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Daily News

CHICAGO — The American Medical Assoc. (AMA) adopted new policy last week recognizing the public-health benefits of paid sick leave and other discretionary time off. Citing a growing body of evidence that lack of access to paid sick leave results in the spread of infectious diseases, as well as delayed screenings, diagnoses, and treatment, the new AMA policies support paid sick leave, as well as unpaid sick leave, for employees to care for themselves or a family member.

“With both dual-earner and single-parent households on the rise in the United States, it is increasingly challenging for workers to juggle family and work,” said former AMA board chair Dr. Barbara McAneny. “Workers without paid sick days are more likely to work sick and are more likely to delay needed medical care, which can lead to prolonged illness and worsen otherwise minor health issues. Lack of paid leave also has a ripple effect across a worker’s family. Paid sick leave has been shown to aid children’s health, shorten hospital stays, and reduce the risk of disease transmission by allowing parents to stay home with sick children. Paid sick leave keeps our homes, offices, and communities healthier while ensuring the family’s economic security.”

The U.S. is the only industrialized nation without a federal family-leave law that guarantees workers may receive pay while taking time to care for themselves or their family. Although the Family and Medical Leave Act mandates that companies provide leave, the law does not require that it be paid.

The AMA also reaffirmed existing policy supporting voluntary leave policies that provide employees with job security and the continued availability of health-plan benefits in the event that leave becomes necessary due to medical conditions.

Sections Technology

Hard Data

BankingITdpLayersARTYoung people studying information technology in college, or IT professionals seeking a career change, don’t always think about the opportunities afforded by the banking industry. But perhaps they should — banks are increasingly clamoring for top IT talent to support their digital platforms, maintain network servers, and tackle thorny cybersecurity threats. The challenge is wooing these individuals to a career path they may never have considered.

Steven Lowell occasionally visits high-school career days and speaks with students, so he knows how young people perceive banking jobs.

Steven Lowell

Steven Lowell

“Everyone thinks of the bank as either the teller or the loan officer,” said Lowell, president of Monson Savings Bank. Which is why students with an aptitude for information technology (IT) typically don’t think of the financial world as a viable career choice.

But they should, he said.

“Technology has come to the forefront and is a huge part of banking,” he told BusinessWest. “There’s definitely a lot of potential there for people who might be interested in a career.”

Indeed, opportunities have risen for IT talent in the era of online and mobile platforms — both to build and grow those platforms and in the broad realm of cybersecurity and data protection, for starters.

“From a cybersecurity perspective, there’s really a big push right now to make sure we have that talent on staff. It’s critical,” said Joseph Zazzaro, senior vice president and chief information officer at PeoplesBank. “People want their banking data as safe as possible. That’s what we strive to do. We all want that convenience, but it comes with a challenge from a security perspective. We’re always concerned with how to make things safer, always monitoring things, and you need the right people on staff to do it.”

The question, then, is how to attract those ‘right people’ to a field that doesn’t necessarily have cachet with young IT talent.

Joseph Zazzaro

Joseph Zazzaro says bank mergers often pose opportunities to hire another bank’s IT talent if their role is being phased out.

“If you have a technical hotshot and there is an option of going to a more traditional financial services bank or to Google, that’s a pretty hard sell for a financial-services company,” Judy Pennington, director of human capital in the financial-services industry for Deloitte Consulting LLP, told Payment Source.

Meanwhile, Bruce Livesay, chief information officer at First Horizon National Corp., told American Banker that “the banking industry has gotten so much negative publicity through the past several years, it has made it more difficult to recruit people. We’re seeing fewer people feeling motivated to get into banking.”

Financial IT leaders offer plenty of reasons why they should change that way of thinking, however, starting with the fact that banks don’t start and end with the teller and loan officer.

Multiple Paths

Gary Urkevich, executive vice president, Information Technology & Project Management and Berkshire Bank, ticked off a number of areas where banks need strong IT talent, with those roles including project managers, business analysts, program managers, systems analysts, developers, report writers, infrastructure engineers, help-desk support technicians, desktop support technicians, and information-security analysts.

Gary Urkevich

Gary Urkevich

Business analysts are a good case study, he said, in the way some finance professionals span the IT and business worlds.

“Typically, BAs are fairly technical, but, more importantly, they have a keen understanding of the line of business that they support,” he explained. “So a BA that supports mortgage lending would be expected to be well-versed in mortgage lending originations, operations, and compliance. This would be similar for BAs supporting insurance, finance, or deposit operations. Many successful BAs have transitioned to IT from long careers on the banking-operations side.”

Meanwhile, Urkevich went on, program managers own the IT oversight of a particular line of business, such as retail lending. Infrastructure engineers ensure that the e-mail, network servers, circuits, and phone systems are properly sized and working properly. Help-desk support technicians handle calls from users who have questions or issues accessing the banking systems. And information-security analysts work to ensure that the bank’s network, customer data, and company data are protected from malicious intrusion.

In short, that’s a long list of roles with widely varied responsibilities, but they all require some level of IT expertise at a time when computer technology is more critical to the industry than ever before.

To hear Lowell tell it, the recent technological evolution in banking is a direct response to what customers crave: convenience.

“Everyone wants to their bank to be more convenient, and the way to do that is through technology,” he said. “We’ve got people accessing us through all kinds of devices and through all kinds of different networks. We need to be able to serve all those needs.”


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Banks access IT talent to develop applications that are easy to use, and also to offer live support to customers who have issues accessing them, he noted. On the commercial side, they help businesses interact with the bank’s systems efficiently.

Of course, the more robust the digital platform, the greater the need for security, Lowell noted. “That has become such a huge issue. You cannot afford to have a breach in your financial system, so that’s getting a lot of emphasis right now. We’re constantly testing out the network to make sure we don’t have any openings, so people can’t get in and steal information. Cybersecurity issues are huge now.”

Urkevich agreed. “Cybersecurity has become a critical area of focus across many industries, including banking,” he told BusinessWest. “We are routinely investing in staff and systems to ensure that our network is protected.

Zazzaro said one key to attracting and retaining customers is offering competitive, easy-to-use products, and to maintain those products, IT staff are critical.

“We need to have the right personnel in place, supporting the infrastructure for customers on many channels, from digital channels to voice service, the call center. People want convenience, but they want to be able to talk to someone.”

At a time when digital channels are only expanding, though, banks often struggle to make their case to career seekers with a techie bent. One factor is that people see banks constantly merging and fear their career won’t be a secure one. Millennials are also known for seeking employers they believe in on a philosophical level, and banks don’t tend to occupy that ground in their psyche.

Which is why banks often wind up drawing talent from other banks.

“Most of us network to an unbelievable degree, so there’s a great opportunity for us when a merger occurs,” Zazzaro said. “I network with people all over New England, and I’ve seen employment positions filled by a person who lost their job, or their position changed, or they were able to find another great opportunity in the banking arena.”

Lowell agreed. “It’s difficult to find good people. We have a very experienced IT person who worked at another bank, and we were able to hire him because he lives in Monson, and it was a great move for him.”

In most cases, he added, strong tech skills are more important in a potential hire than financial experience, because banks are willing to provide plenty of internal training in their specific processes. “It’s very specific, so we know they’re not always going to come in with that knowledge, but it is something they can learn, and we provide opportunities to do that.”

By All Accounts

Considering the opportunities for skilled IT talent in banks, and the fact that continuous training is a given, Zazzaro asked simply, why not seek a job in banking?

“It’s cutting-edge,” he said. “A lot of things go on with banking, whether in house to support greater efficiencies or what’s happening in the back office; whether it’s customer-facing, bricks and mortar, or on the mobile side. All these things are extremely critical. If a young person is coming out of school, a bank can be a great opportunity to further their career and gain additional training — not just for greater efficiency for the bank, but to help build their careers, too.

In the end, Lowell said, IT talent ranks right up there with regulatory-compliance experts as critical 21st-century needs for financial institutions of all sizes.

“If someone was looking at a career,” he concluded, “I think they’d be well-advised to consider a bank.” u

Joseph Bednar can be reached at [email protected]

Law Sections

Left to Their Own Devices

Whether or not a company explicitly allows it, employees in all fields are increasingly using their own laptops, tablets, and smartphones as part of their jobs. This practice, known as ‘bring your own device,’ or BYOD, certainly has its benefits, from flexibility to employee satisfaction to decreased IT costs. But it also brings risks — data security is a major one — and potentially thorny legal questions concerning company information being stored on private equipment. There may be no one right answer for all businesses, but well-written, clearly communicated policies are a good start.Whether or not a company explicitly allows it, employees in all fields are increasingly using their own laptops, tablets, and smartphones as part of their jobs. This practice, known as ‘bring your own device,’ or BYOD, certainly has its benefits, from flexibility to employee satisfaction to decreased IT costs. But it also brings risks — data security is a major one — and potentially thorny legal questions concerning company information being stored on private equipment. There may be no one right answer for all businesses, but well-written, clearly communicated policies are a good start.

Jeffrey Trapani understands the appeal of personal devices like laptops, tablets, and smartphones.

“Everyone’s grown accustomed to having these devices; it’s sort of an expectation,” said the partner with the the Springfield-based law firm Robinson Donovan, while pointing to his own phone. “I find myself sometimes looking at that instead of the giant screen next to me.”

In fact, in an ever-more mobile society, the lines defining the workspace are blurring, and more Americans find themselves using their personal devices, rather than — or in addition to — company-owned equipment, so they can access their work no matter where they are.

All good, right? Well, yes and no.

Certainly, the bring-your-own-device (BYOD) movement offers real benefits, from increased employee satisfaction — they can work more flexibly and tend to be more comfortable and productive on their own devices — to cost savings for employers, who don’t have to spend as much money on hardware, software, and maintenance.

“There are two competing schools of thought whether this would be a good practice,” said Amy Royal, founding partner of employment-law firm Royal, P.C. “Proponents point to the ease and comfort of using your own personal device. And I understand the convenience. If I have employees who are comfortable with their own device, smartphone, laptop, or tablet, they’re more productive, it’s easier for them to navigate their device, and it creates more employee satisfaction.

Amy Royal

Amy Royal says it may be wise for a company to require personal devices used for work to be checked by IT staff periodically.

“Plus, it’s kind of annoying if I have duplicative devices — a work phone and a personal phone — and there’s cost savings to the company if they’re not responsible for furnishing those devices. Those are good things,” she went on.

However, the concerns the BYOD trend raises for employers are serious ones, she told BusinessWest. “You want to delve into the different considerations. Opponents would say it creates potential legal and security risks, and confidentiality and security issues.”

The key issue is not necessarily employees using their personal devices at work, said John Gannon, an associate attorney with employment-law firm Skoler, Abbott and Presser — it’s allowing employees to access the company’s secure network and sensitive data with those devices.

“It’s a broad area of concern,” he noted. “If employees want to do it, an employer will want to have specific policies geared toward people’s personal devices and accessing the employer’s network from those personal device, whether it’s a mobile phone, tablet, or laptop.”

The reason the BYOD question is so pervasive, said those who spoke with BusinessWest, is that even companies that forbid the use of personal devices for work purposes often find employees are doing it anyway. By establishing and clearly communicating policies surrounding personal devices, employers have a better chance of avoiding disputes, legal trouble, and security issues down the line.

Safe and Secure

It wasn’t difficult for Royal to quickly tick off a number of pitfalls made possible by transferring workplace data to a laptop or tablet.

“It poses significant risks to confidentiality when we have somebody using a personal device to access work on the company network and store information — proprietary information — on that personal device,” she said. “What if there’s a data breach? Or the employee could lose it, and the device could end up in someone else’s hands. Or, they could share their device with family members, and that could be a problem.”

Furthermore, she suggested, what happens when an employee leaves the company, which doesn’t always happen on the happiest of terms? They’re obligated to leave company-owned equipment at work, but what is the terminated employee’s responsibility when it comes to client or customer data left on their own device?


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One solution is crafting policies — agreed to as a term of employment — that either forbid the storage of proprietary information on a personal device, or allow the company access to the device to wipe it clean, Trapani said, courses of action that touch on sensitive issues of balancing data security and employee privacy.

“The concern with these personal devices is what kind of data winds up on these things, and are you enabling the employee, if they’re leaving, to take it with them,” Gannon added. “Another big concern is if they lose the device. So, if you’re going to allow employees access to the network through their personal devices, you should have some way to log into those devices and wipe them clean if they’re lost or not returned after employment.”

With all the concern around what employees can take off the company network, perhaps equally important is what they can put on it.

“If you have a personal device you’re connecting to the company network, there’s a risk with that. It might not be supported with updated malware protection,” Royal said, noting that businesses backed by a strong IT department typically don’t have to worry about that on company-owned equipment.

“It’s important to iron out these considerations before allowing people to use their devices in the course of the job,” she added. “You want to develop a clear policy. Maybe personal devices need to go to IT periodically. You can set some kind of timetable in that regard, as well as who can access the device.”

John Gannon

John Gannon says storing sensitive company data on personal devices can be cause for concern — especially if they lose the device or leave the firm.

Gannon agreed. “The primary concern is data security, and personal computers that are in the office, that don’t go anywhere, typically have antivirus software that’s regularly updated by either internal IT people or IT management companies that come in and remotely monitor what’s going on the computers.

“If someone has their own device, they could be using it at home, where they may not have the same level of antivirus protection that networked computers have, and they may install something unknowingly, some virus or malware,” he went on. “Malware is a big one — something inadvertently downloaded to your computer that stays dormant, then, say, when you access a banking website, tries to steal your login credentials. It’s pretty dangerous stuff, and if you install that on your laptop, bring that to work, and connect to the network, there’s a chance of infecting the systems on the network.”

Where Does the Time Go?

Security issues are only one piece of the BYOD puzzle, however. Another piece involves wage-and-hour issues, particularly for non-exempt employees getting paid by the hour. Say an employer e-mails workers after hours, Trapani suggested, and an hourly employee responds to that e-mail at home, rather than opening it the following morning.

“Is there an expectation that’s something you have to compensate them for? You can lock yourself into a claim if you don’t.”

Gannon agreed, recalling a study claiming the average American checks their phone 150 times a day, and many of those checks come after work hours, but could involve work issues.

“If you do have non-exempt employees, you have to pay them for all their working time. And if they’re going home and accessing the network to check e-mails or take phone calls, technically that is working time,” he explained. “If that’s a couple e-mails a day over the course of a week, we’re talking about potentially a half-hour, 45 minutes of work. Over a year, that could cause problems. Employers find it difficult to track that time, so it’s a significant challenge for employers who want to give employees freedom to do things from home.”

Gannon said companies can address this challenge in one of several ways: Not allowing non-exempt employees to connect to the network remotely, or allowing only exempt employees to use their personal devices for work purposes, or allowing employees to work from home, but clearly delineating in the company handbook how to accurately report that time, or allowing overtime only with prior approval from a supervisor.

“It gives the employer some protection if the employee leaves, then claims to have worked all these hours, and you didn’t know about it. If you have a policy that requires them to seek approval beforehand, you may not have to pay for that time.”

Then there’s the question of reimbursing employees who use their own device — and, if companies choose to go this route, what legal ramifications it raises, Trapani said. For instance, is the business liable if an employee gets into a motor-vehicle accident while texting? Or, if a company is involved in a lawsuit, what is the employee’s obligation to surrender data on their phone or laptop in the discovery phase?

“Sometimes employers can get dragged into a lawsuit and want to see information on various devices,” Gannon noted. “You’ll want to have some kind of language in your bring-your-own-device policy that the information on that device could belong to the employer.”

In that circumstance, it would actually benefit an employer to reimburse the employee, or pay for a device that can be used for work and personal time, he went on. “If the employer pays for and provides these devices to the employee, it’s less of a privacy issue. If employees are using their own device, mostly for personal use, but for some work use, getting that information can be more challenging.”

Finally, Trapani said, there’s the age-old concern — updated for this high-tech era — of employees killing time while on the clock, and whether using their personal devices at work makes it easier. “There are performance issues. If you have a handheld device in front of you instead of a giant screen, are you looking at Facebook, or doing what you should be doing?”

Clear Communication

In the end, Royal told BusinessWest, the BYOD trend has been a net positive at many companies, but there’s risk in allowing it — risk that nonetheless can be managed with well-constructed, clearly communicated guidelines.

“It’s a collaborative effort involving a number of people, like IT, HR, your legal team, and also accountants — are you reimbursing your employees a certain amount for using personal devices, and what are the tax implications of that? You want to have a team looking at this practice before you roll it out.”

Trapani agreed. “Communication is important, not only so employees know what’s expected of them, but also so the people in charge understand the implications of new technology.

That said, Gannon noted, it’s difficult to craft a general BYOD policy, as a lot of it depends on the industry. For example, medical businesses bound by HIPAA from disseminating health information need to be more vigilant than some other industries about which employees can access sensitive data, and on what devices. But there are some universal recommendations.

“Certainly, you want to have a policy that sets out authorized and unauthorized use. And sometimes, the policy lets employees use their own device only if the IT people install software updates and an antivirus program, and gives them remote access if they need to clean out the device.”

A strong BYOD policy, at the very least, puts all employees on the same page, knowing exactly how their devices can be used and what happens when they leave the firm.

“Even if you don’t want to replace company devices by allowing the use of personal devices, you still want to tackle these kinds of issues,” she said. “Employees are probably using their personal laptop or smartphone for some business. That’s the reality.”

Joseph Bednar can be reached at [email protected]

Daily News

SPRINGFIELD — Comcast Business will present “How to Leverage Technology to Do More With Less,” part of the BusinessWest/HCN Lecture Series, on Wednesday, June 15. The event will take place at the Lyman & Merrie Wood Museum of Springfield History, 21 Edward St., Springfield. Registration will begin at 7:15 a.m., followed by breakfast and a panel discussion from 7:30 to 9 a.m.

Admission is free, but pre-registration is required by today, June 13. Register online here, or call (413) 781-8600 for more information.

The panelists — influential minds in the IT field — will discuss issues that every business IT department is being forced to deal with, including rising demands to make changes to existing systems, increasing efficiency and improving security, and how budget restrictions impact IT.

Panelists include Michael Feld, CEO, VertitechIT, and interim CTO, Baystate Health and Lancaster General Hospital; Frank Vincentelli, chief technology officer, Integrated IT Solutions; and Patrick Streck, director, IT Services, Baystate Health / Information & Technology.

Daily News

SPRINGFIELD — Comcast Business will present “How to Leverage Technology to Do More With Less,” part of the BusinessWest/HCN Lecture Series, on Wednesday, June 15. The event will take place at the Lyman & Merrie Wood Museum of Springfield History, 21 Edward St., Springfield. Registration will begin at 7:15 a.m., followed by breakfast and a panel discussion from 7:30 to 9 a.m.

The panelists — influential minds in the IT field — will discuss issues that every business IT department is being forced to deal with, including rising demands to make changes to existing systems, increasing efficiency and improving security, and how budget restrictions impact IT.

Panelists include Michael Feld, CEO, VertitechIT, and interim CTO, Baystate Health and Lancaster General Hospital; Frank Vincentelli, chief technology officer, Integrated IT Solutions; and Patrick Streck, director, IT Services, Baystate Health / Information & Technology.

Admission is free, but pre-registration is required by June 7. Register online here, or call (413) 781-8600 for more information.

Daily News

EAST LONGMEADOW — Peritus Security Partners, Gaudreau Group Insurance Agency, and CMD Technology Group will present a cybersecurity luncheon on Wednesday, June 8 from 11 a.m. to 1 p.m. at Center Square Grill, 84 Center Square, East Longmeadow.

The event is designed for small to medium-sized businesses faced with threats to client and employee data. This high-level discussion will present three key elements in building a solid foundation for managing cyber risk. Peritus Security Partners will discuss the importance of building proper policies, procedures, and controls to manage cyber risk and compliance. The Gaudreau Group will discuss the importance of using cyber insurance as a tool to manage risk that cannot be practically controlled through policy or technical controls. CMD Technology Group will focus on some practical technology solutions that help reduce the risks of a cyber attack.

The event will culminate with a practical discussion on current and emerging threats and how businesses can use these three strategies to prevent becoming the next poster child for a data breach.

Reservations are required. To register, call (413) 525-0023 or e-mail [email protected].

Daily News

SPRINGFIELD — Comcast Business will present “How to Leverage Technology to Do More With Less,” part of the BusinessWest/HCN Lecture Series, on Wednesday, June 15. The event will take place at the Lyman & Merrie Wood Museum of Springfield History, 21 Edward St., Springfield. Registration will begin at 7:15 a.m., followed by breakfast and a panel discussion from 7:30 to 9 a.m.

The panelists — influential minds in the IT field — will discuss issues that every business IT department is being forced to deal with, including rising demands to make changes to existing systems, increasing efficiency and improving security, and how budget restrictions impact IT.

Panelists include Michael Feld, CEO, VertitechIT, and interim CTO, Baystate Health and Lancaster General Hospital; Frank Vincentelli, chief technology officer, Integrated IT Solutions; and Patrick Streck, director, IT Services, Baystate Health / Information & Technology.

Admission is free, but pre-registration is required by June 7. Register online here, or call (413) 781-8600 for more information.

Community Spotlight Features

Community Spotlight

Mayor William Martin

Mayor William Martin says renovations are being made to transform the century-old former Lunt Silversmiths building into medical offices.

Mayor William Martin says projects that were started years ago are coming to fruition in Greenfield, and new ones are underway that will help the town continue down its path to independence, as well as addressing areas that need revitalization.

The Town Council just approved a $5 million bond to create a municipal Internet, phone, and data-services company called Greenfield Community Energy and Technology (GCET) that will be paid for by the company after it is established. Free Internet service is being provided on Main and High streets until the project is completed, thanks to a $500,000 pilot program, and 82% of voters voiced approval for GCET, which will provide the bandwidth and speed needed to stay competitive and attract new businesses, as the town has lost some in the past due to a lack of technology.

“We’ve been given the green light to move forward with this project,” Martin said, noting that, in addition, Greenfield Light and Power began operating as a municipal aggregation plan more than a year ago and brought not only lower-cost electricity to the community, but measures to procure the energy from renewable sources.

“The company went online Jan. 1 last year, and now all of our electricity is 100% green,” the mayor told BusinessWest, adding that the public utilities will increase the likelihood of retaining businesses, encouraging them to expand, and enticing new businesses to move to the community.

GCET will also allow the Greenfield School Department to administer the Partnership for Assessment of Readiness for College and Careers (PARCC) exam to public-school students; the test is aligned with Common Core standards and replaces the Massachusetts Comprehensive Assessment System (MCAS) test.

Other compelling reasons for installing an up-to-date fiber-optic system include the fact that Greenfield Community College has a downtown campus, and the town established the Mass. Virtual Academy at Greenfield five years ago on Main Street, the Commonwealth’s first virtual K-12 public school.

Public utility companies will play a vital role in maintaining the town’s independence, but they are only a part of other major initiatives taking place. The new, $66 million Greenfield High School opened its doors last September, and the new, $73 million Greenfield Trial Court is expected to open in October, benefiting downtown businesses and restaurants that suffered when construction began on the courthouse about three years ago and operations were temporarily moved several miles away.

Keeping Pace

Martin told BusinessWest that, although some people over the age of 50 still think of downtown Greenfield primarily as a place to do retail shopping, that business has moved to malls, which makes developing a new identity critical to the neighborhood’s future.

“Greenfield is fortunate to have maintained some of its luster and attractions that are extremely unique, such as the century-old Wilson’s department store and Gardens seven-screen cinema,” he said, noting that the downtown area also contains new ethnic restaurants as well as federal, state, and county agencies, including the courthouse, Baystate Franklin Medical Center, the county jail about a mile away, and the new, $14 million intermodal John W. Olver Transit Center that serves Franklin County Transit Authority bus routes and provides intercity bus service as well as a train station that houses Amtrak’s Vermonter line.

