT

Abraham Forish v. YMCA of Greater Westfield Inc.
Allegation: Negligent maintenance of exercise equipment causing injury: $21,000
Filed: 2-04-08

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Christina A. Douglas v. Nathaniel Woods and VanPak Inc.
Allegation: Motor vehicle negligence: $24,000
Filed: 1/08/08

Roland Kolek v. A. Perreira Construction
Allegation: Seeking payment for damages to car due to improper grading of street: $1,261.36
Filed: 1/10/08

FRANKLIN SUPERIOR COURT

James E. Muenkel v. Mohawk Trail Regional School District
Allegation: Negligence in property maintenance causing injury during gym class: $27,136.31
Filed: 12/27/07

HAMPDEN SUPERIOR COURT

Frank Montaneiz v. United Parcel Service and Vincenzo Mazzeo
Allegation: Employee discrimination: $25,000
Filed: 11/26/07

Lisa Miller v. Carlo M. Buendo, CDB Realty, LLC and Reminder Publications Inc.
Allegation: Personal injury due to fall: $363,856
Filed: 11/21/07

Philip Clouter v. Wild Turkey Development, LLC
Allegation: Construction of sub-division changed water flow and floods plaintiff’s property: $50,000.00
Filed: 12/24/07

HAMPSHIRE SUPERIOR COURT

Wells Fargo Bank N.A. v. George E. Browne Associates
Allegation: Breach of credit contract: $77,044.34
Filed: 12/24/07

HOLYOKE DISTRICT COURT

Five Star Jet Center Inc. v. Air Fleet Management Enterprise Inc.
Allegation: Non-payment of goods received: $2,728.11
Filed: 12/21/07

PALMER DISTRICT COURT

James Kokoszyna v. Building Blocks Construction Inc.
Allegation: Negligent construction of single-family home and breach of warranty: $17,500.00
Filed: 1/16/08

Bozzuto’s Inc. v. Tenczars Superette Inc.
Allegation: Non-payment of goods delivered: $15,419.76
Filed: 1/04/08

SPRINGFIELD DISTRICT COURT

Jay Marie Burgos, by her mother v. YMCA of Greater Springfield
Allegation: Negligence causing personal injury: $4,081.40
Filed: 12/19/07

Patterson Dental Supply Inc. v. Art Dental Lab Inc.
Allegation: Breach of credit agreement: $10,326.78
Filed: 12/19/07

WESTFIELD DISTRICT COURT

Anderson Associates v. Northeast Construction Services
Allegation: Non-payment of surveying services rendered: $2,040.00
Filed: 12/18/07

Cynthia Bruneau v. Wal-Mart
Allegation: Falsely accused of shoplifting: $2,000
Filed: 1/08/08

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Sherwin Williams Company v. Moore’s Steeple People
Allegation: Non-payment of goods and services: $2,365.68
Filed: 1/16/08

Teresa Doyle v. Five Star Remodeling
Allegation: Motor vehicle negligence: $8,192.20
Filed: 1/11/08

USA Hauling and Recycling Inc. v. Quicky’s Restaurant
Allegation: Breach of contract for rubbish removal services: $3,698.99
Filed: 12/27/07

FRANKLIN SUPERIOR COURT
Nalco Company v. RPM Products, LLC
Allegation: Non-payment of goods sold and delivered: $28,245.64
Filed: 1/11/08

HAMPDEN SUPERIOR COURT

Lucretia Cameron v. The Mercy Hospital Inc. & Pamela Trela
Allegation: Employment discrimination: $25,000
Filed: 9/10/07

Raymon Cooper v. Springfield College, Anthony Regan, and Allen Noble
Allegation: Employment discrimination: $25,000+
Filed: 1/04/08

Management Recruiters Inc. v. Quinn Printing Company, Inc.
Allegation: Breach of placement service contract: $31,200
Filed: 11/27/07

Veronica Estrella v. Ninety-Nine Restaurant Inc. & Daniel Spadola
Allegation: Employment discrimination: $25,500+
Filed: 12/24/07

HAMPSHIRE SUPERIOR COURT

Merrimack Mutual Fire Insurance Company v. Surner Heating Company
Allegation: Property damage due to negligence: $196,301
Filed: 1/14/08

HOLYOKE DISTRICT COURT

Book Club of America Inc. v. Hudson News Company Inc.
Allegation: Non-payment of goods sold and delivered: $13,983
Filed: 12/03/07

NORTHAMPTON DISTRICT COURT

Bonneville Windows and Doors v. Eastern Lumber and Millwork Inc.
Allegation: Non-payment of goods sold and delivered: $21,596.90
Filed: 12/31/07

PALMER DISTRICT COURT

S & K Lawncare v. Fountainview Estates, Metro Builders, and Paul Lemieux
Allegation: Breach of contract for services: $3,175.00
Filed: 12/17/07

Henry Drapalski v. Park Square Realty
Allegation: Real estate listing stated central air and after purchasing home plaintiff paid for installation of central air system: $9,250
Filed: 12/19/07

SPRINGFIELD DISTRICT COURT

Thomas Sbrega v. Garken Realty, LLC and Allen & Anne Chase
Allegation: Negligence in property maintenance (snow and ice) causing injury: $7,869.30
Filed: 12/07/07

Pipetek v. Anderson Builders Inc. and Landry Capital Company
Allegation: Failure to comply with terms of contract for service: $13,988
Filed: 12/24/07

WESTFIELD DISTRICT COURT

United Rentals Aerial Equipment v. Eagle Nest Construction
Allegation: Non-payment of goods sold and delivered: $2,040
Filed: 1/03/08

Departments

Hampden Bank announced the following:
• Shana J. Hendrikse has been named Office Manager for the Wilbraham office, and
• Bonnie Hull has been named the Assistant Office Manager for the Wilbraham office.

•••••


Tucker Kueny

Tucker Kueny, M.D., FACOG, has been named Medical Director of the new midwifery practice at Cooley Dickinson Hospital (CDH) in Northampton. Kueny will begin at CDH in June, but will be involved immediately in the plans to further develop the midwifery program. He joins CD Practice Associates, Cooley Dickinson’s affiliated physician group, and will provide physician coverage to the midwifery practice in conjunction with WomanCare/Northampton Obstetrics & Gynecology Associates, an affiliated Cooley Dickinson medical practice.

•••••

 

Peter Pan Bus Lines in Springfield announced the following appointments:
• Brian Stefano has been named Executive Vice President and Chief Operating and Financial Officer, and
• Christopher Crean has been named Vice President of Safety and Security.


Brian Stefano

Christopher Crean

•••••

The Mass. Alliance for Economic Development recently elected directors for 2008. They are:
• Ned Bartlett, a Partner at Bowditch & Dewey, LLP;
• Tyler Fairbank, President of the Berkshire Economic Development Corp., and
• Susan Fenton, Vice President, National Grid.
Directors re-elected to the board are:
• David Begelfer, Chief Executive Officer of the Mass. Chapter of National Association of Industrial and Office Properties;
• Jack Burns, Managing Principal at CRESA Partners, LLC;
• Robert Culver, President and Chief Executive Officer of MassDevelopment;
• Francesca Maltese, Development Manager for the O’Connell Development Group, and
• David Tibbetts, General Counsel to the Merrimack Valley Economic Development Council.
Directors elected as officers include:
• Girard Sargent of Citizens Bank as Chairman;
• Robert Brustlin of VHB as Vice Chairman;
• Susan Fenton of National Grid as Treasurer;
• David Tibbetts of the Merrimack Valley Economic Development Council as Clerk.

•••••

AuPairCare, a child care/cultural exchange organization, has selected Michelle Longey as its Area Director for host families and their international au pairs in Western Mass. Her new responsibilities include providing continual support for area host families and their au pairs, and educating interested families on AuPairCare’s programs. AuPairCare is one of the few organizations designated by the U.S. Department of State to place qualified young people from around the world with American families.

•••••


Peter K. Riggins

Peter K. Riggins has been awarded the Accredited Investment Fiduciary Analyst™ designation from the Center for Fiduciary Studies. Riggins is the Director of 401(k) Plans for Epstein Financial Services in Springfield, where he manages the investment due diligence and plan sponsor reporting processes for more than 80 401(k) plans across the Western Mass., North Central Conn., and southern Vermont regions.

•••••

Tighe & Bond in Westfield announced the following:
• Amy Lane, an environmental engineer who specializes in drinking water, recently passed her Massachusetts licensing exam to practice as a professional engineer, and
• Ronald Smith, a control systems engineer with 20 years of experience in electrical hardware system design and specification, recently passed his Massachusetts licensing exam to practice as a professional engineer.


Amy Lane

Ronald Smith

•••••

Elizabeth Taras has launched her own company, Taras Communications, offering 15 years of experience in public relations, event planning, and public speaking. She is a certified speaker for Monster.com’s Making It Count program, and assists municipalities with downtown revitalization initiatives.

•••••


Julie A. Dialessi-Lafley

Bacon Wilson, P.C. in Springfield has named five Partners to the firm. They are:
• Attorney Julie A. Dialessi-Lafley is a multi-faceted business lawyer with extensive experience in all aspects of corporate and business law, as well as commercial and residential real estate. Her additional specialties include probate, estate and elder planning, and family law.
• Attorney Gina M. Barry is a member of the Estate Planning/Elder Law Department, whose practice includes sophisticated elder law and estate planning issues, including pet estate planning. Additional areas of expertise include guardianship, conservatorship, planning for long-term care, and residential real estate.
• Attorney Gary F. Bevilacqua’s primary area of practice is real estate, both residential and commercial. He also does estate planning, banking and finance work, and personal injury representation.
• Attorney Bruce M. Fogel is a member of the estate planning, elder, real estate, zoning, business, and corporate departments. He also has extensive experience in matters relating to income, gift, and estate taxes, and focuses on the tax implications of all legal transactions.
• Attorney Peter W. MacConnell is a member of the real estate department, handling both residential and commercial transactions. He also specializes in zoning and land use issues, almost exclusively on the developer side. In addition, he does estate planning and corporate legal work.


Gina M. Barry

Gary F. Bevilacqua
   

Bruce M. Fogel

Peter W. MacConnell

•••••

Heather L. Feltman has been named President/Chief Executive Officer of Lutheran Social Services of New England.

•••••

Ronald C. DeCurzio, Chief Operating Officer at Mass. Municipal Wholesale Electric Company (MMWEC), Ludlow, will assume the general manager’s responsibilities with the announcement of Glenn O. Steiger resigning to take a position with Glendale (Calif.) Water & Power. The MMWEC Board of Directors will meet in the near future to discuss Steiger’s resignation and the general manager’s position.

•••••

MassMutual Retirement Services in Springfield has adopted an enhanced regional model for its advisor and plan sponsor service operations. The regional service teams, comprised of both relationship managers and account managers, will be led by four newly appointed assistant vice presidents of service. They are:
• Joanne Kisiel, Assistant Vice President, Southeast Region, joined MassMutual in 1981, and has more than 25 years of experience in the retirement services business including roles in audit, training, project management, customer service and operations management.
• Eric Leverson, Assistant Vice President, Northeast Region, has more than 18 years of experience in plan administration, compliance and relationship management roles. He joined MassMutual in 1995.
• Una Morabito, Assistant Vice President, Midwest Region, brings more than 16 years of experience in the retirement services business to her new role, including relationship management, account management, and overseeing MassMutual’s nonqualified compensation business. She joined MassMutual in 1996.
• Tracy Tierney-Clifford, Assistant Vice President, West/Southwest Regions, joined MassMutual last November from Putnam Investments where she led the relationship management team supporting the Western Region.

•••••

Field Eddy & Bulkley Inc. announced the appointment of Daniel A. Britt as an Account Executive for Commercial Lines. He is responsible for providing risk assessment and analysis to the company’s business clients and prospects as well as finding appropriate coverage to meet their specific needs.

Sections Supplements
NLRB Rules that Employers Can Restrict Union Use of Company E-mail

In a decision that impacts both unionized and non-unionized employers, the National Labor Relations Board ruled late last year that employers who restrict employee use of their E-mail system to business-related purposes do not violate federal labor law.

The case involved an Oregon-based newspaper publisher, the Register Guard, which had a computer and information system in place since 1996, and provided computers and/or E-mail access to most of its 150 employees. Like many other employers, Register Guard adopted a communications systems policy (CSP) that specifically provided that “communications systems are not to be used to solicit or proselytize for commercial ventures, religious or political causes, outside organizations, or other non-job-related solicitations.”

Although a violation of the CSP could lead to discipline up to and including termination, Register Guard did not regularly enforce the CSP against employees, and even managers, for sending E-mails over its system regarding parties, jokes, breaks, community events, sporting events, births, or solicitations for the United Way.

In 2001, the union challenged Register Guard’s CSP as unlawful under the National Labor Relations Act. The union argued that the communications system was a “work area,” and as such, Register Guard could only restrict employees’ use of it during “working time.” Register Guard, however, argued that its communications system was company property, like its bulletin boards, telephones, and televisions, and, thus, it had the right to limit employee use of it to business purposes.

The union also claimed that Register Guard discriminatorily enforced its CSP against union activity because it disciplined employees for sending union-related E-mails while it allowed employees to send other non-business-related E-mails without punishment.

The board concluded that Register Guard’s CSP was lawful because its communications system was company property and not a work area. The CSP also served another “legitimate business interest,” according to the board, in preserving server space, protecting against viruses, and avoiding liability for inappropriate E-mails. The board found that the CSP did not “entirely deprive” employees of their ability to exercise their rights under the act to communicate amongst themselves about the terms and conditions of their employment. Even if E-mail activity on that topic was restricted, employees retained the ability to engage in face-to-face communication.

Having found the terms of the CSP lawful, the board then considered whether Register Guard had discriminatorily enforced the CSP. In the past, the board has generally found discriminatory enforcement where, for example, an employer prohibited employees from using its property for union-related purposes but then allowed employees to use its property for non-work related purposes. A classic example of this would have been allowing employees to post personal notices on a bulletin board, such as a car for sale or a wedding announcement, but then prohibiting union-related postings on the same bulletin board.

In this case, however, the board abandoned that approach and decided that discrimination under the act exists only where an employer draws a distinction along union-related lines. The board explained its new discrimination rule as “unequal treatment among equals.” It further explained it as “disparate treatment of activities or communications of a similar character because of their union … status.” Some examples include:

  • Permitting employees to use E-mail to solicit for one union but not another; or
  • Permitting solicitation by anti-union employees but not by pro-union employees.

The board’s new approach to discrimination under the act may not outlast the terms of three members of the majority, and it may not even survive an appeal. Two board members dissented “in the strongest possible terms,” claiming that the majority overruled very settled law.

E-mail has become an indispensable communication tool in the American workplace because it is so quick and effective. With just a click of a button, you can contact someone, whether across the hall or across the country. For this very reason, it is a coveted way for unions to communicate with prospective and current members.

Unions are acutely aware that cyberspace is an effective medium with which to recruit and retain members.

This decision will be upsetting to unions, which will undoubtedly mobilize their resources to overturn it in the courts and in the political arena. For this reason, employers may want to think twice before changing their electronic communications policies to reflect this decision. Chances are this is not the last word on this issue.

Tim Murphy and Tim Cavazza are partners with the Springfield-based firm Skoler, Abbott & Presser, P.C.; (413) 737-4753;www.skoler-abbott.com

Sections Supplements
A Guide to Effective Contract Administration

In the ordinary course of business, a company will enter into many contracts. If the company is not careful, some of the commitments made in its contracts may expose it to unexpected liability. Unfortunately, there are many cases where an organization inadvertently has been forced to incur great expense or become subject to competitive disadvantage because of its failure to pay attention to the details in its contracts.

Such contracts arise in various ways. Contractual commitments are made when a company’s products or services are sold, directly or through sales networks, or when supplies and services are purchased. Contracts can be verbal or written. There are some types of agreements that can be repeatedly encountered by a company, such as nondisclosure agreements, that are intended to protect proprietary information owned by the company or by others with whom it does business, purchase orders, quotes and sales forms, and agreements with key employees. There are also non-routine contracts such as leases of commercial space; agreements for the purchase, leasing, or licensing of significant business assets; collective bargaining agreements; and insurance and financing agreements.

Contract administration is a form of risk control, no less important to a company than having appropriate insurance coverage. Companies that protect themselves through disciplined contract-management programs can also position themselves to take advantage of valuable opportunities. There are several goals of an effective contract-administration program:

  • First, a company should avoid undertaking responsibility for inappropriate risks;
  • Second, it should ensure that its internal policies are consistently reflected in its contracts. Some examples of this include maintaining consistent warranties, or warranty limitations, on products or services sold; maintaining consistent protection of trade secrets and other intellectual property; and having contractual provisions that support a company’s revenue-recognition policies and goals;
  • Third, a company should avoid entering into conflicting contractual commitments. Examples include inconsistent exclusivity commitments in licenses, distributor or sales representative agreements, or commitments that conflict with covenants previously made in institutional financing documents;
  • Fourth, a company should monitor its contracts as part of its internal controls over risk and corporate reporting; and
  • Finally, management should have easy access — for reporting, transactional, and other purposes — to information concerning currently effective contracts and the contents of those contracts.

The first step is to identify, within the organization, where and by whom contractual commitments are made, and then to develop appropriate controls. In a typical organization, for example, the purchasing department may issue purchase orders or accept quotes from vendors. Sales personnel may accept purchase orders or otherwise enter into contracts to sell, lease, or license the company’s products and services, and may enter into contracts to sell through various distribution channels.

The human resources department may enter into agreements with employees. Throughout the company, managers may be asked by third parties to sign, or ask others to sign, nondisclosure agreements for various purposes.
Effective controls include:

  • Identifying those significant contracts that must be reviewed and approved by persons familiar with important company policies. This may include legal review of contracts presented to the company, which may create special risk;
  • Making sure that those managers in each department, who sign off on contracts, are familiar with the company’s policies affecting contractual matters and watch for inappropriate risks;
  • Limiting signature authority to certain officers;
  • Developing standard forms to use for routine agreements (for example, sale agreements, quotes, purchase orders) that contain terms that are friendly to the organization;
  • Developing an approach to identify contract issues that need special attention, and a process to quickly resolve those issues. This is probably one of the most difficult parts of the management process because it usually requires prompt response by various team members, including legal advisors, and a constructive approach to getting to a final agreement, in order to avoid a slowdown in operations; and
  • Finally, effective contract management includes keeping readily accessible records of all the organization’s contracts, and implementing a system to monitor key contract dates and other features. These dates may include deadlines to exercise options such as extension or renewal options, options for price increases, or reminders to begin renegotiations for new contracts (e.g., real estate leases) where significant work is required in advance of the contract expiration date.

What follows are some common types of contracts, and areas of concern where a company should be careful in managing such contracts:

Nondisclosure Agreements

Most organizations have trade secrets and other sensitive information to protect, whether it consists of customer details, formulae, pricing information, designs, or other intellectual property. It is important, especially in order to preserve the trade secret status of such information, for an organization to have a form of nondisclosure agreement that can be used with vendors, business partners, employees, and others who would be given access to such information.

The company’s attorney can help develop an appropriate form. If a company manager is presented with a nondisclosure agreement from a third party with whom the company does business, the manager should be sensitive to avoid signing any agreement that is overly broad in identifying what information must be restricted or that contains non-competition, non-solicitation, or other restrictions that are excessive, inappropriate, or irrelevant to the purpose of the nondisclosure agreement.

Agreements with Employees

Many organizations enter into employment agreements with key management and sales personnel, not only to avoid misunderstandings about duties, compensation, benefits, and other terms of employment, but also to protect against misuse of important company information to which the employee would have access, or to ensure that the company gets the benefit of any intellectual property developed by the employee.

Agreements with employees to consider in this regard include, where appropriate, agreements:

  • not to disclose or misuse company confidential or proprietary information, or such information received from others with whom the company does business;
  • not to solicit a company’s customers or employees, or not to compete; and
  • to assign to the company any intellectual property created during the course of employment.

Under Massachusetts law, covenants not to compete are recognized to the extent they are necessary to protect legitimate company interests such as trade secrets. If an employee in Massachusetts has a covenant not to compete, it is important to consider executing a new non-competition agreement if the employee is promoted or changes job functions.

