Daily News

SPRINGFIELD — Cambridge College and the International Language Institute of Massachusetts (ILI) recently announced a partnership through the University Pathways Program. Through this partnership, international students in the University Pathways track receive the academic support and counseling they need to help them transition successfully to Cambridge College.

ILI carefully selects its partner colleges and universities. Cambridge College was selected because of its program offerings and commitment to the adult-learning model.

“I am so excited that we have formed this partnership,” said Teresa Forte, director, Cambridge College – Springfield. “Both organizations are committed to working with the adult community. ILI is an impressive organization, and this agreement will allow both schools to expand our international footprint and serve more students in need.”

The partnership provides an opportunity for international students who attend and successfully graduate from the ILI to be exempt from taking the TOEFL exam for admissions at Cambridge College and its 13 other partner schools. Additionally, the institute offers free part-time afternoon and evening English classes at its downtown Northampton site.

“We are so pleased to welcome Cambridge College to the University Pathways Program, and we look forward to working with the college in welcoming students from around the world for study in the United States. When strong, like-minded partners team up, the opportunities are limitless,” said Caroline Gear, executive director, International Language Institute of Massachusetts.

Daily News

AMHERST — Yubing Sun, a professor of Mechanical and Industrial Engineering at UMass Amherst, is using a three-year, $400,000 grant from the National Science Foundation to study the biomechanical forces and chemical factors that cause birth defects of the brain and spinal cord in the first few weeks of fetal development. Known as neural tube defects, these conditions occur when critical parts of the central nervous system don’t develop properly.

Sun said researchers have some knowledge about neural-tube defects and know that folic acid greatly reduces the risk for the defects, but they don’t know why.

During the first few weeks of development in pregnancy, a ribbon of tissue turns into a tube that becomes the spinal cord and brain. When the tube fails to close or is incomplete, birth defects such as spina bifida and anencephaly occur. Sun said he wants to gain a greater understanding of the mechanical and chemical factors that guide the development of the neural tubes, and will use human cells to study this.

Because stem cells are the basic building blocks of the human body, they rely on mechanical and chemical signals to develop into specific types of tissue like bone and nerves, Sun said. His research will seek to understand how the stem cells that create the neural tubes get those signals and instructions on how to develop.

“We want to provide an engineered environment similar to the organization in our body,” he noted, adding that the stem cells likely respond to both mechanical forces, such as pressure from tissue boundaries, and chemical signals that vary according to where it goes in the cell and in what concentration. “We want to know the details of that mechanism.”

The researchers will test the idea that micro-patterned cell-culture environments can cause human cells to mimic the spatial patterning of cells as they develop in the body by responding to confinement of tissues and changing chemical gradient.

“This is an important first step to tease out the mechanics of neural development,” Sun said. “This also has great promise for regenerative medicine.”

Sun is the head of the College of Engineering’s Laboratory for Multiscale Bioengineering and Mechanobiology, which applies and integrates fundamental engineering principles — such as manufacturing, biomechanics, materials science, and micro- or nano-engineering — to understand and harness the mechano-biology of stem cells for modeling currently incurable human diseases and for applications in regenerative medicine.

Daily News

WEST SPRINGFIELD — Modern Salon Media has named the 2017 class of “Excellence in Education” honorees in its seventh annual program recognizing leadership and best practices among cosmetology schools. DiGrigoli School of Cosmetology was chosen to represent excellence in the following categories: Community Involvement, Marketing, and School Culture.

Modern Salon Publisher Steve Reiss announced the honorees during the recent American Assoc. of Cosmetology Schools 2017 convention in Las Vegas. Honorees were determined based on key criteria in each category, and grouped according to number of locations. Honorees were chosen in each category — one individual school location and a multi-location school organization.

“We received applications from cosmetology schools across the country and look forward to celebrating all the 2017 Excellence in Education honorees and sharing their stories. It is truly a great time to pursue a beauty education and career, and the program at DiGrigoli School of Cosmetology exemplifies that fact,” Modern Salon Editorial Director Michele Musgrove said.

Added Paul DiGrigoli, owner of DiGrigoli School of Cosmetology, “I want to express my sincere gratitude to all of our students and staff for following the ‘three C’s,’ which we practice every day — culture, community, and customer service. These are our strongest values and beliefs at DiGrigoli.”

Sharing stories of innovation, inspiration, and collaboration from a diverse group of leading schools is an important part of Modern Salon’s “Excellence in Education” mission, Musgrove explained. “We want to help spread the word about the exceptional work cosmetology schools are doing to help launch beautiful careers. We hope the professional salon industry and their communities will join us in celebrating them.”

Daily News

SPRINGFIELD — Revitalize CDC will celebrate 25 years of revitalizing homes, neighborhoods, and lives on #GivingTuesday, Nov. 28, from 5:30 to 8 p.m. at the Basketball Hall of Fame, 1000 Hall of Fame Ave., Springfield. The program begins at 6:30 p.m.

More than 300 volunteers, past recipients — including those affected by the tornadoes in 2011 — donors, and sponsors will join in the celebration.

There is no charge to attend; however, attendees are asked to make a donation to support critical home repairs for low-income families with children, the elderly, military veterans, and people with special needs.

Daily News

LONGMEADOW — The Commission on Collegiate Nursing Education (CCNE) voted in its October 2017 meeting to grant full accreditation through December 31, 2022 to the American Women’s College at Bay Path University’s RN to BSN Completer Program.

This program allows for licensed, registered nurses with an associate or diploma degree to return to college to complete a bachelor’s degree in nursing. Bay Path’s program is fully online, allowing students to enroll and participate from across the country, and the accelerated format means that, for most students, the degree can be achieved in 18 months.

“The national challenge for 80% of nurses to be BSN-prepared by 2020 indicated to us a great need for a flexible, affordable solution for registered nurses whose lives are already so full, between caring for others at work and, on top of that, having families, hobbies, and other personal responsibilities,” said Amanda Gould, chief administrative officer for the American Women’s College at Bay Path University. “Our accelerated, 100%-online program gives them an opportunity to take their education to the next level on their terms, around their own rigorous schedules, so they come out after just 18 months ready to elevate their careers.”

The first cohort of 22 BSN students graduated in May. They were honored with a pinning ceremony, a tradition that has been considered a rite of passage in the nursing field since 1916 when it became common practice for all nursing graduates to be presented with a pin symbolizing their educational accomplishments.

“We are proud to be recognized by CCNE with full accreditation for the RN to BSN Completer Program,” said Marjorie Bessette, RN, MSN, director of the Nursing program. “The collective commitment to quality education demonstrated each day by our faculty, staff, and community partners to provide our students with the knowledge and skills they need to be outstanding nurses is at the heart of our work, and our program status reflects that.”

The American Women’s College at Bay Path University maintains partnerships with Baystate Health and Mercy Medical Center to work together to increase the number of nurse practitioners with BSN degrees.

“As a nurse, I want to give the best possible care that I can to patients. It’s my job to save lives. Completing my BSN has ensured that I can do just that,” said Laura Mazur, a nurse at Baystate Medical Center who graduated from Bay Path’s program this spring. “I used to think of myself as an in-class learner, but as a floor nurse working the midnight shift, I simply didn’t have the time to spend in a classroom. The online program through the American Women’s College fit well into my life.”

Daily News

SPRINGFIELD — Springfield Technical Community College’s (STCC) dental hygiene program and the Valley District Dental Society will co-host the first Community Dental Day on Saturday, Dec. 9. The event provides an opportunity for area residents who might not be receiving any dental care to obtain free treatment and schedule follow-up visits.

The dental hygiene clinic in Building 20 at STCC will be open from 9 a.m. to 4 p.m. Valley District Dental Society licensed dentists, together with STCC dental hygiene and assisting students, will offer patient education, health screenings, diagnosis, X-rays, and other types of urgent care.

“It will not be unlimited care, but there will be such treatment as fillings, extractions, sealants, and taking care of urgent issues,” said Dr. Martin Wohl, one of the dentists who supervises students treating patients at STCC. “We will not be providing cleanings, but in diagnosing that someone needs a cleaning, we will be able to schedule a follow-up visit. We will be able to put them into the system to get routine cleanings.”

While Community Dental Day will be free, patients can return to STCC for low-cost follow-up care. STCC’s dental hygiene clinic, which features 17 dental chairs on the second floor of Building 20, offers routine cleanings and various procedures at a reduced cost to residents of the Greater Springfield area.

“We’re excited about Community Dental Day, and the dentists are excited about it, too,” Wohl said. “The doctors feel they can provide a valuable service, and they can help people that generally can’t find the care they seek. Community Dental Day will hopefully have people start to think of either here or elsewhere as a dental home.”

STCC will welcome anyone who needs care that day, but Wohl recommends calling the dental hygiene clinic in advance at (413) 755-4900 to make an appointment for Community Dental Day.

Daily News

SPRINGFIELD — The American International College (AIC) men’s baseball team wants to give back to those in need during the holiday season with Homerun for the Hungry, a canned-food drive to benefit Lorraine’s Soup Kitchen & Pantry in Chicopee.

Bins are located in four locations on the AIC campus, giving students, faculty, and staff the opportunity to donate canned goods. The general public and local businesses are also welcome to donate food items. Bins are located in the foyer of Butova Gymnasium, off Roosevelt Avenue, for easy access and drop-off. On Friday, Dec. 8 from 10 a.m. to 2 p.m., the final day of the drive, the team will set up tables for donations in the Schwartz Campus Center and in the lobby of the Dining Commons.

The canned-food drive underscores AIC’s commitment to assisting the local community, brings team members together for a common purpose, and helps build valuable leadership skills through volunteerism.

Last year, the baseball team collected roughly 400 pounds of food in their inaugural drive. This year, their goal is to donate more than 1,000 pounds of canned goods. Members of the team and the coaches will personally deliver the donations to Lorraine’s Soup Kitchen. Celebrating 25 years of service, the nonprofit organization serves 12% of Chicopee’s population, helping 6,500 people each year.

Daily News

CHICOPEE — Elms College School of Nursing will host a white-coat ceremony on Thursday, Dec. 7 at 6 p.m. to honor the college’s third class of DNP (doctor of nursing practice) students as they move from the classroom into clinical practice training. The 17 honorees started the program in fall 2016 and will begin their clinical practice in January. The ceremony will be held in Veritas Auditorium in Berchmans Hall.

“This ceremony formally acknowledges that our DNP students will begin their clinical rotations within regional healthcare facilities and practice settings, specific to their advanced nursing specialty track,” said Teresa Kuta Reske, director of Doctoral Studies and Program Development for the DNP program at Elms College.

The ceremony will include opening remarks from Kathleen Scoble, dean of the School of Nursing, as well as an oath, a blessing of the white coats, and the presentation of the coats to the students. The keynote speaker will be Lisa Erickson, director of advanced practitioners for Baystate Health System.

The DNP degree is a clinical-practice doctorate in an advanced specialty of nursing practice. In May 2019, Elms College’s DNP graduates will be eligible to take the advanced certification examination in one of the two specialty tracks: family nurse practitioner or adult-gerontology acute-care nurse practitioner. The college now also offers a doctor of nursing practice degree for qualified master’s-prepared nurses in a third track: health systems innovation and leadership.

“The Elms College DNP program addresses the growing need for advanced-practice nurses in adult and family care as the population ages and the demand for primary care continues to grow,” Scoble said. “Our first DNP-NP class has graduated and entered the practice field, and our second cohort will be graduating this spring. We are delighted to be marking the passage of our third cohort into their advanced-practice clinical training.”

Daily News

WINDSOR LOCKS, Conn. — Bradley International Airport will experience a very heavy travel period this week due to the Thanksgiving holiday. Kevin Dillon, executive director of the Connecticut Airport Authority, advises that Bradley passengers should be aware and plan accordingly.

“We’re thankful for the many passengers who choose Bradley International Airport for their travel needs,” says Dillon. “If you are traveling through the airport during this busy travel week, please give yourself extra time and plan ahead, and we will do everything we can to help you love the journey through the airport.”

Passengers traveling domestically are advised to allow themselves at least 90 minutes for check-in with their respective airlines and processing through the TSA screening. Those traveling internationally should give themselves three hours.

Additionally, passengers are encouraged to follow these tips during this peak travel period:

• Check and confirm the status of your flight with your airline prior to your departure for the airport;

• Visit www.flybdl.org to familiarize yourself with Bradley’s parking options and terminal facilities; and

• Speed up the screening process by reviewing the TSA screening guidelines ahead of time. For more information, visit www.tsa.gov.

For up-to-date information about the status of a flight on the day of travel, visit www.flybdl.org. Twitter users can also sign up to receive free, automated updates by tweeting their flight number @BDLFlightInfo.

Daily News

STOCKBRIDGECondé Nast Traveler recently announced the results of its 30th annual Readers’ Choice Awards, with the Red Lion Inn recognized as a “Top Hotel in New England” with a ranking of 29.

“It’s an honor to be recognized by the readers of Condé Nast Traveler, and this award is particularly special because it reflects the opinions of our guests,” said Sarah Eustis, CEO of Main Street Hospitality, owner and operator of the historic inn. “This prestigious award speaks to the inn’s lasting character and our dedicated staff who make it feel like a home away from home for our guests.”

More than 300,000 readers submitted millions of ratings and tens of thousands of comments, voting on a record-breaking 7,320 hotels and resorts, 610 cities, 225 islands, 468 cruise ships, 158 airlines, and 195 airports.

The Red Lion Inn, a charter member of Historic Hotels of America, has been providing food and lodging to guests for more than two centuries. The inn offers 125 antique-filled rooms and suites, four restaurants with formal and casual dining with locally sourced food, a gift shop featuring locally made items, a pub with nightly entertainment, and a range of amenities including wi-fi, a year-round heated outdoor pool, and in-room massage therapy and weekly yoga classes.