Greenfield Trial Court

The new, $60 million Greenfield Trial Court is expected to open in October and restore lost foot traffic to downtown businesses and restaurants.

In spite of these major institutions, the temporary courthouse move did affect a number of downtown businesses. However, some made accommodations to make up for revenue that was lost, including restaurants that started delivery services.

But when the Greenfield Trial Court opens next fall, the attorneys, courthouse employees, and people scheduled to appear in court are expected to help to restore the regional downtown center to its former vitality.

However, city officials are well aware that academics, government, education, and manufacturing are the fast-growing industries in the Pioneer Valley.

“So we’ve applied a special focus to advancing our downtown in these specific areas,” Martin said. “Downtowns of the future will be more service-oriented, with attention paid to the needs of individuals and families, rather than the wants. And an increase in pedestrian traffic will stimulate the development of other small businesses offering entertainment, food, boutique shopping, and social, cultural, and religious gatherings.”

He added that the town’s focus on healthcare is exemplified by the planned development of the former Sears Department store into medical, dental, and professional offices. The Lunt Silversmiths property about 1.5 miles from Main Street is also undergoing substantial reconstruction for conversion to a residential medical treatment center of 65 beds operated by Behavioral Health Network and other clinics, which complements Greenfield’s regional position as host to Baystate Franklin Medical Center.

“We’re actively soliciting medical groups,” Martin noted, adding that Patriot Care, which provides medical marijuana, has purchased the former American Legion building at 7 Legion St. just off Main Street, and is renovating it to suit its needs, and a former convenience store a half-mile from downtown was purchased by a cardiology practice with several hundred clients and is expected to open in June.

Other efforts are being made to enhance the downtown, and last month the Town Council approved spending $4.2 million to build a new community center on a one-acre site a block from Main Street, which will serve as a senior center during the day and offer space for classes in the evenings and on weekends.

Martin said a 100-year-old building on the site which currently houses the central office for the school department will be either demolished or converted to housing, and the office will be moved to the middle school.

In addition, a central communications center for the county is in the planning stages, and will be located in a strategic area on West Main Street, which Martin describes as “an area that requires stimulation and planning with both private and public development.

“It is blighted, so we want to fill it in and make it more attractive to stimulate further development,” he told BusinessWest, adding that a number of buildings there have already been demolished, redeveloped, or scheduled for major renovations or redevelopment.

Town officials are also working to create a village of tiny houses, which are growing in popularity, on a ¾-acre lot at 102-106 Deerfield St. A bike path is situated to the rear of the lot, and a formal bike lane was established on Route 2 after the town adopted the Complete Streets program, a transportation and design initiative that promotes safe travel for walkers and cyclers.

Greenfield also received a $177,000 grant to create a new dog park a short distance away at Green River Park off of Petty Plain Road, as well as a $400,000 PARC grant to install a new playground, signage, basketball court, and pickleball court and revamp the parking lot.

“It will be a big expansion,” Martin said. “Right now, the park only contains two softball fields, a basketball court, and a parking lot. But in addition to the improvements and expansion, next year we expect to create a mile-long walking and biking path around the park that will provide a quiet, meditative place where individuals and families people can take their kids to enjoy a walk by the river.”

Measures have also been taken to address flooding from the Green and Deerfield rivers on Deerfield Street, which have caused real problems in the past for Mohawk Meadow Golf Course and the Department of Public Works treatment plant. Streetscape and engineering work has been done to prevent future floods, including the installation of a unique set of storm doors on the DPW building.

Martin added, however, that condemned properties with flooded basements are still monitored, while fire ravaged-buildings have been removed.

Continued Growth

Greenfield hopes to build a new library to replace the current structure on Main Street, built in 1880, which lacks the space and modern amenities needed to keep pace with today’s needs. A state grant was procured to pay for a design, and a forum was held last month to inform residents about evolving plans.

Martin said the town’s finances are in good shape, and it was fortunate to be able to negotiate contracts with the unions that will allow it to maintain a steady cost of living, while reducing the increase over time.

Although the residential tax rate is high, he noted — Greenfield ranks fourth in the state in that category — valuations are low, so the average homeowner pays $3,934 in real-estate taxes, ranking 211th in the Commonwealth.

So, the combination of new projects and long-awaited ones coming to fruition has officials excited about the future.

“We’re looking to continuously strengthen our unique approach to reframing Main Street, and our next step will be to make it an attractive destination for young people with curious minds,” Martin said, adding that the town hopes to open an innovation center and a program that would allow businesses to share services.

He told BusinessWest that two manufacturing companies have plans to move Greenfield, and officials hope to build on the success of businesses that have been in town for years and work with the school department to shorten the path from graduation to job security.

“We believe that municipal investment will act as a catalyst for private investment and set the town up to repair and replace institutional buildings and needed infrastructure,” the mayor added, noting that new sewer and water lines and pump stations are being installed throughout the town.

Upcoming challenges will include a lack of parking when the new courthouse opens because it was built on a former parking lot.

“But we’re looking forward to the revival of foot traffic, which will help downtown businesses, although things won’t really settle down until construction on a new multi-storied garage is complete,” Martin continued, explaining that strategies to deal with the issue may include measures such as a shuttle service to distant parking lots.

But the town is keeping pace by installing utilities and technology that will keep it independent, attract young people, and offer businesses all they need to be successful in the years to come.

Departments Incorporations

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

AMHERST

Step Toward Justice, Corp., 35 Newell Ct., Amherst, MA 01002.  Molly Ryan Strehorn, same. Advocates for the rights of convicted indigent people living in the Commonwealth of Massachusetts by filing briefs and motions in the trial courts and appeals court. Most clients are currently serving sentences in the house of correction or state prison but some are no longer incarcerated yet still dealing with the collateral consequences of the past conviction. Step toward justice promotes networking opportunities by meeting, connecting, and communicating with other advocates who are working in the same legal area.

BLANDFORD

Watson Pond Productions Inc., 152 Kingsley Road, Blandford, MA 01008. Bradley Eugene Johnson, same. The development and production of television program.

CHICOPEE

Pioneer Valley Standards Inc., 126 Amherst St., Chicopee, MA 01013. Yasser Mahdy, same. Purchases, renovates, manages, and sells real estate.

RP Painting Group Inc., 100 Caddyshack Dr., Chicopee, MA 01020.  Rayner Paulino, same. Painting services.

DALTON

Rio Cleaning Corp., 213 Park St., #4, Dalton, MA 01226. Vania Sobral Pimentel, same. General cleaning and janitorial services.
 
FLORENCE

Raredon Resources Inc., 30 North Maple St., Florence, MA 01062. Jason Lucas, 319 Stebbins St., Belchertown, MA 01007. Design and fabrication of architectural components.
 
GRANBY

Springfield Mandolin Orchestra Inc., 185 West State St., Granby, MA 01033. Edward Robert Maxwell Jr., 57 Red Bridge Lane, South Hadley, MA 01075. An organization that provides unique educational opportunities for mandolin enthusiasts of all ages and levels of expertise located in Western Massachusetts. These educational opportunities are accomplished through free concert performances and classroom demonstrations.

HADLEY

Restore Physical Therapy and Wellness Center Inc., 220 Russell St., Hadley MA 01035. Patricia Young, same. Physical therapy office.

HOLYOKE

Valley Voces General Inc., 300 High Street, Holyoke, MA 01040. Andrew Melendez, same. To acquire, own, develop, operate, sell and manage interests in real property and to acquire, construct, rehabilitate, lease, finance, and dispose of housing or commercial facilities, or any other interest in real or personal property, debt security, equity security or loan, and to be either a general partner or limited partner in any business entity, or to enter into a joint venture with others for any of the above purposes; to enter into and carry out contracts for any and all of the aforesaid purposes; to borrow money or otherwise incur indebtedness or liability for any of its corporate purposes; to do all things necessary, appropriate, or reasonably ancillary to the conduct of general realty holding and development business; and to carry on any business permitted by the laws of the Commonwealth of Massachusetts to a corporation organized under chapter 156d; and to refinance, mortgage or grant security interests in real or personal property.
 
LEE

WAM Theatre Inc., 440 Spring St., Lee, MA 01238. Ashley Berridge, 63 Francis St., North Adams, MA 01247.  Non-profit theatre to benefit women and girls.
 
NORTHAMPTON

Royal, P.C., Amy Royal,  270 Pleasant St., Northampton, MA 01060. Amy B. Royal, 270 Pleasant St., Northampton, MA 01060. Professional law firm.
 
OTIS

Tonlino Excavating Inc., 1678 Monterey Road, Otis, MA 01253. John B. Tonlino III, same. Excavation services.
 
SPRINGFIELD

Quadmed Medical Clinics of Wisconsin, S.C., 262 Cottage St., Springfield, MA 01103. David Severance, N53 W24700, Corporate Circle, Sussex, WI 53089. Medical office.
 
Seeds of Feather Inc., 467 Beacon Circle, Springfield, MA 01119. Kevin Green, same.
 
Webster Square Tire & Auto Service Inc., 1264 Union St., Springfield, MA 01603. Peter Kearing, 960 Longmeadow St., Longmeadow, MA 01106. Tire sales and auto service.
 
Women Recovery Project Inc., 225 Norfolk St., Springfield, MA 01109. Wilhamenia Allen, same.

WENDELL

Windhorse Naturopathic Inc., 13 lady Slipper Lane, Wendell, MA 01379. Emily Maiella, same. Naturopathic consultation services.

Agenda Departments

Museums10 Summit

May 16: Arts educator Patty Bode will discuss ways museums can engage with their communities and broaden their audiences in the 21st century, in a keynote address at the fourth annual summit of Valley-based collaborative Museums10. Bode’s talk, “Museums, Engagement, and Creating Social Change,” will take place at 4 p.m. at the Yiddish Book Center at 1021 West St. in Amherst. It is free and open to the public. Bode has decades of experience working with museums through hands-on practice as an educator in urban schools, community arts programs, and teacher education, with a particular emphasis on collaborating with marginalized communities. In her address, she will discuss why access to and participation in museum life is a civil and human right in our democratic society. She will also offer case studies that demonstrate ways museums have been successful in engaging a wide range of audiences across race, social class, language, sexual orientation, and religion. Currently a teacher at Springfield Conservatory of the Arts, a magnet public school, Bode is the former director of Art Education for Tufts University in affiliation with the School of the Museum of Fine Arts in Boston, and was a visiting associate professor at Ohio State University’s Department of Arts Administration, Education and Policy. For more information, visit fivecolleges.edu and click ‘events.’ Museums10 is a collaboration of seven campus and three campus-affiliated museums that work together to celebrate the collections and promote the programs of its member museums to local, regional, and national visitors. Museums10 is facilitated by Five Colleges.

Mental Health and Wellness Fair

May 18: In celebration of Mental Health Awareness Month, Clinical & Support Options Inc. (CSO) will host its 14th annual Mental Health and Wellness Fair at the Energy Park in Greenfield from 10 a.m. to 2 p.m. Featuring CSO’s Green River House and Quabbin House Clubhouse members, the fair will be an afternoon of music, singing, poetry, and testimonials by members to highlight mental-health illness, wellness, and recovery. The fair started in 2002 in an effort to bring awareness and information to the community about mental-health illness and recovery. The event is an opportunity to dispel the stigma around mental-health illness, encourage people to seek support, and spotlight agencies available to assist. This year, the theme is “Mental Health Matters.” In addition to local community providers sharing information, there will be live music, a food vendor, and raffles, and WHAI will be on site doing a live broadcast. For more information, call the Green River House at (413) 772-2181.

Ad Club Creative Awards

May 19: Ad agencies, design firms, marketing departments, and other members of the Western Mass. and Northern Conn. creative community have submitted work for the Advertising Club of Western Massachusetts’ Creative Awards, the club’s annual recognition of creative excellence. Each year, they come together to celebrate the region’s best creative work with a festive evening of camaraderie. This year’s event — titled “Make. Believe.” — will be held at Open Square in Holyoke. The judges for this year’s Creative Awards include Kevin Grady, global head of design and communication for brand strategy firm Siegel + Gale, and Nikita Prokhorov, a freelance designer, author, and professor based in Brooklyn, N.Y. “We were really fortunate to get two judges who are at the top of their field,” said Lynn Saunders, co-chair of the Ad Club’s Creative Awards. “They held the work to a very high standard.” On May 19, the region’s creatives and guests will convene to find out which works Grady and Prokhorov deemed worthy, and to set the bar for the upcoming year of local advertising and communications. The event will feature hors d’oeuvres, a cash bar, live music, a champagne toast to the local creative community, and the opportunity to rub shoulders with, and celebrate with, colleagues whose creative work will be on display. Tickets are $35 for members, $50 for non-members, and $20 for students. For more information about the 2016 Creative Awards or to purchase tickets, go to adclubwm.org or call (413) 736- 2582. This year’s Creative Awards sponsors include Andrew Associates, BusinessWest, Cecco – the Design Office of David Cecchi, Common Media, 423 Motion Inc., Marcus Printing, Meyers Brothers Kalicka, P.C., Milltown Productions, Six-Point Creative Works Inc., Stephanie Craig Photography, TSM Design, and WWLP-22News.

IBS Explores Value of IT

May 20: Innovative Business Systems will explore the ways IT can return more value to organizations. The lunch-and-learn session will take place at 163 Northampton St., Easthampton, from noon to 2 p.m. Ideally, every IT dollar spent should provide a return by helping to increase revenues, decrease costs, or improve efficiencies. Over lunch, participants will learn many value-driven best practices, while demonstrating how IBS best adds value through its client engagements. Topics will include how the use of automation can reduce support costs due to economies of scale, how providing streamlined access to support can improve efficiencies, what skills are required and how to staff the IT function within an organization, and disciplined project selection, management, and budgeting best practices. An open-discussion IT roundtable will be faciliated by IBS immediately following the lunch-and-learn session. To register online, visit www.for-ibs.com/news/simple-registration-form.

Storyteller Series on Women in History

May 22, June 5, June 26: Wistariahurst will host artist Tammy Denease in a series of historical storytelling performances. At each of the Sunday sessions, Denease will bring to life a woman from the past. The women featured in the series are Clo Pratt, born into slavery but self-employed after being freed; local hero Elizabeth “Mum Bett” Freeman, who successfully sued Col. Ashley for her freedom in 1781; and Bessie Coleman, “First Negro Aviatrix.” The family-friendly performances will take place in the Belle Skinner Music room at 3 p.m. on each of the days, and are free and open to the public of all ages. This series is supported in part by a grant from the Holyoke Local Cultural Council, a local agency supported by the Massachusetts Cultural Council, and the New England States Touring program of the New England Foundation for the Arts, made possible with funding from the National Endowment for the Arts Regional Touring Program and the six New England state arts agencies. Educational programming at Wistariahurst is supported by Historic Holyoke at Wistariahurst.

Garden Party

June 5: The Garden: A Center for Grieving Children and Teens will host a Garden Party fund-raiser from 4 to 6:30 p.m. Guests will enjoy live music, appetizers, and drinks. Representatives from the Western Mass. Master Gardeners Assoc. will speak about the significance and meaning of herbs and flowers. There will also be a silent auction of artist-designed watering cans. The cost is $35 per person, and all funds raised will change the life of a grieving child. For more information, contact Shelly Bathe Lenn, coordinator at the Garden, at (413) 582-5312 or [email protected].

Northampton Garden Tour

June 11: Come visit eight gardens on display for the 2016 Northampton Garden Tour, a fund-raiser for Friends of Forbes Library Inc. The event will be held from 10 a.m. to 3 p.m., rain or shine. The Garden Tour aims to inspire and educate everyday gardeners with plantings in a variety of appealing and unique landscaping styles and creative use of hardscape. In contrast to the 2015 tour that was localized in the center of Northampton, this year’s tour takes participants on a scenic and varied 18-mile route to the outer reaches of the community. Tickets come with directions to this self-guided tour of gardens within easy driving distance of the library. There is no obvious, easiest route, but suggestions will be available to make the tour both safe and expedient. At each garden, there are descriptions of the plantings, and garden guides will be on hand to answer questions. The terrain of this year’s tour broadly circles Northampton, making gardens accessible by car or a bicycle ride for the recreational peddler comfortable with 20-plus miles. Tickets for the tour are $15 in advance at Forbes Library, Bay State Perennial Farm, Cooper’s Corner, Hadley Garden Center, North Country Landscapes, and State Street Fruit Store. The cost is $20 on the day of the tour at the library only. The Garden Tour also includes a raffle to win organic compost, gift certificates, garden supplies, a landscape consultation, and more. Raffle tickets are available at Forbes Library through the day before the tour as well as at one of the gardens on the day of the tour. All event proceeds benefit Friends of Forbes Library to support programs, events, and projects for the library that could not otherwise be funded. For details: on the organization, visit www.forbeslibrary.org. For more information about the Garden Tour, call Lyn Heady at (413) 584-7041.

‘Leverage Technology to Do More with Less’

June 15: Comcast Business will present “How to Leverage Technology to Do More With Less,” part of the BusinessWest/HCN Lecture Series, at the Lyman & Merrie Wood Museum of Springfield History, 21 Edward St., Springfield. Registration will begin at 7:15 a.m., followed by breakfast and a panel discussion from 7:30 to 9 a.m. The panelists — influential minds in the IT field — will discuss issues that every business IT department is being forced to deal with, including rising demands to make changes to existing systems, increasing efficiency and improving security, and how budget restrictions impact IT. Panelists include Michael Feld, CEO, VertitechIT, and interim CTO, Baystate Health and Lancaster General Hospital; Frank Vincentelli, chief technology officer, Integrated IT Solutions; and Patrick Streck, director, IT Services, Baystate Health / Information & Technology. Admission is free, but pre-registration is required by June 7. Register online HERE, or call (413) 781-8600 for more information.

40 Under Forty

June 16: The 10th annual 40 Under Forty award program, staged by BusinessWest, will be held at the Log Cabin Banquet & Meeting House in Holyoke, honoring 40 of the region’s rising stars under 40 years old. Their stories were told in the pages of the April 18 issue. The winner of the second annual Continuing Excellence Award, honoring a past 40 Under Forty honoree who has continued to build on his or her success, will also be revealed at the gala. The event is sponsored by Northwestern Mutual and Paragus Strategic IT (presenting sponsors), EMA Dental, Health New England, Isenberg School of Management at UMass Amherst, Moriarty & Primack, United Bank, and the Young Professional Society of Greater Springfield.

Daily News

SPRINGFIELD — Comcast Business will present “How to Leverage Technology to Do More With Less,” part of the BusinessWest/HCN Lecture Series, on Wednesday, June 15.

The event will take place at the Lyman & Merrie Wood Museum of Springfield History, 21 Edward St., Springfield. Registration will begin at 7:15 a.m., followed by breakfast and a panel discussion from 7:30 to 9 a.m.

The panelists — influential minds in the IT field — will discuss issues that every business IT department is being forced to deal with, including rising demands to make changes to existing systems, increasing efficiency and improving security, and how budget restrictions impact IT.

Panelists include Michael Feld, CEO, VertitechIT, and interim CTO, Baystate Health and Lancaster General Hospital; Frank Vincentelli, chief technology officer, Integrated IT Solutions; and Patrick Streck, director, IT Services, Baystate Health / Information & Technology.

Admission is free, but pre-registration is required by June 7. Register online here, or call (413) 781-8600 for more information.

Employment Sections

Hire Education

By SARAH LEETE TSITSO

Maria Cokotis

Maria Cokotis, assistant director of Career Development for the College of Business at Western New England University, helps Michael Jednak, a senior finance major, prepare for a job opportunity at a company in Boston.

Within weeks, the job market will be flooded with newly minted college graduates clutching both diplomas and dreams of the perfect job — or at least a solid opportunity with which to begin their chosen career.

Andrea St. James, director of the Career Development Center at Western New England University, said most young professionals will fare well in their pursuits given the current economic climate — particularly those who have completed their degrees in subject areas where there is high demand for trained, qualified candidates.

And that description certainly pertains to sectors including information technology, computer science, information management, accounting, actuarial science, and business analytics.

Candice Serafino, interim director of UMass Amherst Central Career Services, agrees that many of the technical majors are seeing high rates of employment upon graduation. For some students at UMass, job offers have been coming for several months now.

“There is high demand for all of the STEM [science, technology, engineering, and math] majors,” said Serafino. “For many of these jobs, firms are recruiting students in the fall semester. These students are faring quite well, and already have their jobs lined up well before graduation. Employers are looking for the analytical and problem-solving skills these students possess.”

The ability to creatively solve problems is a common theme for this year’s graduating seniors, with career counselors crediting this skill with their success in the job market.

Andrea St. James

Andrea St. James says career-services professionals and students need to have frank, honest conversations about which jobs are hot — and which are not.

“Employers are finding that this cohort of students is filled with lifelong learners who use their critical-thinking skills to approach problem solving,” said Serafino. “Our students are looking at problems from a big-picture perspective, communicating at a high level, and working as part of a team to achieve results. They are motivated, hardworking, upwardly mobile, and resourceful. All of this makes them very appealing to employers.”

St. James agrees, noting that the 2016 graduates are comfortable sharing their opinions, are willing to take calculated risks, and have a desire to work for innovative entrepreneurs.

“Employers are going to see young professionals who are hungry to gain experience while, at the same time, making a difference in their communities,” she said. “They are a creative bunch who are ready to add value to organizations across the board.”

Laurie Cirillo, executive director of career and life planning at Bay Path University, told BusinesWest she believes this generation is sometimes “misunderstood,” with some employers believing these young professionals want high salaries and accolades without putting in the requisite work.

“That’s just not true,” she said. “The work ethic is there — when employers are able to find what motivates them. My experience with this generation is that they are pushing hard to excel and achieve. They take risks and are not afraid to try something new. Employers can catch this wave and cultivate some pretty extraordinary talent.”

Entrepreneurial thinking is a skill many of these young professionals have cultivated, which means more are looking for outside-the-box opportunities when it comes to employment.

“We’re seeing students who want to create their own machine instead of being a cog in someone else’s,” said Serafino. “Students are interested in innovative startups and niche jobs.”

Finding Their Niche

When it comes to niche professions, Cirillo noted that providing new, cutting-edge majors is critical for students’ long-term success.

She said areas like healthcare and information technology are booming, with high levels of job placement for graduates.  Total enrollment at Bay Path has grown 42% since 2011, with 100% growth in graduate programs since 2001, primarily in Occupational Therapy, Physician Assistant, Clinical Mental Health Counseling and Accounting.

She added that 96% of the 2015 graduates from the university’s traditional-student programs are employed, enrolled in graduate school, or both. She also noted that the state’s unemployment rate for March was 4.4%, well below local and national average, another benefit for job seekers. Overall, she attributes the success of Bay Path graduates to strategic decisions to offer programs and majors that reflect hiring trends and needs within the workforce.

“We build our programs and majors around where we see job growth,” Cirillo said, citing Bay Path’s new cyber security major as just one example.

Laurie Cirillo

Laurie Cirillo says she believes the current generation of students is largely “misunderstood” by employers.

Serafino said UMass takes the same approach. This year, the university noted an increase in employer interest in its life-sciences programs, so it held a career fair specifically for those students and prospective employers. “It was hugely successful, and we plan to expand on it next year.”

But if some fields are at various levels of ‘hot,’ others are cooling off, having reached a saturation point in today’s competitive job market. St. James said she’s seen a “leveling off” in law, education, communications, and marketing, for example.

And such trends warrant frank discussions between career-services professionals and students pursuing degrees in those fields, she went on.