Note that the laws of other states, regarding covenants not to compete, are not always the same as in Massachusetts. In some states, noncompetition agreements with employees are unenforceable, or are enforceable only under certain conditions that need to be considered in preparing the agreement. Therefore, it is worth checking the status of the applicable laws for employees outside of Massachusetts.

Agreements for the Sale and Purchase of Products and Services

These agreements frequently arise from an exchange of preprinted forms such as requests for quotation, quotations, purchase orders and acknowledgments of purchase orders. These forms may be exchanged when an organization sells, leases, or licenses its products and services, or when it purchases products or services from vendors.

The documents that are exchanged often are not signed, contain conflicting terms between the seller’s document and the purchaser’s document, or are not reviewed by the receiving party before the contract is performed.

Under the Uniform Commercial Code provisions that have been enacted in Massachusetts and in other states, a contract for the sale or purchase of products can arise even if the forms exchanged by the parties differ from one another. What terms becomes part of the contract depends on timing and the language of the parties’ respective forms. Problems can arise, for example, when goods or services are not timely delivered, are defective, or cause injury or damage.

This is an area where an organization can be proactive and develop the most advantageous forms, and impose process controls, to ensure that its terms become part of the final contract. In significant situations, it may be better to have a master sale agreement, signed by both parties, that applies to all sales to an important customer, or purchases from an important vendor, over a particular term. Such an agreement would address price, delivery, volume commitment, warranty, liability limitation, intellectual property, and other sale issues.

Warranties

Well-drawn warranties, and related limitations on a seller’s obligations for claims relating to defective products and services, will help control the company’s exposure to potentially unlimited consequences from the sale of its products or services.

The matters that must be included in a warranty, those persons who have the benefit of the warranty, and the extent to which a seller can limit its liabilities are largely addressed by various state and federal laws. In particular, these include the Uniform Commercial Code provisions in effect in Massachusetts and other states, and the Federal Magnuson-Moss Warranty Act, which governs the contents of consumer product warranties.

Product Distribution

Companies that contract to use distribution and sales networks may have several sales representative and distributor agreements in place, some of which may offer exclusivity arrangements to representatives or distributors. Any exclusivity commitments should be well-defined and consistent with the company’s plans to sell its products or services directly or through all sales channels. There are also limits imposed by the antitrust and other laws that affect permissible arrangements that can be made relating to exclusivity and pricing.

Many states, including Massachusetts, also have statutes that address agreements with sales representatives and their termination. Many countries outside of the U.S. have strict dealer protection laws that make it more difficult or expensive to terminate a dealer or distributor than might be the case in the U.S., even if the contract provides otherwise. Experienced business counsel can advise about the applicable limitations in any particular situation.

Conclusion

In conclusion, an effective contract administration program will minimize the risk of expensive and inadvertent contractual commitments. Such a program can ensure that a company’s policies and best interests are consistently reflected in its contractual positions, and that unusual risks are considered and addressed before a contract is signed.

David Parke is a partner with the law firm of Bulkley, Richardson and Gelinas, LLP, specializing in business and corporate matters; (413) 781-2820.

Sections Supplements
Estate Planning Considerations for the Baby Boomer/Sandwich Generation

Sociologists and the media define the Baby Boom generation as those born in the United States between 1946 and 1964. Approximately 76 million people were born during this timeframe and grew up during one of the most prosperous and sustained economic-growth periods in this country’s history. This generation has enjoyed a considerably higher standard of living than any previous one.

 Of them, an estimated 16 million find themselves sandwiched between two generations, struggling to raise their children while caring for an aging loved one. These Americans are commonly referred to as the ‘sandwich generation,’ and they are especially stressed over the combination of caring for aging parents, raising their children, and planning for their own retirement.

 At roughly 28%, Baby Boomers represent a disproportionately large segment of the U.S. population. They require careful estate-planning considerations due to the wealth they have accumulated. Additional consideration must be given to the wealth they will or have inherited from their parents and the long-term care required by both themselves and their parents.

 Charles Sabatino, the assistant director of the American Bar Association’s Commission on Legal Problems of the Elderly, has noted that Baby Boomers display three generational characteristics.

  1. They tend to be better educated, more insistent on doing things their own way, less trusting of traditional authority, and demanding of more convenience and service;
  2. Their estates are more complicated, diverse, and geographically far-flung due to the growth in investment products and increased job mobility; and
  3. They will likely experience more career changes, more marriages, more non-traditional family affinities, and a more fluid mixing of educational, retirement, and work cycles.

 Therefore, it is imperative that Baby Boomers review their estate-planning documents frequently and at every life change and stage. This includes birth of grandchildren, marriage, and divorce of children and other circumstances like a child with a substance abuse habit or a pattern of irresponsible spending, etc.

 One of the most pressing concerns that face Baby Boomers, and especially the sandwich generation, is the financing of long-term care for themselves and their parents.

Many Baby Boomers have witnessed someone close to them go through a nursing home care stay and its drain on their savings. Baby Boomers are increasingly taking steps to preserve their assets and prevent becoming a burden on their own children. The available options include private payment, Medicare, Medicaid, and long-term care insurance.

  • Private payment is generally the first line of defense for health care expenses. Most people only become acutely aware of how expensive health care services are when they start paying for them out of their own checkbook. In Massachusetts, the monthly cost of nursing home care is approximately $7,700. This expense alone can quickly evaporate a lifetime of savings and significantly limit the amount passed to designated heirs.
  • Medicare is the federal government-run health insurance program for those over age 65. It provides coverage for hospital and doctor expenses and covers health care and hospice service when ordered by a doctor. It pays for short-term skilled nursing, such as recovery after a hospital stay or surgery. However, Medicare does not cover all medical expenses or most long-term care.
  • Medicaid is a federal/state program designed to provide health care to the medically and financially needy. The key eligibility requirement is that you must have very limited financial resources and income. Medicaid benefits are not available until the countable assets of a married couple are less than $103,640, or less than $2,000 for singles.

 Medicaid planning or asset-preservation planning can be accomplished by properly transferring assets in accordance with complicated Medicaid laws, which include a specific look-back period on all assets and income.

 Upon the enactment of The Deficit Reduction Act of 2005, Medicaid increased the look-back period for asset transfers and financial information prior to the date of application for Medicaid benefits from three years to five years. This is the time period during which a person may not transfer assets and still be eligible for Medicaid.

 Under the new law, the penalty period for gifts made within the five-year look-back period will not apply until the date on which the applicant is otherwise ineligible for Medicaid benefits, which is often the time when the applicant enters a nursing home. An applicant who has transferred any asset for less than fair market value, i.e. a gift, will be disqualified from receiving Medicaid benefits for a period of months equal to the sum of the amount of the transfer divided by the average monthly cost of nursing home care, approximately $7,700.

 Unlike Medicare, which everyone over age 65 receives, Medicaid requires an application for benefits.

 Long-term care insurance is a better means to plan for a nursing home stay. This can provide the financial resources for skilled nursing care or the means to stay at home when illness leaves an individual debilitated. It will also pay a daily benefit toward the cost of long-term care. A person must be insurable in order to be eligible to purchase long-term care insurance. This is dependent upon the absence of certain medical conditions.

 Every Baby Boomer, regardless of his or her financial status, should have a customized estate plan. At the very least, their estate plan should include a will, durable power of attorney, and a health care proxy. Revocable trusts should also be explored to keep assets out of probate and to offer significant estate tax relief. In the event that a financial plan includes life insurance, one may also wish to explore an irrevocable life insurance trust, which helps protect life insurance assets from estate tax.

When it comes to the topic of inheritances, many Baby Boomers say that money is not everything. On the contrary, many of them say their parents’ personal items are often as or more important to them than the oft-publicized trillions of dollars Boomers are anticipated to inherit.

To address this, a memorandum may be executed in conjunction with your parents’ or your own will. This is a list of personal property, and it can provide for the property’s distribution among your family members or other individuals. Although this document does not create a legal or equitable obligation, as it is not offered for probate as part of your parents’ will, it does express their intent. Since desires regarding the transition of personal keepsakes are often not communicated to heirs, a memorandum can hopefully eliminate disputes between heirs regarding intent as to who should inherit these personal items.

Those within the sandwich generation must also concern themselves with the disposition of their parents’ financial matters; however, discussing personal finances is taboo in many families. Perhaps another approach could be to ask your aging parents how they hope to live out the rest of their lives, their dreams and goals, and their worries and concerns prior to discussing more sensitive issues like money, estate planning, and their health and welfare.

If you are unable to get through to your aging parents, you may suggest that they talk to their legal or financial advisor about their future. Planning to preserve your aging parents’ hard-earned accumulated assets for the sake of your children and future generations is not improper. Estate planning not only preserves wealth for succeeding generations, it also gives your aging parent satisfaction and peace of mind.

It is also a good idea to work with your parents to prepare a record of essential financial, legal, and medical information. Specifically, you want to include information regarding bank accounts, investment holdings, insurance policy numbers, company names, estate planning documents, and professional financial advisors.

Additional concerns of the sandwich generation include funding college savings, contributing to a son or daughter’s wedding or other life expenses, and paying for nursing home care for an elderly parent, all the while saving for retirement. You may wish to research a 529 Plan for your children or grandchildren. This is an education savings plan operated by a state or educational institution and designed to help families set aside funds for future college costs. As long as the plan satisfies a few basic requirements, you will enjoy special tax benefits.

America’s population is aging, and the Baby Boomers and the sandwich generation have unique characteristics that will require specialized estate planning even if their estates seem straightforward. By planning ahead, they can protect their assets and assist their aging parents in accomplishing the same. Due to the ever-changing and intricate laws and requirements regarding estate planning, experienced estate attorneys are the best resource for determining how to effectively preserve your family’s resources.

Todd C. Ratner is an estate planning, business, and real estate attorney with the Springfield law firm Bacon & Wilson, P.C.; (413) 781-0560;[email protected]

Departments

University Without Walls

Feb. 2, 12, 23: University Without Walls (UWW), an adult bachelor’s degree completion program at UMass Amherst, is conducting information sessions this winter for individuals interested in applying. Classes are offered on campus, online, and in blended format (mostly online, with a few live meetings). Information sessions run approximately 90 minutes and are conducted at the UWW office, 100 Venture Way, Room 229A, Hadley. For more information on dates and times, visit www.umass.edu/uww or call (413) 545-1378.

Camera Classes

Jan. 23, 30, Feb. 6: Iris Photo & Digital of Northampton will offer several digital point-and-shoot camera classes this winter, including “Intermediate Camera Class” on Jan. 23, “Advanced Camera Class” on Jan. 30, and “Basic Photo Editing Class” on Feb. 6. Classes run from 6:30 to 9:30 p.m. at the shop at 164 Main St. For more information, call (413) 586-8417 or visit www.iris-photo.com.

De-clutter Workshops

Jan. 24, 28, 29, 30: Professional organizer Carleen Eve Fisher Hoffman, also known as ‘The Clutter Doctor,’ has teamed up with two financial services professionals from Charter Oak Insurance and Financial Services, Ann Sapelli and Judith Luddy, to host free seminars titled “Organize Your Financial Fitness: Uncover Your Assets and Improve Your Bottom Line.” Participants will learn various methodologies for organizing their financial papers and documents. Sessions are planned Jan. 24 at the Palmer Library; Jan. 28, Monson Library; Jan. 29, Belchertown Library; and Jan. 30, Northampton Library. All sessions are planned from 6 to 7 p.m. For more information, call (413) 525-7345.

Lessons from the Real Pepsi Challenge

Jan. 29: Stephanie Capparell, a journalist, author, and filmmaker based in New York City, will present “Innovation & Diversity: Lessons from the Real Pepsi Challenge” at noon as part of the Western New England College Law & Business Center for Advancing Entrepreneurship’s speaker series. Her most recent book, The Real Pepsi Challenge: The Inspirational Story of Breaking the Color Barrier in American Business, is a case study of Pepsi-Cola’s groundbreaking all-black sales division (1940-1951), and tells the story of some of the first African-Americans in corporate America. Her lecture is planned in S. Prestley Blake Law Center on the Springfield campus, and is free and open to the public. For more information, call (413) 736-8462 or visit www.law.wnec.edu/lawandbusiness.

Clio Awards

Jan. 30: The Ad Club of Western Massachusetts will screen the 2007 Clio Award winners from 11:30 a.m. to 1:30 p.m. in Rivers Memorial at Western New England College, Springfield, as part of a luncheon affair. Reservations must be made by Jan. 25. Tickets are $25 for members; $35 for future members, and $15 for students. For more information, call (413) 736-2582 or visit www.adclubwm.org.

Amherst Chamber Luncheon

Jan. 31: Interim UMass Chancellor Thomas W. Cole Jr. and UMass President Jack Wilson will address the Amherst Area Chamber of Commerce at a luncheon from 12 to 1:30 p.m. at the Courtyard by Marriott. The event is open to the public, but reservations are required by calling (413) 253-0700 or E-mailing [email protected]. Tickets are $25 per person.

‘Outlook 2008’

Feb. 1: The Affiliated Chambers of Commerce of Greater Springfield will present “Outlook 2008” with keynote speaker John Zogby, a national pollster and political analyst, from 11:45 a.m. to 1:30 p.m. at Chez Josef in Agawam. In addition to Zogby’s presentation, Holyoke Mayor Michael Sullivan will present the regional outlook as the District One representative of the Mass. Mayors’ Assoc. Tickets are $45 per person and $65 for nonmembers. For more information, contact Diane Swanson, events manager, at (413) 787-1555, or visit www.myonlinechamber.com.

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

FRANKLIN SUPERIOR COURT

Francis Cassidy v. Stop & Shop Supermarket, LLC
Allegation: Negligent property maintenance causing injury: $42,115.85
Filed: 12/17/07

Lake Hitchcock Development v. Blue Heron Realty
Allegation: Breach of contract: $40,000
Filed: 12/11/07

HAMPSHIRE SUPERIOR COURT

Godwin Pumps of America Inc. v. Hydross, LLC
Allegation: Breach of contract: $46,077.82
Filed: 12/7/07

HAMPDEN SUPERIOR COURT

John C. Manni v. Eastern States Exposition & Equine Affaire Inc.
Allegation: Negligent property maintenance causing injury: $49,250
Filed: 11/4/07

Hampden Zimmerman Electrical Supply v. MDR Electric Inc.
Allegation: Unpaid balance for goods and services sold: $188,463.45
Filed: 10/30/07

Michael Alan Crooker v. Con Agra Foods Inc.
Allegation: Product liability causing injury: $100,000
Filed: 10/23/07

HOLYOKE DISTRICT COURT
Emily Belanger, Paul Belanger Jr., as parent and legal guardian of Emily Belanger v. David Quail Trucking
Allegation: Negligence while operating motor vehicle: $6,458.83
Filed: 11/14/07

Fred S. Kania v. AT&T

Allegation: Failure to follow regulations of Department of Telecommunications: $5,000
Filed: 11/21/07

NORTHAMPTON DISTRICT COURT

Pantea Azari v. Cars “R” Us
Allegation: Breach of contract, fraud, and violation of Mass. General Laws 93A: $10,000+
Filed: 12/5/07

Stanley Ciszewski v. Patriot Home Improvement
Allegation: Unfair and deceptive practices: $25,000
Filed: 12/3/07

PALMER DISTRICT COURT

PDQ Billing Services v. Springfield Optometric Associates Inc.
Allegation: Non-payment of services rendered: $10,224.77
Filed: 11/29/07

Thomas M. Ferris v. Romito & Sons Inc.
Allegation: Negligent maintenance of property causing injury: $3,600
Filed: 11/20/07

SPRINGFIELD DISTRICT COURT

A. Boillard & Sons Inc. v. Advoulos Builders Inc.
Allegation: Unpaid goods sold and delivered: $30,405.41
Filed: 11/14/07

Bradco Supply Corp. v. New Castle Development Corp.
Allegation: Failure to pay for goods sold and delivered: $4,186
Filed: 11/5/07

Brewers Supply Group Inc. v. The Paper City Brewery Company
Allegation: Unpaid goods sold and delivered: $3,937.10
Filed: 11/16/07

Citadel Broadcasting Company v. Alycat Inc. d/b/a Diamond & Gold Connection
Allegation: Unpaid services rendered: $9,975.00
Filed: 11/7/07

ComData Network Inc. v. VK Transport Inc.
Allegation: unpaid services rendered: $25,812.50
Filed: 11/8/07

FedEx Customer Information Services v. BelAir Motel
Allegation: Unpaid transportation services rendered: $6,820.83
Filed: 11/15/07

Lambert Plumbing & Heating Inc. v. CDE Remodeling
Allegation: Unpaid balance on goods sold and delivered and plumbing services: $11,530.53
Filed: 11/20/07

Martindale-Hubbell Inc. v. George F. Kelley
Allegation: Failure to pay for services rendered: $8,190.00
Filed: 11/5/07

Mariluz Vargas v. Lia Kia
Allegation: Breach of sales contract: $24,999.99
Filed: 11/14/07

United Rentals Inc. v. All State Construction Services
Allegation: Non-payment of materials, equipment, and construction services: $16,723.03
Filed: 11/20/07

Cover Story
Area banks continue to branch out
January 21, 2008 Cover

January 21, 2008 Cover

It wasn’t too long ago that financial analysts were predicting a serious decline in the number of bank branches nationwide. But electronic banking, while popular, has done little to deter banks from sprouting branches on seemingly every thoroughfare in Western Mass. It’s a national trend, and one that shows little signs of slowing — although some argue that it’s more difficult than ever for a new branch to become profitable.

Drive down any well-traveled, retail-heavy road in the Pioneer Valley, and chances are you’ll have plenty of opportunities to grab some cash at an ATM. Picking up some groceries at Stop & Shop or a pair of pants at Wal-Mart? You can bank there, too.

If ribbon cuttings are starting to feel, well, a little less newsworthy, you’re not imagining it. According to the Mass. Bankers Assoc. (MBA), the number of bank branches in the Bay State has increased 20% over the past 20 years, to more than 2,200 — and rising. The group says banks are the second-leading employer in Massachusetts, behind only health care.

“Some may think, ‘there’s a lot of banks here,’” Bruce Spitzer, a spokesman for the MBA, told the Boston Globe recently. “That’s because there’s a demand.”

Easthampton Savings Bank President William Hogan, whose institution has seven branches in eight communities, said that, from a physical standpoint, Western Mass. has seemingly become overbanked over the last three or four years. “And there are plans for additional branching that have been announced, including the new startup bank in Springfield, Nuvo. On the face of it, you’d have to come to the conclusion that the region has a sufficient number of banks.”

However, he was quick to add, “from a banker’s perspective, there’s a necessity of having a certain number of bricks-and-mortar branches that your customers can find, through which they can do business with you.”

There has definitely been a proliferation of bank branches, nationally and in this region, said David Glidden, regional president of TD Banknorth, which boasts some 30 branches in Western Mass. “And it does affect the competitive landscape and makes it more difficult to differentiate yourself. We all try to do it through extended hours of service, those types of things.”

Some bank presidents have said they sometimes feel pressure to expand their footprint just to keep up with their competitors, but Glidden said there’s always a risk in expansion, because a new branch in such a densely packed field is not the slam-dunk moneymaker it was 20 years ago.

“The real issue is, how do you find profitability? It’s increasingly elusive when you open up a branch, and these branches now opening do not achieve the level of deposits they used to,” he told BusinessWest. “You don’t just build a branch and expect that it’ll quickly turn profitable, when you look across the street and see five other branches.”

That’s why it’s important, he continued, that banks have a strategy for branching out that extends beyond simply having a presence in a new location.

“People don’t change banks easily, and market share shifts more slowly today,” he continued. “You have to offer products and rates on deposits and loans that are maybe more aggressive than other banks, to eat into already-established markets.”

In other words, to think outside the box — while bumping into all the other new boxes. In this issue, BusinessWest examines the overbranching situation, what banks are looking for when they expand, and where the trend might go from here.

National News

It’s not just Massachusetts seeing this increased density. Chicago has witnessed a staggering 50% increase in branches over the past five years, while Manhattan has seen a 41% rise, Washington, D.C. a 20% jump, and Los Angeles a comparatively modest 10% climb. The Washington Post reported that one Chicago alderman became so alarmed by the proliferation that she drafted a law requiring that banks obtain permits to open within 600 feet of one another.