Daily News

LUDLOW — Meredith-Springfield Associates Inc., a plastics manufacturer specializing in extrusion blow molding and injection stretch blow molding, was recently named ‘Manufacturer of the Year’ by the Commonwealth’s Manufacturing Caucus.

President and CEO Mel O’Leary recently accepted the award alongside Director of Finance and Administration Edward Kaplan during a presentation at the Massachusetts State House.

Daily News

SPRINGFIELD — Community Bank N.A. announced that Keith Nesbitt has been promoted to vice president, commercial banker.

In his new role, Nesbitt will manage new business with present and prospective customers, as well as maintain current customer relationships. He will also be responsible for providing direct service to commercial customers pertaining to deposit, loan, and other products and services.

“We are very pleased to recognize Keith for all of his incredible efforts and contributions to Community Bank N.A.,” said Geoffrey Hesslink, regional president. “He has always gone the extra mile to meet the needs of our customers and possesses a wide knowledge of loan management. I am excited to see what he will do for our customers at this next level.”

Nesbitt joined the Community Bank N.A. team through its acquisition of Merchants Bank earlier this year. He joined Merchants in 2016 as the regional commercial credit officer for NUVO, a division of Merchants Bank. Nesbitt has 12 years of experience in commercial lending, portfolio management, and credit administration in regional and community banking institutions.

Nesbitt earned his bachelor’s degree in advertising from University of Georgia, his master’s degree in education from Georgia State University, and his MBA from Keller Graduate School of Management. Outside of the office, he is a member of the Western Massachusetts Football Officials Assoc.

Daily News

HOLYOKE — Registration is now open for Intersession 2018 at Holyoke Community College (HCC), where new and returning students can earn a semester’s worth of credits for one class in just 10 days.

Intersession classes begin Wednesday, Jan. 3, and end Tuesday, Jan. 16. Intersession students can earn up to four credits by taking a single class.

“Intersession presents a great opportunity for students to pick up some extra credits in a very short period of time,” said Monica Perez, vice president of Academic Affairs. “And it’s open to everyone, including students from other colleges who may have returned home to Western Massachusetts for the holidays.”

HCC is offering 37 courses during Intersession 2018 in 22 academic areas, both online and on campus: Anthropology, Business Administration, Communication, Criminal Justice, Economics, Education, Engineering, Environmental Science, General Studies, Geography, Gerontology, Health, Human Services, Law, Management, Marketing, Mathematics, Nutrition, Philosophy, Psychology, Social Science, and Sociology.

For more information about Intersession at HCC or to see a full listing of course offerings, visit www.hcc.edu/intersession.

Daily News

AMHERST — Local improv company Happier Valley Comedy announced a new branch of its rapidly growing improve-comedy school: kids’ comedy classes. The program launches on Saturday, Dec. 9 with a two-hour workshop called “Family Funnies Improv,” a one-time beginner’s workshop geared toward kids 8-11 and their adults.

Family Funnies Improv gives families the opportunity to laugh with a loved one and bond over improvisational games and exercises, while sampling the offerings of the new Happier Valley Comedy’s kid classes. There’s no experience required to participate, but those with a little experience who want to revisit the beginner’s level are also welcome to join in the fun.

“Improv is a powerful tool for bringing people together in a supportive environment,” said Happier Valley Comedy’s founder, Pam Victor. “Our mission is to make the Happy Valley happier. With the expansion of our kids’ program, now we can bring even more laughter to people of all ages.”

Victor hopes to build Happier Valley Comedy’s kid improv comedy offerings in 2018 with more workshops for various ages and week-long improv camp sessions in the summer. For just over a year, the company has been producing the Happier FAMILY Comedy Show, a monthly improv show for kids 5-11 and their adults, which recently relocated to the Eric Carle Museum of Picture Book Art in Amherst.

The Family Funnies Improv workshop will be held on Dec. 9 from 1 to 3 p.m. in Hadley. It will be taught by Kate Jopson, graduate of the Happier Valley Comedy’s Zen of Improv classes and Happier FAMILY Comedy Show cast member. In addition, every child who is registered in this workshop receives a free ticket to the Happier FAMILY Comedy Show. Registration is available at www.happiervalley.com.

Daily News

LUDLOW — Usually a joyous and active time of the year, the holidays can also be difficult for those who have recently lost a loved one. In recognition of this, Nowak Funeral & Cremation Services invites all those in the community who have lost loved ones during this past year to join with others at its third annual candlelight memorial dervice to be held on Thursday, Dec. 7 at 5 p.m. Held at Ludlow County Club, 1 Tony Lema Dr., Ludlow, this non-denominational event will be officiated by local clergy.

“We know that the holiday season is often a difficult time for those of us mourning the loss of a loved one,” said Nydia Nowak Gallagher, funeral director for Nowak Funeral & Cremation Services. “We have created this remembrance program as a way to show support for one another. It is our hope that this event will bring some peace and tranquility to those who attend.”

This event is free to anyone wishing to attend, and every family will receive a special memento to commemorate the service. Refreshments will be served following the program. Those wishing to attend should RSVP by Dec. 4 to (413) 543-1892 or by e-mailing [email protected].

Daily News

SPRINGFIELD — Single-family home sales were up 20.6% in the Pioneer Valley in October compared to the same time last year, while the median price rose 6% to $205,550, according to the Realtor Assoc. of Pioneer Valley.

In Franklin County, sales were down 13.1%, while the median price also fell 13.1% from a year earlier. In Hampden County, sales were up 24.4%, while the median price was up 3.6%. And in Hampshire County, sales rose 24.4% from October 2016, while the median price was up 1.9%.

Daily News

SPRINGFIELD — Springfield Partners for Community Action Inc. has been awarded a Community Service Block Grant (CSBG) Special Projects grant from the Department of Housing and Community Development to support its Financial Literacy Ambassadors project.

The Financial Literacy Ambassadors project is designed to facilitate the training and certification of multi-cultural and multi-lingual community residents to become peer-to-peer trainers and deliver financial education to their own communities.

“We thank the department and Undersecretary Chrystal Kornegay for their support,” said Paul Bailey, executive director at Springfield Partners. “With this round of funding, we plan to identify interested applicants to train and become certified financial-literacy educators capable of delivering peer training to others in the community in multiple languages.”

Applications are being accepted now. Anyone interested in applying should contact T.J. Steele at (413) 263-6500, ext. 6568, or [email protected], or Stephen Plummer at (413) 263-6500, ext. 6567, or [email protected].

Springfield Partners is the official anti-poverty agency serving Springfield’s poor and low-income community since 1964. It offers programs and services in financial literacy, credit counseling, weatherization, emergency fuel assistance, multi-cultural Alzheimer’s, Volunteer Income Tax Assistance, early education and care, community scholarship, Low Income Taxpayer Clinic, veteran services, eviction clinic, and housing counseling.

Daily News

CHICOPEE — Rainbow Rescues has joined #GivingTuesday. Occurring this year on Nov. 28, #GivingTuesday is held annually on the Tuesday after Thanksgiving and the widely recognized shopping events Black Friday and Cyber Monday, to kick off the holiday giving season and inspire people to collaborate in improving their local communities and to give back in impactful ways to the charities and causes they support.

Rainbow Rescues launched a GoFundMe Campaign for Rainbow Rescues Medical Emergencies. The organization rescued five medically needy dogs at the end of October. At their initial veterinary exams, three of the dogs were diagnosed as heartworm-positive.

“As it always seems to happen, when it rains, it pours, and we have a flood of dogs on our hands who all are extremely medically needy,” said Rainbow Rescues President Maria O’Brien. “Most of these pups were scooped up from local animal controls who cannot afford the extensive medical care these sweet dogs require. Not only are the medical costs for these poor dogs high, but they will be with us much longer due to the treatments they require. One single round of heartworm treatment will not only consume $1,500 for medical fees, but one of our wonderful fosters will need to care for that particular dog for several months before we even begin to find a new home. Extra support at this time will help us to not only medically treat these dogs, but support their extended care as well.”

Although all three dogs have a serious case, the most critical case is Sweet Pea. Sweet Pea is an 8-year-old pointer who has clearly not had the best life. She is significantly underweight, has mammary tumors, and her heartworm is so severe, it is taking her eyesight.

All five dogs are safe now, have started their treatments, and are receiving necessary medical care. They are in foster homes with people who love them and want to see them thrive.

By participating in #GivingTuesday, Rainbow Rescues hopes to raise the funds to cover the costs, which have taken on toll on the small-budget organization. As of Nov. 16, donors have raised $1,870 of the $6,500 cost.

“It is truly inspiring to see the generosity of others during a time of need,” said Jenny Franz, Rainbow Rescues director of marketing. “Thirty-two donors have raised nearly 30% of the medical costs being received by these five rescue dogs. Just think about what can be accomplished on a national giving day. I can speak for Sweet Pea, Fiona, Jezebel, Buddy, and Bentley and tell you that they are so very grateful, as are all the volunteers at Rainbow Rescues.”

Those who are interested in joining the Rainbow Rescues #GivingTuesday initiative can visit www.rainbowrescues.org/givingtuesday or visit the GoFundMe campaign directly by clicking here.

Daily News

SPRINGFIELD — Edward Alford has been elected president of the 1,800-member Realtor Assoc. of Pioneer Valley. The election took place at the association’s annual membership meeting held recently at the Delaney House in Holyoke. Alford owns and operates Advanced Global Realty in South Hadley.

As president, he will oversee the association’s activities and operations, including meetings of the board of directors, and act as a liaison to the association’s various committees. He is the official spokesperson of the association on issues related to the real-estate industry and the local housing market.

The other 2018 officers and directors are Kelly Bowman, president-elect; Susan Drumm, treasurer; Elias Acuna, secretary; and Rick Sawicki, immediate past president. The directors include Shawn Bowman, Peter Davies, Janise Fitzpatrick, Sara Gasparrini, Sharyn Jones, Cheryl Malandrinos, Susan Rheaume, and Russell Sabadosa.

Organized in 1915, the Realtor Assoc. of Pioneer Valley is a professional trade organization serving Franklin, Hampden, and Hampshire counties.

Daily News

HOLYOKE — The Dowd Agencies, LLC recently welcomed Mason Lebron as an account executive.

“The Dowd Agencies continues to grow to meet the needs of the communities we serve,” said John Dowd, president and CEO. “Mason is a welcome addition to our team, bringing experience with property, casualty, and life insurance, and a strong commitment to customer service.”

Prior to joining the Dowd Agencies, Lebron began his career as an account representative with Amica Mutual Insurance Co., and then gained additional experience as a sales associate with Liberty Mutual Insurance and Berkshire Insurance Group.

Dowd noted that Lebron will work to “cultivate and establish new client relationships through referral opportunities and advise clients, both new and established, about the proper coverage for their individual needs.”

Daily News

BOSTON — The state’s total unemployment rate dropped to 3.7% in October, the Executive Office of Labor and Workforce Development announced.

The Bureau of Labor Statistics’ (BLS) preliminary job estimates indicate Massachusetts added 4,800 jobs in October. Over the month, the private sector added 4,100 jobs as gains occurred in leisure and hospitality; professional, scientific, and business services; other services; financial activities; manufacturing; construction; and information. The September estimate was revised to a gain of 10,300 jobs.

From October 2016 to October 2017, BLS estimates Massachusetts has added 69,000 jobs. The October unemployment rate was four-tenths of a percentage point lower than the national rate of 4.1% reported by the Bureau of Labor Statistics.

“The low unemployment rate and job gains are indicators of the ongoing strength of the economy in Massachusetts. But not all communities and regions are feeling the benefits of this economy equally. Our workforce-development programs continue to prioritize closing skills gaps and connecting all citizens of the Commonwealth to prosperous career pathways,” Labor and Workforce Development Secretary Rosalin Acosta said.

The labor force decreased by 13,400 from 3,669,500 in September, as 5,600 fewer residents were employed and 7,700 fewer residents were unemployed over the month.

Over the year, the state’s seasonally adjusted unemployment rate increased five-tenths of a percentage point from 3.2% in October 2016. There were 19,600 more unemployed residents over the year compared to October 2016.

The state’s labor-force participation rate — the total number of residents 16 or older who worked or were unemployed and actively sought work in the last four weeks — decreased three-tenths of a percentage point to 65.5% over the month. The labor-force participation rate over the year has increased by 0.8% compared to October 2016.

The largest private-sector percentage job gains over the year were in other services; construction; professional, scientific, and business services; financial activities; and education and health services.

Daily News

BOSTON — The Massachusetts Nonprofit Network (MNN) released its latest edition of its Commonwealth Insights report series. The report, titled “From the Experts: Advice to Inform Your Organization’s Fundraising,” features advice from interviews with four successful Massachusetts nonprofit fund-raisers in an effort to inform and support year-end fund-raising efforts of nonprofit organizations.

In an early 2017 survey of its membership, nearly 60% of MNN member nonprofits cited fund-raising as the largest challenge facing their organization. With many nonprofits currently accelerating their fund-raising operations to coincide with the end of the calendar year, MNN believes this report will be useful to its over 700 nonprofit members representing every region of the state, as well as members of the state’s nonprofit sector at large.

“Fund-raising is an ever-present challenge — and opportunity — for all types of nonprofits. This edition of Commonwealth Insights focuses on ideas that can help nonprofits take their fund-raising to new heights,” said Jim Klocke, CEO of the Massachusetts Nonprofit Network.

The report is centered on general strategies for fund-raisers to consider in their efforts and is supplemented with actionable advice. In a fast-paced and changing fund-raising landscape, all four experts agree that the need to consistently engage donors and provide them with new, creative ways to be involved with a nonprofit organization is critical to building and retaining support.

The report also touches upon a concern of those working in fund-raising, particularly at smaller organizations: that current events and overwhelming needs from across the country and world could further heighten the competition for donors’ support. The interviewed experts agreed that, while this concern is understandable, donors of all ages are looking for even more ways to support causes they care about.