“When we have students pursuing a major where we’re noticing a market saturation or fewer potential jobs, we’re poised to have an honest conversation with them, advising them to look at different opportunities where they can still utilize their skills and be successful,” said St. James. “In these cases, students need to look at what else they can do to diversify and translate their skills [into a career]. We want them to be ready when the economy shifts or new innovations change the marketplace.”

Serafino agrees that jobs in certain creative fields are experiencing a slowdown. However, she notes that technology and other innovations have shifted the demand to new niches. For example, the need for social-media professionals is opening up a whole new area of career opportunities for graduates.

Degrees of Success

Another challenge many college graduates are facing is the need for advanced degrees. Having a bachelor’s degree is often required, but in many industries it is becoming just as important to have a master’s or other advanced degree.

“You can still get a position in your field, but if you want to move up, master’s degrees are becoming the new bachelor’s degree,” said St. James. “We are also seeing an increased need for certificates and advanced study for certain professions, which is creating a niche market for specific areas of expertise.”

At Bay Path, where some of the most popular majors are science-based, advanced degrees are a necessity. Areas of study with high rates of students seeking advanced degrees include occupational therapy, physician assistant, accounting, clinical and mental-health services, and education (special education in particular).


Click HERE for a list of Western Mass. Employment Agencies


Even though some careers are now requiring a higher level of education, Serafino said she is still seeing many undergraduates who are able to secure great jobs. The question is, how are they doing it?

All three career-services professionals agree that there are several ways graduating students can get a leg up on their competition in the open market.

The first is by connecting early and often with career counselors. This includes attending job fairs, being paired with mentors who have experience in the student’s chosen field, and job-shadowing opportunities.

St. James noted that Western New England University is part of the College Career Centers of Western Massachusetts, along with American International College, Bay Path University, Holyoke Community College, Elms College, Westfield State University, Springfield College, and Springfield Technical Community College. Together, this collaborative recently hosted a career fair that helped cross-promote the colleges while also providing a one-stop shop for prospective employers.

“Hosting a career fair that is open to eight colleges really allows businesses to see the breadth and depth of the candidates we have here in Western Mass.,” said St. James. “We had a number of large employers in attendance who really got a chance to see a range of candidates from a wide variety of majors and schools.”

Serafino said UMass also hosted a number of job fairs this year, bringing more than 500 employers to that campus.

In terms of providing students with the information and guidance they need to prepare for the workforce, St. James said it is important to have career counselors with real-world experience in a specific industry.

“Our career counselors need to be able to connect students with professionals in the industry so those students can have real conversations and experiences with innovators who are working in the trenches,” she said.

Cirillo said career exploration is built directly into the curriculum at Bay Path, from the student’s first year until they complete their course of study.

“We want every student to have a plan for the future before they cross that stage on graduation day,” she said. “We spend four or more years preparing them to make connections, continuously think about and modify their education and life plan, and take the steps they need to be empowered and successful in whatever career they have chosen.”

Second, internships are more crucial than ever. Bay Path University requires internships for nearly all of its undergraduate students, for example.

Cirillo said studies have shown that employers are more likely to hire a candidate if he or she has a grade point average above 3.0 and has experience in the field. Internships provide that experience and, for many prospective employees, enable them to make connections within their industry that can lead to permanent positions. Internships help students feel confident in their chosen career path, as well as provide them with experience that often translates into higher starting salaries.

At Western New England University, students are eligible for an academic internship in their junior year. St. James noted that some majors require an internship, while others do not. That said, St. James said her career counselors always recommend internships, whether or not the student receives course credit for the experience.

“For most students, they have never done any real work in that career field,” she said. “Internships help students determine if they really want to do such work and if that career is right for them. Experiencing it first-hand, as early as possible, either reaffirms their career choice or enables them to redirect their efforts.

“When our students take that first step into the workforce, it can be a scary experience, especially if they have no knowledge or realistic expectations about work in the field,” she went on. “That can make the transition into the workforce much more difficult.”

Serafino said internships are a win/win proposition, often ensuring that talented young professionals stay in the area. She noted that employers like hiring students who have interned with their company, because those interns have a better understanding of that organization’s needs and culture.

At UMass, Serafino said a recent survey showed that close to 65% of seniors in the class of 2015 participated in some type of experiental learning, whether it was a formal internship, community-service opportunity, or job shadowing.

Cirillo also noted that internships can keep talent local.

“Employers who offer internship opportunities are cultivating their own pipeline,” she said. “It helps keep talent here in our region.

Balancing Act

As students celebrate their graduation, they are also experiencing anxiety.

Debt is front of mind for many, and so is the desire for that elusive work/life balance. As St. James noted, students want to work for companies that are socially responsible and that offer opportunities for employees to volunteer in the community. Some students want to wear a suit every day, but some don’t.

This duality is challenging for employers looking to attract and retain young talent. One commonality is a desire for mentors, and the development of strong relationships among co-workers.

“Those relationships are important to this generation of employees,” said St. James. “They need to like and value their jobs and the people around them. For them, it’s about more than a paycheck. It’s about forming relationships that have value, making a difference, progressing within their chosen field, and building a strong network. That’s what our students are looking for as they enter the job market.”

Construction Sections

Work in Progress

American Environmental’s Tom MacQueen

American Environmental’s Tom MacQueen says employees of construction-related companies appreciate having steady work close to home.

With construction on the MGM Springfield casino underway, plenty of local businesses — 40 to 50 over the next six to nine months — will have worked on the project in its first phase. But that’s just the beginning, say city and regional business leaders, who say MGM has forged a number of strategic partnerships to ensure that even more area companies — those in construction, but also providers of myriad other services — benefit from this $900 million effort.

Construction is moving forward on the 14.5-acre MGM Springfield site between Union and State streets and Columbus Avenue and Main Street.

About 70% of the footprint for the garage, casino, hotel, and outdoor space has been cleared, and about 45 local and non-regional companies have been employed during the process.

Work to compact the ground and get it ready for the garage, which will be the first structure built, is taking place now. Demolition is also still occurring in the area where the casino and hotel will be built, and on April 19 the First Spiritualist Church was moved 600 feet from its former home on 33-37 Bliss St. in preparation for placing it on a new foundation.

Brian Packer, MGM’s vice president of construction, told BusinessWest that one building and the rear portion of the State Armory still need to be knocked down. In addition, the rear of two structures, 73 State St. and the Union Chandler Hotel, whose historic front facades will be preserved, also still need to be demolished once the facades are secured and braced.

“We are encouraged by the tremendous progress MGM Springfield has made over the last several months. As we begin the next phase of construction, our outreach efforts will focus on electrical, mechanical, and drywall,” he said. “We anticipate announcing dates for information sessions soon for union companies interested in these jobs. MGM Springfield continues to support the involvement of local businesses — and minority-, woman-, and veteran-owned businesses — and we encourage these companies to participate in the process.”

Eric Nelson, vice president and project executive for Tishman Construction Corp., the general contractor overseeing the MGM build, said a concerted effort has been made to hire as many local subcontractors as possible in keeping with the project labor agreement, and they will continue to hire firms over the next 12 months.

“A significant amount of the work has gone to firms in Springfield and the surrounding communities,” he said.

Local businesses benefiting from the trickle-down effect include American Environmental Inc., a minority-owned Holyoke business which did a significant amount of abatement and some demolition; Ultimate Abatement, a woman-owned firm in Springfield, which received a large contract to do abatement on the former YWCA building; Gagliarducci Construction Inc., which handled site work; and New England Blue Print Paper in Springfield, which has contributed printing and copying services.

Within the next six to nine months, Packer said, 40 to 50 local companies will have worked on the project, and the majority are in Springfield.

Gerry Gagliarducci, owner of Gagliarducci Construction Inc., said he has had a crew on site since last year. The company has done exploratory work for underground utilities, screened excavated materials for reuse on the site, and, most recently, conducted preparations needed to move the church.

“We’ve enjoyed our relationship with MGM and Tishman Construction. This project is a big boost to the local economy and carries down to all areas of business, including fuel for vehicles, lunches, and major expenditures,” he noted, adding that workers with good-paying jobs may buy new automobiles or make other major purchases.

Work for local firms has come about in part because MGM has been reaching out to the business community for several years to initiate strategic partnerships and discussions. They also participate in events such as the annual Western Mass. Business Expo, staged by BusinessWest, and have held informational sessions for contractors, which will continue before substantial work comes up for bid.

Brian Packer

Brian Packer, pictured in front of the First Spiritualist Church during its 600-foot relocation, says MGM expects to reach out soon to local firms for electrical, mechanical, drywall, and other types of work.

Local providers have also benefited. They include Caring Health in Springfield, which won the bid for the drug-testing portion of the contract and has tested every construction employee on the site, as well as Arrow Security Co. Inc., which has provided security services for the property since the construction began.

“The project has definitely been beneficial to us,” said Arrow CEO John DeBarge. “Prior to the recession, 10% of our business was new construction. It went to 0%, and MGM is the first substantial project we’ve obtained, which helps our business and our employees. We’ve hired a number of new employees who are Springfield residents.”

At this point, the abatement and demolition is almost complete, site work is starting, and construction of the framework is expected to begin in the fall.

Outreach Efforts

Jeffrey Ciuffreda, president of the Springfield Regional Chamber, said his organization has an excellent relationship with MGM, and is working closely with the company to make sure local businesses benefit not only during the building process, but once the casino is operational.

He noted that MGM’s agreement with the city of Springfield includes spending $50 million annually on local goods and services after it opens, but said the word ‘local’ is relative, and includes Hampden, Hampshire, Franklin, and Berkshire counties.

So far, MGM has carried out its end of the contract and joined with the Springfield Regional Chamber to host two supplier and vendor fairs attended by its former vice president of global procurement, who came from Las Vegas to highlight opportunities for local businesses and provide strategies and insights for doing business with the casino. A vendor fair was also staged in Holyoke in conjunction with the Greater Holyoke Chamber of Commerce.

Businesses doing construction work have to be unionized, but suppliers and service providers do not when the project opens. However, they do have to be registered with the Mass. Gaming Commission.


Click HERE to download a chart of the region’s General Contractors


Companies hired so far tout the benefits of the project to the regional economy. They include American Environmental Inc., which has done a significant amount of work on the project. It won the first abatement contract, has been working for MGM since last March, and since that time has been awarded a half-dozen additional abatement contracts and an equal number of structural take-down contracts that have included demolishing the former YWCA on Howard Street, which dated back to the 1900s and most recently housed the Western Massachusetts Alcohol Treatment Center; the former St. Joseph Rectory on Howard Street; and the Springfield Rescue Mission on Bliss Street, which relocated to the former Orr Cadillac building on Mill Street, which the casino resort provided in exchange for the mission’s former property.

“It’s been a wonderful foundation project for the entire calendar year,” said Tom MacQueen, American Environmental’s general manager, adding that area employees appreciate having steady work close to home and MGM has done a great job identifying qualified, local contractors.

In addition, American Environmental has been introduced to new contractors on the site and made arrangements to work with them in the future, which is an extra benefit of working on the project.

T&M Equipment Corp. in Springfield is another local company benefiting from the ripple effect. The union-affiliated contractor was hired to do excavation work for the garage and hotel and has been on site for about a month.

“This is great for local companies, and we are excited to work with MGM and be part of history in Springfield,” said Project Manager Taylor Wright. “This site is really large and will not only bring more work to area companies, but will allow more people to be employed from local unions.”

MGM is working to increase union construction workforce opportunities, and has convened a Community Partners Network, which has grown from nine to 21 members. The network holds biweekly meetings to identify ways to recruit diverse populations that meet union requirements and are ready to join a union or a union joint apprenticeship and training committee, and also recruit people who may not meet union requirements and need supportive services and soft-skills training.

MGM has also met with a number of trade unions to share construction timelines, potential partnerships, and other issues pertinent to hiring. They include the Carpenters Union #108; the Painters & Allied Traders Council #35; Ironworkers Local #7; and a bevy of other groups. In addition, a construction diversity task force has been formed.

Outreach continues, and MGM Springfield and Tishman are exploring the possibility of developing an ongoing partnership with Putnam Vocational Academy students interested in joining unions and working on the Springfield job site.

The Springfield Regional Chamber created a list of members for MGM that could do construction-related work, and goals have been established by the Mass. Gaming Commission for doing business with certified minority-, woman-, and veteran-owned companies.

Ciuffreda has also told MGM about local companies that manufacture windows and other supplies that will be needed during construction, and said officials have expressed real interest in them.

900 million project

With the $900 million project only in its early stages, MGM expects to involve many more local workers.

“The door was open early on, and although we can’t offer our members any guarantees, as the construction unfolds we will make sure that MGM’s list continues to be updated,” he told BusinessWest, adding that MGM has divided chamber members into categories and given the list to contractors, who are encouraged to use local suppliers.

“We’ve told our members that MGM is a world-class organization and is big on quality, quantity, and cost,” Ciuffreda noted, adding that some local firms may be too small to be competitive in terms of pricing or unable to produce the large number of items needed.

However, the chamber has filed a grant request with the Gaming Commission that would allow it to provide technical assistance to businesses. Funds will be targeted toward minority-, woman-, and veteran-owned firms that wish to do business with the casino.

MGM’s future needs will be seemingly endless, and goods and services needed will range from security to special hardware, signage, exterminators, alcoholic beverages — the casino has already agreed to work with local craft-beer producers — to food, which Ciuffreda said could be supplied by farmers in the Pioneer Valley. Other non-gaming vendors will include linen suppliers, garbage handlers, and limousine service companies. However, the majority of those firms won’t be hired for more than a year from now, when advertisements and meetings will provide interested businesses with the information they need.

“We are on track for the September 2018 opening and are excited to share in the economic growth,” said Seth Stratton, vice president and general counsel for MGM Springfield. “The silver lining is that there is still plenty of time for businesses to ramp up or start with us, and as we get closer to the opening, we will step up our own processes and procedures to formally do outreach with the business community so we can spend the amount of money we have agreed to in our contract.”

Keeping Pace

Ciuffreda said MGM will do well because it is a behemoth with an established history, but its future success will be measured by the impact it has on local companies. At this point, MGM is doing everything it promised, he noted, but the chamber will continue its quest to make sure its members benefit from the spinoff.

For example, the chamber has a 100-page document listing items that MGM Detroit purchases, and Ciuffreda intends to sit down with officials and find out what is procured from national companies and what could be supplied locally to fulfill the $50 million annual agreement as things move forward.

“We won’t leave any rocks unturned,” he told BusinessWest. “The trickle-down effect is not only going to happen, it’s happening right now and will continue to grow.”

Construction Sections

Fertile Environment

GreenUrban-519278869Companies involved in U.S. construction plan on intensifying their involvement in green building over the next three years, according to the new World Green Building Trends Study from Dodge Data & Analytics, conducted with support from United Technologies Corp. and its UTC Climate, Controls & Security business. The U.S. is also one of the global leaders in the percentage of firms expecting to construct new green institutional projects and green retrofits of existing buildings.

The global study, which received additional support from Saint-Gobain, the U.S. Green Building Council, and the Regenerative Network, positions the U.S. as a strong participant in the global green movement. Responses from more than 1,000 building professionals from 60 countries place the U.S. green industry in context. The study also provides specific comparisons with 12 other countries from which a sufficient response was gained to allow for statistical analysis: Australia, Brazil, China, Colombia, Germany, India, Mexico, Poland, Saudi Arabia, Singapore, South Africa, and the United Kingdom.

According to the report, U.S. construction should see an increase in the share of green work in the next few years, largely as a result of companies intensifying their involvement in the green-building industry. An increasing percentage of respondents projected that more than 60% of their projects would be green projects — from 24% of respondents in 2015 to 39% in 2018. Respondents projecting that fewer than 15% of their projects would be certified green plummeted from 41% in 2015 to 27% by 2018.

Worldwide Trend

While this increased share of green building is impressive, it is significantly less than many developing countries included in the survey. For example, Brazil expects six-fold growth (from 6% to 36%) in the percentage of companies conducting a majority of their projects green, five-fold growth is expected in China (from 5% to 28%), and fourfold growth is expected in Saudi Arabia (from 8% to 32%).

“The strong U.S. industry for green-building projects is clearly an opportunity for U.S. firms, but so is the rapid rise of green in many of the developing countries,” said Stephen Jones, senior director of Industry Insights, Dodge Data & Analytics. “Expertise from experienced green designers, builders, and manufacturers from the U.S. is likely to be essential to support the aggressive green-building expectations revealed by the study respondents.”

In the U.S., the highest percentage of respondents report that they expect to work on new green institutional projects (such as schools, hospitals, and public buildings), green retrofits of existing buildings, and new green commercial construction (such as office and retail buildings) in the next three years. When compared with global averages, it becomes clear that the U.S. is a leader in new green institutional construction and green retrofits of existing buildings. For example:

• 46% of U.S. respondents expect to work on new green institutional buildings, compared to 38% globally; and

• 43% of U.S. respondents plan to work on green retrofits of existing buildings, again well above the global average of 37%.

The U.S. is also distinguished from the global findings in terms of the importance it places on reducing energy consumption as an environmental reason for building green. Over three-quarters (76%) of U.S. respondents consider this important, nearly double the percentage of the next most important environmental factor, which is reducing water consumption. While the other 12 countries in the study prioritize the reduction of energy consumption, only Germany, Poland, and Singapore do so to the same extent.

“The survey shows that global green building activity continues to double every three years,” said United Technologies Chief Sustainability Officer John Mandyck. “More people recognize the economic and productivity value that green buildings bring to property owners and tenants, along with the energy and water benefits to the environment, which is driving the green-building industry’s growth. It’s a win-win for people, planet, and the economy.”

Cost and Value

The study demonstrates the benefits of building green, with median operating cost decreases for green buildings of 9% expected in just one year globally. Building owners also report seeing a median increase of 7% in the value of their green buildings compared to traditional buildings, an increase that is consistent between newly built green buildings and those that are renovated green. These business benefits are a critical driver for the growth of green building anticipated globally.

The U.S. is also notable for having the lowest percentage of respondents who report that their company uses metrics to track green-building performance. Only 57% of U.S. respondents report using metrics, compared to a 75% average globally. This may be linked to the fact that the U.S. is also the country with the highest level of concern reported about higher perceived first costs for green building, notably more than the percentage who consider this an important challenge to building green in other developed countries with active construction markets, like Germany and the U.K. u

Dodge Data & Analytics, which prepared this article, is a leading provider of data, analytics, news, and intelligence serving the North American construction industry.

Building Permits Departments

The following building permits were issued during the month of April 2016.

AGAWAM

Pleasant Hill Village
25 Pleasant Hill Dr.
$498,000 — Exterior renovations

Pleasant Hill Village
25 Pleasant Hill Dr.
$260,000 — Alterations to community building

Town of Agawam
760 Cooper St.
$7,950,000 — Construct a concession building, new athletic field, and renovate existing locker rooms

AMHERST

Middle Hampshire Development Group, LLC
31 Hall Dr.
$27,500 — Repair water damage from frozen pipes

HADLEY

Morningstar Church, Inc.
11 North Main St.
$6,000 — Interior renovations

LUDLOW

Black Diamond Development
485 Holyoke St.
$18,000 — Alterations

Xu Sheng, LLC
221-223 East St.
$8,000 — Alterations

NORTHAMPTON

Coolidge Northampton, LLC
243 King St.
$5,000 — Interior renovations at Domino’s

Gaev Bennett
95 South St.
$3,000 — Repair water damage

Norma Lee Realty Trust
90 King St.
$4,000 — Interior renovations

Northampton Four, LLC
338 King St.
$95,000 — Redesign and modernize fascia and alter vestibule

Rogers Hall
47 Roundhill Road
$3,758,000 — Convert Rogers Hall to 15 apartments

Thornes Marketplace, LLC
150 Main St.
$110,000 — Renovate interior for Herrell’s

Webs
82 Conz St.
$10,000 — Construct wall to create office space

PALMER

Keith Construction
1 Beacon Dr.
$30,000 — Renovate apartment to meet UFAS standards

Old Pond  Elementary School
4107 Main St.
$18,342 — Exterior renovations

SOUTH HADLEY

Cinderelli’s
480 Newton St.
$13,000 — Re-roof

Michael E. Smith Middle School
100 Mosier St.
$150,000 — Install security modifications in lobby

South Hadley Post Office
1 Hadley St.
$206,000 — New roof

SPRINGFIELD

Baystate Health
759 Chestnut St.
$502,000 — Renovate pharmacy area into new command center

Kaitlin O’Hara
100 Brookdale Dr.
$400,000 — Renovations

Newport Development
379 Allen St.
$163,000 — Interior fit-up for Dollar Tree in existing building

Ronald McDonald House
34 Chapin Terrace
$67,000 — Interior renovations

Tom Hodouanek
300 Stafford St.
$476,000 — Renovate existing cardiology office

Woodruff Realty, LLC
90 Fisk Ave.
$36,000 — Convert warehouse to a meeting/training room

WEST SPRINGFIELD

DDR Corporation
935 Riverdale St.
$325,000 — Combine two tenant spaces at the Riverdale Shops

Hampden County Improvement
1305 Memorial Ave.
$43,000 — New roof

Sherwin Williams
835 Memorial Ave.
$30,000 — Cosmetic makeover of showroom

Sunnyside Corporation
177 Norman St.
$85,000 — Erect a 3,720-square-foot storage building

Toni Sorcinelli
781 Fairview Ave.
$9,000 — Exterior renovations

Departments People on the Move
Arlene Rodriguez

Arlene Rodriguez

The Professional Women’s Chamber (PWC) announced that Arlene Rodriguez, Vice President of Academic Affairs for Springfield Technical Community College, has been named the PWC 2016 Woman of the Year. The Woman of the Year is presented to a woman in the Western Mass. area who exemplifies outstanding leadership, professional accomplishment, and service to the community. The award has been given annually since 1954 and is publically recognized as one of the most prestigious honors given to any citizen for distinguished service and selfless giving.

“We’re thrilled with this year’s honoree — a truly inspiring and accomplished woman like Dr. Rodriguez,” said PWC Board President Janet Casey. “She is a trailblazer amongst women and a staunch advocate for education, empowerment, and advancement, and her passion to help young people succeed is unparalleled.”

A celebration in her honor will be held on Tuesday, May 24 at 5:30 p.m. at the Carriage House, Storrowton Tavern, 1305 Memorial Ave., West Springfield. Reservations are $55 and may be made online at www.springfieldregionalchamber.com or by contacting Kara Cavanaugh at [email protected]. At STCC, Rodriguez oversees all faculty in the academic schools at the college, and formerly was the school’s dean of the School of Arts, Humanities and Social Sciences. She has also served as the Honors College coordinator and professor at the college, and is the first Latina vice president of academic affairs at the College.

Rodriguez grew up in New York City, spending each of her summers in Aibonito, Puerto Rico, a rural mountain town where her parents’ roots grow deep. Life in New York taught her an appreciation for an expansive, fast-paced city life with all peoples, cultures, and languages, while Aibonito showed her the importance of family, neighbors, and their stories. Born in the Bronx to parents who never finished high school, Rodriguez, the youngest of four, learned to read by reading articles aloud from the newspaper to her mother as she cooked breakfast every morning. At a young age, she developed a love for the written word, devouring everything from newspapers to magazines and classic literature. Rodriguez speaks English and Spanish, and longs to add Italian to that list. Her love of literature led her to earn three degrees in English, including her undergraduate degree from Fordham University, a master’s from Lehigh University, and her doctorate from UMass Amherst.

Rodriguez has been a journalist and a short-fiction writer. For more than 10 years, she taught English at Springfield Technical Community College. She has served as the college’s dean of the School of Arts, Humanities, and Social Sciences from 2005 to 2015, when she was then promoted to vice president of Academic Affairs, the first Latina to serve in that position. She was recently honored with the Springfield Women’s Commission Unsung Heroine Award, was named among BusinessWest’s 40 Under Forty in 2007, and was honored with the STCC Anthony Scibelli Endowed Chair in 2005.