In fact, virtually every major city in the U.S. reports at least some increase in the number of branches, contributing to a total rise of 13% nationally since 2002. It’s not a trend that pleases everyone.

“There’s really nothing less fun or interesting that could populate your retail corridor than a bank branch,” wrote Matthew Yglesias, a popular D.C.-based blogger and Atlantic Monthly staff writer, who added that the underlying dynamics of the branch boom — and particularly reports that customers crave face-to-face contact — escape him, particularly given the expense involved in opening a branch.

“What is the personal contact that people are looking for?” he wrote. “I go into a bank about once a month to deposit rent checks that my roommates write me. Were I not the designated writer of the check that goes to the landlord every month, or had I no roommates, I don’t think I would ever go. My intuition is that the real story here has something to do with the semi-mysterious fact that one almost never sees a bank-affiliated ATM without it being co-located with an actual branch of the bank.”

This tendency toward more locations represents a significant shift in banking. During the 1990s, most larger players were shedding branches, encouraging more use of ATMs and telephone banking, and laying the groundwork for Internet banking, which many analysts felt would ring the death knell on many more branches.

Wade Francis, president of Unicon Financial Services, a Long Beach, Calif.-based banking consultancy, recently told the Los Angeles Business Journal that theories were rife only 10 years ago that electronic banking would contribute to a serious decline in physical branches. “But people still want to go to their local branch, and if you want to be a successful retail banking operation, you’ve got to focus on the branch,” he said.

Part of what has happened is banks recognizing the value of providing one-stop financial services for customers. While checking accounts generate significant fee revenues, banks are prodding their retail customers toward other services, from car and home loans to a range of investment services — all of which is easier to accomplish through a face-to-face relationship.

Plugged In

Still, said Hogan, banks are continuing to develop their electronic-banking services, “because the pace of growth in that arena is far exceeding that in the traditional bank building.”

Hogan said virtually all banks are coming to recognize the increasing importance that customers, particularly younger ones, place on electronic banking. In fact, those with direct deposit of their paychecks and a full range of bill-paying options online might rarely need any services at a physical location beyond an ATM for cash withdrawals, a trend that gives institutions a way to reach customers who might not live or work near an actual branch.

“A lot of what we’re doing is focusing on the alternative opportunities and means by which customers can contact and stay in touch with banks,” he explained. “That’s an area where we’ve seen tremendous growth over the past three years.”

Alice Babcock, vice president of marketing for Westfield Bank, which has 11 branches in seven area communities, concurred. “We’ve found that our customers want both options, and you have to be in a position to offer both,” she said, adding that those in the 18-to-30 age group tend to be most comfortable conducting transactions and paying bills at their computer screens.

Yet, Westfield Bank’s most innovative change recently has also been one of the lowest-tech shifts: Sunday hours at its newest branch on East Main Street in Westfield. James Hagan, the bank’s president, said the change was so successful that the branch wound up opening its doors an hour earlier in the day.

“Young people have become accustomed to doing things in the electronic format, and you have to have that convenience available, but we still have to provide a certain level of service in the bricks-and-mortar branches,” said Babcock. “In both cases, we’re trying to determine what our customers expect in a community bank, and provide that for them.”

Glidden said Banknorth has seen steadily increasing use of electronic banking, “which we’re very pleased about, because it’s been a conscious strategy.” But he pointed to users of Apple products, asking, “who’s more techie than that?” Yet, the computer giant now boasts 180 retail locations that generate $1 billion in revenue per year.

“Although some people think members of Generation Y will never walk into a branch bank, we still find that the branches play a critical role,” he continued. “When the need arises to go into a branch, people will still gravitate toward a convenient, well-placed branch they feel comfortable with, not far from their residence or place of work.”

Past Is Prologue

Unlike a decade ago, hardly anyone today is pointing to the imminent demise of the traditional bank branch.

“These electronic platforms — electronic bill paying, image presentation for checking accounts, all these things beginning to be seen in our market, are very important for the future,” Easthampton’s Hogan said. “But we need a certain amount of that physical presence out there.”

“Convenience is still important to the retail customer,” Westfield’s Hagan added, “and the branch plays a huge part of that.”

But with so little prime territory unmarked by some institution, Glidden reiterated, it’s critical that banks make the right moves, not just any move.

“When you’re opening a branch, you have to ask, what’s my strategy?” he said. “Do you have integrated delivery channels and an effective sales process to make the branch as profitable as possible? A lot of banks have recently converted to mutual banks, to public charter, and have gone out and raised a lot of capital, and this is one way they’re looking to deploy that capital. But the challenge becomes taking what is, on day one, a non-earning asset and turning it into a profitable location for the company.”

Again, Glidden said, a new storefront is “great for the ribbon cutting, but how are you going to make that a profitable asset, with the money it costs in bricks and mortar and human capital? That will ultimately be the great test. The banks that find a unique way to differentiate themselves and distribute their services in a profitable manner will be the survivors of this proliferation.”

Those are words, many agree, you can take to the bank. If only you could decide which one.

Joseph Bednar can be reached at[email protected]

Departments

Berkshire Hills Announces 300,000-share Repurchase Program

PITTSFIELD — Berkshire Hills Bancorp recently announced a new stock repurchase program that authorizing the company to repurchase up to 300,000 shares, or approximately 2.85% of its outstanding common stock. The repurchases, which will be conducted through open market purchases or privately negotiated purchases, will be made from time to time, subject to market conditions, at the discretion of company management. In addition to this new program, the company has approximately 30,000 shares remaining available for purchase under the previously approved stock repurchase program. The company intends to hold the shares repurchased as treasury shares. The company may use such shares to fund any stock benefit or compensation plan or for any other purpose the Board of Directors deems advisable in compliance with applicable law.

Resort Developer Hires Lobbying Firm

EAST LONGMEADOW — The Northeast Group, owner of a 150-acre-plus tract of land in Palmer off Exit 8 of the Massachusetts Turnpike, has hired The Suffolk Group LLC and lead lobbyist William F. Cass of Boston to represent their interests on Beacon Hill. The Northeast Group also has site control of a 35-acre waterfront tract in New Bedford off Exit 16 of Route 195. Both could be potential sites for a resort casino and retail complex, according to company officials. The Suffolk Group will provide government relations and public affairs services to Northeast as the debate over the future of casinos takes place at the State House. Cass is a former member of the Massachusetts Legislature. In a related development, Northeast has also engaged Paul Robbins Associates Inc. of Wilbraham to assist The Northeast Group in strategic planning and communications regarding the developer’s interests relating to the Palmer and New Bedford properties and their potential as tourist destination sites.

Longmeadow Flowers Marks 50th

LONGMEADOW — Three weeks of celebrations in December marked the 50th anniversary for Longmeadow Flowers. Longmeadow Flowers has two locations, its headquarters at 789 Williams St., and a satellite store at Tower Square in Springfield. Founded in 1957 by Bradford O. Parker Sr., the shop started out with two employees in a small space on Longmeadow Street. In 1961, Bradford O. Parker Jr. bought the business from his father and gradually turned it into a “community pillar,” he noted. Longmeadow Flowers is best known for its fresh flowers, arrangements and unique gift items.

Offer Made For Kittredge Building

SPRINGFIELD — A bid of just over $400,000 from an unidentified bidder has attracted the attention of Sidney Kittredge, George Kittredge and Ruth Webber, owners of the 83,000-square-foot Kittredge Building on East Columbus Avenue. At press time a deal was not finalized for the building that had housed Kittredge Equipment Co. That company recently moved its operations to Bowles Road in Agawam. The recent auction attracted approximately 20 people and four to five active bidders.

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Amanda Wrobel, a minor, by her parents v. Avis Rent-A-Car & Kelley Curson
Allegation: Motor vehicle negligence causing injury: $20,000
Filed: 12/11/07

FRANKLIN SUPERIOR COURT

Karen Markert v. McDermott’s Inc.
Allegation: Motor vehicle negligence: $33,010.41
Filed: 12/19/07

Merrill Wesson v. Dick’s Auto Repair
Allegation: Motor vehicle negligence: $15,130.80
Filed: 12/6/07

HAMPDEN SUPERIOR COURT

Concetta Viviano v. Jewish Geriatric Services Inc.
Allegation: Wage and hour dispute: 50,000
Filed: 11/1/07

International Communications Inc. v. The Log Cabin Banquet & Meeting House
Allegation: Enforcement of previous judgment: $32,243.79
Filed: 11/2/07

Murphy, Hesse, Toomey, & Lehane, LLP v. Jelly Belly Pools & Spas Inc.
Allegation: Motor vehicle negligence: $207,106.73
Filed: 11/2/07

HAMPSHIRE SUPERIOR COURT

Holbrook Lumber Company v. Eastern Lumber & Millwork
Allegation: Non-payment of goods sold and delivered: $29,507.16
Filed: 12/3/07

HOLYOKE DISTRICT COURT

Berkshire Westwood Graphics Group Inc. v. Atlantic Digital Imaging Inc.
Allegation: Non-payment of goods: $8,308.00
Filed: 10/18/07

Broadcast Music Inc. v. Iron Horse Music Hall
Allegation: Default on contract: $3,107.97
Filed: 10/11/07

National Credit Acceptance Inc. v. New England X-ray Supply Inc.
Allegation: Breach of credit contract: $23,048.61
Filed: 11/8/07

NORTHAMPTON DISTRICT COURT

Baker & Taylor Inc. v. Anime Ink
Allegation: Non-payment of goods sold and delivered: $3,569.91
Filed: 12/10/07

PALMER DISTRICT COURT

Kristen Arbour v. Frito-Lay Inc.
Allegation: Defective product causing injury: $4,098.14
Filed: 11/28/07

Sysco Food Services of CT. v. Finn Maccools
Allegation: Non-payment of goods sold and delivered: $3,726.00
Filed: 11/7/07

SPRINGFIELD DISTRICT COURT

Agar Supply Company v. The Bury
Allegation: Unpaid goods sold and delivered: $9,164.47
Filed: 11/27/07

Bernard & Bridgett Barrett v. Manganaro Home Builders
Allegation: Expenses incurred while correcting a defective leach field constructed by defendants: $7,094.50
Filed: 11/19/07

Laura Figueroa, Elda Campos, Ramualdo Perez v. Cumberland Farms Inc.
Allegation: Negligent property maintenance causing injury: $24,000.00
Filed: 12/5/07

Louis Michaelson & Sons Inc. v. S&G Bakery Inc.
Allegation: Breach of contract for produce, dairy, and dried foodstuffs: $27,111.91
Filed: 12/4/07

Louis Michaelson & Sons Inc. v. Sonoma Bar & Grille
Allegation: Breach of contract for produce, dairy, and dried foodstuffs: $6,916.37
Filed: 12/4/07

Louis Michaelson & Sons Inc. v. Let’s Go Bakery, Inc.
Allegation: Breach of contract for purchase of foodstuffs: $15,420.15
Filed: 12/4/07

Sunshine Art Studio, Inc. v. Judith M. Fowler d/b/a Cardsmart
Allegation: Unpaid goods sold and delivered: $9,037.22
Filed: 11/27/07

United Rentals Inc. v. P.V. Construction Corp.
Allegation: Failure to pay for materials, equipment and construction services: $15,355
Filed: 12/5/07

United Rentals, Inc. v. Olympic Painting & Roofing Company
Allegation: Failure to pay for materials, equipment and construction services: $128,027.90
Filed: 12/5/07

Departments

Precision Timing

A $600,000 gift to establish a scholarship fund to train a new workforce for the precision machining industry of Western Mass. was made recently by the family of the late E. Herbert Burk, former senior vice president of Mestek Inc. in Westfield. The fund will be managed by the Community Foundation of Western Mass., and the Hampden County Regional Employment Board (REB) will serve as lead adviser in disseminating these funds to individuals and organizations. The gift was recognized and celebrated last month in Springfield by a group that consisted of several Western Mass. business leaders and economic development representatives. Pictured here, the REB presents members of Burk’s family with an award of recognition. From left to right: Mike Nziolek, senior vice president at Hasbro Games, and chair of the REB; Alfred Materas II, Burk’s son-in-law; Judith Materas and Jacky Yiznitsky, Burk’s daughters; Mass. Secretary of Labor and Workforce Development Suzanne Bump; David Cruise, director of the REB’s precision machining project; and Kent Faerber, director of the Community Foundation of Western Mass.


Insuring for the Future

OneBeacon Insurance recently made a $2,500 donation to the American Red Cross Pioneer Valley Chapter as part of the company’s charitable trust. The gift was presented by OneBeacon executives recently. Left to right: John Scroope, Regional President, OneBeacon; Dean Florian, President, Insurance Center of New England (ICNE); William Trudeau, Jr., Chief Operating Officer, ICNE and newly elected Pioneer Valley Chapter Board President; Brian Cadigan, Business Development Manager, OneBeacon; and Rick Lee, Pioneer Valley Chapter Executive Director.


Upper Crust

The Atrium at Cardinal Drive delivered homemade pies (baked by Chef Mellissa Hathorne) to service professionals in Agawam and surrounding communities. One of the first stops was the Agawam Fire Department, where Judy Bourgeois, director of Community Relations for the Atrium, presented Deputy Fire Chief Michael Mercadante with a pecan pie and Lt. Jim Demming with a pumpkin pie. This was the beginning of two very busy days of deliveries.

Opinion
We Need to Invest in Education

When Gov. Deval Patrick recently filed a $2 billion capital bond bill to finance infrastructure improvements at all 29 of Massachusetts’ public college and universities, he declared it to be an “emergency law,” meaning that it would go into effect immediately upon passage by the Legislature and his signing.

Little did the governor or anyone else know how apropos that designation would be.

A few days after the filing, Salem State College officials made the difficult decision to close that college’s library based on concerns raised over the structural soundness of the 35-year-old building.

As serious as the situation is at Salem State, this capital bill is not just about some falling bricks and cracked mortar. The reality is that our public colleges and university system are being asked to educate the talent for the emerging industries of the new economy in laboratories and classrooms that are sometimes more than 40 years old.

Investment in our public higher education system is long overdue. Massachusetts devotes only 2.8% of its capital expenditures to public higher education, while other states invest 12.5% on average.

At the campus level this pattern of state disinvestment in its public higher education system has resulted in a backlog of more than $5.5 billion in unfunded capital projects and necessitated that campuses tap already-tight operating budgets and increase student charges to pay for deferred maintenance.

At the state level, this pattern has resulted in Massachusetts falling woefully behind its chief economic competitors in supporting its public higher education system. In fiscal 2006, Connecticut invested more than four times what Massachusetts did on the capital needs of its public colleges and university system, North Carolina approximately seven times, and New York nearly eight times.

With two-thirds of our high school graduates who attend college in Massachusetts going to a public institution — up from only 58% a decade ago — our economic future depends on having public colleges and a university with best-in-class labs, equipment, and technology.

Patrick’s bond bill recognizes these competitive implications by emphasizing investments that contribute to the medium to long term competitiveness of our state economy.

The bill would fund new science centers at four Massachusetts state colleges where existing science facilities are 30 to 50 years old. These buildings lack the labs to conduct some of today’s sophisticated experiments in chemistry and biology and the space to meet current equipment, fabrication, and technology needs in physics.

These shortcomings undermine our ability to attract top faculty and retain students interested in science, technology, engineering, and math in Massachusetts. First-rate facilities will promote teaching and learning in these fields, help fill the talent pipeline needed to support regional industries, and meet the demands of our public schools for the finest science and math teachers.

At the state’s 15 community colleges, the bond bill will fund construction of new allied health buildings on four campuses as well as the complete modernization and rehabilitation of science and general academic buildings on most of the remaining campuses. New allied health facilities will strengthen these colleges’ capacity to respond directly to changing workforce needs by enhancing the training of more nurses, medical technicians, and health care professionals — jobs that are in tremendous demand.

The effects of state disinvestment in our public colleges and university are not as visible to the public as lack of investment in our transportation networks, but they are every bit as critical to our long-term competitiveness. As the Legislature considers the bond bill, the question is not whether we can afford to pay for these investments, but whether we can afford not to.

Robert V. Antonucci is president of Fitchburg State College. Terrence A. Gomes is president of Roxbury Community College. This article first appeared in the Boston Globe.

Sections Supplements
Nominees, Please: BusinessWest Readies for Its Second Annual

Entrepreneurs, corporate achievers, community leaders — 40 of the best and brightest young people in Western Mass. came together last year to form BusinessWest’s inaugural Forty Under 40, a group whose collective strength surprised even the winners. We’ll introduce the second Forty Under 40 class this spring — but first we need your help. Nominations are officially open, a panel of judges is being lined up, and we’re looking forward to sharing 40 more inspiring success stories with our readers.

When Erica Walch showed up at last June’s reception to honor BusinessWest’s inaugural Forty Under 40 class, she didn’t know what to expect. But it certainly wasn’t throngs of people gathering to celebrate the best and brightest of the Pioneer Valley’s younger professional set.

“I was amazed to see so many people at the party,” said Walch, the founder of Speak Easy Accent Modification, which helps non-native English speakers achieve more fluent and less heavily accented speech. “I didn’t know it would be such a big deal, and I was shocked to see hundreds of people there.”

But the organizers of the program at BusinessWest weren’t so shocked. The business journal’s editor, George O’Brien, said at the heart of the program is the idea that these are people worth celebrating, and the reception attendance only reinforced that notion.

“We learned that we have a number of bright, young, and talented individuals in Western Mass.,” O’Brien said, “and we learned a lot about these people through interviews that were as enlightening as they were fun.”

BusinessWest is gearing up for more such interviews once the second annual Forty Under 40 class is chosen — a process that begins right now.

Reaching Higher

Walch can testify to the value of being recognized as one of the rising stars on the Western Mass. business scene.

“I got a lot of feedback,” Walch said. “So many people read BusinessWest, and a lot of people told me, ‘I saw you in the Forty Under 40.’ I met a lot of people through that — some of the other winners, and people in the community.”

Sarah Tsitso, another of last year’s honorees, said she felt like she was in “pretty impressive company” when the 2007 list was revealed.

“Even though I’m in that age group, I wasn’t really aware of how many people — and from how many diverse backgrounds — there are in the business community that fit that category,” said Tsitso, who was an editor for Turley Publications at the time.

“Western Mass. is a pretty small world, and there were still so many people I met that I hadn’t known,” she added. “It was a great opportunity to meet many people and learn what kinds of work they do. I was surprised at how many innovative entrepreneurs we have in that age group.”

In fact, the inaugural Forty Under 40 class included men and women from the fields of law, media, finance, education, medicine, retail, and philanthropy, to name a few. A good number started their own companies, using their skills — as in Walch’s and many other cases — to create business opportunities by identifying unmet needs.

“Just to be recognized by the premier business publication in the area was very special, and to attend a first-class reception was something I’ll never forget,” said Tad Tokarz, owner of the Western Mass. Sports Journal and another of the inaugural 40. “It’s nice to see that younger people are starting to take more responsibility and going great things and becoming leaders in the community.”

In fact, all of the 2007 honorees, without exception, are individuals who also serve their communities by sitting on boards, granting time and energy to business groups and nonprofit organizations, or, in a surprising number of cases, working with children. Or perhaps that’s not so surprising, given the caliber of character that typifies these 40 professionals.

That dual success — both in one’s chosen field and in community service — will again be necessary to be considered for the second annual Forty Under 40.

“I think that’s important,” Tokarz said. “These are people who do more than their job; they also give back to Western Mass. and continue to make our community a better place to live.”

Last Year’s 40 under Forty

William M. Bither, III
Atalasoft

Kimberlynn Cartelli
Fathers & Sons

Amy Caruso
MassMutual Financial Group

Denise Cogman
Springfield School Volunteers

Richard Corder
Cooley-Dickinson Hospital

Katherine Pacella Costello
Egan, Flanagan &Cohen, P.C.

A. Rima Dael
Berkshire Bank Foundation of Pioneer Valley

Nino Del Padre
Del Padre Visual Productions

Antonio E. Dos Santos
Robinson Donovan, P.C.