“I think that many people are looking for more ways to make a difference, and I think that is what we need right now,” said Margaret Keller, executive director of Community Access to the Arts in Great Barrington, one of the experts featured in the report. “Donors are more engaged and more committed than ever.”

This is the third edition of Commonwealth Insights MNN has published in 2017. Earlier editions focused on federal tax reform and the Earned Income Tax Credit. The series is made possible by support from the Barr Foundation.

Daily News

SPRINGFIELD — On Wednesday, Nov. 29, Springfield Technical Community College will offer Health Careers Exploration Night, an opportunity for anyone interested in becoming a healthcare professional to learn more about STCC’s programs.

Open to the public, the free event will take place from 4 and 6 p.m. While no registration is required, visitors should check in with organizers in the first-floor lobby of Building 20, on the Pearl Street side of the campus.

The night will feature tours of STCC’s SIMS Medical Center, a nationally recognized patient-simulation facility, and tours of departments. Visitors can meet faculty and current students and observe demonstrations and hands-on activities. The event is ideal for anyone thinking about changing careers or becoming a medical professional, to find out if the healthcare field is a good fit.

“This event is a wonderful opportunity for prospective students to explore health careers and meet faculty, staff, and current students. Attendees will be able to ask questions and experience hands-on opportunities that will allow them immersive experiences in each of the healthcare professions offered at STCC,” said Christopher Scott, dean of the School of Health and Patient Simulation.

STCC offers more than a dozen programs to get started on the path to a health career, including cosmetology, dental assistant, dental hygiene, diagnostic medical sonography, health information technology, medical assistant, medical coding and billing specialist, medical laboratory technician, medical office administrative assistant, nursing, occupational therapy assistant, physical therapist assistant, radiologic technology, respiratory care, sterile processing technician (a new program), and surgical technology.

Anyone needing accommodations to fully participate in this event should contact the Office of Disability Services at (413) 755-4785. For more information, contact the School of Health & Patient Simulation at [email protected] or (413) 755-4510.

Daily News

AMHERST — Do you enjoy reading well-written and practical business books that can make major improvements in your company and life?

Then you may want to join Family Business Center of Pioneer Valley’s two new book-reading groups (six people — owners and key managers of Western Mass. businesses — in each). The group discussions will be led by Alan Robinson, UMass Isenberg professor and author of several bestselling books about idea systems and corporate creativity. The groups will each read two of these five books and participate in a panel discussion about them at a dinner forum on June 13, 2018.

The cost to participate in this program is $300 per person, which includes the books (in print or audible). For more information, contact Ira Bryck at (413) 835-0810 or [email protected].

Daily News

SPRINGFIELD — On Nov. 9, Junior Achievement of Western Massachusetts turned the MassMutual Center’s Exhibition Hall into Wall Street for the largest one-day student stock-market event in the U.S.

Students from West Springfield High School and St. Thomas the Apostle School in West Springfield were among more than 130 student teams from 24 area schools who competed thanks to the generosity of Balise.

As a platinum sponsor of the event, Balise allowed more than 50 West Springfield youth to compete to amass the highest net worth by the end of the 60-day investment period. The catch was that each day was only 60 seconds. Just like in a real trading day, the student teams had access to tips and news that impacted the market and influenced whether they should buy or sell.

Team FYM from West Springfield High finished 15th, and Team Terriers on Main Street finished 20th. Each team increased their portfolios by more than 53%.

Alexa Napolitan from Balise had the opportunity to meet with the student teams before the opening bell rang. “Although Balise has been a sponsor of the JA Stock Market Challenge for years now, this was my first chance to be a part of the day. It was something special. The students were focused and enthusiastic from the moment the starting bell rang, and our West Springfield teams performed incredibly well. We are honored to support an event which fosters young talent and will help develop future community business owners and leaders.”

Jennifer Connolly, president of Junior Achievement of Western Massachusetts, noted that “schools like St. Thomas and West Springfield High School get to experience learning outside the classroom because of the commitment that businesses like Balise make to the community. It is a pleasure and an honor to be able to work with companies like Balise to inspire and prepare our youth to own their economic future.”

Daily News

SPRINGFIELD — Comcast Business announced a new addition to its voice-solutions portfolio: VoiceEdge Select. Designed specifically for small businesses, VoiceEdge Select is a cloud-based phone service with a full set of standard and advanced calling features, a mobile app, and business-grade phones priced affordably by the seat.

Comcast Business’ VoiceEdge Select includes all of the traditional calling features small businesses expect but also includes, at no additional cost, advanced features such as automated attendant, hunt groups, simultaneous ring, and readable voice mail. Business-grade Panasonic phones are included with the cost of the service, and customers can select from cordless and desk phone options. The service is delivered over Comcast’s nationwide network.

“Small businesses are the heart of the American economy, and they need services that can help them better serve their customers and compete against larger brands. VoiceEdge Select gives them professional call handling and an easy-to-use portal and mobile application, letting them tailor the service to their needs to ensure they never miss a call in or out of the office,” said John Guillaume, vice president, Product Management & UX at Comcast Business.

Comcast’s technicians will provide installation and instruction for customers to get them up and running quickly. Businesses can keep their existing phone number, and with the mobile app, employees can receive and make calls from any device, including their desk phone, mobile phone, or home phone, using their business-caller ID. Because the service is in the cloud and managed through an intuitive online portal, upgrades and configuration changes can be made easily without requiring an IT staff.

“Services like VoiceEdge Select are leveling the playing field for small businesses by giving them access to capabilities similar to those of large enterprises,” said Diane Myers, senior research director, IHS Markit. “The advanced call features and inherent flexibility of VoiceEdge Select will be attractive to small businesses looking to gain a competitive advantage, easily scale alongside business needs, and better manage their infrastructure and costs.”

Daily News

SPRINGFIELD — MassMutual announced the appointment of Sean Newth as chief accounting officer and corporate controller, effective immediately.

Newth, who has nearly two decades of accounting experience in financial services, will oversee MassMutual’s corporate-accounting operations and financial reporting. He will report to Elizabeth Ward, the company’s chief financial officer and chief actuary.

“Sean’s strong business acumen, depth of knowledge, and outstanding reputation in the industry make him an excellent addition as a senior leader to our team,” said Ward. “Additionally, his experience and demonstrated global accounting and reporting expertise will be invaluable in helping to drive MassMutual’s continued strategic growth momentum, operational transformation, and success.”

Newth comes to MassMutual from State Street Corp., where, after joining the firm in 2005, he served as chief accounting officer and controller since 2014. He also held a range of other senior positions in State Street’s Accounting department, including deputy controller and director of accounting policy.

Newth began his career at KPMG in 1997, where, during his eight years at the firm, he served in various transaction services, accounting advisory and assurance roles.

A certified public accountant, Newth holds a bachelor’s degree in accountancy from Providence College, and earned his MBA from the MIT Sloan School of Management. He serves as chairman of the board for the Arts & Business Council of Greater Boston and is a member of the Providence College Boston President’s Council.

Daily News

SPRINGFIELD — DevelopSpringfield was presented with a 2017 Massachusetts Historical Commission Historic Preservation Award by Secretary of the Commonwealth William Galvin at a ceremony on Nov. 2.

“The Massachusetts Historical Commission is proud to recognize the extraordinary accomplishments of this year’s awardees,” Galvin said. “The projects the commission is recognizing this year are particularly diverse and represent the many creative ways that significant historic resources are being preserved across the Commonwealth. With this project, the Merrick-Phelps House will now be an important contributor to Springfield’s economic future.”

Constructed in 1841, the Merrick-Phelps House, located at 83 Maple St., is one of Springfield’s most significant historic buildings. The house was built by Solymon Merrick, inventor of the monkey wrench and a key player in Springfield’s history of industry and innovation. The house was then sold in 1847 to Ansel Phelps, who later became the city’s mayor. Many residents still refer to this as the ‘Mayor’s House.’ After Phelps’s death in 1860, the building continued to house families of the Springfield elite well into the 20th century.

The Merrick-Phelps House, situated on the corner of Maple and Union streets, is a Greek Revival-style, two-story, single-family house featuring a low hipped roof and an elaborate, two-story portico with fluted Corinthian columns. A one-story porch on the Union Street elevation was added in 1890. The primary entrance on Maple Street is accentuated by a Greek Revival-style door surround and a pair of glass-and-wood-panel doors. The windows are all original wood windows. Notable interior features include a grand center hall with a curved staircase along the wall, a large parlor and dining room with decorative trim, and five original fireplace mantels.

Toward the end of the 20th century, the house began to show signs of neglect, and it was abandoned in 2007. When DevelopSpringfield purchased the house in 2013, it had been vacant for several years and was in an advanced state of deterioration.

DevelopSpringfield worked with a team of experts to assist in the successful rehabilitation of this historic property, including architect Marco Crescentini of Dietz & Co. Architects, general contractor Peter Hamm of Historic Preservation Associates, preservation specialist Gregory Farmer of Agricola Corp., preservation consultant William Young of Epsilon Associates, and Dennis Keefe of Westfield Bank (financing).

Daily News

LONGMEADOW — At the fifth annual Cybersecurity Summit held recently at the Longmeadow campus of Bay Path University, keynote speaker and Massachusetts Technology Collaborative (MassTech) CEO Timothy Connelly told summit attendees that cybersecurity is a top issue for Gov. Charlie Baker and MassTech.

According to Connelly, MassTech is making cybersecurity a priority “because we recognize this is the fastest-growing sector. This is why we established the MassTech Cyber Growth and Development Center. Governor Charlie Baker thinks this is a terrific market that can produce sustainable jobs as long as we develop the needed talent.”

MassTech CEO Timothy Connelly and Bay Path President Carol Leary

MassTech CEO Timothy Connelly and Bay Path President Carol Leary

Connelly noted that there is currently a talent deficit in the field, with more than 8,000 available jobs in cybersecurity in Massachusetts. The Commonwealth is the number-one generator of STEM graduates nationally, and is home to 37 of the 500 most innovative security companies in the world, second only to California, he added.

MassTech is a public agency created to support the innovation economy in the Commonwealth and help support formation and growth of the state’s technology sector. Connelly is head of the newly established Cybersecurity Center at MassTech.

Other speakers at the summit included Tim Russell, supervisory special agent in Cybersecurity, FBI Boston; and Carol Leary, Bay Path president. This year’s summit was titled “Building a Cybersecurity Ecosystem: the Roles of Higher Education, Law Enforcement, and Technology.”

“It is critical for higher education to be a central part of this emerging cyber ecosystem,” said Leary, who serves as a member of the Department of Homeland Security’s Academic Advisory Council. “We are developing the right talent, the diverse talent needed to be a part of the cybersecurity workforce. To the students pursuing a cybersecurity career — you are the future, you are qualified, and we need you more than ever.”

Added Russell, “cybersecurity is a human-capital issue and is an entire company endeavor. All should be part of developing a cyber ecosystem. Engagement and collaboration with government and law enforcement is important in detection.”

The summit was co-sponsored by the Economic Development Council of Western Massachusetts. According to Rick Sullivan, president and CEO, “The EDC is focused on growing our economy, and one of our greatest assets is higher education. We want to develop economic-development sectors that are new and cutting-edge. We can become a center of excellence in cybersecurity, and our colleges and universities can help us grow that sector. I want to thank Bay Path University for being the leader in the cybersecurity sector, and we are here to follow your lead.”

According to Thomas Loper, associate provost and dean of the School of Science and Management at Bay Path, the summit drew over 200 people, including professionals in the cybersecurity field; small-business owners; executives from financial-services, manufacturing, insurance, and healthcare organizations; and students, faculty, and staff from the region’s colleges.

Cover Story

A Huge Opportunity — Clearly

From left, principals Marc Gammell, Yinyong Li, and Kenneth Carter

From left, principals Marc Gammell, Yinyong Li, and Kenneth Carter

There’s no word yet on whether the creators of FogKicker will embrace Johnny Nash’s 1972 reggae hit ‘I Can See Clearly Now’ as their theme song, but it would certainly work. The product, developed in the polymer science lab at UMass Amherst, has proven itself successful in keeping a range of surfaces, from scuba masks to bathroom mirrors, clear of fog. Partners Yinyong Li, Marc Gammell, and Kenneth Carter are scaling up their venture, Treaty Biotech LLC, and while their vision of the future isn’t totally clear, it is certainly coming into focus.

They call it ‘big glass.’

That’s the term the principals at Treaty LLC, developers of the product known as FogKicker, summon as they talk about larger surfaces such as car windshields, bathroom mirrors, and shower doors.

And they foresee a day when their product will be in widespread use on all of the above, and more, to clear away annoying — and sometimes dangerous, especially when it comes to those windshields — fog.

We made a strategic decision to go after this niche market, where we knew there was a problem, where there are anti-fogging products out there that work fairly miserably, and where we knew we could gain a foothold.”

But for now, they’re more focused on what would have to be labeled ‘small glass,’ or at least ‘smaller glass,’ as in the goggles used by scuba divers, snorkelers, swimmers, skiers, mountain climbers, and others. And in this realm — large in its own right by any estimation — those who developed FogKicker in the polymer science lab at UMass Amherst can see some clear opportunities, pun obviously intended.

“There are certainly a number of applications for this product — everyone has a bathroom mirror,” said Yinyong Li, who, along with Kenneth Carter, a professor in the Polymer Science and Engineering Department at UMass Amherst, discovered that nanocellouse, a biological material plants use to help them absorb and circulate water, could also be used to solve one of society’s big problems — keeping glass surfaces free of fog.

Cellulose, of course, is used in the production of a number of paper products, said Yinyong, adding that, in many respects, FogKicker acts like an invisible paper towel to absorb moisture and keep glass surfaces clear of fog.