She is a member of the YWCA Board of Directors, and serves on Springfield’s Rosa Parks Organizing Committee, the Springfield Ward 7 Democratic City Committee, the Springfield Armory Council, and the WGBY Board of Tribunes and Latino Advisory Board.

•••••

Florence Bank, a mutually owned savings bank serving the Pioneer Valley through nine branch locations, has promoted Kurt Shouse of to the position of Information security officer/cyber security administrator. Shouse joined Florence Bank in 2014 as a cyber security administrator. He earned a bachelor’s degree from UMass Amherst, as well as a master’s in cybersecurity, with a concentration in computer forensics and cyber operations. He also has earned a Global Essentials Security certification. Florence Bank President and CEO John Heaps Jr., said, “we’re pleased to promote Kurt to this expanded role with our bank. We take a very proactive stance where security and information security is concerned, and Kurt is someone whose expertise will continue to be of great value to our bank and our customers.”

•••••

Jean Deliso

Jean Deliso

Jean Deliso, CFP, from the CT Valley General Office of New York Life, recently joined a select group of agents who are authorized to offer AARP members a range of financial solutions through AARP life insurance, annuity, and long-term-care options from New York Life. To become part of this group of agents, Deliso followed a certification process established by New York Life, which includes extensive training on products and regulations, education on evaluating client needs, state licensing, and a commitment to service. AARP Services, AARP’s for-profit subsidiary, provides quality control over the certification process and training. Deliso is president and owner of Deliso Financial and Insurance Services, a firm focusing on comprehensive planning designed to help position clients for a solid financial future. Her extensive experience in several areas has helped lead to a reputation for certain specializations, such as assisting people in planning for their financial future, particularly in preparation for retirement as well as in times of transition such as divorce or widowhood. After graduating from Bentley University, Deliso spent seven years in the public accounting profession before transitioning to financial services, in which she has been working for more than 20 years. New York Life has been offering AARP-branded products to AARP members since 1994. Since then, the relationship has grown to include a portfolio of annuity products (added in 2006) and, most recently, long-term care options in 2016.

•••••

David Bohl

David Bohl

Garvey Communication Associates Inc. (GCAi) recently announced that David Bohl has been promoted to digital marketing analyst. GCAi also announced that Bohl is now the agency’s third Google AdWords qualified planner. Bohl started his career at GCAi in 2014 as a digital marketing intern. When he was hired as digital marketing assistant by GCAi in 2015, he began to develop e-mail marketing campaigns. Mr. Bohl now manages content marketing, e-mail marketing, and social-media marketing campaigns for GCAi and clients in entertainment, healthcare, financial services, manufacturing, and hospitality.

He also presented, along with Google, Carbonite, Corporate Ink, and Brandwatch, on e-mail marketing at the recent Digital Marketing Innovation Summit in Hyannis. As a Google AdWords qualified planner, Bohl is required to pass tests in the areas of AdWords fundamentals, search advertising, display advertising, and video advertising on a recurring basis. GCAi is the only agency in the region to hold the Google Partner status. Bohl is a magna cum laude graduate of Western New England University in Springfield, where he earned a bachelor’s degree in communications with a concentration in public relations. He is a member of the Advertising Club of Western Mass. and the Young Professional Society of Greater Springfield, and is an associate member of the Public Relations Society of America.

•••••

van Schouwen Associates, LLC (vSA) announced the addition of Todd Lucht as art director and web developer for its business-to-business marketing team. Lucht adds extensive graphic and interactive design and creative software engineering to vSA. As the head of creative for Sounds True, a Colorado-based multi-media publisher, Lucht most recently oversaw that firm’s art direction and brand management. Previously, he supervised the art department for mortgage broker Urban Lending Group and worked with Florida-based ad agency Provident Creative. “Todd’s interactive development and design skills will enhance our programs for our many business-to-business clients,” said Michelle van Schouwen, vSA president. “His experience producing digital assets will appeal to our clients as B2B and launch marketing rapidly continue to expand.” Lucht has a master’s degree in technology management from the University of Denver and a bachelor’s degree from International Fine Arts College. He has developed asset-management websites and applications, motion graphics, and online catalogs. In addition to his work in the creative and marketing industry, Lucht played professional hockey in Russia for four years.

40 Under 40 The Class of 2016
William Reichelt

William Reichelt

West Springfield Mayor; Age 28

When Mayor Edward Sullivan informed him last April he would not be seeking re-election, William Reichelt’s first thoughts were about job security — or an almost certain lack of it, to be more precise.

Indeed, Reichelt was serving West Springfield, home of the Terriers, as its solicitor, or attorney, at the time, and this office holder serves at the discretion of the mayor. So Sullivan’s decision to limit his stay in the corner office to one two-year term left Reichelt thinking about where, and for whom, he would be working next.

But soon, the tone of the employment conversation would take a dramatic turn. Prompted by encouragement from friends and family — not to mention abundant self-confidence in his ability to do the job at the age of 28 — Reichelt would soon become a candidate for the office himself.

In doing so, he would call on years of service to his hometown that began when he was only 21 and included stints on the Planning Board, the Housing Authority, the Pioneer Valley Planning Commission, and, eventually, the job of solicitor. But while those in City Hall knew him, relative few voters did. Thus, he waged an aggressive campaign that would change that equation, and he would eventually triumph over state Rep. Michael Finn in last November’s election.

Only three months into the job, Reichelt says he’s still learning it, a process he didn’t fully appreciate as solicitor but certainly does now.

“I’ve discovered that there’s a big difference between advising the mayor and being mayor — there’s been some adjusting,” he told BusinessWest, adding that he must find time for such things as greeting monks walking through his city on their way to Washington to protest nuclear weapons and taking part in the inaugural burger-building competition at Classic Burgers, while also forwarding his five-point plan for progress.

Planks in that platform include maintaining an accessible, approachable, and accountable administration; providing a safe community; investing in strong schools; kick-starting business development; and fighting blight.

He said that, while he’s making those aforementioned adjustments, he’s already making headway with implementing pieces of that plan.

“It’s going well — it’s hectic, and there’s a lot going on,” he said of life in the corner office. “There’s curveballs coming at you every day, but it’s fun, and I really enjoy it.”

In the meantime, he’s let it be known to everyone, including his city solicitor, that, come next year, he’ll be a candidate for re-election.

— George O’Brien


Photography by Leah Martin Photography

Daily News

FLORENCEFlorence Bank, a mutually owned savings bank serving the Pioneer Valley through nine branch locations, has promoted Kurt Shouse of to the position of information security officer/cyber security administrator.

Shouse joined Florence Bank in 2014 as a cyber security administrator. He earned a bachelor’s degree from UMass Amherst, as well as a master’s in Cybersecurity, with a concentration in computer forensics and cyber operations. He also has earned a Global Essentials Security Certification.

Florence Bank President and CEO John F. Heaps, Jr., said, “we’re pleased to promote Kurt to this expanded role with our bank. We take a very pro-active stance where security and information security is concerned and Kurt is someone whose expertise will continue to be of great value to our bank and our customers.”

Daily News

SPRINGFIELD — Spectrum Business Enterprise Solutions will host a free panel discussion on network security and IT trends for area businesses on Thursday, April 28 from 11 a.m. to 1 p.m. at the Basketball Hall of Fame in Springfield. A complimentary lunch and tour of the Basketball Hall of Fame following the event are included.

“Network security past and present, along with risks moving to the cloud, are increasing concerns for businesses of any size,” said Mark Holbrook, director of Spectrum Business Sales Engineering. “Participants who attend will learn more about IT trends and how taking the right network security measures can make a huge difference in the way they do business.”

The panel of experts includes Gunnar Peters, director of emerging network products, Spectrum Business; Mark Holbrook, director of sales engineering, Spectrum Business; James Baker, lead information security consultant, Peritus Security Partners; and Joe Connolly, strategic account director, Fortinet. Topics include the latest security and detection and IT trends, network security present and future, security risks moving to the cloud, and business continuity and network diversity.

Space is limited. Register before Tuesday, April 26 at go.enterprise.spectrum.com/experts.in.tech.html or call Robert DeMaria at (774) 239-7018.

Court Dockets Departments

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

GREENFIELD DISTRICT COURT

West County Equipment Rentals, LLC v. RN Landscaping and Robert Possiel
Allegation: Breach of rental agreement: $3,922.35
Filed: 1/13/16

HAMPDEN SUPERIOR COURT

John G. Kudlic d/b/a Bear Realty v. Western Mass Electric Co.
Allegation: Negligence and breach of duties causing electrical fire: $147,346.01
Filed: 1/29/16

Clines Cobham v. Walgreen Eastern Co. Inc.
Allegation: Negligence in preparing and dispensing of prescription causing permanent injury: $47,422
Filed: 2/2/16

HAMPSHIRE SUPERIOR COURT

Megan Komosa v. Hulmes Transportation Services
Allegation: Negligent operation of wheelchair-assist lift causing the lift to be lowered onto the plaintiff’s foot: $67,373
Filed: 2/16/16

PALMER DISTRICT COURT

Natalie Cowles v. W&I Construction Inc., John Johnson, and John Nadolski
Allegation: Non-payment of services rendered: $3,000+
Filed: 2/18/16

SPRINGFIELD DISTRICT COURT

Alves Fuel Inc. v. Anderson Services Inc.
Allegation: Non-payment of fuel-delivery services: $33,798.68
Filed: 2/10/16

Polep Distribution Services v. A.S.H Traders, LLC d/b/a Sav More And Mushtaq Yusuf
Allegation: Non-payment of goods sold and delivered: $10,847.10
Filed: 2/26/16

Rubner Enterprises Inc. v. R.A. Morra Construction and Rama Development, LLC
Allegation: Non-payment of materials and services rendered: $9,783.95
Filed: 3/1/16

Thurston Foods Inc. v. Elmcrest Inc. d/b/a 19th Hole and John Haberern
Allegation: Non-payment of goods sold and delivered: $10,898.48
Filed: 2/23/16

WESTFIELD DISTRICT COURT

Charles Kraiza v. Prifti Motors Inc. and Don Prifti
Allegation: Negligence in truck repair causing entire job to have to be redone by another mechanic : $7,000+
Filed: 1/9/16

Jalbert Drywall v. Russo Construction
Allegation: Breach of contract and monies owed for services rendered: $7,200
Filed: 2/10/16

Safe Home Security Inc. v. 1st Stop Cafe Inc.
Allegation: Amount owed resulting from cancellation of service contract: $2,709.60
Filed: 2/10/16

Daily News

SPRINGFIELD — 
State Sen. James Welch will address the Springfield Rotary Club’s luncheon meeting on Friday, April 1. His topic will be the opioid crisis and marijuana-legalization issues that face the Commonwealth.

Welch was elected to the Senate in 2010, representing a district that includes West Springfield, Springfield, and Chicopee. He currently serves as Senate chair of the Joint Committee on Health Care Financing, and is a member of the joint committees on Public Safety and Homeland Security, Election Laws, and Post Audit & Oversight.

The Springfield Rotary Club meets every Friday at 12:15 p.m. in the MassMutual Room at the Basketball Hall of Fame, West Columbus Avenue, Springfield. The April 1 luncheon is $18 per person and is open to the public.
For more information on the Springfield Rotary or becoming a member, contact Mike Healy, membership chair, at (413) 267-1217 or visit www.springfieldmarotary.org.


Education Sections

The Language of Business

Pioneer Valley Chinese Immersion Charter School

At the Pioneer Valley Chinese Immersion Charter School, puppets and other props help young students master the Chinese language.

Richard Alcorn has not forgotten the frustration he felt when he owned a business that imported goods from China and had to communicate with non-English-speaking customers on the other side of the globe.

“There were times when I spent 45 minutes or an hour with an interpreter only to realize they had absolutely no idea what I was talking about,” he told BusinessWest.

That experience, combined with the fact that Alcorn’s wife, Kathleen Wang, wanted their children and others to be prepared to work in a changing, global economy, led the couple to establish Pioneer Valley Chinese Immersion Charter School (PVCICS) in Hadley. It was important to them because both Alcorn and Wang were involved in the Massachusetts Initiative for International Studies, a statewide initiative to instill more international focus into K-12 education.

The school opened its doors in 2007 to kindergartners and first-graders, and today boasts roughly 440 students from 39 communities in kindergarten through grade 11. The continued expansion led the couple to outgrow their space, and last year the school was enlarged with a 40,000-square-foot addition.

Next year, PVCICS will add grade 12, and the first class that will matriculate will receive international baccalaureate diplomas that will open the door to continuing-education opportunities in other countries, while providing students with skills needed to work for Chinese employers or companies that do business in that country.

Through dedication and hard work, Alcorn, Wang, and others who are passionate about their mission have established a new model for education: PVCICS is the first fully articulated K-12 Chinese-language and cultural-immersion public charter school in the country.

“In addition to learning the language, our students learn about cultural differences,” said Wang, the school’s principal, as she explained that small things make a difference; for example, in China, the proper way to hand someone a business card is with two hands, rather than one.

Knowledge of such customs is important to engender respect and good relationships while communicating with Chinese customers, suppliers, and business owners.

“The State Department has deemed Chinese as a language critical to the future of the country’s economic and national security,” Wang said, noting that more employers are looking for people proficient in this language and the country’s cultural norms.

Tricia Canavan, president of United Personnel, a temporary and full-time staffing agency in Springfield, agreed.

“We’re starting to see a demand for employees who speak Mandarin Chinese, and we are recruiting them for jobs,” she said. “It speaks to the global nature of commerce; China is the world’s second-largest economy, and there is a need for fluency in the language.”

Alcorn, executive director of PVCICS, pointed to Chinese-owned CRRC USA Rail Corp., which broke ground in September on a new, $95 million subway-car factory in Springfield, as an example of the presence Chinese companies are establishing in the U.S.

Richard Alcorn and Kathleen Wang

Richard Alcorn and Kathleen Wang, founders of the Pioneer Valley Chinese Immersion Charter School.

“From the time we started this school, it was clear to us that, if local companies want to conduct business with China and local communities want to encourage Chinese companies to make local investments, we need people who know the language,” he told BusinessWest.

“Massachusetts, like all of New England, is trailing the nation in developing language and cultural-immersion programs that offer students the opportunity to develop skills needed to compete globally,” he went on. “When we first opened, there were only 15 Chinese-immersion programs in the U.S., and now there are over 150 public-school programs like this.”

The vast majority of the student body at PVCICS knew no Chinese when they entered, which reflects the growing movement to make students who speak English at home bilingual.

New York City has about 180 dual-language programs where students are learning Arabic, Chinese, French, Haitian-Creole, Hebrew, Korean, Polish, Russian, and Spanish. Delaware and North Carolina have joined their ranks, while 9% of public elementary-school students in Utah are enrolled in dual-language programs, and one in every five kindergartners in Portland, Ore. are in a dual-language program.

“These programs are economic-development initiatives,” said Alcorn. “People in the workforce who are employed in global businesses really need to be bilingual.”

Rapid Growth

PVCICS opened in 2007 with 42 students. Classes were held in a strip mall in South Amherst, and as the student body grew and grade levels were added, the school moved into a 26,000-square-foot former health club in Hadley. The space was completely renovated, and last year the building underwent that 40,000-square-foot expansion to keep pace with the growing number of students.

Growth continues, and demand for seats in this free public charter school is high. Students are chosen by lottery, and more than 100 applications pour in every year for 44 kindergarten slots.

Students can also enter in sixth or ninth grades, and those who do start in introductory Mandarin Chinese, while those who entered in elementary school are in a higher-level Mandarin class.

In grades kindergarten and grade 1, 75% of daily instruction is in Chinese, and 25% is in English. In grades 2 through 5, 50% of instruction is in Chinese, and 50% is in English. As the need for an expanded vocabulary and skills in English grow, the time spent in Chinese classes is decreased. Starting in sixth grade, 25% of daily instruction is in Chinese, and 75% is in English.

Research shows that early immersion in a foreign-language program makes it easier to become fluent. Mandarin Chinese can be especially difficult for adults to learn because the language is tonal and doesn’t have an alphabet.

And PVCICS ninth-graders are proud of their language skills.

Talia O’Shea entered the school in first grade and didn’t really understand what her teachers were saying until the middle of the school year, despite the use of drawings, puppets, and other props. But by the middle of second grade, she was speaking in Chinese.

Today, she does math in the language because she learned it initially in Chinese and says she sometimes finds herself thinking in the language, rather than in her native English.

But she regards the ability to do so as a bonus.

Ninth graders Talia O’Shea, Gabe Crivelli, and Amanda Doe

Ninth graders Talia O’Shea, Gabe Crivelli, and Amanda Doe enjoy learning subject matter in two languages.

“China is a very significant nation in terms of politics and economics on the world stage, so being fluent in both English and Chinese will be a benefit when I get a job,” the 14-year-old told BusinessWest, adding that her proficiency could help prepare her for a government career or allow her to work as a translator.

Amanda Dee also entered PVCICS in first grade, and although she had heard Chinese spoken at home, the language really didn’t take hold until she began conversing with her peers and interacting at school.

“When you learn to speak Chinese at a really young age, it gives you a deeper understanding of the language,” she said.

Ninth-grader Gabe Crivelli entered the charter school in sixth grade because he was seeking a challenging course of academics. He found it at PVCICS, and said the combination of rigorous standards and the challenge of learning a new language exceeded his expectations. He is glad he changed schools, and believes his bilingual skills will help him in the future since he hopes to own a business.

“Students in almost every other country learn a foreign language,” he noted, adding that his sister is also a student at the school, and they sometimes speak Chinese at home.

Parents also tout the school’s benefits. Canavan said she and her husband chose to send two of their sons to PVCICS and are happy they did.

“We felt it was important for our children to be fluent in another language so they could become global citizens,” she said, adding that they were also attracted by the focus on academic rigor and character building.

Ongoing Efforts

Alcorn and Wang tried to get a Chinese-immersion school program started in Amherst before they applied to the state to start a charter school in Hadley. And although their proposal was rejected, today they are happy with the outcome.

PVCICS has been highly successful and was a recipient of the 2015 Confucius Classrooms of the Year Award, which was presented to 10 schools across the world for excellence in teaching and learning, curriculum, cultural richness, community engagement, and extracurricular activities. Only three schools in the U.S. received the award, which Alcorn accepted from the Confucius Institute at its World Conference in Shanghai. In addition, last year its students received some of the highest MCAS scores in the Commonwealth.

Parental demand for the school’s program has fueled its continued expansion. Interest in Chinese has grown, and the school has enjoyed the support of the U.S. Department of Education and the U.S. Department of Agriculture, Rural Development.

In short, this couple’s vision is yielding positive results as PVCICS helps to establish a pipeline of students whose fluency in Mandarin Chinese will enhance the local economy and give them the skills needed to flourish in a fast-changing world.

Cover Story Entrepreneurship Sections

Land of Opportunity

Gokul Budathoki and Mena Tiwari

After years in a Nepalese refugee camp, Gokul Budathoki and Mena Tiwari found a new life — and business — in Springfield.

If all Ascentria Care Alliance did for refugees was help them get established in the U.S. and find jobs, it would be important work. But, thanks to an initiative launched in 2010 called the Microenterprise Development Program, Ascentria is actually putting many of its clients on the road to business ownership, through education, assistance with permitting and other hurdles, and small loans. The result, so far, is a patchwork of intriguing startups across the Pioneer Valley owned by people who truly appreciate their new opportunity, and have their sights set on continued growth.

Mena Tiwari’s story begins much like that of many refugees.

She was born in Bhutan, but, at age 2, her family fled that country’s inter-ethnic conflict, and she wound up in a refugee camp in Nepal, where she spent the next two decades.

While growing up there, owning a business — in the United States, no less — was the furthest thing from her mind.

“Back in the refugee camp, we didn’t get the chance to do anything like that,” Tiwari said, noting that her family ran a little shop in the camp, but it resembled in no way the complexity of opening a store in the U.S.

“Basically, we had a lot of love, but we didn’t have money,” she said, recalling how people would work with their hands — carving sandalwood into sticks for incense, for example — to make a little profit, and if they were able to scrape up enough for, say, a picnic outing, they appreciated it. “I always look for happiness in the little things. They made me happy because I worked for it.”

Tiwari met Gokul Budathoki in the camp, and after they immigrated to the U.S. — she in 2009, staying with family in Buffalo, N.Y., and he to New Hampshire in 2011 — they reconnected, and eventually married in late 2011; a year later, to the day, their son was born.

Tiwari worked in a salon as a hairdresser before moving to New Hampshire after the wedding, and Budathoki had been working at a Walmart, gaining a knowledge of retail he would put to use when the couple started talking about opening a business.

“Nobody was here to support us; her parents were in Buffalo, and my parents were back in country, so we had to support ourselves,” said Budathoki, who eventually enrolled at a community college and landed a new job with a mental-health nonprofit. “We said, ‘why don’t we open our own thing?’ So, after the baby was born, we put him in the carseat and drove around the countryside, looking.”

What they found was a new life in the Pioneer Valley — as proud owners of Interstate Mart near the ‘X’ in Springfield — with the help of the Microenterprise Development Program at Ascentria Care Alliance.

“We’re a resettlement agency,” Emil Farjo said of ACA, which has offices in Westfield and Worcester and was previously known as Lutheran Social Services. “We have refugees come from overseas, and we help them get an apartment, furniture, their first IDs, benefits from welfare and MassHealth, Social Security numbers, and ESL classes.”

Beyond those basic services, however, is the microenterprise program, which was created in partnership with the federal Office of Refugee Resettlement in 2010, with the goal of helping refugees launch businesses and reach economic self-sufficiency.

Nazar al Khaled

Nazar al Khaled was a famous singer in Iraq; now he hawks his wife’s authentic cuisine in West Springfield.

Farjo was hired to lead the program in 2012, leveraging his education, background in computer science, and experience as a business owner in Iraq, where he’d owned three very different enterprises, in engineering and HVAC, food distribution, and wholesale.

After fleeing Iraq in 2004 for the safety of his family and spending six years in Syria, he immigrated to the U.S. and connected with what was then Lutheran Social Services, working with other refugees on computer classes, vocational training, and other skills before being tapped to lead the business-startup program.

“I was very successful in my business, but when we fled our country, we left everything behind,” he told BusinessWest. “My experiences help me understand how these people think. I can be a bridge from their former country to the American system. This is my passion. I find everyone’s success is my success. I love what I’m doing, and I want to help them make their dreams come true.”

First Steps

The microenterprise program provides business planning, financing, and training to refugees in the Bay State. Applicants receive guidance in budgeting, marketing, finance, and obtaining permits and licenses. Typically, refugees lack sufficient credit history or loan collateral to receive traditional business loans, so the program provides small startup loans, typically in the range of $500 to $15,000.

To date, the program has helped spawn 32 businesses in Greater Springfield and 12 more in Worcester, ranging from child care to cleaning services; web-based services to landscaping and farming; delivery services to auto repair. Most owners are Iraqi or Bhutanese, with a smattering of refugees from Liberia, Lithuania, and Burundi.

“They’re new to the system, so we provide classes in financial literacy and money management, how to write a business plan, how to budget,” Farjo said. “We’re also a microlender; we don’t ask for credit, we just want them to take their first steps in business loans, and prepare them for the next step, which is traditional loans from traditional lenders.”

Mike Garjian, a serial entrepreneur who has been working with Farjo in the program, added that these classes tend to be full. “There’s a thirst for knowledge; they’re fully engaged. And that translates to business success.”