Jake Giessman
Academy Hill School

Jillian Gould
Eastfield Mall

Michael S. Gove
Lyon & Fitzpatrick, LLP

Dena M. Hall
United Bank

James Harrington
Our Town Variety & Liquors

Christy Hedgpeth
Spalding Sports

Francis J. Hoey, III
Tighe & Bond

Amy Jamrog
The Jamrog Group, Northwestern Mutual

Cinda Jones
Cowls Lumber Co.

Paul Kozub
V-1 Vodka

Bob Lowry
Bueno y Sano

G.E. Patrick Leary
Moriarty & Primack, P.C.

Todd Lever
Noble Hospital

Audrey Manring
The Women’s Times

Daniel F. Morrill
Wolf & Company

Joseph M. Pacella
Egan, Flanagan & Cohen, P.C.

Arlene Rodriquez
Springfield Technical Community College-School of Arts

Craig D. Swimm
WMAS 94.7

Sarah Tanner
United Way of Pioneer Valley

Mark A. Tanner
Bacon & Wilson

Michelle Theroux
Child & Family Services of Pioneer Valley Inc.

Tad Tokarz
Western MA Sports Journal

Dan Touhey
Spalding Sports

Sarah Leete Tsitso
Fred Astaire Dance

Michael K. Vann
The Vann Group

Ryan Voiland
Red Fire Farm

Erica Walch
Speak Easy Accent Modification

Catherine West
Meyers Brothers Kalicka, P.C.

Michael W. Zaskey
Zasco Productions, LLC

Edward G. Zemba
Robert Charles Photography

Carin Zinter
The Princeton Review

Learning Experience

O’Brien described last year’s Forty Under 40 compilation as an intense learning experience — on a number of levels. Like the most successful businesses in this region, he said, BusinessWest believes in continuous improvement and constantly looking for better ways to do things.

“We learned a few things about how to stage a program like this,” O’Brien said. “Year one went smoothly, but we knew there were some things that we needed to do better.”

Promotion of the event is one of the items on this list, he explained, adding that the magazine will take some additional steps to ensure that the community is aware of the Forty Under 40 program, and also its mission, timetable, rules, and nuances.

“One thing we learned during year one is that people looking to nominate individuals for this honor have to be thorough and include as much information for the judges as possible,” he said. “Perhaps because this wasn’t thoroughly explained last year, some nomination forms were vague, and others could diplomatically be described as incomplete.”

The roster of judges will also be expanded from three to five, O’Brien said, to handle what will likely be a larger pool of nominations.

“The judges may be aware of some of the people who are being nominated,” he continued, “but they probably don’t know enough to properly weigh their talents and contributions to the community. Those who are nominating individuals can help by including resumes or quick biographical sketches, press clippings, if there are any, and maybe even some testimonials from friends and co-workers.”

Some of the class of 2007 have seen their exposure lead to greater businesses opportunities, while others have moved to completely different challenges. Tsitso, for instance, was recently hired by Fred Astaire Dance Studios as its first national copywriter, working at the company’s Longmeadow headquarters. Forty Under 40, she said, was invaluable in helping her build relationships with people she might not have otherwise met.

Walch agreed, noting that she has seen Speak Easy grow with new contracts, as she also continues her work with groups that promote Springfield as a viable home address for young professionals.

“It’s been a wonderful business networking experience, and I’m very honored to have been a part of it,” said Walch. “And, I already have somebody in mind to nominate when the form comes out.”

That moment has arrived: It’s time to name the next Forty Under 40. Grab a pen.

Joseph Bednar can be reached at[email protected]

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

FRANKLIN SUPERIOR COURT

Katherine M. L. Jones – For the estate of Susan E. Jones v. Seacoast Nursing and Rehabilitation Center
Allegation: Malpractice and wrongful death: $1,000,000+
Filed: 10/31/07

HAMPDEN SUPERIOR COURT

John Clark v. Chez Josef Inc.
Allegation: Injury due to negligent maintenance of piano bench: $21,069.45
Filed: 10/26/07

HAMPSHIRE SUPERIOR COURT

Atlantic Polymers, Inc. v. Hydross, LLC
Allegation: Breach of contract and non-payment of goods sold and delivered: $71,180.18
Filed: 11/21/07

BBS Treated Lumber of New England v. Eastern Lumber & Millwork Inc.
Allegation: Non-payment of goods sold & delivered: $48,015.98
Filed: 11/27/07

Riverside Industries v. The City of Holyoke acting through its Public School Systems
Allegation: Breach of contract: $770,261.75
Filed: 11/07/07

Universal Electric Company v. Anderson Builders Inc. and Basada Realty LLC
Allegation: Failure to pay under the terms of a construction contract: $69,625.21
Filed: 11/23/07

HOLYOKE DISTRICT COURT

Nebraskaland Inc. v. La Segunda Food Corp.
Allegation: Non-payment of goods sold and delivered: $15,384.30
Filed: 10/30/07

NORTHAMPTON DISTRICT COURT

Yankee Printing Group Inc. v. Presstek Inc.
Allegation: Lost business revenue: $6,260.00
Filed: 11/19/07

SPRINGFIELD DISTRICT COURT

Caitlin E. O’Connor v. Agnoli Sign Company
Allegation: Motor vehicle negligence: $14,000.00
Filed: 10/15/07

Ideal Kitchens Home Improvement v. Blake & Associates Inc.
Allegation: Non-payment of goods and services sold: $7,487.00
Filed: 10/12/07

J. Norbert Properties LLC v. J.T. Murray Real Estate
Allegation: Breach of real estate contract: $7,500.00
Filed: 10/24/07

Joseph Wayne Simpson v. Ames Design Inc.
Allegation: Breach of construction contract: $20,000.00
Filed: 10/11/07

WESTFIELD DISTRICT COURT

Erik Jackson v. Liacos Landscaping
Allegation: Improperly installed retaining wall: $2,000.00
Filed: 11/01/07

Departments

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

AMHERST

Depalma Salon Inc., 6 University Dr., Amherst 01002. Felice Depalma, 26 Hatter Hill Road, Medfield 02052. Hairdressing, manicuring, beauty shop, health, and beauty spa business.

CHICOPEE

Craniosacral and Massage Center Inc., 101 East St., Suite 201, Chicopee 01020. Gina Welch, 16 Anniversary St., Springfield 01104. Massage and therapy salon.

EAST LONGMEADOW

Accomplished Associates Inc., 36 Elm St., East Longmeadow 01028. Laura A. Stevens, same. Real estate sales, brokerage and development.

Goprok Ambulance Service Inc., 82 Birch Ave., East Longmeadow 01028. Ibrahim Folorunso, same. Ambulance service (routine and emergency).


HOLYOKE

Currant Group Corp., 4 Open Square Way, Suite 319, Holyoke 01040. Hamenth Swaminathan, same. (Foreign corp; DE) Providing goods and services in the information technology industry.

JAF Carpet Installations Corp., 341 Walnut St., Holyoke 01040. Jose Quizhpe, same. Floor installation.

LONGMEADOW

Belleclaire Holdings Inc., 126 Belleclaire Ave., Longmeadow 01106. Michael J. Barbieri, same. Energy conservation audits, insulation, contracting.

Forest Park Fine Homes Inc., 87 Forest Glen Road, Longmeadow 01106. Leslie Clement, same. Real estate development.

LUDLOW

Santos Family Chiropractic Inc., 239 East St., Ludlow 01056. Helena Santos, 175 Tinkham Road, Springfield 01129. To render chiropratic care and rehabilitation services.

 

 

MONTAGUE

Tibetan Yung Drung Bon Arts Inc., 27 North Leverett Road, Montague 01351. Judy Ellen Marz, same. Retail Tibetan art.

NORTHAMPTON

Legacy Financial Solutions Inc., 10 Coram Farm Road, Northhampton 01532. Sean R. McCann, same. Financial services.

SPRINGFIELD

Latino Radio Broadcasting Network Corp., 190 Commonwealth Ave., Springfield 01108. Guillermo R. Negron, same. Radio and television live performance and agent.

The Law Offices of Daniel D. Kelly Inc., 115 State St., Suite 300, Springfield 01103. Daniel D. Kelly, same. Law office.

Tong Tong Beauty Center Corp., 127 Parkside St., Springfield 01104. Tong
Wang, same. Body work.

WEST SPRINGFIELD

Northeast Consulting Concepts Inc., 680 Westfield St., West Springfield 01089. Susan J. Brenelle, 33 Woodcliff, Westfield 01085. Mortgage services.

WILBRAHAM

Flodesign Wind Turnbine Corp., 380 Main St., Wilbraham 01095. Stanley Kowalsksi, III, same. Engineering, design, manufacture, sale of wind turbines.

Departments

Taking the Oath

On Dec. 7, a total of 66 new lawyers, including 26 Western New England College School of Law graduates, were sworn in during a pair of formal sessions of the Supreme Judicial Court held in School of Law’s Moot Courtroom.

Below, new lawyers are sworn in before Supreme Judicial Court Justice John M. Greaney. At left, Greaney congratulates WNEC School of Law graduate Alyson Krauss of Palmer.


Cutting the Ribbon

City and state dignitaries officially opened Raymour & Flanigan’s newly constructed, 61,500-square-foot, two-story showroom at 895 Riverdale Street in West Springfield, Nov. 30. Doing the honors are, from left, Mickey Grabner, regional sales manager of Raymour & Flanigan; state Rep. James Welch; state Sen. Stephen Buoniconti; Dave Redekas, vice president of Sales for Raymour & Flanigan; Edward Gibson, West Springfield Mayor; Pamela Langlois, West Springfield store manager; Ben Orbach, vice president of Operations of Raymour & Flanigan; Ken Moss, vice president, Real Estate Development for Raymour & Flanigan; Vicky D’Agostino, director of Communications for Raymour & Flanigan; and Linda Neal, regional trainer for Raymour & Flanigan.


Check This Out

Jennifer Gabriel, assistant vice president and Public Affairs officer at TD Banknorth, presents a check for $50,000 to Springfield Technical Community College President Ira Rubenzahl for the college’s major gifts campaign. The largest single contribution made by the bank’s charitable foundation, the gift will assist STCC in maintaining state-of-the-art technology and labs campus-wide.


Branching Out in the Orchard

With an official ribbon-cutting ceremony attended by local political and business leaders, Hampden Bank opened its Indian Orchard office at 187 Main St. on Dec. 12. The facility marks the bank’s eighth full-service office location in Hampden County. Shown at the ceremony are, left to right, Thomas R. Burton, president and CEO of Hampden Bank; Russ Denver, president of the Affiliated Chambers of Commerce of Greater Springfield; Springfield Mayor-elect Domenic Sarno; Susan Craven, president of the Indian Orchard Citizen’s Council; Luis Rivera, assistant manager; and Nicole Dionne, office manager.


Contract Claus

Santa’s best friend at the South Hadley Chamber of Commerce’s’ Holiday Stroll on Dec. 7 was Bill Schenker, who greeted more than 200 youngsters and heard their Christmas wishes. The Michael E. Smith Middle School Singers led by Marilyn Steele serenaded the crowd with holiday songs, along with five other musical groups.

Sections Supplements
Often, It’s a Matter of Finding the Passion and Motivation to Do the Job

“I’ll do it tomorrow.”

“There’s really no rush to get this done, so it can wait another week.”

“This task isn’t that important anyway; it’ll get done when I find the time.”

All these statements are signs of procrastination. How many do you find yourself muttering on a regular basis?

While everyone procrastinates from time to time — whether it’s completing a work project or cleaning the garage — too much procrastination in your life can derail even the best-laid plans.

Procrastination occurs for a number of reasons and in varying degrees. The most prevalent reasons for procrastination are: 1) unanswered questions about the task, 2) unresolved fears about doing the task, and 3) insufficient motivation to take on something new. All of these reasons are internal, and really have nothing to do with the task itself; they all relate to something the person has to resolve within himself or herself.

So if you have a few unfinished projects looming over your head and can’t seem to muster the initiative to get them done, put the following procrastination-busting tips into play today.

Find your Passion

If you’re passionate about something, you don’t need an outside motivator to get it done, nor do you fear the task or have unresolved questions about it. So the big question is, how do you find your passion? There are actually two routes to take for identifying your passion: either it’s some aspect of the work you already do, or it’s something close to your heart. Keep in mind that for either of these options, your passion doesn’t have to be something you’re good at; it just has to be something meaningful to you — something that gets you excited to get out of bed in the morning. Once you can unlock the passion for something, you’ll find the procrastination disappears.

But what if you’re stuck in a situation or job you’re not passionate about but fear leaving due to financial or other constraints? How can you beat procrastination under those circumstances? Remember … life is too short to be in a situation you don’t like. First consider talking to your supervisor about new opportunities you can take on within your current position. Chances are, you once found passion in your current job, but maybe your responsibilities have become mundane or repetitive and you have lost some of that passion. Taking on new responsibilities will rejuvenate the passion you once felt. Also, you could consider making a lateral move to remain loyal to your current company, but take on new challenges.

Granted, finances may be a consideration as well. If that’s the case for you, then start looking for reasons why you are in that job or situation to begin with. Something drew you to that position initially. Find out that reason, and you may be able to uncover some aspect of your current situation that you are passionate about and that can motivate you to achieve greater goals.

Choose a Motivational Buddy or Dream Team

Often, other people can motivate you to keep going when you’re suffering from procrastination. Your buddy or team can consist of anyone, such as a spouse, co-worker, boss, or sibling, as long as the people you choose will truly hold you accountable for taking (or not taking) action. Make sure you choose people you feel comfortable talking to about your goals and aspirations. Detail to your team exactly what you want to do and why, as well as how you plan to accomplish the goal. Then, make sure your team can monitor what you’re doing on a regular basis.

Think of this approach like having a workout buddy. Even though you want to go to the gym three times a week and work out for 45 minutes each time, sometimes you need another person to keep you on track and to make sure you actually show up at the gym at 6 a.m. The same holds true for other goals in your life. So assemble your dream team and keep them apprised of your progress. With a little help from outsiders, you can beat procrastination and reach new heights of success.

Get Moving

Newton’s Law of Motion states that objects in motion will stay in motion. That’s why you have to do something, no matter how small, to get going toward your goal and beat procrastination. Every one of us is full of potential energy — energy that has not yet started in motion. But once some sort of motion starts, it will keep going. Therefore, you have to take some step, even a small one sometimes, to start the momentum. Once you do, continuing the activity will be a lot easier.

Have you ever wondered why the most successful people in the world seem to grow even more successful with each passing year? It’s because they don’t stop once they’ve started. They use the momentum and energy they’ve accumulated to reach even higher levels of success. They get the cycle going, and they don’t let it stop.

For example, if you have to write a report for work and keep procrastinating the project, tell yourself that all you have to do is write one paragraph or even just a couple of sentences. Those initial words you write will give you the momentum to keep going, and before you know it you’ll be “in the groove” and will have the entire report done.

Often, small steps are the best way to complete a given task and end procrastination. Consider the Great Wall of China. It’s the largest man-made structure on the planet and an amazing sight to behold. Most people automatically assume that the wall was built using large stones or boulders. In fact, the wall is constructed with many small bricks, not large stones; life is the same way.

Successful people are simply the right combination of small bricks. Therefore, if you can focus on the little things rather than on accomplishing the most major things all in one shot, you’ll eventually have something quite magnificent to behold. Greatness always starts with the little things, and action of any sort will always stop procrastination in its tracks.

Take Action Today

Procrastination is a deadly killer of dreams, goals, careers, and life’s happiness. Don’t allow procrastination to hold you back any longer. By finding your passion, enlisting the help of others, and taking small action steps, you can overcome procrastination and achieve your full potential.

So make the decision today to get out and do something. And remember … nothing meaningful ever happens by accident.

Doug Vermeeren is an author and motivational speaker on goal setting and human performance. As the author of ‘Accelerated Achievement’ and ‘Amazing Success,’ he has interviewed more than 400 top achievers and developed a concrete method for achievement and success;www.douglasvermeeren.com

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

FRANKLIN SUPERIOR COURT

Michael Elbery v. Lincoln Logs LTD et al
Allegation: Breach of contract: $260,500.00
Filed: 11/26/07

GREENFIELD DISTRICT COURT

Jean Dwight v. R.A.C Builders Inc.
Allegation: Medical expenses and lost wages due to noxious fumes in the workplace: $10,000
Filed: 10/31/07

HAMPDEN SUPERIOR COURT

Claire Kida v. Acres Medical Associates Inc.
Allegation: Negligence and personal injury due to fall: $135,000+
Filed: 10/23/07

Cynthia Williams v. Cumberland Farms Inc.
Allegation: Negligence and personal injury: $31,880
Filed: 11/08/07

Diamond Water Systems Inc. v. Falcetti and Clark Electrical Supply Company
Allegation: Damages caused by defective parts sold by defendant: $33,000
Filed: 10/23/07

HAMPSHIRE SUPERIOR COURT

Arcadia Insurance v. East Coast Construction Services
Allegation: Property damage due to negligent plumbing work: $10,940.77
Filed: 11/01/07

Christian Fitzgerald v. Ian Schein, M.D.
Allegation: Medical malpractice: $22,191.20
Filed: 10/12/07

Daniel R. Cooper v. Burrows Company
Allegation: Breach of contract: $56,601.20
Filed: 9/13/07

Rena Ducharme v. Big Y Foods Inc.
Allegation: Fall due to negligence: $143,663
Filed: 11/27/07
Tiger Press v. Connecticut Valley Bindery Inc.
Allegation: Breach of contract: $105,444
Filed: 10/10/07

HOLYOKE DISTRICT COURT

Daytech LLC v. Seasonal Décor
Allegation: Unpaid rent and utilities: $15,642.23
Filed: 10/30/07

NORTHAMPTON DISTRICT COURT

Northampton Lumber Company v. Northampton Rehabilitation
Allegation: Non-payment of goods sold and delivered: $9,241.04
Filed: 10/31/07

SPRINGFIELD DISTRICT COURT

Mary Mirski v. D’Angelos Sandwich Shop
Allegation: Negligence and personal injury: $6,039
Filed: 10/16/07

Richard Thompson v. West Springfield Auto Parts
Allegation: Motor vehicle negligence: $6,608.66; Filed: 10/07/07

Terry Macharia v. Bertera Metro-Jeep Chrysler Inc.
Allegation: Breach of contract: $15,000
Filed: 10/11/07

United Rentals Inc. v. BTR Framing, LLC
Allegation: Non-payment of construction goods and services: $127,043.43
Filed: 10/07/07

Waxcessories v. Country Candle Company Inc.
Allegation: Non-payment of goods sold and delivered: $15,480.62
Filed: 10/09/07

WESTFIELD DISTRICT COURT

Ruth Ohayon v. Patrick Kelley Roofing and Siding
Allegation: Damage caused by improperly installed roof: $2,000
Filed: 10/18/07

Superior Car Care v. Elmwood Auto
Allegation: Negligence causing property damage: $10,601.44
Filed: 10/30/07

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Gilbert & Son’s Insulation Inc. v. Sturbridge Hills Inc.
Allegation: Breach of contract: $11,841.34
Filed: 9/24/07

Jazmin Castro v. Michael’s Towing
Allegation: Negligence causing personal injury: $2,255
Filed: 10/10/07

Pamela & Edward Rivera v. Neighborhood Home Improvement
Allegation: Breach of contract for home improvements: $9,500
Filed: 10/12/07

FRANKLIN SUPERIOR COURT

Dorothy A. Tyler v. Montague Energy Group, LLC
Allegation: Breach of contract and fiduciary duty: $50,000
Filed: 10/26/07

HAMPDEN SUPERIOR COURT

Bernadine Smith v. CitiMortgage Inc.
Allegation: Predatory lending and unfair trade practices: $175,000
Filed: 10/4/07

Elio Alfonso v. Commerce Insurance Company
Allegation: Breach of contract: $8,500
Filed: 10/18/07

Mark & Debra Discawicz v. Town of Ludlow
Allegation: Negligence causing damage to home: $150,000
Filed: 10/17/07

Mauricio Martinez, Reymundo Lopez, and Luis Morales v. Armida Arreola and Transcontinental Refrigerated Lines
Allegation: Motor vehicle negligence: $150,000
Filed: 10/15/07

HOLYOKE DISTRICT COURT

Broadcast Music Inc. v. Iron Horse Music Hall
Allegation: Breach of contract: $3,107.97
Filed: 10/11/07

Chiropractic Healthcare Centers v. National Grange Insurance Company
Allegation: Breach of contract — non-payment of medical bills: $2,403.12
Filed: 5/15/07

Danny M. Sola and Juanita Santos v. Infinity Auto Repair & Detailing
Allegation: Negligent repair of auto and unfair and deceptive acts and practices: $7,500
Filed: 10/1/07

NORTHAMPTON DISTRICT COURT

Baker Tanks Inc. v. Hydropress Environmental Services
Allegation: Non-payment of goods sold and delivered: $13,678.19
Filed: 10/17/07

PALMER DISTRICT COURT

Richard and Jennifer Toelken v. Windmere LLC and Newcastle Development Corp.
Allegation: Breach of purchase and sale agreement and construction of new home; failure to return security deposit: $17,000
Filed: 10/15/07

SPRINGFIELD DISTRICT COURT

A. Boilard Sons Inc. v. R. L. Lafley Construction Co.
Allegation: Non-payment of goods and materials: $11,032.95
Filed: 10/16/07

Kelvin Quamina v. Caribbean American Cultural Center
Allegation: Breach of contract: $4,234.27
Filed: 9/28/07

WESTFIELD DISTRICT COURT

George Panagos v. Thomas Tomlinson d/b/a Hire Image
Allegation: Negligence in reporting of plaintiff as guilty of felony instead of misdemeanor: $2,000
Filed: 10/1/07

Robert Todt v. Borges Construction
Allegation: Suing for damages done to home: $7,184.79
Filed: 9/27/07

Sections Supplements
Take Steps Now to Ensure Lifelong Financial Security

For parents of a grown child with disabilities, the most pressing question is “what will happen to my child when I’m no longer here?” This concern grows more urgent as parents retire or experience a decline in health.