Yinyong, the company’s chief technology officer, who attained his Ph.D. from UMass in 2016; Carter; and third partner Marc Gammell, who recently earned his undergraduate degree at UMass, are making giant strides forward in the process of taking FogKicker from discovery in the lab to successful business venture.

They have succeeded in raising capital, and also in raising the product’s — and the company’s — profile, through appearances like the one late last month on the CNBC reality program Adventure Capitalists, for example.

The video clip shows Gammell and Carter (an experienced diver himself), both clad in FogKicker pullovers, appearing on a dock somewhere with the ocean in the background, making a pitch for their product — and also for what the two called ‘smart capital,’ as well as individuals to join their team.

The creators of FogKicker are in the process of scaling up their venture, focusing first on sports goggles and other smaller glass surfaces.

The creators of FogKicker are in the process of scaling up their venture, focusing first on sports goggles and other smaller glass surfaces.

“We want someone who has industry-specific connections,” Gammell, the company’s CEO, says in the video, referring specifically to the diving market. “Someone who has some serious marketing clout, someone who knows their way around building a brand; we want a real team player that brings that to the table.”

In a nutshell, that short video, which also goes into some detail about the product and how it works, neatly sums up where this company is right now and what it’s doing to get where it wants to go.

It has a product that works — one that those in the diving industry have been quick to embrace, as we’ll see — and a road map of sorts for getting to the next level with small glass and ambitions for doing the same with big glass.

For this issue, BusinessWest talked at length with the FogKicker team about their vision for their product and their company, and how things have come into focus, in every sense of that word.

Glass Act

As they talked with BusinessWest about FogKicker and their plans for it, Yinyong, Gammell, and Carter were getting ready to travel.

Their destination was Orlando and, more specifically, the week-long Diving Equipment & Marketing Assoc. (DEMA) trade show. Armed with a new and vastly improved show booth, the partners were — wait for it — looking to make a splash with their growing portfolio of products.

Or another splash, to be more precise.

Indeed, it was at the 2016 DEMA show in Las Vegas that the partners first caught the attention of the diving community, and in a big way.

The FogKicker principals, from left, Kenneth Carter, Marc Gammell, and Yinyong Li, display their products at one of the many trade shows they’ve exhibited at recently.

The FogKicker principals, from left, Kenneth Carter, Marc Gammell, and Yinyong Li, display their products at one of the many trade shows they’ve exhibited at recently.

“We were met with huge enthusiasm, and seemingly overnight, our product was available all over the world, because this is a worldwide conference, and people were buying cases and cases of it,” said Carter, the company’s chief scientific officer.

This response came, he went on, because FogKicker established itself as a clear (literally) improvement over other methods of keeping scuba masks clear of fog — from saliva to soaps that were already on the market, both of which eventually wash off and lose their effectiveness. “This is one of the first water-resistant anti-fogging coatings that have been produced.”

But to tell this story, we need to go back further, to earlier this decade, when Yinyong and Carter, using funding from the National Science Foundation, started to look at ways that nanocellulose, derived from paper pulp, could be used in electronics.

“Cellulose is one of the most abundant products in the world; it’s the basis of wood, paper, trees, algae, and plants in general,” said Carter. “Paper makers grind it up into a pasty pulp, and they spread it over wires, and that’s how we make paper — it’s essentially just dried cellulose.

“What was discovered a while ago is that, if you keep breaking that pulp down, mechanically breaking it down and chemically treating it, you can get to what’s known as nanocellulose — nanoscopic particles of cellulose,” he went on. “We were playing around with it, and trying to think of other things we could do with nanocellulose.”

The two discovered they could take many common sources of the material, such as waste paper, cotton, or recycled paper, and convert them into nanocellulose. The bigger discovery, as it turned out, came when they placed this material on various surfaces and, in doing so, created completely transparent coating that did not fog up when exposed to humid air or steam.

“Because it’s paper, it’s very absorbent to water — we all know that paper loves water,” Carter explained. “When things fog up, what’s happening is that water vapor in the air is hitting a cooler surface, and it condenses, forming tiny beads of water, which we see as fog.”

When water hits the nanocellulose films, it gets absorbed, said Yinyong, and doesn’t form those beads, thus eliminating fog.

Fast-forwarding through the all-important discovery phase to ensure that the product is unique and the patent-disclosure process, Yinyong made the concept an entry in the 2015 Innovation Challenge at UMass Amherst, and he came away with the $20,000 grand prize.

He also came away with an eventual partner in this fledgling business venture. Indeed, Gammell was another contestant at the Innovation Challenge. He didn’t fare nearly as well with his entry, but he would also have to be considered a winner, because he was so impressed with what Yinyong brought to the table that he asked if he could be a part of it.

“I was pitching my own crazy business idea, and Yingong was pitching FogKicker,” he recalled. “Yingong wound up going to the finals, and I went just to watch him do his extended pitch, and afterwards, I was so pumped up about FogKicker and his work with nanocellulose that I introduced myself and told him I wanted to help him any way I could.”

Things have accelerated at an impressive pace since then, with FogKicker and Treaty Biotech LLC moving on to more innovation and entrepreneurship competitions, including the Venture Well program in Hadley and Valley Venture Mentors’ Accelerator program, and winning some prize money at nearly all of them.

They also took part in the National Science Foundation’s Innovation Corps, or I-Corps, as it’s called, a program that prepares scientists and engineers to extend their focus beyond the university laboratory and move forward with NSF-funded projects ready for commercialization.

“It’s like a boot camp — they scrutinize everything you do,” said Carter, adding that Treaty LLC won $50,000 to do customer discovery.

And those efforts took the partners to Tek-Divers, a Middle Eastern outfit that offers a wide range of recreational diving and extreme deep diving.

“They dive under some of the most extreme conditions out there — so we went to talk to them, realizing, who better could tell us whether we had something interesting than people who put their lives on the line?” said Carter. “And immediately, they loved us; they said, ‘boy, this stuff is great.’ And they bought a lot of it.”

View to the Future

The partners at Treaty LLC have been putting the capital they’ve attained from competitions and other sources to use in the many specific areas covered by that broad term ‘scaling up.’ That process includes everything from prototype development and production (now taking place at a location in Springfield) to marketing, like the DEMA show; from gaining more capital, through a variety of methods, including that Adventure Capital episode, to adding more team members, something the partners expect will happen over the next several months.

Product development was an exercise in listening to the experts and responding to what they said, Yinyong noted, adding that initial thoughts about possibly creating one-use disposable wipes were discarded amid feedback from divers and environmentalists fearful of the ocean being littered with the packages for those wipes.

What emerged instead was a felt-tip-marker-like device that places drops of FogKicker on a surface to be rubbed in. To date, the company has sold roughly 30,000 small bottles of various solutions.

As noted earlier, Treaty Biotech is, for the most part, focused on that ‘smaller glass’ market, and especially the sports-goggle market and the scuba/snorkeling market.

“We thought really hard about what would be best way to roll this out,” said Carter. “Of course, you would sell more volume and more bulk material if you put it in squirt bottles for home use, but how do you even approach that market?

“So we made a strategic decision to go after this niche market,” he went on, “where we knew there was a problem, where there are anti-fogging products out there that work fairly miserably, and where we knew we could gain a foothold.”

Even within that seemingly small niche, the numbers are impressive and the sales potential considerable, said Yinyong, noting that the business plan estimates that there are 14 million scuba divers and snorkelers in the U.S. alone, and maybe 25 million worldwide.

Educating them about their product is important, he said, because many are firmly convinced that anti-fogging products don’t work, or don’t work any better than their own saliva.

The appearance on Adventure Capitalists, a show billed as the outdoor person’s Shark Tank, is expected to help boost efforts in this regard. Contestants make presentations to a panel of investors — all of them involved in sports, business, and investing — who then put those products through their paces, often in harsh conditions.

But there are, of course, much bigger numbers in the ‘big glass’ market, said Gammell, who did some quick math and estimated that there are more than 250 million car and truck windshields in this country alone.

Meanwhile, there are probably 100 million bathroom mirrors within the residential market alone, he said, adding quickly that the commercial market — hotels, motels, gyms, and other segments — is equally potential-laden.

And there are other markets as well, including the huge healthcare field, Gammell noted, adding that all of these markets and others are potentially within the company’s reach.

To reach them, the company and its principals are moving in a number of directions, from an aggressive push for seed funding from investors to talks with contract manufacturers about scaling up production; from a website makeover to a new trade-show booth for the DEMA event and many others to follow.

“Big glass … we could be there in a year,” said Gammell. “And in a year, hopefully we’ll have big accounts with Dick’s Sporting Goods, CVS, Cabela’s, Bass Pro Shops, and others. And we’ll have some hires — we’ll have a bigger team.”

Bottom Line

If you listen to the lyrics from “I Can See Clearly Now,” they include lines you would never, ever hear from aspiring entrepreneurs, such as “I can see all obstacles in my way,” or “I think I can make it now, the pain is gone,” or “all of the bad feelings have disappeared,” or even (and especially) “look all around, there’s nothing but blue skies … look straight ahead, nothing but blue skies.”

Yinyong, Gammell, and Carter certainly know better. They know there are obstacles they probably can’t see, and there are obviously some clouds within that blue sky.

But overall, the future is certainly bright for FogKicker, and there are enormous opportunities for this venture — clearly.

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

Community Spotlight Features

Community Spotlight

 

Denise Menard

Denise Menard says low taxes, streamlined permitting, and quality of life are all factors in making East Longmeadow an attractive landing spot.

When East Longmeadow switched from a town-meeting style of government to a Town Council and town manager, Denise Menard said the change wasn’t meant to be simply cosmetic.

Rather, noted Menard — who came on board as interim town manager in 2016 before shedding the ‘interim’ title earlier this year — creating her position and replacing the three-member Board of Selectmen with a seven-member, elected Town Council provided the momentum to launch several new municipal departments aimed squarely at improving quality of life.

That included East Longmeadow’s first-ever Human Resources department; a new director of Finance and director of Planning and Community Development; and a three-member Board of Health overseen by a full-time director.

That latter division has launched two successful vaccination clinics — to prevent flu, shingles, tetanus, and other maladies — while the town has also boosted recycling efforts, launched an innovative 911 database that collects resident information to be used by first-responders, and is looking to begin town ambulance service.

“We don’t sell widgets; we only provide services,” Menard told BusinessWest. “So we try to provide the best service we can. That’s really paramount in my eyes. I’ve had people come in and say they’re very happy with the way things are going.”

The health, emergency, and recycling services all target healthier or greener lifestyles for residents, she added, and the town’s new charter has given municipal leaders a strong foundation from which to further expand programs to benefit citizens.

East Longmeadow at a glance:

Year Incorporated: 1894
Population: 15,720 (2010)
Area: 13.0 square miles
County: Hampden
Residential Tax Rate: $20.77
Commercial Tax Rate: $20.77
Median Household Income: $62,680 (2010)
Median Family Income: $70,571 (2010)
Type of Government: Town Council, Town Manager
Largest Employers: Cartamundi; Lenox Tools; Redstone Rehab and Nursing Center

“I think we’ll see more great things in the years moving forward,” she said. “People need to know they’re valued and that their tax dollars are going to good things.”

There’s a strategy to those quality-of-life efforts that do more than make residents happy, however. A town’s amenities and services speak directly to its ability to attract new business, and so does how many barriers a town throws into their path.

“People coming into the community have a much more streamlined process now,” said Don Anderson, one of the Town Council members and a business owner in East Longmeadow for 28 years with the Cruise Store.

“We have a full-time town manager in office as opposed to a part-time board of selectmen with a town administrator who has no real power,” he went on. “Also, in terms of permitting, we now have a Building Department and Planning Department and Zoning Department under one umbrella.”

At the same time, he added, the town was wise to keep certain things intact, like taxing businesses and residents at the same rate. “That policy did not change, so that’s also a welcoming sign to outside businesses wanting to come into East Longmeadow.”

From the Ground Up

As for companies setting up shop and expanding, a few big projects have given a shot of energy to the town’s economic-development landscape.

Last year, L.E. Belcher broke ground on a 6,500-square-foot convenience store on a lot at 227 Shaker Road that was empty for many years. That project stalled when Atlantis Management Group bought out the property, but after a second round of permitting and approvals — the proposed hours will shift from 24/7 to 5 a.m. to 1 a.m. each day — “they seem very anxious to get started,” Menard said.

Also underway is an 18,000-square-foot medical office building at 250 North Main St. being constructed by Associated Builders for Baystate Dental Group, which will have 90 parking spaces. The dental office will occupy the first floor, and the second floor will be rented as medical or office space.

Another, more complex project in the health realm is a joint venture with the town of Longmeadow — a medical complex that will add to East Longmeadow Skilled Nursing Center at 305 Maple St., cross town lines, and provide benefits to both communities.

The project includes four structures on a 20-acre site: a 50,000-square-foot medical office building in Longmeadow that would be occupied by Baystate Health; a two-story, 25,000-square-foot office building in East Longmeadow; and an assisted-living facility and expansion of an existing skilled-nursing facility run by Berkshire Health.

One of the most exciting current projects, to hear Menard tell it, is the Planning Board’s discussion of an overlay zone for the former Package Machinery building at 330 Chestnut St.

“The building is in pretty poor shape, and the planning proposal is to create a mixed-use site which would have commercial, retail, and possibly small offices in the front part of the building, and above will be some residential apartments or condos,” she explained.

We don’t sell widgets; we only provide services. So we try to provide the best service we can. That’s really paramount in my eyes. I’ve had people come in and say they’re very happy with the way things are going.”

With sensitivity to the environment, the proposal includes preserving green space around the property and creating walking trails to encourage outdoor activity, she added. “There will be a real New England feel to it, and it’s going to be be a pretty upscale development. It’s shaping up to be a good project.”

Anderson noted that East Longmeadow has been home to a number of retail and restaurant ‘firsts’ in Greater Springfield, including the region’s first Boston Chicken franchise, its first Homegoods store, and its first 99 Restaurant.