Farjo also works one on one with participants on hurdles such as site selection, licensing, and permitting. “They would be lost without us. We’re dealing with surrounding cities, and each city is different. It’s a hassle for them.”

For Tiwari and Budathoki, the hassles since opening almost 10 months ago have been worth it. Their store sells both American and ethnic food products, as well as an impressive array of Bhutanese clothing. Their customer base has been steadily growing, and they’re looking to establish a space for community gatherings in additional space at the back of the store.

“It began with a little stress,” Tiwari said, “but we can say we are happy.”

Nazar al Khaled is also pleased with his new business. He was a famous Iraqi singer — “very famous, not normal famous,” he noted — whose life, like that of so many countrymen, was turned upside down after the U.S. invasion in 2003. He caught a bit of a break when the New York Times and other sources reported him dead in an airstrike in 2004, as some Muslim groups that rose up after Saddam’s fall were targeting singers and other artists, and the report took some of the pressure off.

In 2009, he arrived in the U.S. with his family and stayed for a couple of years in New York before moving to Western Mass. in 2011 for a quieter lifestyle.

program director at Ascentria

From left, Mohammed Najeeb, program director at Ascentria, with Emil Farjo and Mike Garjian.

Recently — recognizing the culinary skills of his wife, Asmaa Mohammed, and wishing to go into business for himself — al Khaled connected with Farjo and opened Ahalna Foods on Main Street in West Springfield, a multi-ethnic neighborhood where eight of Ascentria’s refugee clients have launched enterprises. To hear him tell it, he definitely needed Farjo’s help.

“In America, there are many ways to start work, but no one tells you the right way,” he said of his earlier dealings with banks and municipal officials. “There are many rules, and nobody answers you, nobody smiles at you, nobody does anything for you. I say, ‘I want to open this business.’ They say, ‘OK, come back next month.’”

Ascentria, on the other hand, “brings us together and teaches us how to work with the banks, how to start a business,” he went on. “Any license or anything else we need, they help us with that.”

Iraqi cuisine, al Khaled said, is based on tradition that extends back 8,000 years, adding that his wife’s creations — which lean heavily on beef, lamb, and chicken — are meant to be savored by all the senses and demand the diner’s entire focus, as opposed to American “technology food” (his term for heavily processed fare) swallowed quickly in front of the TV.

Currently, Ahalna prepares meals for takeout, but also caters events, and aims to eventually move into wholesale distribution. So far, his clientele is mainly people who have already experienced and enjoy Iraqi fare, but he hopes to attract Americans who seek an authentic culinary experience.

“Americans don’t want to change,” he said, “but some Iraqi families have friends and neighbors, and when they bring them our food, they give it a taste and find it’s something different, and after that, they come here to buy it.”

Untapped Potential

Garjian believes Ascentria’s success helping refugees launch businesses should receive more attention than it does.

“This is a sector that’s been really invisible, but it’s a very powerful and interesting component to the region’s economic vitality,” he said. “They are competent, highly energized people.”

He recalled hiring a Vietnamese refugee from Lutheran Services 20 years ago for one of his businesses. She had been a mathematician in her homeland, but had never worked with computers. After he introduced her to one and showed her how to operate Excel, she was quickly running complex equations. What Ascentria’s microenterprise program does, he noted, is help people with these types of skills — or at least the potential to quickly attain them — achieve business success in a very different environment from where they began.

Take the three Iraqi refugees who operate Chicopee Auto Service & Sales Center on Front Street, for example. “We did not want to work for anybody,” said Ahmed Mustafa, who partnered with his brother, Abraheem Mustafa, and a friend, Omar Abdul Razzak, to establish the business early in 2015. They arrived in the U.S. by way of Syria after fleeing their homeland a few years after the invasion.

Chicopee Auto Service & Sales Center

From left, Abraheem Mustafa, Ahmed Mustafa, and Omar Abdul Razzak are partners at Chicopee Auto Service & Sales Center.

“It was the war,” Ahmed Mustafa said when asked why they left. “It’s always the war.”

But he credited Ascentria and Farjo for helping the partners navigate the permitting process to launch the business, on the site of a former, then-closed used-car dealership. They started with 13 cars for sale and now have 25 on the lot, and typically service about 15 cars at any given time. They recently installed a second repair bay to conduct alignments, and do state safety inspections as well.

Mustafa said there are challenges to starting a business, but he welcomes some of them, like the gradually growing presence of other auto-related businesses in the Chicopee Falls neighborhood. “Having more than one dealer is better for the business that has better prices and better quality,” he said, already speaking the language of a businessman who embraces competition.

Growing the business will bring other benefits as well, he added, not the least of which is being able to hire other immigrants, especially those who struggle with the English language and, therefore, find it challenging to land a job.

Farjo has high hopes for all the businesses his agency helps launch, but he always cautions against overly optimistic expectations.

“They need to be patient. They might not be successful right when they open. Taking a risk is not easy. Starting a business is not easy, even for Americans,” he said. “But when they find someone who will speak with them as a person, someone who cares, that makes a difference. I just want to go the extra mile to see these people be successful, and at the end of the day, they thank me for helping them out.”

Credit Where It’s Due

Budathoki and Tiwari say they have qualities that complement each other: his fortitude and her business mind, for starters. But both say Ascentria was a key element in their success.

“I cannot thank them enough,” Tiwari said. “We wanted to find a way to find success and feed our family, but we went to City Hall and and so many places before we met with Emil. Back in my country, I didn’t know the meaning of a business plan.”

But Farjo says his agency is merely helping them open doors. “They have our support, but it’s their skills and ambition and effort that makes them succeed.”

In a country that accepts some 70,000 refugees a year, Garjian said the microenterprise program serves a social purpose even beyond raising the standard of living for its handful of participants and boosting economic development region-wide. At a time when so many Americans look suspiciously at immigrants and refugees, these small-business owners (who are, like anyone who receives Ascentria’s services, thoroughly vetted and screened) might well be changing a few perceptions.

“Many of them are coming from areas of tyranny and loss of hope,” Garjian told BusinessWest. “To them, each breath is a gift. I’ve seen people walk off the elevators here and take their first breath of freedom. That’s so profound to me.”

Joseph Bednar can be reached at [email protected]

Daily News

MONSON — Monson Savings Bank (MSB) announced that Kevin Hicks has been promoted to vice president, information technology officer, and Dina Merwin has been promoted to vice president, compliance and BSA officer.

Hicks joined MSB in early 2015 as assistant vice president, information technology officer. He has more than 16 years of experience managing a financial-institution IT department. He is responsible for overseeing all aspects of the bank’s technology infrastructure as well as security. He holds a bachelor’s degree in industrial engineering with a minor in psychology from UMass.

Merwin began her career at MSB in June 2013 as a compliance officer and was quickly promoted to assistant vice president, compliance and BSA officer. She has more than 20 years of experience in community banking. She is responsible for coordinating all regulatory changes throughout the bank, improving processes that enhance efficiency and compliance, as well as ensuring adherence to all rules and regulations. She is a graduate of the ABA National School of Banking at Fairfield University.

“We have an incredible team here at Monson Savings,” said Steve Lowell, president of Monson Savings Bank. “I am very pleased to publicly congratulate Kevin and Dina on their well-deserved promotions.”

Cover Story

The Big Picture

Kay Simpson

Kay Simpson

Kay Simpson started working at the Springfield Museums as an intern from Smith College more than 30 years ago, and has subsequently spent her career at the Quadrangle. She’s had many titles on her business card in that time, most recently ‘president,’ after the Museums board dropped the adjective ‘interim’ earlier this month. Simpson arrives at that position at a critical time in the history of the museum complex, one where it will work to use the global popularity of Dr. Seuss to gain recognition and get to the proverbial next level.

Kay Simpson says she was in her office the last Saturday in February, working energetically to clear some paperwork off her desk, when she was told she had a call.

On the other end was a member of Hillary Clinton’s campaign staff. He informed Simpson, president of Springfield Museums, that the Democratic frontrunner wanted to stage a rally in Springfield on the eve of the March 1 primary, and that team Hillary would like to place the Lyman and Merrie Wood Museum of Springfield History in the mix as a possible site.

Upon hearing from Simpson that such an event was doable, the caller informed her that there was still some scouting work to be done, and that someone would get back to her.

Someone did, thus setting in motion a wild 48 hours that would culminate in more than 600 people jamming their way into the museum’s SIS Center to hear from the candidate and then vie to be one of the lucky ones to press some flesh.

For Simpson and the staff at the Museums, the visit provided a rare and “fascinating” — a word she used early and often to describe the process — look at campaign machinations and how such a detail-laden event comes together quickly and seamlessly.

More importantly, though, it became an effective — although how effective can be debated — and completely unexpected component of a broad and ongoing effort to raise the profile of the four-museum (and soon to be five) complex and take it to the proverbial next level.

Indeed, Matt Longhi, director of public relations & marketing for the Museums, who tracks such things, said the list of news outlets that mentioned the institution by name in their reporting of Clinton’s visit was lengthy. It includes the New York Times, the Globe & Mail of Toronto, National Public Radio, the Boston Globe (although the front-page story in that publication mentioned only a “Springfield history museum”), the Boston Herald, the Atlanta Journal-Constitution, and the International Business Times, in addition to all the local outlets.

What do all those mentions mean? Simpson said it’s difficult to measure it all and quantify how much it helps provide visibility, but she stated the obvious by noting, “it certainly doesn’t hurt.”

And, as mentioned, the Clinton visit is only one out-of-the-blue element of the profile-raising effort, the largest component of which involves a name with much more star power in Springfield than Clinton — Ted Geisel, a.k.a. Dr. Seuss. The museum that will bear his name and house many of his works — not to mention some of his famous bowties — is now under construction and expected to open in roughly 15 months. (That timetable for opening, one that has been pushed back from the original plan, will coincide with the 15th anniversary of the Dr. Seuss National Memorial Sculpture Garden).

The Welcome Center at the Quadrangle

The Welcome Center at the Quadrangle is slated for renovation and expansion in anticipation of soaring visitorship to be spawned by the new Dr. Seuss Museum.

The Seuss museum is expected to increase visitorship by a full 25%, to more than a half-million annually, Simpson noted, and attract fans of the children’s author from across the country and around the world.

The Seuss museum represents a key opportunity to introduce, or reintroduce, the Quadrangle to generations of people, she added, and thus she and her staff are ultimately charged with making the very most of that opportunity, a challenge she doesn’t take lightly.

“Marketing is just a constant effort for us,” she noted. “But of all the things you can pull out of your toolbox, Dr. Seuss is something you have to take advantage of, something you need to exploit. This is a really exciting opportunity for us.”

The Seuss museum is obviously the top line on the to-do list for Simpson, who has spent her entire career at the Quadrangle, was named interim president last summer, and was recently told by her board to drop the adjective from her business card, which she has.

She told BusinessWest that her ascendency to president — the latest in a series of career opportunities that have kept her at the Springfield landmark for more than 30 years — coincides with a pivotal moment in the institution’s history.

For this issue, she talked about how that moment is likely to unfold, and what it means for the Museums — and the city of Springfield.

Art and Soul

While it was large in scope and logistically challenging in some ways, Clinton’s visit to the Quadrangle was hardly disruptive, said Simpson.

The rally came on a Monday — the Museums are closed to the public that day — and that meant there were no interruptions to schedules or inconveniences for visitors. And although the Museums’ security staff was quite involved with that aspect of the production, Clinton’s staff brought all its own equipment and handled all aspects of the set-up for the event.

“Everything just came together — it was incredible; once they understood our facility, they really took care of things,” said Simpson, adding that this was fortuitous, because she has enough on her plate already.

A rendering of the new Dr. Seuss museum

A rendering of the new Dr. Seuss museum, slated to open in the summer of 2017.

At the top of that list would be a $7 million capital campaign, now in the so-called ‘quiet phase,’ that will fund not only the Seuss museum (a roughly $3.5 million endeavor) but also improvements to the other museums, especially the George Walter Vincent Smith Art Museum and the welcome center, which must be expanded to accommodate the projected rise in visitorship.

As for the Seuss museum, it has a number of moving parts, everything from the finalizing of exhibits to the construction of an elevator in the historic, but not handicap-accessible, William Pynchon Memorial Building, to finding a home for those bowties, which were purchased by Dr. Seuss Enterprises and donated to the Museums.

Overseeing all this, on top of a host of other responsibilities, represents a quantum leap from Simpson’s first job description at the Museums, the very informal one handed to her as an unpaid intern from Smith College, where she was majoring in Art History.

“I was a volunteer, and it was a great experience — I loved what I was doing,” she said. “And I never left; I kept getting opportunities that kept me here.”

Elaborating, she said there were times over the years when she was presented with opportunities at other, sometimes larger and more prestigious institutions, but circumstances kept her feet planted in the complex off Edwards Street.

“Every time I had entered into a discussion or was asked if I would be interested in applying for a position at another museum, something happened here,” she went on. “So it was really serendipity, and I never thought I’d stay as long as I have. But I really love these museums.”

While her business address has never changed, the title on the business card has, many times, and those positions have enabled her to be a part of almost every aspect of museum management, from education initiatives, which is where she started, to outreach programming; from grant writing to fund-raising. The list of titles she has held over the years speaks to the depth of her experience. It includes education assistant, assistant curator of education, curator of education, public programs administrator, director of museum education, director of education and institutional advancement, and vice president.

It was in that last position, which she assumed in 2010, that she played a key role in setting institutional priorities and strategic planning, and also coordinating the organization’s successful application for accreditation by the American Alliance for Museums in 2013, a designation bestowed on only 6% of the nation’s museums.

Following the departure of Holly Smith-Bove last June, Simpson was named interim president, and soon thereafter was asked by the board to prepare a 90-day plan, with the goal of initiating a search in the fall.

However, when the calendar turned to September, board members instead asked for another 90-day plan, she went on, and in December, they called off plans for a search altogether and unofficially dropped ‘interim’ from her title. It was formally removed last week.

Simpson said she has seen a great deal of change at the Quadrangle over the past three and half decades, including the opening of the Wood museum and the sculpture garden, the launching of the Seuss museum, the centralization of the Quadrangle museums, and a great deal of progress in that historic area of Springfield. And she’s excited about the prospects of helping to write the next chapter.

Display of Optimism

As she used that term ‘next level’ and described efforts to reach it, Simpson said this was not necessarily something quantitative, such as a list of top museums nationally, or even qualitative.

Rather, it represents simply marked, and continuous, progress in efforts to make the Quadrangle a true destination and a big part of efforts to revitalize the City of Homes.

“The obvious goal is more national recognition,” she said in defining ‘next level.’ “The more that we are known on a national level, the more we’ll be appreciated — not only here, in our own backyard, but across the region and the country.

“Our collections are extraordinary, and we’re definitely first-class in terms of our exhibitions and our facilities,” she went on. “For us, the challenge is to become better-known in terms of marketing, in terms of people knowing that we’re here.”

And the Seuss museum, which will be the only one of its kind in the world, is at the very heart of those efforts.

Simpson said many of those who have come to the sculpture garden over the years have done so with expectations of visiting a Seuss museum, and some voice both surprise and disappointment when they find out there isn’t one.

This anecdotal evidence, coupled with the truly global reach and popularity of the children’s author — an estimated 60 million of his books have been sold worldwide — lead to those projections of a 25% increase in visitorship, said Simpson, who believes those numbers are realistic.

And they’re impactful as well, she said, adding that the additional visitors attracted by the Seuss museum will hopefully find not only some or all of the other museums at the site, but other attractions in Greater Springfield as well.

“Many who come to the sculpture garden will express surprise and say, ‘I didn’t know you had four museums here,’” she told BusinessWest, adding that a good number will explore those facilities and the city that surrounds it.

Kay Simpson, seen here in the Lyman & Merrie Wood Museum of Springfield History

Kay Simpson, seen here in the Lyman & Merrie Wood Museum of Springfield History, says the Museums, and Springfield, are poised to become greater destinations.

Another 100,000 or more visitors to the Museums would increase that already-significant impact, she went on, adding that the Quadrangle is thus positioned to be a significant role player in a city-wide resurgence she says is unfolding, exciting to watch, and rewarding to be part of.

“I think the Museums are already a destination, but we can’t be an island; we need to be part of the fabric of the city,” she said, adding that ongoing efforts to create a stronger, more cohesive fabric are very encouraging.

“It’s been very exciting to see the culturally related organizations and other businesses come together and establish the cultural district and get state designation for it,” she went on, in a reference to what’s known officially as the Springfield Central Cultural District, or SCCD, as it’s known to some. “And also all the work that the city of Springfield is doing, including Union Station, the innovation district, the work of the Business Improvement District, and more.

“This collective energy is what will really transform Springfield,” she said in conclusion. “And it’s exciting to think that the Springfield Museums are a big part of that, and that Springfield is on the verge of being able to revitalize and re-energize the city as a destination.”

Brush with Fame

As she walked with BusinessWest and posed for a few photographs in the history museum, Simpson marveled at how quickly and completely all traces of Clinton’s visit had vanished.

The only remaining evidence was a Channel 40 news crew getting some footage for the upcoming 5 o’clock news near the front entrance — yet another bit of exposure for the Springfield Museums.

Future steps to raise the profile of the institution will be more elaborate, detailed, and, hopefully, far-reaching, she said, adding that her focus is on the big picture, in every sense of that phrase.

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

Banking and Financial Services Sections

FAQs About EMVs

By SIENNA KOSSMAN

The nationwide shift to EMV is well underway.

EMV — which stands for Europay, MasterCard, and Visa — is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions. In the wake of numerous large-scale data breaches and increasing rates of counterfeit card fraud, U.S. card issuers are migrating to this new technology to protect consumers and reduce the costs of fraud.

“These new and improved cards are being deployed to improve payment security, making it more difficult for fraudsters to successfully counterfeit cards,” said Julie Conroy, research director for retail banking at Aite Group, a financial industry research company. “It’s an important step forward.”

For merchants and financial institutions, the switch to EMV means adding new in-store technology and internal processing systems and complying with new liability rules. For consumers, it means activating new cards and learning new payment processes. Most of all, it means greater protection against fraud.

ThinkstockPhotosCreditCardChipHere are some frequently asked questions to help explain the changes.

Why Are EMV Cards a More Secure Option?

That small, metallic square you see on new cards is a computer chip, and it’s what sets apart the new generation of cards.

The magnetic stripes on traditional credit and debit cards store contain unchanging data. Whoever accesses that data gains the sensitive card and cardholder information necessary to make purchases. That makes traditional cards prime targets for counterfeiters, who convert stolen card data to cash.

“If someone copies a magnetic stripe, they can easily replicate that data over and over again because it doesn’t change,” said Dave Witts, president of U.S. payment systems for Creditcall, a payment gateway and EMV software developer.

Unlike magnetic-stripe cards, every time an EMV card is used for payment, the card chip creates a unique transaction code that cannot be used again. If a hacker stole the chip information from one specific point of sale, typical card duplication would never work “because the stolen transaction number created in that instance wouldn’t be usable again and the card would just get denied,” Witts explained.

EMV technology will not prevent data breaches from occurring, but it will make it much harder for criminals to successfully profit from what they steal. Experts hope it will help significantly reduce fraud in the U.S., which has doubled in the past seven years as criminals have shied away from countries that already have transitioned to EMV cards, Conroy said. “The introduction of dynamic data is what makes EMV cards so effective at bringing down counterfeit card rates in other countries.”

How Do I Use an EMV Card?

Just like magnetic-stripe cards, EMV cards are processed for payment in two steps: card reading and transaction verification. However, with EMV cards, you no longer have to master a quick, fluid card swipe in the right direction. Chip cards are read in a different way.

“Instead of going to a register and swiping your card, you are going to do what is called ‘card dipping’ instead, which means inserting your card into a terminal slot and waiting for it to process,” Conroy said.

When an EMV card is dipped, data flows between the card chip and the issuing financial institution to verify the card’s legitimacy and create the unique transaction data. This process isn’t as quick as a magnetic-stripe swipe.

“It will take a tiny bit longer for that transmission of data to happen,” Witts says. “If a person just sticks the card in and pulls it out, the transaction will likely be denied. A little bit of patience will be involved.”

Some EMV cards can also support contactless card reading, also known as near-field communication (NFC). Instead of dipping or swiping, NFC-equipped cards are tapped against a terminal scanner that can pick up the card data from the embedded computer chip.

Will I Still Have to Sign or Enter a PIN?

Yes and no. You will have to do one of those verification methods, but it depends on the verification method tied to your EMV card, not if your card is debit or credit.

Chip-and-PIN cards operate just like the checking-account debit card you have been using for years. Entering a PIN connects the payment terminal to the payment processor for real-time transaction verification and approval. However, many payment processors are not equipped with the technology needed to handle EMV chip-and-PIN credit transactions. So it is not likely you will have to memorize new PINs anytime soon, according to Conroy.

“There aren’t going to be many issuers requiring a PIN,” she said. “A vast majority will be issuing chip-and-signature cards, which aren’t all that different from how credit cards work now.”

As with a magnetic-stripe credit card, you sign on the point-of-sale terminal to take responsibility for the payment when making a chip-and-signature card transaction.

U.S. chip-and-PIN cards will be transitioned in slowly, according to Ferenczi. “The card production demand today is really based on chip-and-signature cards. It will probably take two to three years to fully convert to chip-and-PIN.”

Despite a slow transition overall, those who get chip-and-PIN cards will be able to use them right away. “If a terminal doesn’t have the ability to accept a PIN, it will then step down to accepting a signature,” said Randy Vanderhoof, executive director of the Smart Card Alliance. “There will always be a secondary option.”

If Fraud Occurs, Who Is Liable for the Costs?

Today, if an in-store transaction is conducted using a counterfeit, stolen, or otherwise compromised card, consumer losses from that transaction fall back on the payment processor or issuing bank, depending on the card’s terms and conditions.

Following an Oct. 1, 2015 deadline created by major U.S. credit card issuers MasterCard, Visa, Discover, and American Express, the liability for card-present fraud shifted to whichever party is the least EMV-compliant in a fraudulent transaction.

Consider the example of a financial institution that issues a chip card used at a merchant that has not changed its system to accept chip technology. This allows a counterfeit card to be successfully used. “The cost of the fraud will fall back on the merchant,” Ferenczi said.

The change is intended to help bring the entire payment industry on board with EMV by encouraging compliance to avoid liability costs.

Today, any parties not EMV-ready could face much higher costs in the event of a large data breach. Automated fuel dispensers will have until 2017 to make the shift to EMV. Until then, they will follow existing fraud liability rulings.

Is the Transition to EMV Technology Complete?

Not exactly. Although the deadline was strong encouragement for all payment-processing parties to become EMV-compliant as soon as possible, not everyone has made the transition yet.

“It’s going to take a little time to adapt,” said Doug Johnson, vice president of risk management policy for the American Bankers Assoc.

EMV debit cards in particular are rolling out at a slower pace. While 90% of financial institutions began issuing EMV debit cards in 2015, only 25% of U.S. debit cards (about 71 million cards) were expected to be chip-equipped by the end of 2015. The percentage of EMV debit cards in consumers’ hands is expected to reach 73% by the end of 2016 and 96% by the end of 2017.

So far, the large majority of chip cards going into the hands of cardholders are coming from larger issuers like Bank of America and Chase, according to the Federal Reserve Bank of Chicago. The cost of this EMV transition is causing smaller banks to convert their cards more slowly.

EMV debit cards may be issued at an even slower pace as banks have to prep their software to accept those new cards as well, according to Ferenczi.

“Different companies will have different rollout strategies,” Johnson said. Some will base their actions on card expiration dates; others will work to get chip cards into consumers’ hands as soon as possible.

Can I Use My Card at a Retailer That Doesn’t Support EMV Yet?