Today, more than 700,000 adults with disabilities live with caregivers over age 60. While this reflects the positive trend of longer life expectancies for the seriously disabled and the general population, it also presents a new challenge for older parents: the need to make plans to preserve their children’s lifelong financial security.

Fortunately, it’s not too late to get started. Partnering with a team of professionals who are knowledgeable about disability issues — including a trusted financial advisor who can look at the impact on your overall financial goals — will help you take the steps necessary to secure a bright future for your child.

Step 1:Create a ‘Life Plan.’ The first step is creating a ‘Letter of Intent’ or ‘Life Plan’ that will serve as a road map for everyone involved in your child’s future care. With the help of a social service representative who specializes in your child’s area of disability, you can write (or record or videotape) your preferences, including where your child will live, what types of enrichment programs they’ll attend (e.g., vocational or adult activity programs), what type of daily care they’ll require, and who will assume a guardianship role.

To help caregivers view your child as a unique individual, it also is important to provide as much detail as possible about the child’s life, including medical and therapeutic history, challenges and triumphs, hobbies and interests.

Step 2:Calculate the Cost. The next step is estimating the cost of your child’s future lifestyle. A financial advisor trained in disability issues can help you do this using a specially designed financial calculator. You can find one by visiting www.totalmerrill.com/specialneeds. Based on information you provide about your child’s anticipated income and expenses — including costs for housing and enrichment programs — and assumptions about inflation and investment returns, the calculator will estimate how much you’ll need to set aside to close any shortfall in monthly needs.

Step 3:Preserve Public Benefits. As you take the next few steps, it will be critical to consider how your actions may impact your child’s eligibility for means-tested public benefits such as Supplemental Security Income (SSI). SSI serves as the gateway to Medicaid and numerous other programs that form the bedrock of support for the seriously disabled. Your child’s uninterrupted eligibility depends on having limited income and no more than $2,000 in assets.

Step 4:Fund Your ‘Special-needs Goal.’ Most parents wish to supplement SSI income to provide their children with a higher quality of life. If you’ve already set aside funds in your child’s name, named your child as beneficiary of policies or accounts, made a bequest through your will, or encouraged relatives to do the same, you’ll need to make some changes — with the help of a financial advisor and attorney — to avoid jeopardizing your child’s eligibility for SSI.

If you plan to fund your child’s needs with retirement plan assets or proceeds from the sale of your home or business, a knowledgeable financial advisor can suggest ways to balance your child’s financial needs with your own. If saving for this goal is out of the question, a financial advisor can help you consider cost-effective alternatives like purchasing a ‘second-to-die’ life insurance policy payable after both parents die.

Step 5:Consider a Special Needs Trust (SNT). However you fund your goal, where you place the assets will be of paramount importance. Generally, the only way to supplement the lifestyle of an individual receiving means-tested public benefits is to place assets in an SNT.

A disability and elder law attorney can help you establish a trust in a manner that supports your overall estate-planning goals.

Step 6:Plan Ahead for Long-term Care Needs. Finally, you’ll need to ensure that your own health care expenses won’t deplete assets set aside for your special-needs child. A long-term care insurance policy is one possible solution. A disability and elder law attorney can help you consider other alternatives, such as placing assets earmarked for your child in a ‘Disability Annuity Trust’ held inside an SNT.

Following an organized plan of action and working in concert with the right professional resources can ensure your child’s future. Partnering with the right financial advisor is essential to this strategy, and can help you assess and attain your most important intergenerational financial goals.

Chris Sullivan is vice president of Special Needs Financial Services at Merrill Lynch.

Sections Supplements
The Alternative Minimum Tax Has Morphed into a Beast; Is Legislative Relief Forthcoming?
Attack of the AMT

Attack of the AMT

The Alternative Minimum Tax, or AMT, as it’s called, was put in place to ensure that wealthy individuals pay a minimum amount of income tax. Over the years, though, the AMT has come to have a growing, often detrimental, impact on taxpayers in many different brackets. Lawmakers are talking about steps to reduce the pain, but when will they come?

The Alternative Minimum Tax (AMT) is a separate federal income tax system that runs parallel to the regular federal income tax system. Although the minimum tax provisions have been amended several times since the concept of a minimum tax was first introduced in the 1969 Tax Reform Act, the underlying purpose of the AMT provisions has always been to ensure that taxpayers with substantial economic income pay a minimum amount of federal income tax.

At the U.S. Senate Finance Committee’s hearings on the Alternative Minimum Tax (AMT), Senate Finance Committee Chair Max Baucus (D-Mont.) underscored the urgency of dealing with the AMT now, stating that “the AMT has morphed into a terrible beast.” He noted that more people making less than $100,000 pay the AMT than people making more than $1 million. In 2005, 3.6 million taxpayers paid the AMT, and 4.2 million are estimated to have paid it in 2006. “Without the patch, the number of Americans affected by the AMT for 2007 will explode from about four million to more than 23 million,” he said. He also noted that most of the 23 million would be middle-class taxpayers earning between $50,000 and $200,000.

AMT normally equals 26% of net alternative minimum taxable income (AMTI) up to $175,000 ($87,500 for married filing separately) and 28% of net AMTI above that amount. AMTI is computed on Form 6251 (Alternative Minimum Tax — Individuals) and is based on regular taxable income adjusted for specific adjustment and preference items and any AMT NOL. However, the regular tax capital gain rates also apply for AMT purposes. Each taxpayer is then allowed an exemption amount to arrive at the taxable amount of AMTI (net AMTI).

The exemption amount is intended to prevent AMT from applying to taxpayers in lower tax brackets or with few adjustments or preference items. The exemption amounts and phase-out ranges are not adjusted for inflation; thus, AMT may affect taxpayers who in the past have not had exposure to AMT if their income is steadily increasing each year (since the regular tax is adjusted for inflation each year). In addition, the exemption amount, combined with the mechanics of the AMT computation, may not prevent certain taxpayers who theoretically should not be subject to AMT from falling into an AMT situation. For example, taxpayers who claim a large number of personal exemptions may be subject to AMT even though they have no AMT preference items.

For tax years beginning after 2006, absent a law change, the AMT exemption amounts will drop from $62,550 to $45,000 for joint filers and surviving spouses, from $42,500 to $33,750 for unmarried individuals, and from $31,275 to $22,500 for married individuals filing separately. In addition, alternative minimum taxable income (AMTI) of married individuals filing separately for tax years beginning after 2006 will be increased by the lesser of $22,500 or 25% of the excess of AMTI (without regard to the exemption reduction) over $165,000; for 2006 it was increased by the lesser of $31,275 or 25% of the excess of AMTI (without regard to the exemption reduction) over $200,100.

While many of the adjustments in calculating AMT apply in only selected situations, certain adjustments and preferences affect most tax filers. For example, individuals are not allowed personal exemptions or the standard deduction. For individuals who itemize their deductions, taxes and most miscellaneous itemized deductions are not allowed. The exclusion of a deduction for taxes is a significant adjustment for residents of Massachusetts who pay state income taxes at a rate of 5.3% and local property taxes on real estate and vehicles. The non-deductibility of miscellaneous itemized deductions for AMT purposes can become a significant problem for taxpayers who have significant employee business expenses or investment-related expenses.

Regular Tax and AMT Computation

In August 2007, John and Sally sold a parcel of land they held for many years, realizing a long-term capital gain of $400,000. Their other sources of 2007 income and the computation of their regular tax and AMT are as follows:

Salary $ 100,000
Interest income $ 12,550
Long-term capital gains $ 400,000
Adjusted gross income $ 512,550
Standard deduction ($ 10,300)
Personal exemptions (after phase-out) ($ 2,200)
Taxable income $ 500,050
Regular tax $ 78,128
   
AMT computation:  
Regular taxable income before personal exemptions $ 502,250
AMT adjustments and preferences $10,300
AMTI before exemption $512,550
AMT exemption (after phase-out)
AMTI $ 512,550
Tentative minimum tax $ 89,263
Regular tax ($ 78,128)
AMT total tax liability $ 89,263

For AMT purposes, medical expenses are allowable as a deduction only to the extent that the expenses exceed 10% of adjusted gross income as computed for regular tax purposes versus the 7.5% threshold used for regular tax purposes. Here’s an example: An individual taxpayer has adjusted gross income of $80,000 and incurs $7,000 in medical expenses. For regular tax purposes, $1,000 of the medical expenses is deductible as an itemized deduction ($7,000 — [$80,000 x 7.5%]). For AMT purposes, none of the expenses are deductible ($7,000 — [$80,000 x 10%]). Thus, the taxpayer must increase AMTI by $1,000.

Although the capital gains provisions are favorable to taxpayers, they complicate the AMT calculation. Further complications occur when calculating the capital gain if an asset’s basis is different for regular tax and AMT purposes. Also, even though net capital gains and qualified dividends are subject to the preferential capital gains tax rates for AMT purposes, they are fully included in AMTI. High AMTI can result in the phase-out, or complete loss, of the AMT exemption. That, coupled with the difference between the lowest tax rates of 10% for regular tax and 26% for AMT, makes it possible for a substantial capital gain to cause a taxpayer to be subject to AMT.

Despite having only one small AMT adjustment or preference item (i.e., the standard deduction), the Frosts are subject to AMT in 2006. Their total 2006 tax liability of $89,263 includes $11,135 of AMT.

The alternative minimum tax (AMT) can affect the year-end planning of taxpayers with large amounts of preference items. If the AMT applies, and the taxpayer’s regular taxable income is relatively small, year-end tax planning may have to be geared more to reducing the AMT than the regular tax.

On Oct. 30, House Ways and Means Chair Charlie Rangel (D-N.Y.) introduced H.R. 3996, the “Temporary Tax Relief Act of 2007.” The bill, which was slated to be taken up by the Ways & Means Committee on Nov. 1, would, among other changes:

• Allow taxpayers for 2007 to use non-refundable personal credits to offset both regular tax and AMT; and
• Increase the AMT exemption amount for 2007 to $66,250 for joint filers and to $44,350 for individuals.

In an Oct. 30 letter to Acting IRS Commissioner Linda Stiff, Rangel, Baucus, Ways & Means Committee ranking member Jim McCrery, and Senate Finance ranking member Charles Grassley committed themselves to enacting legislation that for 2007 would allow taxpayers to use non-refundable personal credits to offset both regular tax and AMT, and increase the AMT exemption amount to $66,250 for joint filers and to $44,350 for individuals. (As a corollary, the AMT exemption for married filing separately would increase to $33,125, half the joint filer amount.)

In effect, the letter urged the IRS to proceed with printing its 2007 tax forms as if these changes had already been enacted. However, the acting commissioner wrote back on Oct. 31, and said the IRS wouldn’t reprogram its systems for the 2007 tax year until the patch is passed and signed into law. In a covering E-mail, an IRS spokesman said the IRS wouldn’t reflect the AMT patch on its 2007 forms until then, either.

As released by Rangel, the bill and accompanying summary do not include provisions that would offset the cost of the AMT patch, the extenders, and the home mortgage debt provisions. Revenue-raising provisions that would offset the cost of the revenue losing provisions — required under the “pay-go” rules the Democratic leaders want to follow — will be added in the chairman’s mark for full committee consideration. Republican leaders are on record as strongly opposing the inclusion of revenue-raising provisions.

So stay tuned to see if the beast will soon be tamed.

Kristina Drzal Houghton, CPA, MST, is partner in charge of Taxation at Meyers Brothers Kalicka; (413) 536-8510.

Departments

Internet Marketing 102 Workshop

Nov. 13: Level the playing field by learning best practices in advertising and how to better target your customers with keyword-triggered advertising on the big search engines. Additionally, participants will learn the Pay-Per-Click advertising that works on Google and Yahoo. The 1 to 4 p.m. workshop is planned at the Andrew M. Scibelli Enterprise Center, 1 Federal St., Springfield. The cost is $40. For more information, call (413) 737-6712 or visit www.msbdc.org/wmass.

WNEC Workshop

Nov. 13: Dr. Fran Harris, inspirational speaker and former professional basketball player, will present a workshop titled “Student Entrepreneurship” as part of a series sponsored by the Law and Business Center for Advancing Entrepreneurship at Western New England College in Springfield. For more information, visit www.law.wnec.edu/lawandbusiness.

Doing Business in China

Nov. 14: Western New England College will host an International Business Breakfast on “Doing Business in China” at 7:30 a.m. in Rivers Memorial Hall. The event is open to the public. During the breakfast, a panel of business leaders and educators will discuss their experiences and offer insight into cultural aspects of doing business in China. The nation represents one-fifth of the world’s population, an enormous market full of opportunities and pitfalls for American businesses. Tickets are available for $15 each by calling the college’s School of Business at (413) 782-1231.

Books to Blogs and Back

Nov. 15-18: Museums 10 will sponsor “Books to Blogs and Back” with special events planned Nov. 15-18. Highlights include: “The Research Library in the New Age of Information” keynote lecture by Robert Darnton, Nov. 15, 7 p.m., in Gamble Auditorium at Mount Holyoke College Art Museum, South Hadley. On Nov. 16, a Books to Blogs Expo is planned from 9 to 11 a.m. in the Miles-Smith Wing, Information Commons, at Mount Holyoke College. Interactive activities and exhibits relating to the history of book creation and publication are planned. Also on Nov. 16, Jason Epstein will lecture on “Farewell to Gutenberg” in Dwight 101 at Mount Holyoke College’s LITS; a panel discussion on “The Past and Future of the Book” starts at 1:30 p.m. in Gamble Auditorium at the Mount Holyoke College Art Museum; and an opening and reception titled “Children Should Be Seen: The Image of the Child in American Picture Book Art” begins at 7 p.m. at the Eric Carle Museum of Picture Book Art in Amherst. On Nov. 17, Historic Deerfield hosts “The Printer’s Apprentice” from 10 a.m. to 4 p.m. in the Wilson Printshop. The program is free with museum admission. Lastly, on Nov. 18, the Amherst Cinema Arts Center will present Jacob the Liar (Jakob der Luegner) at 2 p.m. The movie is based on the novel written by Jurek Becker. His widow, Christine Becker, will be at Amherst Cinema to talk about Jurek Becker’s life and written work. The cost is $7.50 for adults, $6.50 for seniors and students, and $5.50 for members. For more information on the weekend programs, visit www.museums10.org.

SCORE Workshop

Nov. 16: Dave Wentworth, a SCORE counselor and businessman, will present “What Is the Future of Your Non-Profit?” from 9 a.m. to noon at the Scibelli Enterprise Center, One Federal St., Springfield. Wentworth notes that much of the workshop content was developed by the national SCORE organization under a Kellogg Foundation grant. A fee of $25 covers the cost of materials. For additional attendees from the same organization, the fee is $5. For more information and to register, call (413) 785-0314.

Bright Nights at Forest Park

Nov. 21-Jan. 1: Bright Nights at Forest Park in Springfield opens Nov. 21 and runs Wednesdays through Sundays until Dec. 9. Bright Nights will then be open nightly from Dec. 12 through Jan. 1. Buses run nightly from 5 to 6 p.m., and cars from 6 to 9 p.m. Sunday through Thursday, and from 6 to 9 p.m. on Fridays, Saturdays, and holidays. For more information on admission, call (413) 733-3800 or visit www.brightnights.org.

Family Business Dinner

Dec. 11: The UMass Family Business Dinner Forum will host two topics: “The Starbucks Experience: Lessons in Leadership to Spark You and Your Business to Unimaginable Success,” and “Should We Grow Our Business By Acquisition?” Registration is required. For more information and to register, contact Ira Bryck at (413) 545-1537 or via E-mail at [email protected].

Sections Supplements
Misclassifying Construction Employees as Independents Can Lead to Serious Problems

Over the course of the past several years, there has been an upward trend in the misclassification of employees as independent contractors. While such a classification may have benefits to an employer, such as reduced insurance costs and certain tax benefits, it often has adverse affects on the individual that is misclassified, such as the inability to seek unemployment compensation when needed.

Construction companies are especially vulnerable to misclassifying their employees as independent contractors, and this can lead to very serious legal and financial penalties down the road.

To determine whether or not an individual is an employee, Massachusetts General Law states that an individual performing a service shall be considered an employee unless:

  • The individual is free from control and direction in connection with performance of the service, both under his contract for the performance of a service and in fact;
  • The service performed is outside the usual course of business of the employer; and
  • The individual is customarily engaged in an independently established trade, occupation, profession, or business of the same nature as that involved in the service performed.

The presumption that an individual is an employee may be rebutted only if the presumed employer established that it has met each of the above three tests. The employer bears the burden of proving all three conditions.

The Massachusetts Supreme Court has held that an employer’s direction and control of an employee versus an independent contractor follows the common-law analysis of a master-and-servant relationship. If the employer dictates stipulations such as mandatory work hours, place at which work is performed, and job oversight, with threat of discharge as penalty for lack of compliance and employer displeasure, the individual should be classified as an employee.

Although this three-part test seems straightforward, there are some instances where the line between employee and independent contractor becomes blurred. This is commonplace in the construction industry. Most construction projects have a general contractor and several subcontractors or independent contractors. But under what circumstances should these people actually be classified as employees of the general contractor?

By way of example, consider a home remodeling company that installs residential siding. It may be tempting to classify the company’s salesmen as independent contractors to avoid paying workers compensation and taxes. However, if these individuals’ sales appointments are generated and arranged by the remodeler, and the salesmen are required to show up at a predetermined time arranged by the remodeler, it would be a difficult legal argument to prove that the employer doesn’t have control over them. Therefore, the employer would fail the first requirement of the above, control over an employee.

The salesman is selling siding specifically for the remodeler, which would also cause his classification as an independent contractor to fail the second requirement that his business must fall outside the normal course of business of the employer, since selling siding is core to the remodeler’s business. By means of comparison, the marketing and accounting of the remodeling business may be subbed out to independent contractors, as these are completely outside the business of selling and installing siding on peoples’ homes.

In addition, the employer would have to prove in court that the salesman was customarily engaged in an independently established business of the same nature in order to pass part three of the above test. To be classified as an independent contractor, the siding salesman would have to be wearing the hat of his own independent enterprise or also selling products for other companies as well as those of the remodeler.

Continuing with our residential siding example, consider also the classification of siding installers. Those who work only on projects for a particular remodeler, with materials and tools supplied by that remodeler, at a rate set by the remodeler, and in a manner under which the remodeler determines when and how the subcontractor performs, would likely fail all three of the above stipulations classifying an independent contractor. Such conditions transform an independent contractor relationship into an employer/employee relationship.