“If they’re picking East Longmeadow, that says East Longmeadow has the economic range to support businesses,” he told BusinessWest. “People like the fact that the tax basis goes beyond just housing, that we can generate taxes through business as well. There’s a good balance there. When they look at a community that gives a clear message of supporting business, then businesses feel welcome. Personally, I haven’t been disappointed.”

Menard hopes others feel the same way. “People are coming to live and work and develop businesses here. We strive to be business-friendly, and I think we’re getting there.”

Spreading the Word

Change has been positive in East Longmeadow, Anderson went on, but it takes more work than just changing the charter and streamlining processes. One challenge has involved the various town departments and the Town Council learning how to work together. “People coming in fresh don’t always realize how matters before the Planning Board affect the council. Something the Board of Health might be doing may impact the Town Council as well, and we have to be aware of that.”

Another challenge has been spreading the word about how the municipal changes and new services benefit people, as local media haven’t always been diligent about covering the town’s day-to-day business.

“There has been a lack of interest in the government by the media,” Anderson said, “I saw that was happening, so I’m chairing a new commission on media relations. We’re working on strategies to find more organized ways of getting messages out to people, such as through social-media methods. We need to find modern ways to get the message out when the media is not covering us the way they used to.”

And East Longmeadow does have news to share, he went on. “Things are happening. You can drive through and see the construction going on, see properties that have been vacant for a number of years come to life, how the old Vanguard Bank on North Main Street is going to be a dentist’s office, or the interest in the old Package Machinery area. Obviously, people are attracted to this community.”

It’s a civic-minded community as well, he noted, evidenced by the 32 people who ran for the first Town Council seats last year.

“We have beautiful housing, some of the best schools around, some beautiful parks, and we have a healthy mix of commercial and residential,” Menard added. “It’s a well-rounded town with a reasonable tax rate, and people just seem to be amenable to coming here.”

Joseph Bednar can be reached at [email protected]

Opinion

Editorial

In the days and weeks after the Harvey Weinstein story broke and new wrinkles were continually added, there was growing commentary that maybe some kind of milestone had been reached, that maybe the tide was turning when it came to sexual harassment in the workplace.

This commentary was generally greeted with large amounts of skepticism, in the same way that there was skepticism with thoughts, and hopes, that the latest mass shooting would be the one to finally stimulate action (in whatever form it could possibly take) to make sure this was the last such tragedy.

And that skepticism is warranted, because, like gun violence, sexual harassment has longed seemed like a problem we just couldn’t solve, something that people, and especially women, would just to have to live with. There is a ‘that’s just how it is’ sentiment about it.

But increasingly, it seems that, while there is still ample room for skepticism on this topic, there is also space for some optimism, some hope that maybe a sea change is in the offing. Some promise that people may soon be saying ‘that’s how it was’ instead of ‘that’s how it is’ or ‘that’s how it will always be.’

Why? Well, there are several reasons. Let’s start with the manner in which the Weinstein case has shed light on the subject and shown that, when people come forward — even if it’s years or decades after the fact — offenders can be brought to justice (in whatever form it takes), and a situation might change.

As just one example, the Massachusetts Legislature has come under scrutiny in recent weeks in the form of allegations that people in positions of power (most all of them men) wielded that power in ways that created a truly hostile workplace, where women became convinced that saying ‘no,’ or not putting up with harassment, could derail everything from specific pieces of legislation to their careers.

In a statement given to the Boston Globe, House Speaker Robert DeLeo said he was “infuriated and deeply disturbed” to hear that women had described being harassed in the State House. It doesn’t say he was surprised, because he was probably wasn’t. But something else he said is quite telling.

“While I understand and support their desire to remain anonymous, the fact that victims fear the consequences to their careers of reporting the harassment is as upsetting as the harassment itself.” Upsetting, but hardly surprising.

But it’s here where the sea change might lie. There is sentiment that, increasingly, women (and, in some cases, men) are becoming less fearful about reporting harassment, and this willingness to come forward is changing the landscape and bringing the careers of formerly powerful men to an abrupt end.

Harvey Weinstein. Bill O’Reilly. Mark Halperin. Kevin Spacey. The list is growing longer, and that’s a very positive thing. As is the outrage concerning those who protected what have come to be known in some circles as “superstar harassers” and put people in harm’s way because of their actions. In some cases, their careers are being destroyed as well; Bob Weinstein might just be every bit as radioactive as his brother.

Make no mistake, society in general and the business world in particular still have a long way to go when it comes to being able to refer to the Weinstein case and others in anything approaching the past tense — as in ‘that’s how it used to be.’

But there is now much more than hope that some kind of corner has been turned. There is emerging evidence that this is, indeed, the case. And hopefully, we’ll see much more progress in the years to come.

Opinion

Opinion

By Henry Dorkin, M.D.

The opioid crisis, which is taking the lives of friends, neighbors, and family members across the country, should rightly be declared a public health emergency. However, in order to truly stem the tide of this epidemic, the declaration must be matched by a coordinated federal effort that is equivalent to what is already being done at the state level.

This crisis knows no borders, and it impacts people from all walks of life, of all ages, across the U.S. Here in Massachusetts, despite having had a wide range of public and private efforts underway for several years, we saw roughly 2,000 opioid-related overdose deaths just last year.

Our experience has demonstrated the value of patient-focused partnership between the medical community and elected officials at all levels. The Commonwealth’s 2014 declaration of the opioid epidemic as a public health crisis helped lead to a dramatic increase in the use of the state’s prescription drug-monitoring system, MassPAT.

Gov. Charlie Baker’s commitment to make the system a true clinical tool for physicians has had a major impact. According to data from the Department of Public Health, while MassPAT searches increased by 500% between the first quarter of 2015 and the first quarter of 2017, the number of Schedule II opioid prescriptions written dropped by 23%, and the number of individuals receiving prescriptions dropped by 24%.

But there is still much work to be done in implementing change that saves lives — a goal we should all share.

Massachusetts has been an innovator and a leader in identifying and implementing state and federal policies that slow the spread of opioid-use disorder and improve the ability of affected patients to get the care that they need in pursuit of recovery. For this, we thank our elected leaders, including local officials; Gov. Baker, state lawmakers and public health officials; and members of our Congressional delegation, who have fought successfully for legislation that has addressed the crisis nationally.

The data from Massachusetts confirm that policy changes can help make a difference in slowing the growth of the crisis and the countless tragic deaths that it causes. While we appreciate the effort from the Trump administration to bring to bear the strength of the federal government, we also believe that this crisis requires the allocation of adequate federal resources to make a meaningful difference in the lives of the people impacted by opioid-use disorder.

Dr. Henry Dorkin is president of the Massachusetts Medical Society.

Banking and Financial Services Sections

Unlocking Financial Health

KeyBank’s Courtney Jinjika and Jeff Hubbard

KeyBank’s Courtney Jinjika and Jeff Hubbard

KeyBank is fairly new to the Western Mass. financial marketplace, taking over eight Hampden County branches following its acquisition of First Niagara Bank last year. But its leaders are already fluent in speaking the language of the region’s customers, who want their institutions to be customer-friendly and civic-minded. With a host of high-tech products melded with a focus on helping customers effectively use them to manage their financial health, Key seems ready to unlock more business.

It’s called HelloWallet.

“It’s an online platform that KeyBank uses to help customers make smarter, more confident financial decisions. The user first inputs information about their account balances, income, spending, demographics, and more to produce a score of sorts — a picture of where they are financially, where they want to be, and how to get there, by setting budgets, planning for retirement, and more.

“We focus on bringing financial confidence and wellness to all of our customers — individuals and business — across a broad spectrum of needs,” said Courtney Jinjika, the bank’s regional retail executive for Connecticut and Western Mass. “A key differentiator for us is HelloWallet, an online, real-time financial-assessment and planning tool, which, coupled with personalized guidance from their trusted banker, helps our clients achieve financial wellness and accomplish their goals.”

When it acquired HelloWallet last year, KeyBank saw it as one of several strategies for better connecting their clients, both retail and commercial, to helpful financial resources.

“Our focus is on our clients’ overall financial wellness and helping them make solid financial decisions,” Jinjika explained. “With HelloWallet, we integrated a tool into our system that allows clients to assess where they stand within a few components of overall financial wellness; it actually gives recommendations and feeds information back to bankers, who are able to reach out to clients and help them make difficult financial decisions and guide them to better financial wellness.”

As a digitally based tool, it also appeals to the growing set of customers who prefer resources they can access at any time, not just in a branch, said Jeff Hubbard, Key’s market president for Connecticut and Western Mass. “It’s an exciting tool to offer to customers, and a way to better focus on financial literacy.”

The theme of connection is one KeyBank touts in its marketing efforts and its services, Hubbard noted. When the institution, currently the 29th-largest bank in the U.S. by asset size, acquired First Niagara Bank in 2016, it inherited a large footprint in Western Mass. and Connecticut to complement its existing New England presence in Maine, Vermont, and the Boston area.

And if there’s one thing Hubbard understands about Western Mass., where KeyBank now operates eight branches boasting 70 employees, it’s that customers appreciate a community-focused model.

Those eight branches — in East Longmeadow, Feeding Hills, Holyoke, Ludlow, Southwick, Westfield, and two in West Springfield — have been busy introducing resources including commercial lending, residential mortgage lending, investments, wealth management, and insurance.

In doing so, Hubbard said, it’s also touting the value of “meeting customers on whatever playing field they might want to be on.”

High-tech, Personal Touch

Jinjika said bank employees are skilled at helping customers navigate the various high-tech banking options available to them, from online bill pay and remote deposit capture to the HelloWallet tool, and show them how they can use them to monitor their financial wellness. There’s also an online scheduling tool customers can use to make appointments at the branch and outline what issues they want to discuss.

After all, Hubbard said, online banking hasn’t killed branch banking, not by a longshot. It has certainly forced the branch model to evolve in the ways Jinjika described, but a street-level presence remains crucial.

“Lots of people want to visit a branch for lots of reasons,” Hubbard said. “Here, they’ll visit highly trained, experienced people who want to help them. To be successful in the Springfield market, you need to meet people anywhere they want to meet.”

A decade ago, he went on, products like remote deposit capture for businesses seemed strikingly innovative, and now clients have come to expect them as a baseline. Meanwhile, Millennials might have led the way in adopting technology that allows them to control their finances from their computers and smartphones, there’s less of a demographic breakdown today.

“Millennials get on board faster; they’re quicker adopters, but they’re targeted at everyone,” Jinjika said. “Keeping people out of the branch line is a good thing, so adoption rates are pretty strong.”

In addition, Jinjika said, the vast majority of customers seeking to make major life changes, like a home mortgage, want to sit down with a professional.

“When our clients have a concern or are making major financial decisions, they want to do that in person at the branch,” she explained. “What we find is that they’ll do their research online, but when it actually comes down to fully making that decision, they want to sit down with someone and get answers face to face.”

The same goes for commercial customers, Hubbard said, noting that Key likes to tout itself as a “Main Street bank with Wall Street capabilities,” which can leverage its investment-banking team and industry-specific bankers to bring added resources to commercial clients. We believe that these capabilities, along with our state-of-the-art cash-management services and insurance and benefit consulting services, give us a competitive advantage with our business clients.

He understands the fierce competition in a market that many analysts have called overbanked in recent years, but said loan demand is steady.

“We’re certainly getting our fair share,” he told BusinessWest. “Springfield is a wonderful market with lots of opportunities. We’re grateful to have into some very large clients, very good-sized companies in Greater Springfield, in addition to small, mom-and-pop businesses.”

Another business-minded program is Key@Work, which partners with companies and provides free and discounted banking services employees at no cost to the employer. A dedicated Key@Work ‘relationship manager’ delivers a customized program on site to meet the specific needs of workers through financial-education presentations and one-on-one financial assessments.

It’s another way KeyBank aims to broaden its customer base in its existing branches, rather than having to open new branches to grow.

“We’re very happy with the branch locations we have today,” Hubbard said. “The objective is to get our employees out of the branch into the community and grow our business organically.”

Community Ties

The bank also understands that the region’s community-banking culture means community involvement on a charitable level, Hubbard said, noting that Key expects to make $100,000 in community sponsorships and charitable grants to nonprofits serving the Greater Springfield market in 2017. “We think it’s very important to support the market where we live and work. That’s something we take seriously.”

On a national level, KeyBank also released its National Community Benefits plan last year, which includes $16.5 billion in investments across the communities it serves. The commitments are part of a comprehensive blueprint for steps Key will take over the next five years.

As part of a partnership with the National Community Reinvestment Coalition, KeyBank committed to $16.5 billion in mortgage lending, small-business lending, community-development lending, and philanthropy, with the goal of stimulating job and economic growth in those communities. KeyBank has also committed to reducing neighborhood blight as well as maintenance and disposition of foreclosed properties.

Additionally, the KeyBank Foundation is committing $175 million in philanthropic investments for its traditional priorities of education and workforce development. The investments will also focus on the stabilization of urban neighborhoods and rural communities through local capacity building, affordable housing, and building technical assistance to execute locally.

Nationwide, KeyBank employees will support the plan through local service projects and board leadership. Employees will continue to be heavily engaged in their communities, with the expectation of 500,000 of additional volunteer hours over the next five years.

“Key has jumped into this in a big way,” Hubbard said, noting that the effort crosses 15 states, but each market will feel an impact. “This is a broad but very meaningful delivery of strong foundational support.”

The bank has also earned national recognition as one of Points of Light’s top 50 most community-minded companies for the last three consecutive years; a Top 50 Company for Diversity by Diversity Inc. for the last seven years, and eight annual ‘outstanding’ ratings from the Community Reinvestment Act for its levels of lending, investment, and service to low- and moderate-income communities — one of less than 10% of all U.S. banks to achieve that goal.