Yes. The first round of EMV cards — many of which are in consumers’ hands — will be equipped with both chip and magnetic-stripe functions so consumer spending is not disrupted and merchants can adjust. If you find yourself at a point-of-sale terminal and are not sure whether to dip or swipe your card, have no fear. The terminal will walk you through the process.

“For example, if you enter a card into the chip reader slot but the reader isn’t activated yet, it will come up with an error and you’ll be prompted to swipe the card in order to use it,” Vanderhoof said.

And vice-versa. “If a consumer tries to swipe a chip card instead of inserting it, an error will appear, and they will be prompted to insert the card for chip processing instead,” Vanderhoof said.

If chip-card readers are not in place at a merchant at all, your EMV card can be read with a swipe, just like a traditional magnetic-stripe card. “You can still conduct transactions, you just lose that extra level of chip security,” Johnson said.

Many large retailers, such as Walmart, Target and Costco, have upgraded their POS terminals and are activating them for chip-card acceptance, but smaller businesses may be lagging when it comes to upgrading their payment technology.

Will I Be Able to Use My EMV Card Outside the U.S.?

Yes and no. The U.S. is the last major market still using the magnetic-stripe card system. Many European countries moved to EMV technology years ago to combat high fraud rates. That shift has left many U.S. consumers who have magnetic-stripe cards looking for other forms of payment when they travel.

Since many foreign merchants are wary of magnetic-stripe cards, consumers who hold some type of chip card may run into fewer issues than those without one, according to Ferenczi.

However, chip-and-PIN cards are the norm in most other countries that support EMV technology. So consumers with chip-and-signature cards may find some merchants who are unwilling or unable to process their card, even though it does have an embedded chip.

Still, despite any difficulties in the transition, Ferenczi says the change is a step in the right direction.

“Nobody likes to think that his or her card is being secretly used for other purposes,” he says. “So I think regardless, there is a level of comfort knowing that it will be far more difficult to counterfeit EMV cards.”

Sienna Kossman is a staff reporter for CreditCards.com. Copyright 2016, CreditCards.com, all rights reserved, reprinted with permission.

Landscape Design Sections

Painting Pictures with Light

Illumascape Lighting

Illumascape Lighting

When some people think of outdoor lighting, they may think of floodlights and porchlights — but many more options are available in the emerging world of architectural lighting, which accents the details of front and backyards, melding safety and security with atmosphere and aesthetics. Designing and installing these systems is both art and science, say experts in the field, who are always gratified by the ‘wow’ factor when homeowners flip the switch.

After 23 years as a graphic designer in the sign-making industry, Rob Larkham decided to design and install landscape lighting for a career — a job that requires long hours of manual outdoor labor.

“Everything we’re doing is by hand. It’s labor-intensive,” said the owner of Illumascape Lighting in South Hadley. “But at night, when we turn the switch on, it’s a rewarding moment.”

Larkham is actually the second owner of Illumascape. Phil Costello, who founded the business, was one of Larkham’s customers, and when he was nearing retirement, he approached the graphic designer, believing he would be a good choice to take over the landscape-lighting company. So Larkham came on board four years ago and took over the reins a couple years after that.

“He saw me as a hard worker with an artistic eye — because, what we do is paint pictures with light,” Larkham said of why the opportunity appealed to him. “If it weren’t for the artistic end of it, I wouldn’t have made the transition. You’re outside digging ditches all day, but then you get to the end of the day, when it’s dark, and you flip the switch and get that ‘wow’ moment.”

Landscape lighting, also known as architectural lighting, has long been popular in warmer climes, but in the Northeast, most homeowners have been satisfied with porchlights and maybe a floodlight out back. But, increasingly, they’re seeing the aesthetic value in the variety of techniques available from companies like Illumascape and numerous landscape-design firms.

As Larkham explained, landscape lighting is the permanent placement of lighting fixtures in the outdoor environment, with the aim of highlighting the form, texture and definition of landscape plantings as well as enhancing the architectural features of the home. In contrast to one or two floodlights, architectural lighting may utilize dozens of smaller, strategically placed fixtures to accent the details of a home and yard.

Rob Larkham

Rob Larkham says customers choose architectural lighting for both aesthetic and security reasons.

“It’s still really in its infancy here,” he told BusinessWest, adding that customers choose landscape lighting for two reasons: to add beauty to their property and for security. “A well-lit home is less likely to be broken into than the house next door. Plus, you’re more likely to slip on dark stairs and dark sidewalks.”

Gary Courchesne, owner of G&H Landscaping in Holyoke, said the emergence of energy-efficient LED diodes has made landscape lighting more popular, because people see the long-term value in what, admittedly, can be a hefty up-front investment.

He explained that a transformer installed in the yard converts the 120-volt household current to 12 volts, and the LED diodes reduce the energy drain even further. “From an energy standpoint, you’re getting the benefit of cost savings. That’s key for people.”

He and Larkham both noted how the fixtures are designed to direct each beam in a specific direction, with techniques ranging from uplighting and downlighting to path lighting and ground lighting.

“In other instances, we use well lights buried in the ground that give that upward lighting effect,” Courchesne explained. “You may have ornamental plants, which you want to show off and shed a little more light on.”

Added Larkham, “I just think people are seeing the value in it, whether it’s beauty, safety, security, or curb appeal. People are spending more time in their backyards. I really think the growth in this industry will be extensive.”

Professional Touch

The key to successful lighting, Courchesne said, is professional design. He noted that a flood of low-voltage lighting kits hit retail stores over the past decade, and many people bought them, were unsatisfied, and didn’t think about it again. That’s because they didn’t have a skilled designer and installer on their side.

“When people buy a big-box store kit, they’re compelled to use every light in it. But, in the instance of low-voltage lighting, less is more. You don’t want your sidewalk or shrubbery to look like a runway. You want it to highlight, accent, and provide adequate light for pedestrians and the security element.”

With homeowners in the Northeast investing more money in their properties in recent years, he went on, many are now becoming aware of professional landscape-lighting design, which is ubiquitous down South.

Larkham said customers run the gamut from contractors building a new house and including landscape lighting in the initial design to homeowners who have been in their homes 25 years or more and have an itch to do something new and dramatic with their outdoor space.


Go HERE to download a PDF chart of area landscape design firms


“Sometimes it’s a complete landscape remodel — a landscape architect may be doing the whole backyard and will call me and say, ‘hey, we’d really like to do landscape lighting in this remodel.’ That said, I’ve gone out and done simple installations of five path lights, and, on the other end, 200-light installs.”

In other words, although architectural lighting is a high-end product in the world of landscape architecture, there’s typically something for every budget. Larkham said he often works within someone’s budget for an initial installation, but might put in a larger transformer if a client expresses interest in adding to the design later. “Maybe they’ll do the front of the house this year, and the backyard next year.”

With a budget in hand, Larkham then draws on his artistic side. “That’s my job as a designer — I show up, meet with client first, figure out what they’re looking to do on their property, and come up with a design using the proper fixtures.”

small, strategically placed lights bring out the details

This Illumascape project demonstrates how small, strategically placed lights bring out the details of a house and yard.

For example, the same kind of tree could be lit using completely different techniques, depending on the yard.

“We’ll go out and do a lighting demonstration before we ever sign a contract, with about 100 demonstration lights, to show you what the final product might look like,” he said. “We don’t have clients come out until it gets dark so we have that ‘wow’ moment. More than nine times out of 10, they come out and say, ‘wow, we had no idea.’”

In many cases, he added, a customer’s neighbors may have architectural lighting, but when someone sees it on their own property, it’s a much more impactful experience.

“You have to look at the key elements of what people are trying to accent and highlight, then decide how to use the lights,” Courchesne said. “Some people want it on the front door to highlight a wreath, using it as a spotlight. In some cases, they want to flood the area with some light. But the whole key is subdued lighting, not offensive lighting.”

He told BusinessWest that the results are gratifying.

“Some of the comments I hear are, ‘can you believe my house now?’ I hear that time and time again. I would say 75% of the folks who buy landscape lighting, accent lighting, buy it for the aesthetic value. The other 25% also want it for the security value because lights deter a burglar; they’d rather go to a house that’s dark as opposed to a house that’s lit up.”

Left to Their Own Devices

As landscape lighting becomes more prominent in the Northeast, customers are accessing some high-tech features not previously available. Residential Lighting magazine noted that, while low-voltage LED lighting is the key industry driver these days, linking lighting systems to smartphone apps, to control them remotely, is also a hot trend.

Other systems are timed to come on automatically, Larkham said, so that, “in the winter months, when it’s dark when you pull into the driveway, the house is warm and inviting already. That’s nice. Floodlights tend to be Fenway Park bright; obviously, what we’re doing is soft and subtle. That’s really what we’re looking for.”

Gary Courchesne

Gary Courchesne says the goal of any landscape-lighting project is subdued, artistic light.

Courchesne also stressed the importance of subtlety in a lighting plan. He said today’s LEDs can bathe their target with a soft, warm, white glow, as opposed to the harsh blue light with which some people associate earlier LEDs.

“Not everyone can afford this,” he stressed. “It’s cost-effective from an operational perspective, but there’s capital investment involved for a quality system. Like anything else, you truly get what you pay for.”

Larkham added that, as time goes on and LEDs become more universal, costs should come down, and are already starting to creep in that direction, which is a good sign for homeowners who want to add a little artistry to their landscapes.

“It’s becoming more popular, it seems the technology is advancing every year, there are always new things happening,” he concluded.

In other words, the future is bright.

Joseph Bednar can be reached at [email protected]

Departments Incorporations

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

CHICOPEE

Amazon Foods Inc. 168 Center St., Chicopee, MA 01013. Ricardo Contrussi, 49 Azalea Lane, Marlboro, MA 01752. Manufacturing and distribution of sausages, meat products, frozen juices, and frozen foods.

EAST LONGMEADOW

Beauty Times Spa Corp., 16 Maple St., East Longmeadow, MA 01028. Nhac D. Troung, 40 Waterman Ave., East Longmeadow, MA 01028. Hair, nail, skin, and beauty care/salon.

GRANBY

American Legion Auxiliary, Granby Unit 266 Inc., 2 Circle Dr., Granby, MA 01033. Lorraine Uhlig, 101 Abbey St., South Hadley, MA 01075. Non-profit organization established to support the American Legion; support for our veterans, our military, and their families by shaping a positive future in an atmosphere of fellowship, patriotism, peace and security.

GREAT BARRINGTON

Allard.org Inc., 61 Blue Hill Road, Great Barrington, MA 01230. David Allard, same. Provide a working structure for the formation and operation of a scientific and educational non-profit organization.

HOLYOKE

Auto Sales Center Inc., 1607 Northampton St., Holyoke, MA 01040. Ira J. Elfman, same. Auto sales.

B & T Laundromat Inc., 556 High St., Holyoke, MA 01040. Bo Wu, same. Coin-operated laundromat.

LONGMEADOW

China Access Inc., 86 Green Meadow Dr., Longmeadow, MA 01106. Baiqing Li, same. Cultural exchange program with people and organizations located in China.

NORTHAMPTON

Allen Restaurant Group Inc., 8 Crafts Ave., Northampton, MA 01060. Kimberly Allen, same. Restaurant.

PALMER

Azb Logistics Inc., 11 Flynt St., Palmer, MA 01069. Lance Bokowski, same. Transportaion company.

PITTSFIELD

Andromeda Research Inc., 15 Bartleit Ave., Apt. 4, Pittsfield, MA 01201. Robert Keyes, same. Research and development corporation.

SOUTHAMPTON

Castle Architectural Salvage Inc., 8 Pine Meadow Dr., Southampton, MA 01073. Ronald Pike, same. Architectual salvage and sales.

WILLIAMSTOWN

Balkrishna Inc., 824 Simonds Road, Williamstown, MA 01267. Hastinkumar Mehta, 213 Main St., Williamstown, MA 01267. Convenience store.

Departments People on the Move

Wolf & Co., P.C. announced the promotion of Ryan Gorman, CPA, to Member of the firm. He has 15 years of experience in providing audit, review, and business-advisory services to middle-market businesses within various industries and ownership structures. A significant focus of Gorman’s practice includes private-equity and family owned manufacturers, distributors, retail, and service organizations. In addition to his private-company practice, he also works with publicly traded companies and performs audits of employee benefit plans. Gorman, a graduate of Stonehill College, is a founding member of Wolf’s audit quality task force, a committee established to ensure the company is equipped with the appropriate training, tools, and techniques to deliver effective, quality services.

•••••

 

Howard Bruck

Howard Bruck

Howard Bruck has been named president and CEO of Farm Credit Financial Partners Inc. (FPI). With 30 years of experience in general business and financial services, Bruck was most recently chief information officer with Sterling National Bank in New York, responsible for information technology and banking operations. “The breadth and depth of Howard’s business and technology experience and expertise will bolster our collective and individual efforts to better serve our customers and continue to evolve our organizations,” said Bob Bahl, chairman of the board. “His vision builds on FPI’s 21-year history of providing technology to the Farm Credit System.” Bruck has an MBA in accounting from Fordham University and a bachelor’s degree in mathematics from Long Island University. He also served as an adjunct professor at Fordham University, teaching technology, information-management systems and security, and project and operations management for the past 10 years. He has also advised major corporations, investment managers, and technology providers in those areas. “FPI has an impressive history of providing important technologies to the Farm Credit System for over 20 years,” Bruck said. “I am honored to have the opportunity to lead the organization as we embark into an exciting era of business-technology transformation. Realizing the opportunity to strengthen our products and services and support the business objectives of our customers will require us to be innovative, proficient, and competitive. A big part of my job will be to insure that we focus on creating and delivering great solutions and be recognized as thought leaders and valued partners.”

•••••

Greenfield Mayor William Martin and Northampton Mayor David Narkewicz announced the hiring of Teri Anderson as the new Executive Director of the Franklin Hampshire Employment & Training Consortium (FHETC) and the Franklin Hampshire Career Center. FHETC is the administrative entity established by the two mayors in 1981 to operate public employment services in the 50-community Franklin, Hampshire, and North Quabbin region. Utilizing federal and state funds associated with the Workforce Innovation and Opportunity Act, the agency delivers services through one-stop career centers in Greenfield and Northampton, and a satellite office in the North Quabbin region. The previous director of the center, Michael Truckey, retired in May 2015 after 38 years with FHETC. An interview team including representatives of the mayors’ offices, the career center, the Franklin Hampshire Regional Employment Board (REB), and the Mass. Division of Career Services conducted a thorough search process, looking for a person with the right combination of leadership, planning, and management skills to take on the job. Anderson is past economic development director for the city of Northampton and brings many years of experience in planning, project development, grants management, and economic development. Patricia Crosby, executive director of the Franklin Hampshire REB, which oversees workforce services in the region, quoted from the letter sent on behalf of the interview team to the mayors, saying, “we firmly believe that Teri has both the big-picture visioning and the day-to-day administrative skills needed for this important position, and that her deep knowledge of the Franklin/Hampshire region, planning expertise, and calm, steady presence will serve us well in this critical transitional period.” Anderson has recently has held positions with Common Capital and the Mass Broadband Institute. In addition, Crosby noted, she is no stranger to the workforce-development activities of the Career Center and the REB, having served in the past on the board as a representative of the former Northampton mayor’s office.

•••••

 

Eric Martinez

Eric Martinez

HUB International New England, a division of HUB International Limited, announced that Eric Martinez has joined the company as Personal Lines Account Manager. He will be based in the East Longmeadow office and will assist clients with their homeowner’s, auto, and personal-liability umbrella coverages. Martinez joins HUB International with more than 10 years of experience in the personal-lines field. His past job responsibilities have included supervising and scheduling staff, resolving client issues, working to maintain carrier relationships, and assisting in planning and implementing marketing programs. His role at HUB International includes assisting in the day-to-day needs of clients, reviewing and updating policies and certificates, maintaining existing client relationships, generating new business, and keeping abreast of the changing market. Timm Marini, president of HUB International New England, noted that “Eric’s personality and strengths will certainly be beneficial as we continue to expand into one of the largest agencies throughout New England.”

•••••

Peter Pan Bus Lines announced that Danielle Veronesi has been named Marketing Director. She will be responsible for overseeing Peter Pan’s Marketing Department, which includes but is not limited to creating digital advertising in multiple markets through multi-media platforms. Veronesi brings more than 15 years of experience in the marketing and promotions industry. She previously worked at iHeartMedia, where she served as the company’s Marketing and Promotions director.

•••••

Matthew Sosik, president and CEO of bankESB, announced the following:

Kirsten Barkman

Kirsten Barkman

• Kirsten Barkman has joined the bank as Assistant Vice President, Portfolio Manager. Barkman most recently served as a portfolio manager at Chicopee Savings Bank, where she had been working since 2012. She has more than 15 years of experience in the financial industry. She earned a bachelor’s degree in economics from Tufts University. She has also passed Level 1 and Level 2 of the Chartered Financial Analyst examinations, and she is a Risk Management Assoc. member; and

Erin Joyce

Erin Joyce

• Erin Joyce has been named Special Assets Officer. Joyce joined the bank in October 2014 as special assets manager. She has had many years of banking experience within the local banking industry, the last six in the area of residential and consumer collections. She attended UMass and has completed numerous Center for Financial Training courses and received certificates and diplomas in many areas of finance, lending, appraisals, and compliance. Joyce is a volunteer tax preparer for the IRS Volunteers in Tax Assistance Program. She was a parent volunteer and fund-raising coordinator for the Northampton Youth Football League and Northampton High School Booster club. She has also served as treasurer for the John F. Kennedy Middle School PTO.

•••••

Jay Smith, founder and president of Sports Travel and Tours, has been named Vice Chair of the executive board for the board of directors of the National Tour Assoc. for 2016. NTA is the leading business-building association for travel professionals in the packaged travel and tour industry. Smith, whose sports-travel business entered its 20th year this fall, has served for four years on the NTA as a tour-operator board member and as its secretary last year. NTA was founded in 1951 and is now the leading business-building association for professionals serving customers traveling to, from, and within North America. Smith founded Sports Travel and Tours in 1996. Its mission is to offer hassle-free trip options to sports fans so they can attend games and other events across the U.S. and Canada.

•••••

Homewatch CareGivers announced the hiring of Deborah Epstein as business development manager for Hampshire and Franklin counties. She will work in tandem with Kate Tyler, who also works in those two counties. Epstein comes to Homewatch CareGivers with a skill set in public relations, program development, and administration. She has a master’s degree in public health from the UMass Amherst School of Public Health and Health Sciences with a focus in health policy management and community health education. This complements her dual bachelor’s degree in management and psychology from Simmons College in Boston. She also works as a marketing and health-promotion consultant for various organizations, including Orchard Medical Associates of Indian Orchard. She brings a wealth of experience through her work for Massachusetts General Hospital, Cooley Dickinson Hospital, Baystate Medical Center, various senior centers, and as coordinator of the Franklin-Hampshire RSVP Osteoporosis Exercise/Nutrition Program. Epstein will begin her role immediately, seeking out partners in the medical community who can assist Homewatch CareGivers in building alliances to better serve Western Mass. residents in securing appropriate homecare options.

•••••

Berkshire Health Systems announced the appointment of Dr. Nina Molin, a board-certified internal-medicine practitioner, to the physician staff of Berkshire Osteopathic Health of BMC. A veteran of both private and academic practice in the Berkshires since 1995, Molin received her medical degree from the State University of New York at Stony Brook School of Medicine, and completed her residency in primary-care internal medicine from the University of Rochester. Molin is presently a fellow in the Integrative Medicine Fellowship of the Academy of Integrative Health and Medicine, where she is the recipient of the Council for Responsible Nutrition scholarship. She has served as associate professor of Medicine at UMass Medical School. Molin served at Canyon Ranch in Lenox for 13 years as an integrative medicine specialist, lecturing and consulting in many areas, including integrative medicine, preventive medicine, women’s health, digestive wellness, inflammatory conditions, and Ayurveda. She has offered integrative-medicine consultations in her private practice, Ananda Health, and has offered primary care throughout the Berkshires since 1995, including as a volunteer physician at Berkshire Volunteers in Medicine.

Daily News

AGAWAM — Howard Bruck has been named president and CEO of Farm Credit Financial Partners Inc. (FPI). With 30 years of experience in general business and financial services, Bruck was most recently chief information officer with Sterling National Bank in New York, responsible for information technology and banking operations.

“The breadth and depth of Howard’s business and technology experience and expertise will bolster our collective and individual efforts to better serve our customers and continue to evolve our organizations,” said Bob Bahl, chairman of the board. “His vision builds on FPI’s 21-year history of providing technology to the Farm Credit System.”

Bruck has an MBA in accounting from Fordham University and a bachelor’s degree in mathematics from Long Island University. He also served as an adjunct professor at Fordham University, teaching technology, information-management systems and security, and project and operations management for the past 10 years. He has also advised major corporations, investment managers, and technology providers in those areas.

“FPI has an impressive history of providing important technologies to the Farm Credit System for over 20 years,” Bruck said. “I am honored to have the opportunity to lead the organization as we embark into an exciting era of business-technology transformation. Realizing the opportunity to strengthen our products and services and support the business objectives of our customers will require us to be innovative, proficient, and competitive. A big part of my job will be to insure that we focus on creating and delivering great solutions and be recognized as thought leaders and valued partners.”

Insurance Sections

Everyone’s a Target

HackInsurance

While major data breaches in the world of retail make the splashiest headlines — understandable, when, like the 2013 Target hack, they compromise the records of tens of millions of customers — the truth is, the vast majority of cybercrime incidents are aimed at businesses with fewer than 100 employees. That’s where cyber-liability insurance comes in — products that not only protect companies from the myriad financial effects of a breach, but help them understand where their risks may lie, and how they can close the more dangerous gaps.

Bill Grinnell said he recently spoke with the owner of a construction-related business who was hit with a malicious program that froze his company’s computers and followed up with an extortion demand.

“More hacks are happening every day,” said Grinnell, president of Webber & Grinnell Insurance in Northampton. “You wouldn’t think of him as the type of business that might traditionally need cyber-liability insurance, and now he’s facing all these costs — having a company come in to get the computers up and running, potential lost business income if they can’t perform their jobs without what’s stored on the computers, then the cost of the extortion and potentially notifying people, all the customer-relations issues.

“That was eye-opening to me,” he went on. “Any business out there that has any type of sensitive records critical to the running of the business potentially needs this type of coverage.”

The good news, Grinnell said, is that businesses are more aware than ever about the threats that lurk behind seemingly safe computer screens.

Bill Grinnell

Bill Grinnell says cyber-liability insurance used to be a hot topic only in certain industries, like financial services, healthcare, and retail — but that’s changing.

“It’s a relatively new insurance coverage, and it’s still evolving. We certainly talk a fair amount about it with clients interested in purchasing coverage, and demand is definitely increasing,” he went on, noting that, until recently, cyber liability wasn’t a hot topic outside of the retail, medical, and financial-services industries, but it’s becoming clearer that many other types of enterprise are at risk.

In a recent article on its website, Ross Insurance Agency in Holyoke noted that incidents like the Target breach in 2013 (70 million customer records exposed) and the Neiman Marcus breach around the same time (1 million customers affected) won plenty of headlines, yet a 2012 Verizon study revealed that 71% of breaches occur in businesses with 100 or fewer employees. Meanwhile, according to cybersecurity company McAfee, almost 90% of small and medium-sized U.S. businesses don’t use any form of data protection.

“This is one of the most forefront issues we have, something we talk about all the time,” Kevin Ross, vice president of Ross Insurance, told BusinessWest. “Coverage is becoming more widely available and broader in scope. We have not experienced any losses here with our clients, but we do know it’s a serious threat that can cause serious financial harm. Just because you haven’t had a fire doesn’t mean fire insurance isn’t important. We protect the financial integrity of clients from loss, and those losses could be severe.”