A good example of the discrepancy between the employee/independent contractor designation centers on a case involving an insurance salesperson. The employer laid down many requirements, but when the salesperson visited clients or perspective clients, no one followed him to direct him as to details. He exercised his own skills and judgment, choosing among a number of allowable ways to present his products, and he closed sales as he judged best for each particular customer. Nonetheless, the court found him to be an employee.

In holding that he was in fact an employee, the court stated that his employer held a significant amount of discretion as to how he performed. For example, he sold only products of the employer, and he did not perform services of the same manner for any other employers. This finding proves that just because one performs services outside of an employer’s office, that does not always make him an independent contractor. The employer can still have a significant amount of control as to how the employee performs.

When a general contractor classifies his workers as independent contractors as opposed to employees, he usually does not provide for worker’s compensation insurance. Should one of those workers become injured, and it is later determined he should have been classified as an employee, the general contractor can be held liable for the worker’s pain and suffering, which is not permitted in a worker’s compensation claim. Similarly, if the general contractor’s workers’ compensation insurer conducts an audit and determines that workers should have been classified as employees and included on the workers’ compensation policy, they can back-charge the employer for the premium he should have paid. This can result in a large amount of money owed immediately.

Any employer, and in particular construction companies, should seriously consider the classification of their workers. Failure to do so correctly can lead to a multitude of problems in the future.

Adam J. Basch, Esq., is an associate with Bacon & Wilson, P.C. He is a member of the Litigation Department with expertise in the areas of construction, employment, and general litigation, as well as personal injury and creditor representation; (413) 781-0560;[email protected].

Departments

MassMutual Financial Group has announced that Stephen Deschenes has been hired as Senior Vice President and Chief Marketing Officer for MassMutual’s Retirement Income Group. In his new role, Deschenes will assume overall responsibility for marketing, product development, and pricing of the broad array of retirement income products. In addition, he will be charged with the management of a special, dedicated team focused on development of next-generation income products, including MassMutual’s Retirement Management Account.

•••••

Melyssa A. Brown, a Senior Associate at Meyers Brothers Kalicka, P.C. of Holyoke, has obtained a master’s degree in Business Administration from the Isenberg School of Management at UMass Amherst.

•••••

Angela Gilligan has joined the Westfield office of Park Square Realty as a Sales Associate.

•••••

Coldwell Banker Residential Brokerage of New England has announced that Tim Wright has joined the Coldwell Banker Residential Brokerage office in Longmeadow as a Realtor.

•••••

Aimee Griffin Munnings, Director of the Western New England College Law and Business Center for Advancing Entrepreneurship in Springfield, has been named one of the state’s Up and Coming Lawyers by Massachusetts Lawyers Weekly.

•••••

R. Lorraine Moore of Carlson GMAC Realtors, has successfully completed the Realtor e-PRO course offered through the National Association of Realtors. Moore is an Agent in the Chicopee sales office.

•••••

Thomas P. Cohan has been appointed Director of Government Relations for New England/New York by Charter Communications.

•••••

Kimberly Allen has joined the Coldwell Banker Residential Brokerage office in Belchertown as a Realtor.

•••••

Dr. Janice Yanni has been honored with the Massachusetts Dental Society’s ‘Ten under 10’ recognition. Yanni, who was featured in the Journal of the Massachusetts Dental Society, is a graduate of Case Western Reserve University and the University of Pittsburgh.

•••••

Jason Gingerich, a Senior Investment Strategist at Prime Advisors in Windsor, Conn., has earned the Chartered Financial Analyst designation.

Features
As Confusion Mounts, Cautious Optimism Surrounds Health Insurance Reform
Christine Phillips and Carole Parlengas

Christine Phillips (left) and Carole Parlengas of United Personnel say health insurance reform could have some rocky times ahead, but they view the changes as necessary and important.

‘One calendar month is the calendar month, commencing with the first calendar month following the first day of employment, unless the first day of employment is the first day of a calendar month, in which case the calendar month commences with the first day of employment.’

That’s how one sentence, regarding employee start dates and how they affect a company’s calculation of full-time equivalent (FTE) employees, reads on the Mass. Office of Labor and Workforce Development Web site.

Carole Parlengas, vice president and CFO, and Christine Phillips, executive vice president with United Personnel, a staffing agency based in Springfield, said it’s also a good example of the verbiage surrounding the Commonwealth’s health insurance reform legislation that has their heads spinning.

“If just one sentence is overwhelming, think of all the other things we haven’t even seen yet,” said Parlengas, to which Phillips added that, while in many respects United Personnel has stayed ahead of the game in terms of implementing new requirements, there’s still an anxiety level surrounding what needs to be done, and how.

“From the beginning, we’ve said that we will work with whatever the state gives us in order to stay legally compliant and in step with the legislation,” said Phillips, “but we’re still nervous, because we’re not always sure what the state is doing. And from what I’m hearing, we’re actually ahead of some other companies who’ve gotten lost in the quagmire and are waiting for more direction.”

United Personnel represents the business sector that could be experiencing the most problems with the Commonwealth’s implementation of health insurance reform, signed into law by former Gov. Mitt Romney in April 2006. It requires all Massachusetts residents to have health insurance — the deadline was this past July — and through mandates and new filing requirements, places this responsibility not only on individuals, but state agencies, health plans, and employers as well.

Devil in the Details

While the plan has received little public criticism of late on administrative or legislative levels, employers are beginning to feel the weight of the new paperwork required by the law.

Staffing agencies are particularly stymied, trying to understand how to efficiently file new forms when employees are temps, often starting a new position multiple times throughout the year. This makes it difficult to pinpoint how many FTEs an agency actually has, not to mention those employees are scattered throughout various businesses, not contained in one office.

“I don’t think the administration ever thought about transient employees,” said Parlengas, who, over the course of the last month, has attended several meetings with legislators, health insurance companies, and other staffing agencies across the state as they scramble to find their place in the puzzle. “They thought of seasonal and part-timers, but not the temps.”

This concern has moved closer to the forefront in recent weeks due to the arrival of the first round of new annual filings for employers that are part of the legislation.

Employers were notified the week of Sept. 24 that beginning on the first of October, they would receive their first Fair Share Contribution report (FSC), which can be completed online and details whether or not an employer with 11 or more FTE employees has made a ‘fair and reasonable contribution’ to their employees’ health insurance, and if not, to what extent a per-employee Fair Share Contribution (of up to $295 per employee annually) must be paid.

Employers have also received a second form, the Employer Health Insurance Responsibility Disclosure report (HIRD), which confirms whether or not an employee has been offered a Section 125 plan, a pre-tax payment system for health coverage and the minimum requirement for employers. Forms must be signed by each employee regardless of their decision to accept or decline the plan, and must be kept on file for three years.

Further, they must be filed with the state by Nov. 15, and that quick turn-around has many people reeling. Staffing agencies have arguably felt the pressure first, but Phillips said she wonders if similar worries will surface in other industries, such as health care, which employs a large number of per diem employees, and in restaurants, in which servers rarely work ‘normal’ hours.

“The data is the scariest thing; it’s going to be a few rocky years for some companies,” she said. “It’s the biggest piece of this right now — record-keeping, and producing the data the state needs.”

In some ways, the problems brought on by the new filing requirements start at a very basic level, Phillips noted. For one, the computer systems currently used at United Personnel have no way of ‘answering’ the questions posed by the state: questions such as ‘what is the percentage of the premium cost for individual coverage your business offered to contribute for all full-time employees?’

“We need certain tools in order to report the data correctly that we don’t have; our databases weren’t built to deal with such sophisticated queries,” she said, adding that for now, the process has become a very human one — and therefore very time- and resource-consuming. “It’s daunting that record-keeping has become so important … especially when we don’t even understand what constitutes a calendar month.

“I think that when this was being planned out, the administration was thinking in terms of standard jobs, and standard hours,” she continued. “When I think of people in restaurant and hospitality jobs, or the medical field, I think they must have some of the same challenges as we do. I don’t think the administration thought long on logistics.”

Painting with a Broad Brush

Still, some with a bird’s-eye view of the reform say that while some roadblocks are bound to crop up, the plan has moved ahead as smoothly as they could have hoped.

Mike Widmer, president of the Mass. Taxpayers Assoc. (MTA), spoke with BusinessWest a year before the health coverage deadline, and at that time cautioned employers against leaping to any conclusions when the legislation’s reporting components began to fall into place.

“The classic, Massachusetts response at the first sign of trouble is ‘man the torpedoes,’” he said in May 2006. “We have to keep working, to progress into new territory.”

Today, his sentiments have not changed much.

“Massachusetts gets very high marks for how well the implementation has gone, and I include the Connector in that,” said Widmer, referring to the Commonwealth Health Insurance Connector Authority, an independent public authority created to implement significant portions of the health care reform legislation, including assisting qualified Massachusetts adult residents with the purchase of affordable health care coverage.

“The administration in general deserves high marks for implementing health care reform. It could have been a problem with a Democratic governor taking over after a Republican governor, but they’ve been sensitive to this and have not tried to reinvent solutions to the issues.

“It took a broad and unusual coalition to pull this off, and a group of constituencies sought to achieve compromises that have held together,” Widmer continued. “We’ve enrolled 200,000 people to date, and moreover, the Connector Authority votes on tough issues, like affordability. Those votes have been largely unanimous, and that reflects the compromise and proves that the board is not going to the mat on every issue.”

Widmer said he, too, has some looming concerns despite his confidence in the system, including the possibility of losing key federal funds.

“We are negotiating with the federal government to maintain funding in 2008 that is critical,” he said. “Once the reform was in place, they approved it, and we didn’t lose the money, but now, we must re-evaluate, and that’s going to determine how much funding we’ll get.”

The Finer Points

Jeff Ciuffreda, vice president of Government Affairs with the Affiliated Chambers of Commerce of Greater Springfield, agreed that while much remains to be seen, the current climate in the region seems to be one of acceptance of the law, and of respect for its objective. But like Widmer, he also guards his optimism.

“The roll-out of the products is being seen as fairly good,” he said, “and overall, we haven’t heard a lot of negative feedback. I do hope, though, that there aren’t too many people adopting a ‘let’s-wait-and-see’ attitude.”

Ciuffreda said he fears some employers may be unclear on some of the details of the legislation, in particular the role of the Fair Share Contribution, and that this could create a backlash later in the year as tax time approaches.

“I hope this lack of feedback isn’t a sign that employers are not understanding some of the fine complexities of the law,” he said. “When they file their taxes, they could face the first phase of penalty, and we could hear more complaints.

“The biggest misconception is that the Fair Share Contribution of $295 is a good deal, but that’s just the first part,” he added. “It could get exceedingly worse for those employers.”

That’s because if employees at a given company (of 11 employees or more) accrue more than $50,000 in health care costs drawn from the free care pool the legislation is aimed at eliminating, the employer is responsible for at least a portion of the bill, and possibly the whole amount.

“If the legislation hasn’t gotten people’s attention, those penalties will,” said Ciuffreda. “They’re not meant to fine; they’re meant to make health care ultimately more accessible for everyone, and by the end of this year, we’ll have a clearer picture as far as how that is progressing.”

Agents for Change

Despite the challenges they’re currently facing, Phillips and Parlengas also agreed that with any new legislation, especially one with such broad implications, there are bound to be some stumbling blocks.

Overall, though, they’re optimistic that the Commonwealth’s health insurance reform will achieve its goal — to make health care universally accessible to Massachusetts residents.

“We’re patient, and we’re positive,” said Phillips. “We have a commitment to making sure we’re compliant and we take doing business in this state very seriously.”

“Something needed to be done,” added Parlengas. “Even though it’s confusing now, and the employer bears the brunt — it’s important.”

Jaclyn Stevenson can be reached at[email protected]

Departments

Museum Marks Fifth Anniversary

October-Jan. 27 & Nov. 15-March 9: The Eric Carle Museum of Picture Book Art in Amherst recently launched a full slate of fall programs in celebration of its fifth anniversary, including two special exhibitions. “Spiderwick: From Page to Screen,” opened Sept. 22 and runs through Jan. 27. The show explores the art of Tony DiTerlizzi and Holly Black’s The Spiderwick Chronicles, and follows the story’s translation to the big screen (coming Feb. 15, 2008). The second exhibition, “Children Should Be Seen: The Image of the Child in American Picture Book Art,” opens Nov. 15 and runs through March 9. The show features the work of 84 artists in a comprehensive survey of the best American picture book art of the last decade.

Money Smart Program

Oct. 30-Nov. 27: The Holyoke Credit Union will once again offer its free award-winning financial education program titled Money Smart, which covers a multitude of personal banking and finance subjects. The course will be conducted on Tuesdays from 6 to 8 p.m. for five consecutive weeks at the Holyoke Credit Union’s main branch at 490 Westfield Road, Holyoke. The program is free to the public, however, pre-registration is required. Registration may be made at any branch location or by calling (413) 532-7007.

Women Business Owners Conference

Oct. 31: The 14th Women Business Owners Conference, hosted by the Mass. Small Business Development Center Network, is planned from 8 a.m. to noon, followed by an optional lunch. The theme is “Succession Planning: Transition & Transformation.” Among the highlights of the morning will be a panel discussion on the legal and financial considerations that are paramount to sound succession planning. Registration is planned from 8 to 8:30 a.m. in Willits-Hallowell Center at Mount Holyoke College, South Hadley. For fees and more information, call (413) 737-6712 or visit www.msbdc.org/wmass.

CPA Tech Day

Nov. 2: Uplinc Inc. will host a CPA Technology Day at the Clarion Hotel and Conference Center in West Springfield, complete with breakfast, a vendor technology fair, lunch, and seminars on topics ranging from “Product and Document Management” to “Disaster Recovery.” Vendors participating in the daylong event include Xerox, Barracuda, AmeriVault, Hewlett Packard, and Cisco. The event concludes with a full open-bar social. Reservations are limited. For more information, call (413) 693-0700, ext. 221, or visit www.uplinc.com

Entrepreneurship Summit

Nov. 5: Bay Path College in Longmeadow will host its next Innovative Thinking & Entrepreneurship Summit at 4:15 p.m., featuring breakout sessions and a lecture by keynote speaker Nadine Thompson. Thompson is the co-founder of Warm Spirit, and co-author of Values Sell: Transforming Purpose Into Profit. Breakout session topics will include ‘Coach Me Into Greatness!,’ ‘Making the Leap,’ ‘Best Practices for New Business Launch,’ and ‘Creating a Guide for a Life You Love.’ The program is free; however, pre-registration is required. To register or for more information, visit www.baypath.edu. For questions, call Kellie Lavoie at (413) 565-1054 or E-mail her at [email protected]

Guerrilla Marketing

Nov. 7: Inspired by a guerrilla-marketing philosophy, this workshop will condense an MBA curriculum’s worth of marketing planning fundamentals to seven essential sentences. Participants will leave the workshop with an actionable document designed to focus on 30-, 60-, and 90-day marketing action items relating to the only four profit-boosting methods that exist for any business. The 9-to-11 a.m. session is planned at the Andrew M. Scibelli Enterprise Center, 1 Federal St., Springfield. The cost is $35. For more information, call (413) 737-6712 or visit www.msbdc.org/wmass

BayPath Lecture Series

Nov. 9: William A. Burke III, president of LENOX of East Longmeadow, will be the featured speaker for Bay Path College’s Innovative Thinking & Entrepreneurship Lecture Series in the Blake Student Commons on the Longmeadow campus. A continental breakfast will be served from 7:30 to 8:15 a.m., followed by Burke’s presentation on innovative thinking and entrepreneurship. LENOX employs more than 700 people and markets band saw blades, hand tools, and power-tool accessories in more than 70 countries. Seeking to capitalize on the brand equity of its linear-edge products and its efficiency on the factory floor, Burke initiated a strategy calling for aggressive growth. This growth was driven by new product development, imaginative marketing, and new sales strategies. Seating is limited, and registration is required. For more information, call Briana Sitler at (413) 565-1066 or E-mail her at [email protected]

Six Flags CEO To Address A.I.M.

Nov. 9: Marc Shapiro, president and CEO of Six Flags Inc., will outline his managing style for overseeing the world’s largest regional theme park company during the Associated Industries of Massachusetts Executive Forum meeting at the Westin Hotel, 70 Third Ave., Waltham. Registration begins at 7:45 a.m., followed by the program from 8 to 9:15 a.m. For registration information, call Julie Fazio at (617) 262-1180 or Chris Geehern at (617) 834-4414, or visit www.aimnet.org

Advertising Seminar

Nov. 9: Smart Moves Advertising will offer a free interactive advertising seminar from 9:30 a.m. to noon at the Clarion Hotel and Conference Center in West Springfield to all members of the Women’s Partnership and members of the Affiliated Chambers of Commerce of Greater Springfield. Speakers will be Janet Casey of Smart Moves Advertising, Joan Letendre of Letendre Advertising, and David Horgan of Horgan Associates. Attendance is limited. For more information, e-mail Janet Casey at [email protected]

Internet Marketing 102

Nov. 13: Level the playing field by learning best practices in advertising and how to better target your customers with keyword-triggered advertising on the big search engines. Additionally, participants will learn the pay-per-click advertising that works on Google and Yahoo. The 1 to 4 p.m. workshop is planned at the Andrew M. Scibelli Enterprise Center, 1 Federal St., Springfield. The cost is $40. For more information, call (413) 737-6712 or visit www.msbdc.org/wmass

WNEC Workshop

Nov. 13: Dr. Fran Harris, inspirational speaker and former professional basketball player, will present a workshop titled “Student Entrepreneurship” as part of a workshop series sponsored by the Law and Business Center for Advancing Entrepreneurship at Western New England College in Springfield. For more information, visit www.law.wnec.edu/lawandbusiness

SCORE Workshop

Nov. 16: Dave Wentworth, a SCORE counselor and businessman, will present ‘What Is the Future of Your Non-profit?’ from 9 a.m. to noon at the Scibelli Enterprise Center, One Federal St., Springfield. Wentworth notes that much of the workshop content was developed by the national SCORE organization under a Kellogg Foundation grant. A fee of $25 covers the cost of materials. For additional attendees from the same organization, the fee is $5. For more information and to register, call (413) 785-0314.

Bright Nights

Nov. 21-Jan. 1: Bright Nights at Forest Park in Springfield opens Nov. 21 and runs Wednesdays through Sundays until Dec. 9. Bright Nights will then be open nightly from Dec. 12 through Jan. 1. Buses run nightly from 5 to 6 p.m., and cars from 6 to 9 p.m. Sunday through Thursday, and from 6 to 9 p.m. on Fridays, Saturdays, and holidays. For more information on admission, call (413) 733-3800 or visit www.brightnights.org

Sections Supplements
Providing Care for Aging Parents

When an aging parent needs assistance to live at home, many children opt to provide the care personally. Often, the parent will not agree to hire health care professionals to provide care due to their inability to appreciate the decline in their ability to live independently. Occasionally, the parent has concerns regarding privacy or safety, and the only caregiver they trust is their child.

Regardless of the circumstances, the ‘caretaker child’ arrangement conjures up a variety of legal issues.

A caretaker child arrangement begins when either the parent begins residing with the child in the child’s home or the child begins residing, or continues to reside, in the parent’s home while receiving care similar to that of a facility.

hen the child resides with the parent in a caregiver capacity, it is common for the parent’s home or other assets to be transferred to the child as compensation. When the parent begins residing with the child, normally the parent’s home is sold and the proceeds are used to build additional living space for the parent in the child’s home or given to the child in exchange for the services the child agrees to provide.

In either situation, it is best to establish a care agreement. This is a contract between the parent and the child and possibly the child’s spouse, in which the parent agrees to pay the child (in either a lump sum or on an ongoing basis) or to finance an improvement to the child’s home, and the child agrees to care for the parent until the parent either passes away or is no longer able to perform two of the activities of daily living. These include bathing, eating, dressing, transferring, and toileting.

When establishing a care agreement, value must be associated with the services provided. One approach involves valuing the services as a package like those at a board-and-care facility, and this is only feasible when the services rendered are substantially the same as those rendered by such a facility. In this situation, the average monthly cost of the facility may be used in the agreement as the monthly cost of the care provided by the child.