Those accolades further demonstrate, Jinjika noted, that KeyBank aims to be an effective partner both for customers who walk in the branch and in the communities surrounding those branches.

“We keep clients at the center of all we do,” she told BusinessWest. “We compete where some of the bigger banks won’t, and where the smaller banks can’t. We really think about the individual in front of us when we put together a package that will work for their financial wellness.”

Joseph Bednar can be reached at [email protected]

Banking and Financial Services Sections

Moving Forward

Jim Curran was asked about the heightened state of competition within the commercial-lending realm in Western Mass. and how People’s United Bank is responding to this changing landscape.

Jim Curran

Jim Curran

He began his answer by noting that, while conditions in this region are perhaps somewhat more competitive than they were when he first started working in this market more than 30 years ago, the reality is that there have always been a lot of strong competitors for People’s United, formerly the Bank of Western Mass.

And he knows that because he worked for some of them.

“It’s been a competitive market for 30 years,” said Curran, the recently named senior vice president and regional manager for Central and Western Mass. “When I sit and talk with people about how competitive the market is today, that’s the same conversation we were having 20 years ago; nothing’s really changed in that regard.”

But many other aspects of banking, and doing business in general, have changed over the past few decades, including everything from the way people work to the technology they use, and that’s why Curran will be managing an office occupying the 10th floor of Monarch Place.

Indeed, the 32 employees at the regional office have moved only a few hundred feet across Main Street in downtown Springfield, but the relocation from the property most still know as Harrison Place (even though it had the People’s United name over the front) to Monarch Place is a considerable step forward, said Patrick Sullivan, the bank’s market president for Massachusetts.

He told BusinessWest that the move has been in the planning stages for more than 18 months, and arose from simple necessity.

When I sit and talk with people about how competitive the market is today, that’s the same conversation we were having 20 years ago; nothing’s really changed in that regard.”

“That’s an old building, and its functionality just doesn’t suit today’s world with the technology and the way people work; when you have an old building, you just can’t do certain things,” he explained. “We were spread out over four floors at one time, and, more recently, we were in two or three floors; now, we’re all on one floor, and that’s much more efficient.

“The new building will allow for greater synergies and collaboration between our cross-functional teams,” Sullivan went on, “including commercial, wealth management, consumer, and insurance services.”

The search for new quarters was an extensive one, he noted, adding that a number of sites were considered — within downtown, outside it, and also outside Springfield itself. Ultimately, the bank, which had been headquartered at Harrison Place for more than 20 years, decided to stay in the central business district.

“Although our customers are spread throughout Western Mass., centrally, downtown Springfield is the best place for our people,” he explained.

Curran agreed, saying that “there’s a lot of really good, positive energy with this move.”

As noted, Curran brings to his new position at People’s United a wealth of experience in banking, commercial lending, and in serving business owners in the Western Mass. market.

Most recently, he served seven years as executive vice president of Berkshire Bank and regional manager of the Western Mass./Central Mass. and Northern Conn. commercial-banking teams. In that role, he established Berkshire Bank’s present Central Mass. location, recruited the commercial-lending and credit team, built market identity and brand awareness, and built a loan portfolio from scratch to $215 million.

Prior to that, he served in a similar role with Santander Bank and its predecessor, Sovereign Bank, managing a team with a portfolio of commercial loans that approached $1 billion prior to the Santander acquisition of Sovereign in 2009. He got his start in banking with Bank of New England (later Fleet Financial) in 1983.

Those stops on his résumé translate into being part of that considerable competition within the commercial lending market that he spoke of earlier, so he obviously speaks from experience when he addressed how to thrive within such an environment.

Specifically, he said it comes down to several factors, including having a large portfolio of products, being local (instead of just saying your institution is local), and understanding customers and their needs.

“That’s the beauty of this bank,” he said. “When you go into a relationship, you have everything in front of you to deliver the financial services and products to that customer — whether it’s the retail side or additional services like treasury management, or whether you’re looking to do an interest-rate derivative on a large commercial real-estate deal or you’re simply looking to do payroll for a manufacturer with 30 people.”

Sullivan agreed. “The competitive advantage we have is to keep all our bankers as local as possible,” he said. “But we have people who know how to take care of a Western New England University or a Springfield College, or a healthcare system, or make a $200,000 loan fast. We stick to our core competency, which is commercial lending, which is important, because it’s competitive out there.

“We respect the fact that the local banks are good competition,” he went on. “We have to out-local them and also out-product them; that’s the world today.”

— George O’Brien

Banking and Financial Services Sections

Business Valuation

By Brandon Mitchell

Brandon Mitchell

Brandon Mitchell

For business owners looking to sell in the near future, there is plenty to be optimistic about.

Buyers have access to capital at low interest rates through banks. Stocks are at all-time highs, driving individual net worth and access to down payments. The Massachusetts economy is vibrant. Most recent reports show GDP growth and unemployment rates outperforming the national average. There is positivity around MGM coming to Springfield, a new GE headquarters moving to Boston, and the potential for business-friendly legislation coming down the pipeline.

These factors will drive buyers to jump into the market and take the keys to a business, but there is a catch. With more than 1,100 businesses listed for sale across Massachusetts right now, buyers have options and are willing to wait for a value that makes sense.

When figuring the value of their business, owners can fall into the trap of including sentimental value in their estimation. Some are relying on what a similar business sold for in a different market or, worse, have a target number they drew up without any real anchor to reality.

Owners should resist the temptation to ‘pull the parachute’ as they get closer to the finish line.”

For business owners who have dedicated their lives to a business, it can be hard to take a step back and objectively consider what their business is worth. Business owners who are willing to take an objective look at the value of their business can be proactive now instead of reactive when they are ready to retire and list their business for the first time.

The value of a business is dynamic. While there is no way to get a buyer to price sentimental value into a purchase price, there is a potential to make changes to the business that will increase the value over time.

There are three approaches to valuing a business — asset, income, and market approaches. For most privately held companies, valuators rely on either the income approach, market approach, or a combination of the two. The basic formulas for these calculations are widely available online, but what owners can do with this information may be less obvious.

First, it’s important to know that the years leading up to the valuation or sale are the most important. A long history of profits can show stability for a small business; however, only the most recent three to five years are going to be considered in a calculation. Small-business owners with eyes on an exit have a tendency to disconnect from the business during this most important period when they should be pushing in the opposite direction.

Flat revenues or increases in expenses during this period have the potential to erase even decades of growth and profitability. Owners should resist the temptation to ‘pull the parachute’ as they get closer to the finish line. Continue to push for revenue growth, and pay close attention to expense control. This is the time to let the numbers showcase the full potential of the business.

Nobody knows the ins and outs of a small business like the owner. Buyers and valuators weigh heavily on the impact the seller’s exit will have on the future of the business. Owners should focus on replacing themselves in the areas in which they are most intertwined in the business to lessen the impact. To identify these high-dependency areas, owners can interview managers and employees, noting issues that cannot be resolved without them.

Key areas of focus generally depend on the industry or business model but usually include sales generation, relationship management, product development, strategic decision making, or day-to-day business management. If continuity can be achieved through process improvement or process documentation, it should be a key focus. Some results can be found through training current employees and empowering them. Consider restructuring tasks and delegating the current owner’s duties to rising managers.

Finally, clean up the financial statements. For various reasons, including tax motivations, small-business owners have a tendency to let their personal and business lives collide on their company financial statements. Documentation is important for any personal expenses being charged to the business. Owners should be ready to prove which expenses were not necessary for the business so that buyers and valuators exclude the expenses to calculate the value — buyers will not report findings to the IRS.

Performing a financial analysis can also help owners understand how their business compares to the rest of the industry, making them ready to articulate strengths and defend or improve weaknesses.

Overall, the current market is friendly to someone looking to sell their business. It’s also a great time to be proactive in managing an exit strategy, whether it lies around the corner or several years out. Getting realistic about the value of their business enables owners to take steps to improve it and make informed decisions.

Brandon Mitchell is a certified valuation analyst and owner of BLM Valuation Services, LLC, which specializes in certified independent business valuations for SBA lenders and small-business owners; (413) 306-1940.

Accounting and Tax Planning Sections

A Time to Plan

taxplanningbw1117a

It’s never a bad time for companies to assess their tax situation and plan ahead, but with the end of 2017 approaching — and plenty of uncertainty over potential tax reform clouding the picture — it’s an especially good moment to start formulating a strategy to save tax dollars down the line. Here’s a checklist of actions based on current tax rules that may help businesses do just that.

By Kris Houghton, CPA

Taxes and the possibility of tax reform have been in the news so frequently, many are just tuned out on the subject. However, with year-end approaching, it is a good time to think of planning moves that will help lower your tax bill for this year and possibly the next.

Kristina Drzal-Houghton

Kristina Drzal-Houghton

For many years, experts have suggested the approach of deferring income until next year and accelerating deductions into this year to minimize taxes. This time-honored approach could turn out to be even more valuable this year if Congress succeeds in enacting tax reform that reduces business tax rates beginning next year in exchange for slimmed-down deductions.

Regardless of whether tax reform is enacted, deferring income also may help you minimize or avoid AGI-based phaseouts of various tax breaks that are applicable for 2017. Except in general terms, I will refrain from comparing the current tax laws to proposed legislation since its enactment in its current form is very speculative.

Regardless of whether tax reform is enacted, deferring income also may help you minimize or avoid AGI-based phaseouts of various tax breaks that are applicable for 2017.”

The following is a checklist of actions based on current tax rules that may help you save tax dollars if you act before year-end.

Year-end Tax-planning Moves for Businesses and Business Owners

• Businesses should consider making expenditures that qualify for the business-property-expensing option.

For tax years beginning in 2017, the expensing limit is $510,000, and the investment-ceiling limit is $2,030,000. Expensing is generally available for most depreciable property (other than buildings), off-the-shelf computer software, air-conditioning and heating units, and qualified real property-qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. The generous dollar ceilings that apply this year mean that many small and medium-sized businesses that make timely purchases will be able to currently deduct most if not all their outlays for machinery and equipment.

What’s more, the expensing deduction is not prorated for the time that the asset is in service during the year. The fact that the expensing deduction may be claimed in full (if you are otherwise eligible to take it), regardless of how long the property is held during the year, can be a potent tool for year-end tax planning. Thus, property acquired and placed in service in the last days of 2017, rather than at the beginning of 2018, can result in a full expensing deduction for 2017.

• Businesses should also consider making expenditures that qualify for 50% bonus first-year depreciation if bought and placed in service this year (the bonus percentage declines to 40% next year). The bonus-depreciation deduction is permitted without any proration based on the length of time that an asset is in service during the tax year. As a result, the 50% first-year bonus write-off is available even if qualifying assets are in service for only a few days in 2017.

• Businesses may be able to take advantage of the ‘de minimis safe-harbor election’ (also known as the book-tax conformity election) to expense the costs of lower-cost assets and materials and supplies. To qualify for the election, the cost of an item of property can’t exceed $5,000 if the taxpayer has a certified audited financial statement along with an independent CPA’s report. Otherwise, the cost of an item of property can’t exceed $2,500.

• Businesses contemplating large equipment purchases also should keep a close eye on the tax-reform plan being considered by Congress. The current version contemplates immediate expensing — with no set dollar limit — of all depreciable asset (other than building) investments made after Sept. 27, 2017, for a period of at least five years. This would be a major incentive for some businesses to make large purchases of equipment in late 2017.

• A corporation should consider deferring income until 2018 if it will be in a higher bracket this year than next. This could certainly be the case if Congress succeeds in dramatically reducing the corporate tax rate, beginning next year.

• A corporation should consider deferring income until next year if doing so will preserve the corporation’s qualification for the small-corporation AMT exemption for 2017. Note that there is never a reason to accelerate income for purposes of the small-corporation AMT exemption because, if a corporation doesn’t qualify for the exemption for any given tax year, it will not qualify for the exemption for any later tax year.

• A corporation (other than a ‘large’ corporation) that anticipates a small net operating loss for 2017 (and substantial net income in 2018) may find it worthwhile to accelerate just enough of its 2018 income (or to defer just enough of its 2017 deductions) to create a small amount of net income for 2017. This will permit the corporation to base its 2018 estimated tax installments on the relatively small amount of income shown on its 2017 return, rather than having to pay estimated taxes based on 100% of its much larger 2018 taxable income.

• If your business qualifies for the domestic production activities deduction (DPAD) for its 2017 tax year, consider whether the 50%-of-W-2 wages limitation on that deduction applies. If it does, consider ways to increase 2017 W-2 income, e.g., by bonuses to owner-shareholders whose compensation is allocable to domestic-production gross receipts. Note that the limitation applies to amounts paid with respect to employment in calendar year 2017, even if the business has a fiscal year. Keep in mind that the DPAD would be abolished under the tax-reform plan currently before Congress.

Year-End Tax-planning Moves for Individuals

• Higher-income earners must be wary of the 3.8% surtax on certain unearned income. The surtax is 3.8% of the lesser of: (1) net investment income (NII), or (2) the excess of modified adjusted gross income (MAGI) over a threshold amount ($250,000 for joint filers or surviving spouses, $125,000 for a married individual filing a separate return, and $200,000 in any other case).

As year-end nears, a taxpayer’s approach to minimizing or eliminating the 3.8% surtax will depend on his estimated MAGI and NII for the year. Some taxpayers should consider ways to minimize (e.g., through deferral) additional NII for the balance of the year, others should try to see if they can reduce MAGI other than NII, and other individuals will need to consider ways to minimize both NII and other types of MAGI.

• The 0.9% additional Medicare tax also may require higher-income earners to take year-end actions. It applies to individuals for whom the sum of their wages received with respect to employment and their self-employment income is in excess of an unindexed threshold amount ($250,000 for joint filers, $125,000 for married couples filing separately, and $200,000 in any other case).