Indeed, cybercrime costs American businesses more than $100 billion per year, according to the Center for Strategic and International Studies.

“Lack of an incident can breed complacency. Companies think they’re OK, but lack of an event doesn’t mean they’re OK; it doesn’t mean they’ve done a good job,” said Bill Trudeau, president of the Insurance Center of New England (ICNE) in Agawam, adding that, while certain organizations have more to lose because of their customer exposure, almost all companies save employee data digitally.

Bill Trudeau

Bill Trudeau says hackers are always thinking up new ways to breach systems, and employers have to be prepared.

“Even in a small company, one that makes widgets and gets paid with checks, you could have some data-breach exposure with your employees, so it’s worth reviewing what kind of access you have,” he said. “If it happens to your 200 employees, it’s not going to be a heartwarming experience for you and your employees. You need to take a hard look at your computers and how you transmit information.”

Hefty Cost

According to the Ponemon Institute, which has been reporting on the cost of cybercrimes for the past several years, the cost to a company that falls victim to a data breach is $188 per record breached. Yet, business- and property-insurance policies typically exclude data risks from their terms, which has contributed to the emergence of cybersecurity insurance as a separate, standalone line of coverage.

That coverage typically protects against a wide range of losses that businesses may suffer directly or cause to others, and these come in two forms: first-party and third-party losses. Grinnell explained that third-party losses involve regulatory fines and lawsuits brought by affected customers, while first-party losses are what the business itself incurs up front, such as business-income loss, data-retrieval services, downtime, and notification of customers, to name a few. On average, first-party losses average about one-third of a breached company’s expenses.

“In a lot of small data breaches, say in a small store or a doctors’ office with 10 doctors, most costs are first-party costs,” Trudeau explained. “Then, later, you’re going to have liability claims because maybe someone did get injured, their identify got stolen, you may owe them compensation, or they could end up suing you, despite all your efforts. So a good cyber policy or data-breach policy has both coverage for first-party costs and a liability component that pays for these different injuries that have occurred.”

Some cybersecurity-insurance carriers pose a long series of questions on their application forms about the details of a company’s exposure to data risk, Trudeau said, and if the underwriter isn’t satisfied with the answers, they may not write the policy until certain practices have been changed and safeguards put in place.


Go HERE to download a PDF chart of the region’s Insurance Companies


“When it comes to a data breach which has occurred, a lot of what you do to take action up front can reduce your liability. If you self-report to authorities and if you have a turn-key response to it, that’s good,” he went on, noting that carriers that specialize in this type of coverage, like Beazley and Chubb, have turn-key response operations as part of the policy. “They’ve got forensic computer analysts that get into the system and see what went wrong, public-relations people who understand this issue — it’s not their first time trying to calm customers and the public as to what went wrong with your organization — and they also have third-party notification operations.”

Trudeau recommends that businesses hire a third party to poke around their computer systems and challenge their operations when necessary.

“People get used to their own surroundings and don’t know what they don’t know,” he said. “Just because you think your business isn’t super attractive to hackers doesn’t mean they’re not going to pick you. I think it’s important that people are always challenging their IT department or IT vendor, saying, ‘is this the best form of firewall?’

In fact, he added, ICNE works with a company that will provide an ethical hacker, which is someone not out to steal data, but to break into a system and then show the business what they found and how they got in.

“There has to be a discussion with the client about what they’re doing, how they’re identifying threats,” Ross added. “Everyone needs to be aware of it. Any time you’re dealing with any type of customer information, especially dealing with credit cards, Internet sales, anything that has to do with the web in any form or fashion, you could be exposed to liability should you be hacked and clients’ information be exposed. That’s the threat.”

Knowledge Is Power

The impact on businesses can be severe and long-term, the report noted, citing an Economist Intelligence Unit consumer survey conducted in 2013. It found that 18% of respondents had been a victim of a data breach, and, of those individuals, 38% said they no longer did business with the organization because of the breach. Meanwhile, 46% said they advised friends and family to be careful of sharing data with the breached company.

However, data breaches don’t always have malicious origins. According to the data breaches it serviced in 2013 and 2014, Beazley reported that the two most common sources of breaches are unintended disclosure, such as misdirected e-mails and faxes (31%), and the physical loss of paper records (24%), which is particularly prevalent among healthcare organizations.

Breaches due to malware or spyware represented only 11% of breaches in 2013 and 2014, but they have been increasing, the firm reported, with the total number of breaches in this category growing by 20% between 2013 and 2014. Due to heavy forensics costs — money spent to find out exactly how the breach occurred — these breaches are on average almost five times times more costly than unintended disclosure.

Still, considering the sheer number of cases of accidental data exposure, employers can take steps to prevent data theft, Ross noted. These include protecting every computer connected to the Internet or the internal network with anti-virus and anti-spyware software (including any laptops that connect wirelessly); installing security-software updates promptly to stay ahead of hackers; securing the company’s wi-fi network by requiring passwords or even configuring the wireless access point or router to hide the network name; securing computers and network components and requiring log-on passwords for all employees; and continually educating employees on security guidelines for computer, network, database, e-mail, and Internet usage, as well as penalties for violating those guidelines.

“The bad guys are always thinking up new things. It’s important to stay on top of it,” Trudeau added, noting that data breaches may not be doubling or tripling in frequency year over year, but they are rising slowly. The financial industry alone saw 642 incidents in 2014.

As a result, “the  number of people willing to buy data-breach insurance continues to increase year after year, as more customers start seeing it as something that should be part of their insurance portfolio,” he went on. “You need to be vigilant of the fact that someone may have come up with some way to hurt your organization that you’re not aware of yet.”

Grinnell told BusinessWest that there’s still too many holes out there, due to nothing more complicated than complacency.

“A lot of people think it it’s big businesses getting hacked — ‘they won’t get me.’ I think that’s beginning to change, but there’s a long way to go,” he said. “We need to get the word out and let people know the exposures that lurk out there and help them address them, both through insurance means and making sure they have the proper firewalls in place to prevent attacks as much as possible.”

In other words, anyone can be a Target, and there’s ample evidence that some common-sense precautions — and perhaps a well-written insurance policy — can go a long way.

Joseph Bednar can be reached a  [email protected]

Business of Aging Sections

Age-old Arguments

By ANN I. WEBER, Esq.

Ann Weber

Ann Weber

When you become a ‘senior,’ defined variously as 60 to 70 or older, you become eligible for legal benefits that are not available to your younger compatriots.

While many of these laws are needs-based, some are not — for example, Social Security, Medicare, and others which are available to all of us. The following is a non-exclusive list of some of these laws which might be of interest.

Timing Social Security Benefits

When you turn 62, you become eligible for early withdrawal of Social Security benefits, and this is a great benefit for people who for one reason or another cannot continue to be employed or who do not have a long life expectancy. However, for individuals born between 1943 and 1954, the monthly benefit at age 62 will be 75% of the full monthly benefit at age 66.

If you can wait for benefits until you are 70, there is an additional 8% increase every year for the four years between 66 and 70. So, before making a decision about when to start collecting these retirement benefits, consider the differences, taking into account your estimated life expectancy and your financial situation. For people who can afford to wait or who are worried about outliving their resources, waiting to file might be a good option to consider.

Medicare Hospice

As you probably know, for beneficiaries who are 65 and older, Medicare pays not only for medical and hospital services, but also for some home services and medical equipment used in the home. Less well-known perhaps are the hospice services available to anyone with a prolonged, life-threatening diagnosis.

Although the diagnosis must state that death is likely within six months, hospice now allows not only palliative but curative care, with the result that many individuals end up renewing their eligibility for the program in six-month installments, sometimes multiple times, or graduating from the program entirely.

Hospice services include scheduled in-home care and emergency 24/7 care, which can often obviate the need for routine medical appointments and some emergency-room visits. In addition, Medicare hospice assigns a licensed, professional social worker to beneficiaries to help the patient and family deal with the social and emotional ramifications of an end-of-life illness. It is a comprehensive home-healthcare program, and it’s free.

Charitable Giving from Retirement Funds

As a general rule, any withdrawal from a traditional individual retirement account (IRA) results in income taxation of the full amount withdrawn. However, if you are 70 1/2, you can make charitable gifts from your IRA up to $100,000, receive a full charitable deduction, and have the amount contributed count toward your required minimum distribution.

If you are charitably inclined and meet the age requirement, this is a great way to partially fund your charitable gifts with money that would otherwise be going to Uncle Sam.

Declaration of Homestead

In Massachusetts, a homeowner receives automatic protection from unsecured creditors up to $125,000 so long as the owner or covered family member occupies or intends to occupy the property as his or her principal place of residence. With a declaration filed on the land records, this protection is increased to $500,000 in total for the property.

However, for individuals 62 or older, a homestead may be filed on each individual’s behalf, so, for example, for two homeowners 62 or older, the aggregate protection increases to $1 million.

Reverse Mortgages

A reverse mortgage is similar to a purchase mortgage in that it is a loan from a bank or mortgage company to an individual. However, instead of using the funds advanced by the bank for purchase of a residence, a senior homeowner (62 or older) can use a portion of his or her home equity as collateral and receive cash in return.

Reverse-mortgage payments are not taxable, nor are the payments considered countable income for purposes of MassHealth (Medicaid) eligibility. However, reverse mortgages have fees due upon origination and servicing fees annually which can be substantial, and the loan will have to be repaid with interest which has accumulated over the life of the loan when the homeowner dies or no longer lives in the home as his or her principal residence.

In the right situation, these loans can be life savers, but, because of the fees and technical provisions, it may be wise to consult with a knowledgeable attorney before committing.

Durable Powers of Attorney

Durable powers of attorney are used to allow one person, the agent, to act for another, the principal, in financial matters. These provisions can take place immediately or be triggered by incapacity. Though powers of attorney can be utilized by people of all ages, signing a durable power of attorney can be one of the most important steps you can take if you are getting older to make sure your financial affairs are handled by the person you want and in the manner you would choose.

Under the Massachusetts Uniform Probate Code enacted in 2012, power of attorney was given additional muscle.  Specifically, in the event of an unreasonable refusal of a third party to honor the authority of a valid durable power of attorney, the agent can sue for damages.  This can be really helpful if the failure to honor an agent’s directions — for example, in a sale or purchase of property — results in a loss to the principal.

There are many other laws and programs which are available to seniors on a needs-based basis which have not been covered here. Additional information can be found at local senior centers and various government agencies, or by contacting an elder-law attorney. n

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

Daily News

BOSTON — U.S. Sen. Bernie Sanders will host a rally today at UMass Amherst. The presidential candidate will discuss a wide range of issues, including getting big money out of politics, combating climate change, and making college affordable.

The doors open at 4:30 p.m. for the “A Future to Believe In Rally” at the Mullins Center on the UMass campus. This event is free and open to the public, but RSVPs are strongly encouraged. To RSVP, visit go.berniesanders.com/page/event/detail/rally/4sdg. Admission is first come, first served.

For security reasons, attendees should not bring bags and limit what they bring to small, personal items like keys and cell phones. Weapons, sharp objects, chairs, and signs or banners on sticks will not be allowed through security. Parking is available on-site.

Daily News

AGAWAM — Meredith Wise, president of the Employers Assoc. of the NorthEast (EANE), announced the addition of four executives to the 18-member EANE board of directors: David Leslie, controller of Glenmeadow Inc. in Longmeadow; William Manthey, vice president and chief financial officer at Bridgeport Fittings Inc. in Stratford, Conn.; Erin Gisherman Minior, CEO of Jewish Family Services (JFS) of Rhode Island in Providence; and Michael Rocheleau, executive vice president and chief financial officer of PTA Corp. in Oxford, Conn.

EANE board members offer concrete counsel and valuable perspectives that help the organization remain at the forefront of employment relations and drive member engagement.

Leslie oversees the accounting and information-technology functions at Glenmeadow. Over the 19 years he has been with the company, he has negotiated tax-exempt bond and private-placement issues that have funded expansions and major renovations at Glenmeadow. He has overseen the responses to random audits by the IRS and DOL, both with successful outcomes. He is on the board of directors for the Community Music School of Springfield and has served on the board of directors of the East Longmeadow/Longmeadow Chamber of Commerce and East of the River 5 Town Chamber of Commerce. He remains connected to chamber service, sitting on two committees of the Springfield Regional Chamber of Commerce. He is also an Aging Services surveyor for CARF International.

Manthey has been vice president and CFO at Bridgeport Fittings for 13 years, and has held CFO and administrative positions in general management for Connecticut manufacturing companies over the last 40 years. He is also a certified management accountant, a certificate he received in 1981. He is a former chair of the board for the Manufacturing Alliance of CT and negotiated its acquisition by EANE. In his spare time, he does volunteer work in the Cheshire, Conn. Lions Club and was a co-founder and now vice president of the Cheshire Half Marathon Foundation.

Minior is responsible for the workings of JFS and for all services under its mission to care for families and individuals throughout their life cycle. These services include the Counseling Center, Adoption Options, Lifeline RI, home care, the Kosher Mealsite in Cranston, R.I., and Kosher Meals-on-Wheels, AgeWell RI, and Moes Chitim (the annual Passover appeal). She joined the agency in 1997 as coordinator of elderly services and became director of professional services in 1999. Currently, she is a member of the CEO Council of the Assoc. of Jewish Family & Children’s Agencies. She has been active in leadership positions with the Somerset Council on Aging, the YMCA, and Big Brothers Big Sisters. She has an extensive clinical background in social work and is an experienced instructor and supervisor.

Rocheleau has been with PTA Corp. for more than 20 years. Besides serving as executive vice president and CFO, his additional duties include serving as the general manager of the Oxford, Conn. business unit. Prior to joining PTA, he served as CFO for a multi-state plastics manufacturer with international operations, vice president of Operations for a multi-plant manufacturer and distributor of stainless-steel and specialty alloys, and corporate controller for a security and alarm company with significant growth fueled organically and through acquisitions. Early in his career, he held progressively more responsible positions in financial and operational accounting.

Daily News

AGAWAM — Jean Deliso, CFP, from the Connecticut Valley General Office of New York Life, is now authorized to offer AARP-branded life insurance and lifetime-income annuity products to AARP members. It is the first time these group-life-insurance products are offered by authorized-to-offer agents.

Deliso is among a select group of New York Life agents who became authorized to offer her clients AARP Guaranteed Acceptance Life, AARP Level Benefit Term, and AARP Permanent Life Insurance, all from New York Life and New York Life’s Guaranteed Lifetime Income Annuity. She is a licensed insurance agent and passed courses specific to AARP.

Deliso has been a New York Life agent since 1995. She serves on many boards in her community, including the Baystate Health Foundation and Pioneer Valley Refrigerated Warehouse, and is chairman of the board of the Community Music School of Springfield. She is past chairman of the board of the YMCA of Greater Springfield, past board member of AAA Pioneer Valley, and past trustee of the Community Foundation of Western Massachusetts and the advisory council at Bay Path University.

Since 1994, AARP group-life products from New York Life have been available via direct mail to AARP members. The company has also been the provider of group lifetime-income annuities to AARP members since 2006.

Luxury Living Sections

Expectations Are Soaring

Kevin Bradley

Kevin Bradley says business travel on Rectrix’s charter planes is increasing to and from Westfield Barnes Airport.

Westfield Barnes Airport is home to a number of businesses that provide a wide array of services, ranging from fixed-base operators, the equivalent of a commercial terminal for private planes, to general maintenance, antique restoration, retrofitting or upgrades to interiors, and avionics, which include communications, navigation, and other key systems. These companies are busy these days, as plane ownership is strong in the region — and not just among the rich.

Kevin Bradley calls them “time machines.”

He was referring to the private jets Rectrix has available for hire that are used by businesspeople to transport them to and from meetings in distant states.

Clients can drive their cars directly up to these well-outfitted aircraft that are stationed in general-aviation airports and board immediately, which saves the time it would take to park, check in, go through security, and suffer the delays that can occur at a commercial airport. Once passengers are airborne, they have access to technology, privacy, and comfort that allow them to continue their business dealings alone or in conjunction with the people they are traveling with, which can include satellite phone systems, wi-fi service, conference tables, and comfortable seating.

“If someone from Dallas needs to attend a meeting in Greenfield, they can charter a flight to Westfield Barnes Airport, find a rental car waiting for them on the ramp, and return home the same day,” said Bradley, vice president of operations for Rectrix Commercial Aviation Services Inc.

“If they flew commercially, they would probably have one or two connections and have to stay overnight,” he went on, adding that demand for the company’s services is high, and its target market is business travelers, although some people do charter jets to take them to vacation spots.

“These planes correlate to the Four Seasons — they are the Ritz Carlton of aviation in terms of luxury hospitality,” he told BusinessWest.

Rectrix, whose services in Westfield include a maintenance facility called AirFlyte, is one of three businesses at the 1,200-acre airport that provide a wide array of offerings that range from fixed-base operators (FBOs), which are the equivalent of a commercial terminal for private planes, to general maintenance, antique restoration, and retrofitting or upgrades to interiors, not to mention avionics, which include communications, navigation, and displays and management of multiple systems that aircraft need to function.

“People don’t realize how much general aviation occurs in Westfield,” Bradley explained. “Westfield Barnes Airport is a huge economic engine for the regional economy, and the businesses there have brought a tremendous infusion of money and skilled jobs to the area.”

Steve Cass agrees. “It’s a great location and a great place to work. We have approximately 250 people employed at our Westfield facility, and last year we serviced nearly 1,600 customers for both in-house and on-the-road events,” said the vice president of technical marketing and communications
for Gulfstream Aerospace Corp.

Meanwhile, Tom Trudeau, who founded Aero Design Aircraft Services in 1984 at Barnes, says city officials and the Federal Aviation Administration are very supportive of the airport, which is rare because Westfield could make more revenue by selling the land to developers.

“But this airport is pretty solvent,” he told BusinessWest, explaining that his company has always done well and has never been affected by downturns in the economy. All of Aero Design’s business comes from word-of-mouth advertising and ranges from inspections and general maintenance on small private planes to antique restorations, which can take several years if it requires taking a plane completely apart and rebuilding it.

Tom Trudeau

Tom Trudeau says Aero Design Aircraft Services is one of a few companies in New England that does restoration work on antique planes.

The company is one of a few in New England that does this type of restoration, and although this end of the business is limited to clients who can afford costly overhauls, Trudeau also caters to the lower end of the aviation business.

“Contrary to what most people think, flying is not necessarily a rich man’s activity. If you fly strictly for recreation, you can own a plane for less than the cost of a new car,” he said, adding the aircraft he works on range in price from $15,000 to about $3 million. About half his work is on planes used strictly for pleasure, while the remainder involves restoration on more expensive aircraft, which are often owned by businesses.

“But we’re so diverse,” he went on. “We update upholstery and do engine work and sheet metal repair — everything an airplane needs.”

For this edition and its focus on luxury living, BusinessWest takes a closer look at these companies that share space with the Massachusetts Air National Guard and Army National Guard at Westfield Barnes Airport, and how their work continues to take them to new heights.

Plane Speaking

Standards for maintaining aircraft are very strict, and all small planes must undergo annual inspections. Inspection times vary for larger aircraft, but a problem discovered on any plane must be repaired before it can be flown again.

Trudeau said most general-aviation planes in the air today are 15 to 20 years old, and, unlike automobiles, they increase in value as they age. For example, a four-person passenger plane that cost $20,000 in 1975 is worth double that today, and, if it’s in exceptional condition, the value is a lot higher.

As a result, Aero Design is often called upon to install new radios and instrumentation in addition to making upgrades to the interiors of aircraft, and the quality and scope of the company’s work on antique planes has been featured in a number of aviation magazines.

At present, the company is in the process of completely rebuilding a 1952 de Haviland Super Chipmunk, a process that has taken three years. “It probably cost $4,000 to $5,000 when it was new, but it’s worth $200,000 now because it’s so rare and has been modified and upgraded through the years,” Trudeau noted.

Although catering to this market is more lucrative than doing inspections and small repairs or upgrades, the company can do anything an airplane needs, Trudeau said. He has four to five employees and also works on the planes himself. The jobs the company undertakes are so diverse that it never lacks for business, especially since there is always a new generation of pilots purchasing small aircraft.

“Flying gets into your blood, and we have customers who don’t need their planes for business, but just enjoy going up in the air. We also service sport planes, aircraft used by businesses, and planes people have built themselves,” the pilot said, explaining that Aero Design’s clients range from a farmer to a dentist to people who have taken up flying in retirement.

Gulfstream caters to an entirely different market, and works almost exclusively on its own fleet, along with Falcon aircraft.

The interior layout of Gulfstream jets

The interior layout of Gulfstream jets allows business travelers to work in a private, comfortable setting.

Cass said the Northeast has proven to be a very popular corridor for business travel due to financial districts in New York and the number of businesses in Boston, and 65% of its 2,500 planes are kept in the U.S.

In fact, business has been so good that, in 2013, Gulfstream built a new, 125,000-square-foot hangar in Westfield to accommodate not only its flagship G65OER jet, which costs $65 million, holds up to 16 passengers, and can travel non-stop from Boston to Beijing — a distance of about 7,500 nautical miles — but an influx of other models that routinely need service.

“The new hangar doubled the capacity of planes we can store there,” Cass told BusinessWest, adding that there was a real need for the structure due to the increase in business jet travel.

The company’s Westfield location is one of eight service centers in the U.S. and three overseas, in London, Brazil, and Beijing.

“As the fleet continues to grow, more investments are made in infrastructure,” Cass continued, adding that more than 50% of Gulfstream jets are owned by corporations, 30% are owned by individuals, and fewer than 10% are used by the government or built for special missions.

These jets are popular with Fortune 500 companies and other large firms because their cabins are quieter than commercial planes, the pressurization is better, which makes flying easier on the body, and large windows are tailored to provide a lot of natural light and better viewing.

“They allow business travelers to be productive while they’re in the air,” Cass noted. “In addition to high-speed Internet, people can have private phone conversations with a level of security that is important to them.”

Gulfstream produces about 100 to 150 new aircraft each year, and its Westfield operation has shown long-term, steady growth as the fleet continues to grow.

Propelling Growth

Bradley said Rectrix started as an FBO in 2005 in Hyannis, expanded to Sarasota, Fla. in 2008, and has two facilities at Barnes.

The first is AirFlyte Inc., which handles maintenance, and the second is its Aerodrome FBO Center, which is one of five such brick-and-mortar facilities in Massachusetts and Florida that offer amenities such as private business suites, state-of-the-art conference centers, and chart and weather rooms.

Rectrix purchased AirFlyte in 2012 from Gary and Judy Potts, who established the business in 1988. “Our companies complemented one another, and it filled a void in Rectrix,” Bradley explained, adding that, although AirFlyte wasn’t on the market at the time, its owners were willing to sell because the direction Rectrix planned to go in fit well with their vision for the future.

The purchase gave Rectrix a foothold in every geographic area in the state, boasting other locations in Worcester, Bedford, and Hyannis, and AirFlyte has been expanded to those sites, as well as Florida.

AirFlyte also attained the elite status of being named an FAA 14 CFR Part 145 Repair Station, which means it is held to high standards, and its programs, systems, and methods of compliance are thoroughly reviewed, evaluated, and tested. The FAA specifies the types of aircraft that can be serviced, and random drug and alcohol testing and stringent background checks on employees are included.

“We can work on almost any corporate jet, and we complement Gulfstream,” Bradley said, adding that Rectrix has registered 400% growth over the past two and a half years. In fact, after AirFlyte was acquired and its FBO in was rebranded with the Retrix name, the company purchased another FBO at Barnes called Five Star Jet Center, which was a competitor.