An alternative approach involves valuing each service individually. This approach should be used when a child is performing only some of the caretaking activities or when there are indications that a non-caretaker child may challenge the agreement. Tasks performed by the child may include, but are not limited to, grocery shopping, meal preparation, accounting services, driving the parent to medical appointments, housecleaning, laundry services, etc. When using the individual pricing method, the child must keep a record of the services performed and receive payment based on the actual amount of service reflected on the time sheet.

In addition to valuing the services provided, there are various other provisions of the care agreement that are equally important. The purpose of the agreement should be clearly stated and should set forth the exact services that the child will provide as well as the location at which they will be provided. The parent’s space, as well as any common areas, should be described in detail. Additionally, the agreement should set forth whether the parent or the child is responsible for paying monthly utility charges, such as gas, water, and electricity, as well as yearly expenses, such as property taxes and homeowner’s insurance.

It is imperative that the parent and child decide under what circumstances the child is willing to care for the elder. The agreement should specifically state the terms and conditions upon which the parent or the child is allowed to cancel the contract. In order to avoid the appearance of an illusory promise on the child’s behalf, the agreement should provide that cancellation shall only occur upon the occurrence of specified conditions, such as when it becomes unsafe to continue to provide care in the home.

The services that the child provides with respect to housekeeping, laundry, meals, and personal assistance should be as detailed as possible. The agreement should detail a schedule for cleaning the parent’s room and establish parameters regarding the parent’s transport to and from medical appointments by the child.

The agreement should also address any property maintenance duties the child will perform, including, but not limited to, ensuring repair of the premises or its mechanical components as needed, mowing the lawn, additional landscaping and snow removal.

In addition, a formula should be provided to determine how increased costs will be calculated whenever anticipated. For example, if the elder pays $50 per month to cover the cost of food, any increase should be tied to the annual consumer price index increase or calculated in some other definable manner so that its application is precise. Without such a provision, a disagreement may arise between the parent and the child, which could, in turn, disrupt the ongoing performance of the agreement.

Any comprehensive care agreement should also address the disposition of the parent’s property upon passing or admission to a nursing home. As the parent’s last will and testament will govern the distribution of any remaining assets, the care agreement should mandate the execution of estate-planning documents by the parent.

The impact of a care agreement with respect to the parent’s long-term care financing options is substantial.

At present, the most common options for financing long-term care include obtaining long term care insurance, privately paying for care, or obtaining Medicaid benefits. When applying for Medicaid benefits, the Division of Medical Assistance will ask whether the applicant has made any gifts during the applicable look-back period. If gifts are found, the Division of Medical Assistance will assess a penalty upon the applicant. This penalty prevents the applicant from obtaining benefits for a certain time period based on the amount of the gift. When assets are transferred to a child as payment for care provided, it may be possible to avoid this penalty as the money was transferred to pay for services provided and was not merely a gift.

Although there are many issues to address when establishing a care agreement, the benefit of such an agreement far outweighs the effort involved in establishing one.

Outlining the responsibilities of each party will prevent most disagreements during the pendency of the agreement. Ultimately, working through the issues raised in a care agreement will lay the framework for a successful arrangement between the parent and the caretaker child.

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

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Chas. Gilman & Sons Inc. v. West Street Bar & Grill Inc.
Allegation: Recovery of judgment action: $1,571.61
Filed: 9-11-07

Larry’s Heating Hardware & Plumbing v. Blue Dolphin Pools
Allegation: Non-payment of merchandise received: $110.12
Filed: 9-04-07

Nicholas Bernier v. Stephen Constant & Westover Animal Clinic
Allegation: Payment for emergency services due to negligence: $127.50
Filed: 9-13-07

FRANKLIN SUPERIOR COURT

Montague Rivers Edge LLC v. Dmitriy’s New England Construction Inc.
Allegation: Breach of construction contract: $66,900
Filed: 9-06-07

Rice Oil Company v. J & S Auto Services Center Inc.
Allegation: Non-payment of goods and services: $61,207.71
Filed: 9-12-07

HAMPDEN SUPERIOR COURT

Craig J. & Jennifer C. Demerski v. Willowbrook Associates
Allegation: Breach of real estate contract: $382,500
Filed: 9-26-07

Elizabeth & Franklin Cyran v. Sovereign Bank New England
Allegation: Breach of lending contract: $85,000
Filed: 9-21-07

Hampden Village Inc. v. Westfield Fuel Company
Allegation: Negligence in delivery causing property damage: $13,959
Filed: 9-21-07

Sharon Holda v. W.E. Donovan & Company Inc.
Allegation: Negligence in delivery causing property damage: $105,770
Filed: 10-02-07

HAMPSHIRE SUPERIOR COURT

Action Air Inc. v. Anderson Builders Inc.
Allegation: Failure to pay under the terms of a construction contract: $87,354
Filed: 8-30-07

The Commonwealth of Massachusetts by and through the University of Massachusetts v. Shooshanian Engin-eering Associates Inc.
Allegation: Breach of contract: $100,000
Filed: 8-24-07

HOLYOKE DISTRICT COURT

Canal Industrial v. Adalberto Bernal d/b/a America Buses & Trucks
Allegation: Non-payment of rent: $2,500.00
Filed: 5-07-2007

Puerta de la Esperanza, LP v. Grace Demose Furniture Inc.
Allegation: Possession and rent owed: $17,081.72
Filed: 1-29-07

NORTHAMPTON DISTRICT COURT

Cook Builders Supply Company v. St. Claire Landscaping
Allegation: Non-payment of materials: $22,621.52
Filed: 8-17-07

Gilbert & Son Insulation v. Glenn Building Associates Inc.
Allegation: Non-payment of goods: $12,518.83
Filed 7-30-07

Goldman Marketing Inc. v. Steven Lewis Subaru
Allegation: Breach of contract: $2,800.00
Filed: 8-06-07

PALMER DISTRICT COURT

Bill Thompson Transport Inc. v. Quaboag Transfer Inc.
Allegation: Non-payment of goods received: $8,135
Filed: 9-10-07

Sherman & Frydryk v. Jon Ker and DLP Hospitality LLC
Allegation: Non-payment of survey and engineering services: $3,599.44
Filed: 8-28-07

SPRINGFIELD DISTRICT COURT

Claire H. Goldsmith v. Town of West Springfield
Allegation: Injuries sustained during fall caused by pothole: $23,818.86
Filed: 9-17-07

Dauphinais & Son Inc. v. MG Concrete
Allegation: Non-payment: $14,608.16
Filed: 9-12-07

Eastern Bearings Inc. v. Joseph Crouch d/b/a CMD Technologies
Allegation: Non-payment of goods sold and delivered: $5,713.16; Filed: 9-17-07

Farrell Precision Metal Craft v. CMD Technologies
Allegation: Non-payment of goods sold and delivered: $6,607.50; Filed: 9-10-07

Robbie B. Cox v. Bosco’s Automotive, Inc.
Allegation: Expenses due to fall from Bosco’s vehicle which was transporting Mrs. Cox: $10,975; Filed: 9-12-07

United Brothers Enterprises d/b/a Monson Getty v. Taylor Freight Service
Allegation: Non-payment of goods sold and delivered: $15,377.71; Filed: 9-12-07

WESTFIELD DISTRICT COURT

Darrell S. Merceri v. Families Matter Painting
Allegation: Breach of contract – non-payment: $702
Filed: 8-10-07

Kutty’s Fuel Oil v. Bentley Billiards Inc.
Allegation: Non-payment of home heating oil sold and delivered: $912
Filed: 8-08-07

Departments

The following is a compilation of recent lawsuits involving area businesses and organizations. These are strictly allegations that have yet to be proven in a court of law. Readers are advised to contact the parties listed, or the court, for more information concerning the individual claims.

CHICOPEE DISTRICT COURT

Instar Service Group, L.P. v. Niki Limn – Callidice Realty Trust
Allegation: Breach of contract – non-payment of services rendered: $1,874.15
Filed: Sept. 14

Joseph A. Paul Jr. v. Abrams Masonry
Allegation: Concrete services not rendered: $400
Filed: Sept. 27

Valley Communications Inc. v. Packard Motor Car Services Inc.
Allegation: Non-payment of services rendered: $1,802.53
Filed: Sept. 18

FRANKLIN SUPERIOR COURT

Wiesia Ney (administrator) v. Goly’s Garage
Allegation: Wrongful death — negligent maintenance and inspection: $1,005,047
Filed: Sept. 21

Town of Buckland v. RAC Builders
Allegation: Breach of construction contract against general contractor: $95,200
Filed: Oct. 1

GREENFIELD DISTRICT COURT

Town of Greenfield v. Noreen Hamayun d/b/a Valley Mart
Allegation: Breach of promissory note: $22,526.82
Filed: Sept. 27

HAMPDEN SUPERIOR COURT

Elizabeth Burke v. School Street Bistro Corporation
Allegation: Negligence causing personal injury due to fall: $9,074.17
Filed: Sept. 17

Karen A. Connor (executrix of estate of Thomas O’ Connor) v. Jiu Ming M.D.
Allegation: Wrongful death: $25,000
Filed: Sept. 28

Geraldine Liquori (representative of estate of John Liquori) v. The Town of Agawam and the Town of West Springfield
Allegation: Wrongful death caused by negligent provision of emergency service: $25,000
Filed: Sept. 27

HAMPSHIRE SUPERIOR COURT

Brenda J. Wagschal v. Clarion Hotel
Allegation: Injuries suffered as a result of luggage rack falling on plaintiff: $14,820.47
Filed: August 30

Kenneth & Patricia Sicard v. Lesly Spokas and Howard Environmental Services
Allegation: Negligent design and placement of a septic system: $73,500
Filed: Oct. 2

Michael Dean v. Northeast Energy Systems Inc.
Allegation: Injury from fall: $450,000.00
Filed: August 31

HOLYOKE DISTRICT COURT

Open Square Properties, LLC v. Anamorphic Systems Inc.
Allegation: Non-payment of rent: $7,683.99
Filed: August 17

Windship Enterprises Inc. v. Labor Ready Northeast Inc. & CT Corporation System
Allegation: Non-payment of rent plus utilities: $21,762.61
Filed: August 31

NORTHAMPTON DISTRICT COURT

Raymond M. Rice v. All Star Insulation & Siding
Allegation: Services not rendered: $9,326.50
Filed: August 31

Jenison Lee Retzlaff v. Dolan Transportation Services, Inc.
Allegation: Head and facial injuries caused by accident: $17,061.77
Filed: August 24

Lucia Lumber Company, Inc. v. Kimball Custom Homes
Allegation: Non-payment — Goods and services sold and delivered: $10,921.94
Filed: Sept. 17

Fedex Customer Information Services v. EZ Ship N Sell
Allegation: Breach of contract: $3,052.74; Filed: Sept. 26

PALMER DISTRICT COURT

The Sherwin Williams Company v. Tighe Construction
Allegation: Non-payment of goods received: $5,523.69
Filed: Sept. 10

Schmidt Equipment Inc. v. Hoenig Construction Inc.
Allegation: Non-payment of services rendered: $4,626.61
Filed: Sept. 17

SPRINGFIELD DISTRICT COURT

Bradco Supply Corporation v. GMC Home Improvements Inc.
Allegation: Breach of personal guarantee-non-payment: $3,357.49
Filed: Sept. 13

Carter Mcleod Paper & Management v. Omniglow LLC
Allegation: Non-payment of goods sold and delivered: $18,842.66
Filed: Sept. 24

Goodless Electric Company v. Holy Christian Orthodox Church
Allegation: Non-payment of services: $3,213.73
Filed: Sept. 21

Hardware Specialties Inc. v. Anderson Consulting & Construction
Allegation: Non-payment of services: $17,514.78
Filed: Sept. 20

MK Automation Engineering Inc. v. CMD Technologies Inc.
Allegation: Non-payment of goods received: $7,388.50
Filed: Sept. 18

WESTFIELD DISTRICT COURT

Sherwin Williams Inc. v. Letourneau & Sons Painting
Allegation: Non-payment of goods sold and delivered: $1,878.15
Filed: August 28

Patricia Steele-Perkins v. Chris’ Tree & Landscaping, Inc.
Allegation: Deposit given but work never done: $300
Filed: Sept. 7

Departments

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

AGAWAM

Emil Krisna Inc., 1 Belden Court, Apt. H-1, Agawam 01001. Ramesh Patel, same. Convenience store.

Ganpati Inc., 36 Yarmouth Dr., Agawam 01001. Dinesh P. Patel, same. Convenience store.

TM Properties Inc., 13 Southbridge Dr., Agawam 01001. Michael Werman, 152 Whitaker Road, Westfield 01085. Real estate investment/leasing.

CHICOPEE

Delta Oil Inc., 817 Front St., Chicopee 01020. Huseyin Ozdemir, 136 Washington Ave., West Haven, CT 06516. Frank A. Caruso, 127 Mulberry St., Springfield 01005, registered agent. Gas station and convenience store.

International Fellowship of Charismatic Churches Worldwide Inc., 37 John St., Chicopee 01013. Bishop Ellery Q. Brevard, same. (Nonprofit) To witness to the Lordship of Christ over human beings and history by serving people in international relations, promoting reconciliation, etc.

Western Mass. Youth Soccer Association Inc., 99 Main St., Chicopee 01020. Louis Teixeira, 11 Maple Terrace, Three Rivers 01080. (Nonprofit) To promote, support and develop youth soccer in Massachusetts, etc.

FEEDING HILLS

EZ Tax Inc., 45 Cricket Road, Feeding Hills 01030. Andrew J. Fox, same. Income tax return preparation.

GREENFIELD

Donohue, Rioux & Frangie Ophthalmology, P.C., 489 Bernardston Road, Greenfield 01301. Nathalie C. Rioux, M.D., same. Medical services with respect to treatment of the eye.

LONGMEADOW

National Federation of Credit Restoration Inc., 296 Ardsley Road, Longmeadow 01106. W. Kevin O’Donnell, same. Membership-based credit restoration.

LUDLOW

Element Salon & Day Spa Corp., 21 Harding Ave., Ludlow 01056. Elizabeth Fernandes, 5 Stebbins Road, Monson, 01057. Salon & day spa.

NORTHAMPTON

Brigi Inc., 289 Elm St., Northampton 01060. Deliabridget Martinez, same. To own, manage, and develop real property.

E2M Regional Economic Council of Western Mass. Inc., 31 Olive St., Northampton 01060. Richard J. Felman, same. (Nonprofit) To facilitate funding and support for the E2M.ORG model of community-based economic development.

Hampshire County Bar Association Foundation Inc., 15 Gothic St., Northampton 01060. Alfred P. Chamberland, 5 Arthur St., Easthampton 01027. (Nonprofit) To research any branch of the law, making results freely available to the public, improve the administration of justice, etc.

SOUTH HADLEY

Ahsan International Inc., 18 Main St., Suite 2B, South Hadley 01075. Ahsan Latif, same. Trading merchandise.


 

Geitz & Wood Inc., 18 Priestly Farms Road, South Hadley 01075. Carl Geitz, same. Personalized art.

SOUTHWICK

VMDJ Inc., 8 Buckingham Dr., Southwick 01077. Paul D. Musselwhite, same. To operate a convenience store, etc.

Williams & Company Staffing Inc., 25 Deer Run, Southwick 01077. Todd M. Williams, same. To provide medical staffing personnel to medical service providers.

SPRINGFIELD

Ambassador Sports Club Inc., 21 Dineen St., Springfield 01104. Trevor Peterkin, same. (Nonprofit) Non-professional sports activities.

Joseph Freedman Export Mgmt. Co. Inc., 115 Stevens St., Springfield 01104. John Freedman, same. Sales representative.

Springfield Baller Athletic Assoc. Inc., 76 Long Terrace, Springfield 01104. Robert McCoy, 152 Westford Circle, Springfield 01109. (Nonprofit) To provide support and services to 12 and under girls’ basketball teams, etc.

WESTFIELD

Greater Westfield & Western Hampden County Medical Reserve Corps. Inc., 577 Western Ave., Westfield 01086. Edward Mello, Jr., 58 Vadnais St., Westfield 01085. (Nonprofit) To supply manpower on a voluntary basis to local communities, hospitals and municipalities in time of disasters, etc.

WESTHAMPTON

Robert H. Dunn, Jr. Construction Services Inc., 43 Burt Road, Westhampton 01027. Lynn M. Dunn, same. Construction services.

WEST SPRINGFIELD

Grand Central Vac Inc., 745 Memorial Dr., West Springfield 01089. Daniel J. Desnoyers, 16 Ryan Dr., West Springfield 01089. Central vacuum systems.

J & M Gasoline Inc., 1130 Riverdale St., West Springfield 01089. Jack Azar, 2 Drybridge Road, Medway 02053. Ownership and operation of a gas station.

Massachusetts Skill Game Inc., 1434A Memorial Ave., West Springfield 01089. Carlo A. Sarno, same. Coin operated amusement devices and games of skill.

WILBRAHAM

Manny’s Holding Company Inc., 1872 Boston Road, Wilbraham 01095. Emanuel Rovithis, 21 McIntosh Dr., Wilbraham 01095. To hold stock for various companies.

Departments

David Appleman, a licensed real estate broker, has joined the staff at Pride Stations and Stores as Director of Real Estate. He will be based out of the corporate office located at Pride Plaza on Cottage Street in Springfield and oversee all aspects of leasing, site acquisition, and new development opportunities for Pride.

•••••

Philip J. Houser has joined Keller Williams Realty’s Longmeadow office as a Sales Agent.

•••••

Kristi Nelson has been named Director of Development at the Kripalu Center for Yoga & Health in Stockbridge.

•••••

Darryl Konicki has been named Sports Information Director at American International College in Springfield.

•••••

Western New England College School of Law Professor Jamison E. Colburn has been selected as the 2007 Wallace Stegner Young Scholar by the University of Utah S.J. Quinney College of Law’s Wallace Stegner Center. During his residency at the Stegner Center in October, he will deliver lectures on the future of land use planning in the fire prone “wildland urban interface.”

•••••

Carlson GMAC Real Estate announced the following:

• Kathleen Morris, Lauren Stabilo and Lori Casey are new Agents in the Wilbraham office;

• Richard Bellicchi and Roseanne Casale are new Agents in the Holyoke office;

• Lori Barron, Kim Biathrow, Marie Beaulieu and Lisa Little are new Agents in the Chicopee office;

• Irene White is a new Agent in the Palmer office, and

• Jill Surprenant is a new Agent in the Agawam office.

•••••

Coldwell Banker Residential Brokerage of New England announced the following:

• Mary Grace Stewart has joined the firm’s Longmeadow office as a Realtor, and

• Anthony Moura has joined the firm’s East Longmeadow office as a Real Estate Agent.

•••••

The Springfield Housing Authority has named Alex Corrales as its Interim Executive Director. Corrales currently serves as Assistant Executive Director at the organization.

•••••

The Corporators of the Springfield Museums recently elected five Trustees to three-year terms. They are:

• Donald D’Amour, Chairman of the Board and Chief Executive Officer of Big Y Foods, Inc.;

• Jani Flynn, former Owner and President of Software Solutions for Business, Inc., in Omaha, Neb.;

• Ann Mann, a member of the Board of the YMCA of Greater Springfield and a volunteer with Baystate Medical Center, WGBY, and Storrs Library in Longmeadow;

• Elaine Sarsynski, Executive Vice President and Chief Administrative Officer at MassMutual Financial Group, and also President and Chief Executive Officer at MassMutual International LLC, and

• Gregory Swanson rejoins the Board following a one-year hiatus as required by the Springfield Museums Assoc. bylaws. The MassMutual retiree has volunteered with the museums for 23 years.

In other news, those reelected to the Springfield Museums board for three-year terms were: Arthur L. Jones, Peter F. Straley, Robert Sullivan, Jr., R. Lyman Wood and Richard Zilewicz. Also, officers elected for one-year terms were: J. Michael Wallace, Esq., Chairman; Richard B. Collins, Vice Chairman; John M. O’Brien, III, CPA, Treasurer; Peter Picknelly, Assistant Treasurer; Frances M. Gagnon, Clerk, and Dr. Ruth Njiiri, Assistant Clerk.

Sections Supplements
Making a Case for Effectively Contesting a Will Isn’t Easy

“But it’s just not fair!”