Employers must withhold the additional Medicare tax from wages in excess of $200,000 regardless of filing status or other income. Self-employed individuals must take it into account in figuring estimated tax. There could be situations where an employee may need to have more withheld toward the end of the year to cover the tax. For example, if an individual earns $200,000 from one employer during the first half of the year and a like amount from another employer during the balance of the year, he would owe the additional Medicare tax, but there would be no withholding by either employer for the additional Medicare tax since wages from each employer don’t exceed $200,000.

• Realize losses on stock while substantially preserving your investment position. There are several ways this can be done. For example, you can sell the original holding, then buy back the same securities at least 31 days later. It may be advisable to discuss year-end trades with a qualified advisor.

• Postpone income until 2018 and accelerate deductions into 2017 to lower your 2017 tax bill. This strategy could enable you to claim larger deductions, credits, and other tax breaks for 2017 that are phased out over varying levels of adjusted gross income (AGI). These include child tax credits, higher-education tax credits, and deductions for student-loan interest. Postponing income is also desirable for those taxpayers who anticipate being in a lower tax bracket next year due to changed financial circumstances. Note, however, that, in some cases, it may pay to actually accelerate income into 2017.

• If you believe a Roth IRA is better than a traditional IRA, consider converting traditional-IRA money invested in beaten-down stocks (or mutual funds) into a Roth IRA if eligible to do so. Keep in mind, however, that such a conversion will increase your AGI for 2017.

• It may be advantageous to try to arrange with your employer to defer, until early 2018, a bonus that may be coming your way. This could cut as well as defer your tax if Congress reduces tax rates beginning in 2018.

• Consider using a credit card to pay deductible expenses before the end of the year. Doing so will increase your 2017 deductions even if you don’t pay your credit-card bill until after the end of the year.

• If you expect to owe state and local income taxes when you file your return next year, consider asking your employer to increase withholding of state and local taxes (or pay estimated tax payments of state and local taxes) before year-end to pull the deduction of those taxes into 2017 if you won’t be subject to alternative minimum tax (AMT) in 2017. Pulling state and local tax deductions into 2017 would be especially beneficial if Congress eliminates such deductions beginning next year.

• Estimate the effect of any year-end planning moves on the AMT for 2017, keeping in mind that many tax breaks allowed for purposes of calculating regular taxes are disallowed for AMT purposes. These include the deduction for state property taxes on your residence, state income taxes, miscellaneous itemized deductions, and personal-exemption deductions. If you are subject to the AMT for 2017, or suspect you might be, these types of deductions should not be accelerated.

• You may be able to save taxes by applying a bunching strategy to pull ‘miscellaneous’ itemized deductions, medical expenses, and other itemized deductions into this year. This strategy would be especially beneficial if Congress eliminates such deductions beginning in 2018.

• Take required minimum distributions (RMDs) from your IRA or 401(k) plan (or other employer-sponsored retirement plan). RMDs from IRAs must begin by April 1 of the year following the year you reach age 70½. That start date also applies to company plans, but non-5% company owners who continue working may defer RMDs until April 1 following the year they retire. Failure to take a required withdrawal can result in a penalty of 50% of the amount of the RMD not withdrawn.

Although RMDs must begin no later than April 1 following the year in which the IRA owner attains age 70½, the first distribution calendar year is the year in which the IRA owner attains age 70½. Thus, if you turn age 70½ in 2017, you can delay the first required distribution to 2018, but if you do, you will have to take a double distribution in 2018 — the amount required for 2017 plus the amount required for 2018.

Think twice before delaying 2017 distributions to 2018, as bunching income into 2018 might push you into a higher tax bracket or have a detrimental impact on various income-tax deductions that are reduced at higher income levels. However, it could be beneficial to take both distributions in 2018 if you will be in a substantially lower bracket that year.

• Make gifts sheltered by the annual gift-tax exclusion before the end of the year and thereby save gift and estate taxes. The exclusion applies to gifts of up to $14,000 made in 2017 to each of an unlimited number of individuals. You can’t carry over unused exclusions from one year to the next. Such transfers may save family income taxes where income-earning property is given to family members in lower income-tax brackets who are not subject to the kiddie tax.

• If you were affected by Hurricane Harvey, Irma, or Maria, keep in mind that you may be entitled to special tax relief under recently passed legislation, such as relaxed casualty-loss rules and eased access to your retirement funds. In addition, qualifying charitable contributions related to relief efforts in the Hurricane Harvey, Irma, or Maria disaster areas aren’t subject to the usual charitable deduction limitations.

These are just some of the year-end steps that can be taken to save taxes. Consider meeting your tax advisor to discuss your unique tax situation so they can tailor a plan that will work best for you.


Kristina Drzal-Houghton, CPA, MST is the partner in charge of Taxation at Holyoke-based Meyers Brothers Kalicka, P.C.: (413) 536-8510.

Accounting and Tax Planning Sections

Tax Incentives for Business Owners

By Brenden Healy, CPA

Brenden Healy, CPA

Brenden Healy, CPA

Whether we like it or not, taxes are a part of any business strategy. From the federal level on down, tax obligations go side-by-side with running a business. And while the economy is getting better for much of the country, business owners need to continue to improve their bottom line. One good way to strengthen business cash flow is by taking advantage of tax credits or tax incentives. Business owners sometimes do not harvest these opportunities, most often because they don’t know about all the options available to them or because they don’t fully understand the requirements.

Capturing these benefits requires knowing to look for them, which can be an issue in the diverse tax rules of the IRS or state taxing authorities. Here are some tax opportunities that every business owner should know about:

• Research and Development Tax Credit: This credit was introduced as an incentive to encourage new innovation in the U.S., but remains one of the most overlooked tax opportunities out there. There’s a lot of misconception that a research-driven credit must be limited to modern, large tech firms that are putting out new products. However, the purpose of this credit is to fuel innovation and development, which is relevant to a variety of industries, of all sizes. Recent changes in IRS regulations have opened up this tax credit to many industries. Manufacturing, investment-management services, software development, and even construction are major industries that can take advantage of this tax-savings opportunity, but it can be applied to other industries in certain scenarios.

• Export Sales: The IRS allows companies that produce goods in the U.S. and then export them outside the border to take advantage of a reduced tax rate for some of the profits relating to those export sales. This is accomplished by converting the business income related to the exports into long-term capital-gain income, which is usually taxed at about half the normal business tax rate.

• Write-Off of Asset Purchases: This incentive is one of the most beneficial ones for small businesses. The IRS continues to allow generous write-offs for purchasing equipment, machines, computers, etc. through the Section 179 tax-expensing election with a 2017 deduction limit of about $500,000, or the 50% ‘bonus’ depreciation deduction, which could be used after that spending cap is reached.

• New IRS Capitalization-policy Rules: Just by making a special election on the tax return, a small business can adopt a policy of expensing items purchased during the year, up to $2,500 for each item. As an example, if a business buys 10 computers for $1,500 each, it could expense the full $15,000 of computers under this capitalization policy rule.

• Roof Repairs and Other Building Maintenance Costs: The IRS is also allowing real-estate owners to take advantage of writeoffs relating to building maintenance items. Under new IRS rules, certain roof repairs and other building maintenance items can be expensed in the year they are completed, instead of capitalizing those costs and depreciating them over a 39-year period of time, which was the old requirement.

• ‘Segregation’ of Building Costs for Tax Expensing: When a business owner buys a new building or makes significant improvements to a building, there can be ways to expense those costs faster than the normal, 39-year depreciation life that the tax law allows. By identifying certain costs such as non-structural items, wall coverings, or specialty lighting, the IRS allows the building owner to expense these costs at a faster rate. Thus, performing a ‘cost-segregation study’ can create large tax writeoffs up front instead of waiting 39 years to recover the investment.

• Compensation and Retirement Planning: The IRS also allows business owners to put away large amounts towards their retirement as well as the retirement of key employees of the business. By properly designing a compensation strategy and deferred-compensation planning options, business owners can take care of their key employees while saving tax money.

Leveraging tax incentives can greatly help buffer a company’s bottom line, but more often than not, business owners don’t know what’s available to them. It’s crucial that business owners have open conversations with their accountant about the work of the company to see if there are opportunities available. While these programs can be complex and difficult to navigate, they can save a business a significant amount of money.


Brenden Healy, CPA, is a partner at Whittlesey with significant experience in consulting with business owners to identify tax incentives and strategic planning for their future.

Community Profile Features

‘Something’s Bubbling’

Downtown Greenfield

Downtown Greenfield is becoming a destination, as are other communities in Franklin County.

Franklin County, the state’s most rural county, and also its poorest, faces a host of challenges today — from a declining and aging population to poor broadband service in most of its communities, to statistically lower wages for comparable jobs. But those working to spur economic development and improve quality of life here see progress in many forms and vast opportunities to attract the young people who covet many of things this region can offer them.

John Lunt was looking to make a point about Franklin County in general, and the amount of developable land in and around Greenfield in particular, and to do so effectively, he recalled a recent conversation he had with Jay Ashe, the state’s secretary of Housing and Economic Development.

“We were talking about land that small precision manufacturers could potentially develop on, and he said something like, ‘you’re in Western Mass., Franklin County — you must have a ton of land,’” said Lunt, director of Special Projects and Economic Development in Greenfield, adding quickly that this is not the case at all.

“The land that we have available for those kinds of manufacturing jobs is pretty much gone,” he explained, referring especially to Greenfield. “We have some land that’s zoned ‘planned industrial,’ but there isn’t a business in the world that would build on it because of slope and ledge and things that make it to difficult to prepare.”

John Lunt

John Lunt says collaboration is a necessary quality in rural Franklin County, as is independence and an entrepreneurial approach to progress.

Lunt recalled his conversation with Ashe to make another point — that many of the perceptions about rural Franklin County, like the one about land to develop, are not exactly on the mark.

Others include the widely held belief that families and businesses do not want to locate there, the notion that the region doesn’t have much of what the Millennial generation is looking for, and the perception that manufacturing is all but dead in a region that had been economically dominated by it for centuries.

“Manufacturing is still doing very well here, but it’s changed somewhat; many large companies involved in traditional manufacturing have left,” said Patricia Crosby, executive director of the Franklin Hampshire Regional Employment Board. “Many smaller ones have stayed, and new companies have come here; they’re mostly involved in precision manufacturing or fabricated metals, and they’re doing extremely well, and they’re adding a few employees each year.”

Meanwhile, others we spoke with said Franklin County is, in fact, becoming a landing spot for Millennials — generally older Millennials who are ready to settle down, and especially those who are active and into outdoor sports (much more on that later).

Unfortunately, though, many other perceptions about this region are far more accurate, to the point where they become statistics. These include the fact that this is the poorest county in the state; that wages here are well below the state average for comparable jobs — a real factor in the region’s struggles to attract young people; that broadband service doesn’t exist in many of the communities in the county; that public transportation is sorely lacking; that the age of the population in those communities is rising at almost alarming levels; and that, while unemployment is fairly low at 3%, this is a misleading statistic because many individuals have stopped looking for work, and others are unemployable.

But while rural Franklin County has more than its fair share of challenges, there are a number of signs of progress and abundant hope that there will be many more in the months and years to come.

Start with the Five Eyed Fox, a restaurant and bar in Turners Falls that is making that community just east of Greenfield a destination and what some even called a ‘hot spot,’ a term not used in that community for some time.

“It’s super hip and cool to be in Turners Falls,” said Natalie Blais, executive director of the Franklin County Chamber of Commerce, and also the local tourism board. “It’s the place to be; Turners is sort of leading this whole retro, hip scene.”

It’s super hip and cool to be in Turners Falls. It’s the place to be; Turners is sort of leading this whole retro, hip scene.”

Then there’s the Orange Innovation Center, a co-working space in a community in what’s known as the North Quabbin area, the eastern edge of the county. Created in a factory where General Foods once produced Minute Tapioca pudding for roughly seven decades, the space now hosts an eclectic group of tenants ranging from a music studio and to a fitness club to the Center for Human Development.

And at Greenfield Community College (GCC), the only college in the county, a number of new programs have been created to help provide job seekers with the skills they’ll need to succeed in a changing, information-based economy.

Linda Dunleavy

Linda Dunleavy says Franklin County is becoming an attractive landing spot for what she called ‘older Millennials,’ who are looking for a place to settle down.

Perhaps most importantly, though, an ecosystem is emerging. It’s comprised of a number of nonprofits, the college, government entities, and employers across several sectors, and while it’s still taking shape and finding its bearings, it is addressing the issues and problems facing the region through collaboration and efforts to maximize available resources. And it is also taking a more organized approach to the work of bringing families, businesses, young people, retirees — and opportunity — to the region.

For this issue, BusinessWest talked with several individuals who are part of this ecosystem about the various forms of progress being recorded — and the considerable work that remains.

Buy the Numbers

Collaboration is needed because the challenges facing Franklin County are numerous, and many of them are complex and defy easy answers — or any answers, for that matter.

Indeed, after talking about how wages in Franklin County are statistically lower than those in other areas and roughly 65% of what is paid statewide, Crosby, who noted that it’s been this way since she came to the REB 16 years ago, was asked the obvious question: why?

She paused for a moment and said simply, “because employers can get away with it.” And they can, because the factors that drive wages higher in other areas — a scarcity of workers and heightened competition for qualified talent — are not in evidence here, with some exceptions, as we’ll see.

That statistic regarding wages is only one of many eye-opening numbers that come to the forefront when talking about Franklin County. Many of the others drive home just how rural this area is: there are 72,000 people living in 26 communities across 725 square miles. In several communities, such as Rowe, Hawley, Heath, and others, stating the total population requires only three digits. In Monroe, one barely needs three; the latest census had 121 people living there.

The people living in those 26 towns are the poorest in the state in terms of per-capita income and, as noted, average wage per job, said Linda Dunleavy, executive director of the Franklin Region Council of Governments.