The company owns two Challenger 300 jet aircraft and five Learjet 45s, and manages an additional five aircraft, which are all brought to Westfield for maintenance.

“There is a fair demand in Western Mass. for business travel on private jets, and our fleet is wi-fi equipped so business isn’t interrupted while people are in the air,” Bradley noted, adding that there are about 500 commercial airports in the U.S. and about 15,000 general-aviation airports, which means travelers who fly in private planes can typically get closer to their destinations. “Some of our planes have satellite TVs, and some have videoconferencing, which allows them to be airborne conference rooms.”

The FBO and maintenance facility in Westfield complement each other, and AirFlyte Inc. services about 50 planes there each year. Its work includes inspections, repairs, and some avionics upgrades and interior improvements such as new carpeting, leather upholstery, entertainment and communications systems, and lighting; however, the company doesn’t do retrofitting.

Taking Flight

Demand for services at Westfield Barnes Airport continues to grow as private planes are used more frequently for business and pleasure.

“Not only do the companies there infuse the economy with money and good-paying jobs, they attract new customers. We view them as one unit because they offer a full complement of services,” Bradley said, adding that people don’t realize how much general aviation occurs there, and the use of business aircraft is a good gauge of how the business market is doing, as growth in the industry means deals are being made and the economy is growing instead of contracting.

“Over the past two years, there’s been an increase of 20% in use of our private jets by individuals, and the rest can all be attributed to business travel,” he continued.

Which means these companies at Barnes are not only helping to bolster the local economy, but they’re raising it to new heights as more people use ‘time machines’ and take to the air for business and pleasure.

Sections Technology

A Critical Skills Gap

CyberSecurityAmerican employers have realized the vital importance of cybersecurity — but that realization has created a near-term shortage of workers that may require long-term solutions.

Cybersecurity was once the province of defense contractors and government agencies, but in the third edition of its annual cybersecurity job-market analysis, Burning Glass found that hiring has boomed in industries like finance, healthcare, and retail.

A glance at the headlines is enough to explain why. In addition to the federal Office of Personnel Management, recent cyber breaches have hit major consumer companies like Chase and Target. According to PricewaterhouseCoopers’ 2015 State of U.S. Cybercrime Survey, a record 79% of survey respondents said they detected a security incident in the past 12 months. Many incidents go undetected, however, so the real tally is probably much higher.

Yet, we are also seeing multiple signs that demand for these workers is outstripping supply. Job postings for cybersecurity openings have grown three times as fast as openings for IT jobs overall, and it takes companies longer to fill cybersecurity positions than other IT jobs. That’s bad for employers, but good news for cybersecurity workers, who can command an average salary premium of nearly $6,500 per year, or 9% more than other IT workers.

Or, put another way, there were nearly 50,000 postings for workers with a CISSP certification in 2014, the primary credential in cybersecurity work. That amounts to three-quarters of all the people who hold that certification in the U.S. — and presumably most of them already have jobs.

This is a gap that will take time to fill. The skills for some IT positions can be acquired with relatively little training, but cybersecurity isn’t one of them. For example, five years of experience are required to even apply for a CISSP certification. That doesn’t even consider the rising demand for experience in a specific industry, like finance or healthcare. This suggests that the shortage of cybersecurity workers is likely to persist, at least until the education and training system catches up.

Among the key trends in cybersecurity jobs:

• These jobs are in demand and growing across the economy. The professional-services, finance, and manufacturing/defense sectors have the highest demand for cybersecurity jobs. The fastest increases in demand for cybersecurity workers are in industries managing increasing volumes of consumer data, such as finance (+137% over the last five years), healthcare (+121%), and retail trade (+89%).

• Positions calling for financial skills or a security clearance are even harder to fill than other cybersecurity jobs. The hardest-to-fill cybersecurity jobs call for financial skills, such as accounting or knowledge of regulations associated with the Sarbanes-Oxley Act, alongside traditional networking and IT security skills. Because finance and IT skills are rarely trained for together, there is a skills gap for workers who meet the requirements of the ‘hybrid jobs.’ Meanwhile, more than 10% of cybersecurity job postings advertise a security-clearance requirement. These jobs, on average, take 10% longer to fill than cybersecurity jobs without a security clearance.

• Cybersecurity positions are more likely to require certifications than other IT jobs. About one-third (35%) of cybersecurity jobs call for an industry certification, compared to 23% of IT jobs overall.

• Cybersecurity employers demand a highly educated, highly experienced workforce. Some 84% of cybersecurity postings specify at least a bachelor’s degree, and 83% require at least three years of experience. Because of the high education and experience requirements for these roles, skills gaps cannot easily be resolved though short-term solutions. Employers and training providers must work together to cultivate a talent pipeline for these critical roles.

• Geographically, cybersecurity jobs are concentrated in government and defense hubs, but are growing most quickly in secondary markets. On a per capita basis, the leading states are Washington D.C., Virginia, Maryland, and Colorado; all have high concentrations of jobs in the federal government and related contractors.

Burning Glass is a Boston-based firm that delivers job-market analytics that help employers, workers, and educators make data-driven decisions. Its full report on cybersecurity jobs is available online at burning-glass.com/research/cybersecurity.

Daily News

AGAWAM — Six Flags New England, the region’s largest theme park, is hiring 3,000 seasonal employees for the 2016 season, opening April 9.

The annual job fair is being held on Friday, Feb. 26 from 3 to 8 p.m. and Saturday, Feb. 27 from 10 a.m. to 3 p.m. and will take place at the Human Resources building at 1756 Main St., Agawam. The park is hiring for all positions, including admissions, culinary services, games, lifeguards, loss prevention, park services, EMT, security, entertainment, retail, and rides.

Interested applicants must be at least 16 years old and should be prepared for on-the-spot interviews, so appropriate dress is encouraged. It is recommended that all interested candidates apply online at sixflagsjobs.com prior to arrival.

In addition, entertainment auditions will be held on Sunday, Feb. 21 and Sunday, Feb. 28 from 11 a.m. to 3 p.m. at the Human Resources building. Six Flags is seeking actors, dancers, characters, superheroes, drummers, and technical staff for spring and summer shows.

All applicants are encouraged to arrive early. Interviewees will be seen on a first-come, first-served basis, with limited positions in specialty areas. Anyone with questions may contact Human Resources at (413) 786-9300, ext. 3100.

Daily News

PITTSFIELD — Christopher Buono has joined the CompuWorks HealthyIT team as virtual chief information officer. As a VCIO, he guides clients through the critical process of aligning technology decisions with organizational goals by understanding where the company is today and its vision for the future.

Buono has worked in the information-technology field for more than 20 years, including 12 years in leadership roles. He holds a bachelor’s degree in management information systems from the University at Albany Business School and attended the MBA program at Rensselaer Polytechnic Institute’s Lally School of Management. He holds numerous technical certifications, including Microsoft Certified Systems Engineer, Certified Novell Engineer, Certified Information Systems Security Professional, and Cisco Certified Network Administration. He serves on the board for Community Health Programs and on the strategic planning committee for WAM Theatre.

According to CompuWorks partner Alan Bauman, “we are very pleased to have Chris on our team and to be able to offer his depth and breadth of experience and perspective to meet the IT challenges of our clients.”

Class of 2016 Difference Makers

His Career Has Been All About ‘Embracing the Challenge’

Hampden County Sheriff Michael J. Ashe Jr.

Hampden County Sheriff Michael J. Ashe Jr.
Leah Martin Photography

Since taking office back in January 1975, Michael Ashe has spent roughly 15,000 days as sheriff of Hampden County.

The one everyone remembers was that Friday in October 1990 when he led what amounted to an armed takeover of the National Guard Armory on Roosevelt Avenue in Springfield. It was mounted in response to what Ashe considered dangerous overcrowding at the county jail on York Street, built in 1886 to house a fraction of the inmates he was hosting at the time.

The incident (more on it later) garnered headlines locally, regionally, and even nationally, and in many ways it finally propelled Hampden County’s commissioners to move toward replacing York Street — although nothing about the process of siting and then building the new jail in Ludlow would be considered easy.

While proud of what transpired on that afternoon more than 25 years ago, Ashe, now months away from retirement, hinted strongly that he would much rather be remembered for what transpired on the 14,999 or so other days. These would be things that didn’t land him on the 5 o’clock news, necessarily (although sometimes they did) — but did succeed in changing lives, and in all kinds of ways.

Summing up that work, he used the phrases “embracing the challenge” and “professional excellence” for the first of perhaps 20 times, and in reference to himself, his staff, and, yes, his inmates as well.

Elaborating, he said professional excellence is the manner in which his department embraces the challenge — actually, a whole host of challenges he bundled into one big one — of making the dramatic leap from essentially warehousing inmates, which was the practice in Hampden County and most everywhere else in 1974, to working toward rehabilitating them and making them productive contributors to society.

This philosophy has manifested itself in everything from programs to earn inmates a GED to the multi-faceted After Incarceration Support Systems Program (AISSP), to bold initiatives like Roca, designed to give those seemingly out of options one more chance to turn things around.

Slicing through all those programs, Ashe said the common denominator is making the inmate accountable for making his or her own course correction and, more importantly, staying on that heading. And the proof that he has succeeded in that mission comes in a variety of forms, especially the recently released statistics on incarceration rates in Hampden County.

They show that, between September 2007, when there were 2,245 offenders in the sheriff’s custody — the high-water mark, if you will — and Dec. 31, 2015, the number had dropped to 1,432, a 36% reduction.

Some of this decline can be attributed to lower crime rates in Springfield, Holyoke, and other communities due to improved policing, but another huge factor is a reduction in the number of what the sheriff’s office calls “recycled offenders” through a host of anti-recidivism initiatives.

Like the Olde Armory Grille. This is a luncheon restaurant and catering venture (a break-even business) operated by the Sheriff’s Department at the Springfield Technology Park across from Springfield Technical Community College, and in one of the former Springfield Armory buildings, hence the name. It is managed by Cpl. Maryann Alben, but staffed by inmates engaged in everything from preparing meals to cashing out customers.

‘Bill’ (rules prohibit use of his last name) is one of the inmates currently on assignment.

He’s been working on the fryolator and doing prep work, often for the hot entrée specials, and hopes to one day soon be doing such work in what most would call the real world, drawing on experiences at the grille and also while working for his uncle, who once owned a few restaurants.

He said the program has helped him with fundamentals, a term he used to refer to the kitchen, but also life in general.

“I went from being behind the wall to being out in the community,” he said. “And now I’m into the community.”

Bill’s journey — and Ashe’s life’s work — are pretty much defined by something called the “Hampden County Model: Guiding Principles for Best Correctional Practice.”

There are 20 of them (see bottom), ranging from No. 4: “Those in custody should begin their participation in positive and productive activities as soon as possible in their incarceration” to No. 15: “A spirit of innovation should permeate the operation. This innovation should be data-informed, evidence-based, and include process and outcome measures.”

But it is while explaining No. 2 — “Correctional facilities should seek to positively impact those in custody, and not be mere holding agents or human warehouses” — that Ashe and his office get to the heart of the matter and the force that has driven his many initiatives.

“It is a simple law of life that nothing changes if nothing changes,” it reads.

By generating all kinds of change, especially in the minds and hearts of those entrusted to his care, Ashe is the epitome of a Difference Maker.

Coming to Terms

Sheriff

The old and the new

The old and the new: above, Mike Ashe at the old York Street Jail, which was finally replaced in the ’90s with a new facility in Ludlow, bottom.

Ashe told BusinessWest that, when he first took the helm as sheriff in 1975, not long after a riot at York Street, he was in the jail almost every day, a sharp departure from his current schedule.

Perhaps the image he remembers most from those early days was the white knuckles of the inmates. They were hard to miss, he recalled, as the prisoners grasped the bars of their cells, an indication, he believed, of immense frustration with their plight.

“There was a great deal of tension, and you see it in those knuckles.” he said. “Inmates had a lot of time on their hands; people were just languishing in their cells. I think the only program they had at the time was a part-time education program conducted with the Springfield School Department, an adult basic-education initiative. That was it, and it was only part-time.”

Doing something about those white knuckles has been, in many ways, his personally written job description. As he talked about everything involved with it, he spent most of his time and energy discussing how one approaches that work, using more words that he would also wear out: ‘intensity’ and ‘focus.’

Together, those nouns — as well as the operating philosophy “firm but fair, and having strength reinforced with decency” — have shaped a remarkable career, one that he freely admits lasted far longer than he thought it would when he took out papers to run for sheriff early in 1974. It’s been a tenure defined partly by longevity — since he was first elected, there have been seven U.S. presidents (he had his photo taken with one — Jimmy Carter); eight Massachusetts governors (nine if you count Mike Dukakis twice, because he had non-consecutive stints in office); and eight mayors of Springfield — but in the end, that is merely a sidebar.

So too, at least figuratively speaking, are the takeover of the Armory and the building of a new Hampden County jail, although the former was huge news, and the latter was a long-running story, as in at least 20 years, by most accounts.

Recalling the Armory seizure, Ashe said it was a back-door attempt — literally, the sheriff’s department officials gathered at the front door while the inmates were brought in through the back — to bring attention to the overcrowding issue, because all other attempts to do so had failed to yield results.

“We were trying to get people to listen, because it was clear to us that they weren’t listening,” he explained. “We went to the Armory that Friday afternoon and basically evoked a law that went back to the 1700s. Getting into the building was key; once we did that, we knew we’d get everyone’s attention.”

No, the sheriff’s story isn’t defined only by the Armory takeover or his long tenure. It involves how he spent his career working to give his staff less work to do — or at least fewer inmates to guard.

To explain the philosophy that has driven the many ways Ashe has worked to lessen that workload, one must go back to guiding principle No. 2.

“If incarceration is allowed to be a holding pattern, a period of suspended animation, those in custody are more likely to go back to doing what they have always done when they are released,” it reads, “because they will be what they have always been. The only difference may be that they have more anger and more shrewdness as they pursue their criminal career.”

Elaborating on what this principle and the others mean in the larger scheme of things, Ashe said most inmates assigned to his care have been given sentences of seven to eight  months. Relatively speaking, that’s a short window, but it’s an important time. And what the sheriff’s office does with it — or, more importantly, what that office enables the inmate to do with it — will likely determine if the individual in question becomes one of those recycled offenders.

So we return once more to the second principle for insight into how Ashe believes that time should be spent.

“Most inmates come to jail or prison with a long history of social maladjustment, carrying a great deal of baggage in the form of histories of substance abuse; deficits in their educational, vocational, and ethical development; and disconnectedness to the mores and values of the larger community,” it reads. “Given the time and resources dedicated to corrections, it is absolute folly in social policy not to seek to address these deficit areas that inmates have brought to their incarceration.”

And address them he has, through programs that have won recognition nationally, but, more importantly, have succeeded in bringing down the inmate count by reducing the number of repeat offenders.

Sentence Structure

As he talked about these programs, Ashe began by offering a profile of his inmates, one of the few things that hasn’t changed much in 40 years.

“Roughly 90% come there with drug or alcohol problems,” he explained. “You’re looking at a seventh-grade education, on average; 93% of them lack any kind of marketable skill; and 70% of the people are unemployed at the point of arrest.

“Everyone knows that, in the state of Massachusetts, no one just happens to end up in jail — they land there after a long period of what I call irresponsible behavior,” he went on, adding that, likewise, no one just happens to correct that behavior and rehabilitate themselves.

Instead, that comes about by addressing those gaps he mentioned, or doing something about addiction, the lack of an education, the shortage of marketable skills, and the absence of a job.

In a nutshell, this is what the sum of the programs Ashe and his staff have created — both inside and outside the prison walls — is all about.

“What I’m most proud of, I think, is that we never waved at those gaps,” he told BusinessWest. “We put together strategies to deal with these issues.”

And as he likes to say — in those principles, or to anyone who will listen — re-entry to society begins on the first day of incarceration.

That’s when an extensive, seven- to 10-day orientation program and testing period begins, one designed, as Ashe said, to let staff “get to know the inmate — let’s find out who this guy is.”

Such steps are important, he went on, because even amid all those common denominators concerning education, addiction, and lack of job skills, there is still plenty of room for individualization when it comes to correctional programs.

Orientation is then followed by a mandatory transitional program, during which the sheriff says he’s trying he capture the inmate’s heart and mind. Far more times than not, he does, although sometimes it’s a struggle.

And as he said, the work has to begin immediately.

“I didn’t want them to languish,” he explained. “In years past, we would have programs, but they would have a beginning and an end, so you had waiting lists; to get into the GED program would take three weeks, to get into anger management would take four weeks, and I didn’t want that.

“If they come in and just languish in a cell for four, five, or six weeks, I’ve lost them,” he went on. “The subculture wins out — the inmates take over.”

There are always those reluctant to enter the mandatory transition program, the sheriff noted, adding that these individuals are sent to what’s known as the ‘accountability pod,’ a sterile environment where there are fewer rights and privileges. In far more cases than not, time spent there produces the desired results.

“Inevitably, what happens is, at the end of two to four weeks, they say, ‘Sheriff, I get it,’” Ashe told BusinessWest. “They say, ‘this is a coerced program … mainstream me; I’ll go to your programs.’ Not all the time, but a lot of the time, inmates will look back and say, ‘Sheriff, I’m glad you forced me to go through this.’”

Elaborating, he said ‘this’ is the process of addressing the various forms of baggage identified in principle 2 — addiction, lack of education, and a lack of job skills. Initiatives to address them include intense, 28-day addiction-treatment programs; GED classes; an extensive vocational program featuring graphics, welding, carpentry, food service, and other trades; and more.

Many of those who take part in the culinary-arts program will then move on to work at the Olde Armory Grille, an example — one of many — of how the work that begins inside the walls can lead to a productive life when one moves outside those walls.

Indeed, roughly 80% of the women who work in various capacities at the grille — and statistics show women enter the county jail with even fewer marketable skills than men — are finding work in the hospitality sector upon release, said Ashe.

To find out how that specific program works, and how it exemplifies all the programs operated by the Sheriff’s Department, we talked to Alben and Bill.

Food for Thought

The grille, which opened its doors in 2009, is in many ways an embodiment of that line explaining principle 2 regarding change. Indeed, there was a good deal of apprehension about this initiative at first, the sheriff recalled, adding that those attitudes had to change before the facility could become reality.

Over the years, it has become one of the most visible examples of the Sheriff’s Department’s focus on providing inmates with a fresh start — and a popular lunch spot for the hundreds of employees at the tech park and the community college across Federal Street.

Sheriff Ashe with Maryann Alben

Sheriff Ashe with Maryann Alben, catering and dining room manager at the Olde Armory Grille.

The restaurant is designed to provide real work experience and training for participants returning from incarceration as they re-enter communities, said Alben, adding that it involves inmates from the Ludlow jail, the Western Mass. Regional Women’s Correctional Center in Chicopee, and the Western Mass. Correctional Alcohol Center. These are inmates in what is known as ‘pre-release,’ meaning they can leave the correctional facility and go out into the community and work.

When asked what the program provides for its participants, who have to survive a lengthy interview process to join the staff, Alben didn’t start by listing cooking, serving, making change, or pricing produce — although they are all part if the equation. Instead, she began with prerequisites for all of the above.

“Self-esteem is huge,” she said. “When most women come in here, they have slouched shoulders … many of them have never had a job before,” she explained, adding that this is reality even for individuals in their 40s or 50s. “You bring them in here, and you try to build them up. Some of them will catch on sooner than others; some of them worked in restaurants way back when.

“We help them understand how to work with customers and leave the jail behind them,” she went on, adding that inmates don’t often exercise their people skills inside the walls, but must hone those abilities if they’re going to make it in the real world.

And many do, she went on, adding that there are many employers within the broad restaurant community who are able and, more importantly, willing to take on such individuals.

In fact, roughly 87% of those who take part are eventually placed, usually in kitchen prep work, she said, a statistic that reflects both the need for good help and the quality of the program.

Bill hopes to be a part of the majority that uses the grille as an important stepping stone.

“This is the next step in getting back into the community 100%,” he explained. “Not only with getting up early with a job to go to five days a week, but in the way it prepares me mentally and fundamentally for the next step into the real world.”

Such comments explain why an inmate’s final days at the grille involve more emotions than one might expect.

Indeed, the end of one’s service means the beginning of a new and intriguing chapter, which translates into happiness tinged with a dose of apprehension. Meanwhile, there is some sadness that results from the end of friendships forged with customers who frequent the establishment. And there is also gratitude, usually in large quantities.

“We’re giving them a chance to prove themselves,” said Alben. “And when they leave here, most of all them will say, ‘thank you for believing in me.’”

If they could, they would say the same thing to Sheriff Ashe. He not only believed in them, he challenged them and held them accountable, a real departure from four decades ago and what could truly be called white-knuckle times.

No Holds Barred

When asked what he would miss most about being sheriff of Hampden County, Ashe paused for a moment to think back and reflect.

“I think I would have to say that it’s the challenges, embracing the challenges,” he said one last time. “I’ll miss the work of recognizing the problems that our society faces and trying to come up with solutions.”

That answer, maybe as much as anything that he’s done over the past 41 years and will do over the next 11 months, helps explain why Ashe will be remembered for much more than what happened at that National Guard Armory.

And why he’s truly a Difference Maker.

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

 

Guiding Principles of Best Correctional Policy

(As developed by the Hampden County Model, 1975-2013)

1. Within any correctional facility or operation, there must be an atmosphere and an ethos of respect for the full humanity and potential of any human being within that institution and an effort to maximize that potential. This is the first and overriding principle from which all other principles emanate, and without which no real corrections is possible.

2. Correctional facilities should seek to positively impact those in custody, and not be mere holding agents or human warehouses.

3. Those in custody should put in busy, full, and productive days, and should be challenged to pick up the tools and directions to build a law-abiding life.

4. Those in custody should begin their participation in positive and productive activities as soon as possible in their incarceration.

5. All efforts should be made to break down the traditional barriers between correctional security and correctional human services.

6. Productive and positive activities for those in custody should be understood to be investments in the future of the community.

7. Correctional institutions should be communities of lawfulness. There should be zero tolerance, overt or tacit, for any violence within the institution. Those in custody who assault others in custody should be prosecuted as if such actions took place in free society. Staff should be diligently trained and monitored in use of force that is necessary and non-excessive to maintain safety, security, order, and lawfulness.

8. The operational philosophy of positively impacting those in custody and respecting their full humanity must predominate at all levels of security.

9. Offenders should be directed toward understanding their full impact on victims and their community and should make restorative and reparative acts toward their victims and the community at large.

10. Offenders should be classified to the least level of security that is consistent with public safety and is merited by their own behavior.

11. There should be a continuum of gradual, supervised, and supported community re-entry for offenders.

12. Community partnerships should be cultivated and developed for offender re-entry success. These partnerships should include the criminal-justice and law-enforcement communities as part of a public-safety team.

13. Staff should be held accountable to be positive and productive.

14. All staff should be inspired, encouraged, and supervised to strive for excellence in their work.

15. A spirit of innovation should permeate the operation. This innovation should be data-informed, evidenced-based, and include process and outcome measures.

16. In-service training should be ongoing and mandatory for all employees.

17. There should be a medical program that links with public health agencies and public health doctors from the home neighborhoods and communities of those in custody and which takes a pro-active approach to finding and treating illness and disease in the custodial population.

18. Modern technological advances should be integrated into a correctional operation for optimal efficiency and effectiveness.

19. Any correctional facility, no matter what its locale, should seek to be involved in, and to involve, the local community, to welcome within its fences the positive elements of the community, and to be a positive participant and neighbor in community life. This reaching out should be both toward the community that hosts the facility and the communities from which those in custody come.

20. Balance is the key. A correctional operation should reach for the stars but be rooted in the firm ground of common sense.