Estate planning lawyers often hear this protest from a potential client who wishes to object to a loved one’s will on the grounds that they were either promised something, the will was supposed to have been rewritten, or the terms are not, in their estimation, fair.

Unfortunately, in most cases, the message in response is, “You are right, but the law in will contests is such that you don’t have a case.”

In will contests in most states, it is fairly clear that a will may be objected to only on certain grounds. The first is ‘undue influence.’ This is proven when (1) the person who wrote the will was susceptible to being unduly influenced, (2) the person who exerted undue influence had the opportunity to do so, and (3) the person exerting this undue influence had enough control over the will signer to cause the will to be drafted in accordance with provisions that were not intended.

Normally the opponent or contestant of the will has the obligation to prove that the will should be overturned, but in some cases, when the person who exerted the influence had a relationship with the will signer that was of a nature and relationship that could be construed to be a fiduciary or more than special relationship, the burden may shift to the proponent of the will to prove that they did not in fact exert undue influence.

An example could be somebody who was living with the decedent, such as a child, a caregiver, or a close neighbor who had control and the opportunity to speak with the decedent sufficiently enough to be able to coerce the person to change their will. It could also be a person who is acting as health care proxy and power of attorney, or someone upon whom the decedent relied sufficiently to either feel dependent or otherwise controlled.

A second opportunity to contest a will is one in which the testator/testatrix was not of ‘sound mind.’ In this situation, it would have to be proven that at the time the will was signed, the testator/testatrix was not able to make decisions with a total soundness of mind such that the will signed changed prior provisions, changed asset distribution proportions, or created an unnatural distribution of assets to people who shouldn’t be included.

The evidence required to establish this mental incapacity is normally determined by a physician who knew the testator/testatrix and can produce medical testimony to conclusively establish the capacity or incapacity of the decedent. This is usually very difficult, since it is highly unlikely that the will was signed on the same day that the physician saw the decedent. Nevertheless, this is the best evidence that may be brought to the court. All medical records, physicians, nurses, and other medical personnel who may have known or had any interaction with the decedent will certainly be required to testify as witnesses for either the opponent or the proponent of the will.

Another opportunity to contest a will is the allegation that fraud upon the decedent was exercised. Examples of this are that the person did not know they were signing a will, or that the document they were asked to sign was purported to be other papers or documents.

Fraud would also be exercised by telling the decedent something that was not true about a potential beneficiary, which in turn caused the decedent to reduce an inheritance left to that person or possibly to eliminate them.

Examples of this would be saying that a child was merely sticking around to gain their inheritance, or a potential beneficiary had intentions of giving money to their spouse, who the decedent may dislike, which may then cause the testator/testatrix to eliminate that person from their will.

A final challenge to a will could be based on the fact that it was not signed properly. In most states, witnesses must be present at the same time of the execution of the will and actually see the decedent sign their will or designate another person to sign it for them.

If the formalities of the signing do not comply with the law, the will may fail as a valid document. In these situations, it is necessary to investigate the will signing by deposing the witnesses and possibly the lawyer or delegated staff who attended to the will execution to conclusively establish whether all parties were in the room and paying attention to the signer when the document was executed.

In many states, a probate judge will hear a will contest as opposed to having a jury determine the validity of a will. In addition, it must be noted that the standard of proof with evidence may also vary in a will contest. In a typical civil suit, the test would normally be a fair preponderance of the evidence. In a criminal case, the determining test is beyond a reasonable doubt. In a will contest, the standard of proof is clear and convincing evidence.

Therefore, this will be a greater test than the civil standard, but less than a criminal standard. The scales of justice will have to be tilted more than just a fraction to nullify a will based on the clear and convincing evidence test.

Of course, there are always exceptions to the evidence rules, standard of proof and other factors which may vary from court to court or state to state. However, before attempting to challenge a will, it should be reviewed to determine whether it contains a so-called “no-contest clause,” which may also eliminate a person’s right to inherit merely by making a challenge against it. In some states, this has been determined to be non-enforceable, but it should be reviewed.

The bottom line is that just because a promise was made, or somebody else got more or less, it does not mean that your challenge to a will is going to be successful, even if the will is “not fair.”

Hyman Darling is the chairman of Bacon & Wilson, P.C.’s Estate Planning and Elder Law Department. His areas of expertise include all areas of estate planning, probate, and elder law; (413) 781-0560;[email protected].

Sections Supplements
Going from Practicing Law to Sitting on the Bench Is a Challenging Transition
Kenneth Neiman

Kenneth Neiman says he enjoys the “intellectual challenge” of decision-making.

The transition from practicing law to sitting on the bench, and watching and listening while others practice it, is a big leap, according to those who have experienced it. There is a lengthy learning curve, and a number of trade-offs involving everything from compensation to socialization. Overall, those who don the black robe every day say they’re making a different, and in many ways more rewarding, contribution to society.

Kenneth Neiman remembers walking by himself after lunch one day, several months after being appointed United States magistrate judge, and feeling … well, “physically different.”

That’s one of the many ways the former general practitioner who, among other things, handled some of the copyright work for the creators of the Teenage Mutant Ninja Turtles, described the transition from practicing law to sitting behind the bench and watching and listening, intently, while others practiced it.

“Let’s just say I felt more relaxed,” said Neiman, who was appointed to the District of Massachusetts and its Springfield facility in 1995. That was 14 years after he co-founded a law firm in Northampton and 24 years after he graduated from law school and soon joined the Center on Social Welfare Policy & Law in New York, the first of several career stops that made him familiar with Federal Court and aspire to it.

Elaborating, Neiman told BusinessWest that lawyers and judges take much different roles within the courtroom, and that for him, anyway, the new role was appealing, challenging, but also less stress-inducing — at least after he became acclimated to it.

“The biggest difference for me was switching from being an advocate and one of the adversaries in that system to being a decision maker and resolving disputes,” he explained. “That was almost a startling change; I realized that I was no longer in the midst of an argument — it was their argument, the lawyers’ argument, and my responsibility was to try to resolve it.

“As a lawyer, I had no problem with being an advocate,” he continued, “but in the long run, this role, the one of making decisions, suits me much better.”

Using language that was mostly similar, others who have made the same career transition talked with BusinessWest about why they sought work on the bench (sometimes it seeks them) and what they’ve experienced since donning the black robe.

“For me, it was enormously liberating to be impartial,” said Dina Fein, associate justice in the state Housing Court’s Western Division since 1999, when she left a practice dominated by civil work. “The opportunity to see a dispute impartially was really wonderful. The job description is to come to work every day and use your best judgment to do what you think is right. For me, it’s an enormous privilege to have that define my work.”

William Hadley, a former litigator with the Springfield firm Doherty, Wallace, Pillsbury and Murphy who was appointed a District Court judge two years ago, compared his transition to that of an athlete who moves on to become a referee in the same sport.

“For trial lawyers, it’s a somewhat combative profession — you want to win, and you have to be highly motivated to win,” he explained. “As a judge, you have to back away from really caring about who wins and loses and ensure that the trial is fair and the law is applied properly.”

There might be less stress or tension for most judges, but their work is difficult, often requires long hours and considerable travel, and comes complete with enormous responsibilities.

Which explains why, for the first several months she was on the bench, Fein would come home exhausted, despite working fewer hours than she did while handling mostly civil work for the law firm started by her grandfather and then managed by her father.

“I couldn’t figure out why I was finding the job so exhausting, and then other judges told me they had the same experience,” she recalled. “What I realized was that judges are expected to do so much simultaneously. One has to hear the facts as they’re coming in, understand them as they’re coming in, assess credibility, keep an eye on the courtroom, remember the law, apply it, articulate rulings from the bench, and do all of those things in the public eye. That’s a lot of multi-tasking.

“We spend our days doing active listening,” she continued. “We may not be asking the questions, but there is nothing passive about being a judge. That active listing — listening to what’s said, what isn’t said, and how it’s said … is just challenging, but also very exhilarating.”

In this issue, BusinessWest talked with several individuals who have transitioned to the bench about why they took that route. While explaining their motivations and aspirations, they also shed some light on what happens in their courts and also on the many challenges facing the legal system today.

Honorable Mention

“Moriarty and Wilson.”

That’s how Hampden County Superior Court Judge C.J. Moriarty answered a phone call from BusinessWest recently, invoking the name of the Holyoke-based law firm he founded and worked at for 30 years before being appointed to the bench just over a year ago.

“Old habits die hard,” he said with a chuckle, adding that it had been a while since he’d made that gaffe, but it happened frequently at his new office — and his home — in the months after he left private practice.
There were other old habits that lived on, as well.

Indeed, during one of his first cases as a judge, Moriarty, upon hearing a question from one of the attorneys, blurted out “objection.” There was some laughter, he remembers, adding quickly that most in the courtroom that day had probably seen it happen before. “When I mention that episode to other judges here, they say, ‘I did that, too.’”

Hadley told BusinessWest that, while he doesn’t believe he’s ever actually said ‘objection,’ he’s thought about doing so — or that the opposing lawyer should do so — on myriad occasions. Being able to keep such thoughts to himself was just part of the transition, he said.

As was acknowledging and then understanding that he, like all judges, was now under a microscope.

“People are always watching and wondering why you scratched your chin or moved to your left the way you did,” he explained. “They’re looking for clues to see which way you’re leaning, so you have to be cognizant of almost everything you do or say.”

All this is part of a “serious learning curve,” as Hadley called it, for those who ascend to the bench. There are those aforementioned changes in roles, some emotional swings, those early feelings of exhaustion, and, as in Neiman’s case, even some improvement to one’s overall health and well-being.

Meanwhile, however, the paycheck usually has a smaller number on it, and there are often long stretches during which judges in the federal and state trial systems (most of the latter are getting paid just under $130,000 at present, less than many new associates in New York and Boston) will not see raises or even cost-of-living increases.

Then again, the number is stable, and one doesn’t have to chase work, or pray that it comes through the front door, to earn it.

“Any accomplished lawyer would be taking a pay cut when they become a judge,” said Neiman, adding quickly that no one seeks and accepts such a career change for the money.

Their reasons for doing so vary, but usually revolve around practical considerations as well as a desire to serve society in a different and, in many ways, more fulfilling manner than practicing law.

“I think it’s in my blood,” said Moriarty, whose father was a long-time Superior Court judge. “I thought a lot about following in his footsteps. I’d been trying cases here for a long time, and decided I wanted to try the other side.”

When asked why she pursued the bench, Fein first prefaced her remarks. “This is going to sound corny,” she told BusinessWest, “but this was a way to implement a fundamental belief I have that those of us who are privileged by wealth and great education and wonderful opportunities in life do have an obligation to put those advantages toward the public good. I’d like to think that I brought those values to the practice of law, but it’s clearly easier to live those values in this position.

“As a lawyer in private practice, I always thought I had three responsibilities,” she continued. “I had to win the case; I expected myself to do the right thing; and I had to make money. In my experience, those responsibilities are not always compatible with one another. And if you took those responsibilities as seriously as I did, it would just wear you down, and my friends who are still practicing law tell me it certainly hasn’t gotten any easier.”

Court of Opinion

Hadley told BusinessWest that he thoroughly enjoyed being in court arguing cases while at Doherty Wallace, and that when his practice started to change, with the bulk of his work taking place in his office or that of a mediator, he sought a way to return to the environment he loved, specifically an opening in District Court.

“I took an assessment of what I wanted to do with my life — either stay at a place where I was happy or do something different,” he explained. “At that time in my life, my mid-’40s, I decided it was time to make a change and do something I think is very important, and hopefully make a greater contribution to the community.”

Like others we spoke with, Hadley said there are trade-offs when one goes from practicing law to presiding over a court. On the positive side, the pay is secure, there is no concern about billable hours, and when a judge goes on vacation, someone fills in for him or her; lawyers don’t have that luxury.

On the flip side, however, this is a much lonelier profession — which explains why Neiman was walking alone that day. Judges cannot socialize with lawyers, at least to the extent that they did before they took the bench, to avoid any indication of favoritism, said Hadley. Meanwhile, although judges do socialize amongst each other and share general thoughts on matters, they cannot actually discuss specific cases. “With individual cases, you’re pretty much on your own.”

Those we spoke with all said that there were times, even very early in their careers, when they would think about perhaps becoming a judge. Moving from there to the point of sending in an application for a vacant or soon-to-be-vacant position is a big leap, and a function of timing, feeling comfortable about making the transition — from both career and economic perspectives — and then finding a proper fit.

“Judges tend to find the court they’re best suited for,” said Fein, adding that while she was encouraged by some to apply for District Court positions, she felt that court, with its preponderance of criminal matters, did not match her background in civil work.

For Fein, who also applied for the position eventually given to Neiman, a much better match was Housing Court, which, until late 1998, had been a one-judge court. For many years, that individual was John Greaney, who now sits on the State Supreme Judicial Court, and later William Abrashkin, who still sits in that court.

Fein said she wound up in Housing Court while handling several civil matters during her work with the firm Fein, Pearson, and Edmund, and liked what she saw and heard. “I got to know it, and thought it was a fabulous court.”

When the state Legislature approved a measure to add a second judge to the Housing Court Division’s Western Division in 1998, she jumped at the opportunity.

Neiman told BusinessWest that he didn’t give himself much a chance to win the judge magistrate’s post when he applied, but knew at the time he would regret not seeking a post on a court he first came to know early in his career through work with first the Center on Social Welfare Policy & Law and then Western Massachusetts Legal Services.

“I was a poverty lawyer working for poverty wages,” he quipped, adding that things got better, compensation-wise at least, when he partnered with Fred Fierst to form Fierst & Neiman, which is now Fierst, Pucci, and Kane, with Fierst still handling a wide range of work in the entertainment industry, both locally and nationally.

Neiman handled criminal and civil matters in a number of courts, and enjoyed the work, but became intrigued when then-Magistrate Judge Michael Ponsor was appointed as a district judge. “I had tried a number of cases in federal court, so I was familiar with it,” he said. “I was thinking about applying, and some people thought I could do it, so I went ahead and applied.”

For Moriarty, the decision to seek the bench came down to several factors, including a desire to preside over a court he knew well and that his father served as a judge. But there were also some practical, or economic, issues that played into things.

“Being a lawyer is a very expensive way to make a living,” he said. “And when you’re in this community, most lawyers are depending on what walks in the door.”

Weighing the Evidence

Before sitting down with BusinessWest in her office, Fein first had to climb a short set of steps, go into Courtroom One, and deliver a quick, 10-minute talk she’s now given several hundred times.

It is Thursday, and in Springfield’s Housing Court, Thursday is ‘eviction day.’ (It’s Monday in Hampshire County, Tuesday in Franklin County, and Wednesday in Berkshire County, and Fein travels to all those courts weekly. “Have gavel, will travel,” she said, borrowing a line she attributed to Abrashkin.

Many of those facing eviction, as well as most looking to do some evicting, appear in Housing Court without legal representation, said Fein, noting that there are several volunteer, or pro-bono work, programs designed to help those who must appear in her court. The lack of lawyers in the room explains the need for the talk — which goes over everything from options to ground rules (if the opposing party fails to show up, the other prevails in the dispute) to the need to do one’s math before they sit before the judge or mediator — and it is also one of things Fein likes most about her work.

Indeed, while there are civil matters and some complex litigation that comes before the court — everything from class action cases involving lead paint to slip-and-falls — there are also the landlord-tenant disputes and other summary judgment matters that Fein equates to ‘people’s court.’

“If we do our jobs well, we’re really a problem-solving court,” she explained, noting that most of those facing eviction have issues that contribute to their dilemma, including substance abuse, mental illness, or some combination of both.

“We have the opportunity, if we choose to take it, to deconstruct the presenting dispute, identify the underlying social problem, and try to do something about it,” he said. “And that’s what makes the work of this court so exciting to me. I think we have an opportunity here to get people on the right track in their lives, and that’s enormously gratifying.”

As he talked with BusinessWest, Hadley was heading east on the Turnpike, returning from District Court in Pittsfield. Recently, he’s been spending less time on the road — he was assigned to handle the civil docket in the Springfield court — but still travels regularly, as many judges in that court do.

Hadley is associate justice of the Greenfield District Court, which means that, while he handles matters in that court when the presiding judge is out, he moves from court to court across Western Mass. While the travel can wear one down, it does have certain benefits.

“Every community has different issues,” he said. “Meanwhile, there’s different personnel in each of the courthouses, and you get to meet a lot of lawyers. Overall, I don’t mind the travel.

‘Variety’ was a word Hadley used often to describe his court, which handles a wide array of criminal cases (mostly misdemeanors) and civil matters involving dollar amounts that are usually, but not always, under $25,000. Between the diversity of the cases and she
r volume of them (100 new criminal cases each day, on top of thousands of civil cases moving through the system), judges work full, long days.

And each one represents a learning experience in many respects. “If you really enjoy the law intellectually, you are allowed to become an expert,” Hadley explained. “There’s an academic expansion to this that I really enjoy. I can spend as much time as I need to become an expert in a specific area of the law, and without having to worry about billing someone for my time.”

Coming to Terms

Moriarty took a quick break from his talk with BusinessWest to handle what’s known as a bail review, one of the many types of matters that come before Superior Court judges. The party in question believed bail has been set too high and was requesting that it be lowered.

During the 15-minute hearing on the matter, the attorney for the defense argued that his client, arrested on drug charges, was not a risk to flee. The prosecutor, citing several previous defaults and the serious nature of the charges (possession within close proximity to a school) argued that bail should remain where it was.

Noting that past history is very often a good predictor of future conduct, Moriarty denied the defendant’s request. Later, he acknowledged that, as decisions go, this one was comparatively simple.

Most, however, are not, and all of them, especially those dealing with sentencing and bail (meaning one’s freedom) come with huge doses of responsibility, and consequences for all those involved. But this is the world that judges must operate in — and often with what would be considered very little training or education, at least compared to other fields or professions.

“I was sent to Boston for three days,” said Moriarty. “We were shown how to work a computer, we sat in on one jury impanelment with another judge, and that was essentially it — they said, ‘OK, you’re ready, see you later.’

“I’ve had a lot of on-the-job training, what with 30 years in the business,” he continued, adding that, in the process of making the transition, he has learned that presiding over a court is a world apart from practicing law in one, and the adjustment has been challenging in many ways.

“I remember that on my first day, I had to take a guilty plea,” he recalled for BusinessWest. “Therefore, I had to make sure that the one making the guilty plea knows what he’s doing, knows what rights he’s waiving, and knows what he’s giving up. They handed me the file, and it’s dawning on me for the first time that I’m being asked to sentence this person, and yet I know less about him than anybody involved with this case.

“It was then that I fully grasped the magnitude of the responsibility I had,” he continued. “As a lawyer, I knew everything about my client, and the prosecutor, while he didn’t know as much as me, still knew an awful lot. Here I was, set to sentence someone, and when I walked into the court, I didn’t even know the gentleman’s name.”

For Neiman, while he has enjoyed the transition from advocate to decision maker, he said it hasn’t been without challenges. Overall, he said he enjoys the intellectual aspects of his work, which he described as problem-solving.

“In probably 60% of cases in which you’re faced with a dispute, whatever that dispute is, if you got 10 judges together, or individually, it would probably come out the same way — it’s relatively self-evident as to what the resolution of that particular dispute should be with regard to how the law applies,” he explained. “And then, they get progressively more difficult.

“I enjoy the challenge of figuring out what the law is and applying the facts,” he continued. “Almost always when I go through that process, at some point something will click, and I’ll understand what I believe to be the proper resolution of that dispute given the law and given the facts. I like that exercise, and I hope that I do it with an understanding of the effort that the lawyers have put into it and the plight that the litigants find themselves in.”

Final Arguments

When asked if he ever worried about being wrong with his decisions, Neiman, known for his dry wit, said, “that’s what appeals are for.”

Continuing, he said his rulings have rarely been overturned on appeal, something he takes a good measure of pride in. But how does he feel when judges with the First Circuit Court of Appeals do reverse one of his decisions?
For that he summoned a quote he attributed to the late Frank Freedman, a long-time federal judge in Springfield: “they’re entitled to be wrong.”

Such confidence in his decision-making abilities is just one more product of the transition from lawyer to judge for Neiman. It’s a change that’s made him feel better about himself — and just feel better in general.

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