And, by and large, the population of the county is falling, said Alyce Stiles, dean of Workforce Development & Community Education at GCC. She said the enrollment at the county’s public schools is down significantly in recent years — which doesn’t bode well for the college or the region and its business community.

“That has layers of ramifications for us,” she said. “There are fewer people going into the community-college system, and then fewer people going into the workforce.”

And the population is getting older, said Roseann Martoccia, who should know. She’s the executive director of LifePath Inc., a nonprofit that works to help seniors age in place. She noted that 17% of the county’s residents are over age 65 (the state average is 15%), and in some of the smaller, western communities, the number exceeds 20%.

“And those percentages, in some communities, are expected to double by 2030,” she told BusinessWest. “And that’s not that far away.”

Behind all the numbers is a kind of operating mindset, if you will, one defined by a form of independence that is understandable when one considers how far away this county is from Boston or even Springfield — and not just in terms of geography.

“Collaboration comes from necessity,” said Lunt. “We have to be more independent, and we have to be more entrepreneurial, because whether we want it or not, most people realize that help isn’t really coming from farther east.”

The statistics, as well as this mindset, are just some of the things that Cindy Russo has learned she since became president of Baystate Franklin Medical Center in Greenfield, the county’s largest employer, roughly 18 months ago.

“I knew absolutely nothing about Franklin County before I came here, and about the only name I recognized was Yankee Candle,” she said, referring to the iconic Deerfield-based manufacturer and retailer. “Everything else, I had to learn.”

Cindy Russo

Cindy Russo, who became president of Baystate Franklin Medical Center in 2016, says she can sense gathering momentum in the region.

She’s learned, among other things, that the region has a strong sense of community spirit, as well as a great deal of natural beauty and a bounty of outdoor recreation to offer, from fishing to hiking; from skiing to whitewater rafting. She’s also learned that a large number of nonprofits operate in the region — often in collaboration with each other to meet a wide variety of missions.

She’s also come to recognize that it’s somewhat difficult to recruit doctors and other medical professionals to this rural area, despite its various amenities and lower lost of housing and living in general.

“That is certainly a challenge,” she said. “One of the biggest ways we’re able to attract people is if there’s a connection — they have family here or their roots are here — but also the beauty of this region and the hiking and other outdoor activity; those are strong selling points.”

Another challenge, meanwhile, is keeping young professionals, she said, adding that more than 50% of Baystate Franklin’s employees have less than five years of experience.

“Many times, we’ll get a new nurse from GCC, and they’ll start their practice at Baystate Franklin,” she explained. “But then they might be looking out for the sexier markets, like Boston. So we have to think of ways to keep them here.”

But since arriving, she’s observed something else — gathering momentum when it comes to the region being a destination for everything from a fun night out to a place to raise a family, to a spot where one can enjoy retirement. “There’s something bubbling here; even in the short time I’ve been here, I’m feeling it,” she said, adding that the region is becoming something it probably doesn’t want to become — a best-kept secret.

Land of Opportunity

There was some general agreement about that notion of something bubbling among those we spoke with. People talked about momentum and the region making strides toward becoming something it’s never really been, or hasn’t been for some time — a destination, on several levels.

Start with a night out — at the Five-Eyed Fox, or a growing number of alternatives.

“There’s great food and drink; there’s much more of a local arts scene than people than people think,” said Lunt. “We actually toured the Mass. Cultural Council around, and they were kind of blown away by what they saw out here.

“There are a lot of artists studios,” he went on. “There’s a lot of local theater, and Greenfield’s gone from having not that many restaurants to having 13 different kinds of cuisine. It’s not uncommon at all to do something you really couldn’t do here 10 or 15 years ago — families go out, have something to eat, and then go to a local show or theater or listen to some music.”

And then, there’s tourism in general. Blais said the region has built a solid infrastructure of attractions that includes ski resorts, ziplining and whitewater-rafting outfits, fishing, boating, and more, and needs to more aggressively promote what it has and build that important sector of the economy.

But those within this ecosystem also talked about destination in a bigger sense — as in a place for a family to settle or a business to put down roots.

And some younger families are moving into Greenfield and other communities, like Turners Falls, because of what they offer, said Blais.

“There’s lots of culture and live music,” she explained. “And with all the breweries and cideries in the region, we’re really seeing young people being interested in coming here.”

Dunleavy agreed, but narrowed the definition of ‘young’ somewhat. She said the region is more attractive to older young people, those with familes, those who might have roots in the region, or those who might have left in search of something else and now value what they left behind.

“It’s Millennials at a different stage of their life,” she said, adding that, despite recognized progress in this realm, there needs to be a large, concerted, and collaborative (there’s that word again) effort to sell the county as an attractive place to live.

“As a group of organizational leaders, we were talking about how we need to have the same mission — attracting young people and young families to Franklin County,” Dunleavy explained. “We should all identify how our organization will do that and work together to implement a region-wide strategy, because we need to bring more people to Franklin County and younger people to Franklin County.”

As for attracting businesses and jobs, the region faces a number of challenges, ranging from those broadband issues to the lack of developable land that Lunt mentioned.

“We never turn anyone away,” he said. “But we struggle when someone says, ‘we want a 40,000-square-foot building and 22 acres’ — we just don’t have that available.”

What is available are smaller lots, some old mill spaces, and office buildings downtown, he noted, adding that all of the above can be used toward something that Millennials, in general, seem to like: co-working space.

Several projects in this realm are already underway or in the planning stages, said Lunt, adding that they will helped by the town’s creation of a municipal broadband network that includes Internet, phone, and data services.

“The goal is to move people into these spaces by offering them more 21st-century infrastructure,” he explained, “because, as manufacturing-driven as we’ve been, we just can’t be in the future, because we just don’t have the space for it; we have to try to develop higher-tech businesses, and those are also businesses that pay well.”

Another challenge for the region involves the workforce. As noted earlier, unemployment is relatively low, but there are many who lack needed skills, have stopped searching for work, or are unemployable.

Stiles said the broad goal is to help individuals gain needed skills and fill positions in growing fields, such as healthcare and precision manufacturing.

She mentioned specific programs created at GGC for the precision-manufacturing and medical-assisting fields, just two of many where jobs exist and will exist in the years to come, and where companies consistently struggle to find good help.

Moving forward, she and others said the primary goal is to make the workforce larger and stronger, an initiative that is, in all ways, a work in progress.

Moving the Needle

Surveying the situation from many different angles, including that of a long-time resident and also someone working to stimulate economic development in the region, Lunt said the path Franklin County is on is the right one.

Elaborating, he said the many groups working to spur economic development and improve quality of life are moving the needle when it comes to generating progress and addressing the overriding challenge facing the county — creating enough good jobs to support the lifestyle that is the primary draw for this region.

“We could all live somewhere else, but we don’t — we choose not to,” Lunt told BusinessWest. Speaking for all those now part of the county’s emerging ecosystem, he said the broad goal is simply to inspire more people to take that same attitude.

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

Community Profile Features

Change Agents

The old Sears Roebuck store on Main Street

The old Sears Roebuck store on Main Street in Greenfield will soon be home to an innovative health partnership.

If you’re looking for symbolism — or some irony — in the fact that that the new development to be known as the Greenfield Center for Wellness will be located at the former site of a Sears Roebuck, well, there’s plenty of both.

Indeed, in 1929, when this one opened, Sears was the place where you could go to find almost anything — from a Lady Kenmore washer to a fly rod; from a new pair of sneakers to a tractor; from a monkey wrench to a new battery for your Packard. It was one-stop shopping personified, and the new wellness center, a partnership between the Center for Human Development (CHD) and the Community Health Center of Franklin County, will have that same quality.

But, and this is a big but, the Sears sign over the front of 102 Main St. has been gone for a long time now — so long that no one who spoke to BusinessWest about the new wellness center could put a date on it. The best anyone could do was a guess: “in the early ’70s — I think.”

It’s long gone because shopping habits have certainly changed — going to Sears (for almost anything) is no longer how it’s done. And in most all respects, the new wellness center is being created because the way people are receiving health and wellness services is also changing, and this location represents the future, not the past — even if those involved have secured a grant to restore the original Sears storefront.

From left: Cameron Carey, Community Health Center development director; Jim Goodwin; Ed Sayer; and Shannon Hicks, CHD clinic director.

From left: Cameron Carey, Community Health Center development director; Jim Goodwin; Ed Sayer; and Shannon Hicks, CHD clinic director.

Like we said, symbolism and irony, and lots of it.

Simply put, the new wellness center, a $6 million project, has, as its foundation, the integrated-care concept, said Jim Goodwin, executive director of CHD, noting that it will bring a host of services, including primary care, dental, and counseling for emotional wellness under one large roof.

“Providers can deliver complementary services that treat the whole person,” said Goodwin, noting that this is an important consideration in a region that has both a host of healthcare issues and a poor public transportation system.

And it also represents a relatively new model in the delivery of health and wellness services, he went on, adding that progressive states such as New York, Oregon, and others have seen the creation of similar integrated-care facilities, and the facility in Greenfield is a reflection of this movement, if it can be called that.

Meanwhile, the center, slated to open its doors early next year, also represents a somewhat unique case of collaboration between nonprofits working to improve the overall health of the communities they serve through that integrated model of care, said Ed Sayer, chief executive officer of the Community Health Center of Franklin County.

“You’ll find a single corporate entity that has primary health, behavioral health, and sometimes dental,” he explained. “But it’s rare to find this degree of partnership where two different corporate entities come together under one roof.

“CHD and the health center have really worked together almost as one organization,” he went on. “This facility is very exciting and quite unique.”

And, in yet another parallel to the Sears store — at least in its heyday — the Greenfield Center for Wellness will be an economic catalyst, a magnet that will draw people to a changing and re-emerging downtown Greenfield.

Indeed, between 80 and 100 people will work at the center, and at least another 100 are expected to visit it on a daily basis, said Sayer, adding that this critical mass of potential consumers will help existing business ventures downtown and probably spur new ones.

“We really want to be part of the redevelopment of downtown Greenfield,” he told BusinessWest, “and spearhead some of the economic recovery of the downtown area.”

For this issue and its focus on Franklin County, BusinessWest takes an in-depth look at the wellness center and how it is expected to help change the landscape in that rural region — in many different ways.

Brand New

When asked how the center came to be, Goodwin told BusinessWest it was the product of a recognized need and a unique, if challenge-laden, opportunity to meet it in a forward-thinking manner.

Talks began roughly three years ago, he noted, adding that they were prompted by changes brought about by healthcare reform, a sharpened focus on population health, and much greater emphasis on recognizing — and addressing — what are known as the social determinants of health.

That list includes everything from housing, or a lack thereof, to transportation, of a lack thereof, to unemployment and poverty and the many ways they impact one’s ability to address their health and well-being.

“Medical costs were rising, and not just because the cost of medical care was going up, but also because people were showing up in emergency rooms, being hospitalized, and becoming in need of services for a variety of reasons that included high levels of anxiety, depression, and disorganized living,” Goodwin explained.

These forces, if you will, coincide with what are known as ‘1115 waivers.’ As Goodwin explained, the Massachusetts 1115 Demonstration provides federal authority for the state to expand eligibility to individuals who are not otherwise eligible for the Children’s Health Insurance Program (CHIP), offer services that are not typically covered by Medicaid, and use innovative service-delivery systems that improve care, increase efficiency, and reduce costs.

An integrated-care facility in Greenfield would accomplish all of the above, he went on, adding that CHD, which provides a number of behavioral-health services in Franklin County through its Children’s Behavioral Health Initiative, sought out a partner to create such a center.

It found one in the Community Health Center of Franklin County, a 20-year-old nonprofit founded with the mission of providing excellent medical care to all residents of Franklin County, regardless of insurance status or income. It currently has three locations, one in Orange providing medical and dental services, another in Turners Falls offering dental services, and a third in Greenfield offering medical services.

Initial talks gathered momentum, said Goodwin, adding that the discussions focused on creating what would be a new model, in many ways, for improving the overall health of the community.

Sayer agreed, noting that the two nonprofits came to the realization that they could more effectively meet their respective missions if they came together at one location.

“We’re all really trying to create the health and wellness center of the future,” he said of the joint venture. “What is healthcare going to look like in five or 10 years? That’s the question that’s driving us, and we’re trying to make the experience as seamless as possible. It’s not just having everything in one place; it’s being taken seriously as a whole person in terms of your healthcare needs. I think that’s a very exciting thing.”

With a collective vision for an integrated health center taking shape, a search was commenced for a suitable location. A number of options were considered, and eventually the parties focused on the old Sears building, which had several benefits, including adequate space and parking and a convenient location in the center of Greenfield, just a block or so down from a famous department store still doing business — Wilson’s.

However, the site, in recent years home to everything from an antiques shop to the Franklin County District Attorney’s office, also needed a lot of work.

“The building was not in great shape — the second floor was; the DA had renovated it, but the rest of it was in general disrepair,” said Goodwin. “The parking lot was a mess, and everything needed to be upgraded; it didn’t have the capacity for the kind of IT needs that the health center would have.”

On top of all that, there was oil that had to pulled out of the ground, remnants from the automotive center that Sears operated at the site.

But the leaders of both nonprofits saw past those problems and kept their focus on the vast potential of an integrated health center at that address and on what it would mean for the region.

“The type of facility we’ll have here is just way ahead of anything that exists in this region,” said Goodwin. “In many ways, it represents the future of how healthcare services will be delivered.”

What’s in Store

Putting the center and its importance to the region — on many different levels — in perspective, Sayer said the facility is “not just a mental-health clinic, and not just a doctor’s office — it’s something that’s truly greater than the sum of its parts.”

That’s saying something, because there are quite a few parts to this venture.

The same could be said of the Sears that operated at 102 Main St. for decades, of course, which brings yet another layer of symbolism and irony to the this project and its historic home.

You could say something remarkable is in store for Greenfield and the surrounding area — in all kinds of ways.

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