Affiliate Chambers to Shine in New Breakfast

Transcription

Channels
C
AUGUST 2004
hamber
A PUBLICATION OF THE AFFILIATED CHAMBERS OF COMMERCE OF GREATER SPRINGFIELD
Serving Agawam, East Longmeadow/Longmeadow, Hampden/Wilbraham, Ludlow, Springfield, West Springfield, Westfield
Affiliate
Chambers to
Shine in New
Breakfast
Club Format
A
Festive After 5
Page 16
Chamber
Ambassadors
Page 6
new Breakfast Club format
continues to take shape. As
announced last month, at some breakfasts, traditional salutes will be combined with the introduction of a
speaker series titled “Chamber
Champions.” In addition, the
Affiliated Chambers of Greater
Springfield (ACCGS) is pleased to
announce the Breakfast Club spotlight
will also shine on each of our seven
affiliate Chambers during the course
of the upcoming seasons.
Starting in November, the Greater
Westfield Chamber will be saluted at
the Oaks. The East Longmeadow/
Longmeadow Chamber at the
Sheraton Springfield in December. The
Ludlow Chamber at Springfield
College in January 2005. The
Springfield Chamber at the Best
Western Sovereign Hotel &
Conference Center in February. The
Hampden/Wilbraham Chamber at
The ACCGS would like to thank our Breakfast Club Committee volunteers for their
hard work in helping organize our successful program over the past several years,
and we look forward to many more successful years working with the newly merged
Program Committee. Several Committee members are shown here, at the Western
New England College season-ending breakfast in June. Back row left to right: Kathi
Donahue, Chicopee Savings Bank; Patrick Leary, Moriarty & Primack, P.C.; Ed
Laskowski, Marcus Printing Company; Pam Townsend, Sellutions; front row left to
right: Amy Scribner, Hampden Bank; Angela Kramer, The MRI Center; Wendy
Tariff, Freedom Credit Union, and Co-Chair of the new Program Committee; and
Kathleen Plante, ACCGS Events Manager. Photo by Driscoll Photography
Chez Josef in May, and the West
Springfield Chamber at Western New
England College in June. The Agawam
Chamber will kick off the next
Chamber season in September 2005.
The newly formed Program
Committee, which is comprised of a
combination of our After 5 and
Breakfast Club Committees, has
Continued on page 15
Effective Planning to Transition a Business
25
Four Members
Celebrate 25
Years!
Page 6
by Hyman G. Darling, Esquire, and
Gary G. Breton, Esquire, Bacon &
Wilson, P.C.
n Estate Plan for a business
owner involves more than the
normal and typical estate planning
considerations. Every Estate Plan
should include the four basics: a
Homestead Declaration, Durable
Power of Attorney, Health Care Proxy
and Will. However, business owners
must also consider the impact of
potentially significant estate taxes as
well as succession planning to ensure a
smooth transition to heirs.
A
Family Owned
Businesses
The least commonly understood
estate planning document, the
Homestead Declaration, is a relatively
straightforward document which when
filed properly with the Registry of
Deeds protects the equity in one’s
home in an amount up to
$300,000.00. This amount is in addi-
tion to any liability coverage one
might have on their homeowner’s policy and possibly an additional umbrella
insurance policy. It is important to
remember that a person may have
only one Homestead Declaration since
it must be on his or her principal residence, and this does not apply to
every piece of real estate that one
owns. It is also important to remember that some refinances and home
equity loans subordinate or release a
Homestead Declaration. Therefore, it
is important to review the details of
one’s mortgage to determine whether
Continued on page 9
Affiliated Chambers of Commerce of Greater Springfield • August 2004
LEGISLATIVE UPDATE
Washington Insights During Issues Symposium
AFFILIATED
CHAMBERS OF
COMMERCE
OF GREATER
SPRINGFIELD, INC.
MISSION
STATEMENT
The Affiliated Chambers of
Commerce of Greater
Springfield, Inc. serves area
affiliated chambers,
organizations, and the
businesses they represent, to
meet individual and collective goals promoting prosperity for the region.
Vol XXII • No.8
Chamber Channels
(USPS681-850)
is published monthly
with $5 of Chamber dues
covering subscription costs.
Periodicals postage paid at
Springfield, MA
Post Office, 01101.
Postmaster:
Send address changes to Chamber
Channels,
1441 Main Street
Suite 136
Springfield, MA 01103-1449
TEL: 413-787-1555
FAX: 413-731-8530
email:
[email protected]
web site:
www.myonlinechamber.com
News & Advertising Deadline:
10th of every month.
Publisher:
Affiliated Chambers of Commerce of
Greater Springfield, Inc.
Editor:
Alta Stark
2
by Jeffrey Ciuffreda, VP
Government Affairs
ongressman Richard Neal’s
Washington Issues Symposium
was held June 16 – 18, 2004 and
was briefly reported on last month.
The participants of the trip were
asked to evaluate the program and
the returns have put this trip in the
exceptional category. If you wanted
first hand insights from the coauthor of the Sarbanes-Oxley Act
which established new investor protections and set higher standards for
corporate governance, Congressman
Michael Oxley was pleased to provide those insights and answer questions. With the telecommunications
industry of great importance to our
region, Congressman Neal arranged
to have perhaps the most knowledgeable Congressman in that area,
Congressman Ed Markey, update the
attendees on this issue. Crossing over
into the senate side of the Capitol,
attendees got an emotional update
on issues such as education and
health care from our own Senator
Ted Kennedy and Rhode Island’s
Senator Jack Reed shared his first
hand observation from his three trips
to Iraq. Reed, a West Point graduate
is a member of the Senate
Committee on Armed Services.
Congressman Neal, finishing his
eighth term in Congress, displayed
his knowledge of the Congress and
the history around it by leading the
attendees on a tour of the Capitol
including observing a debate underway on the floor of the House of
Representatives. Dedicating two
complete days to the program, he
was available to introduce each and
every speaker, share lunch, dinner,
and a reception with us, and no one
with an issue to discuss went away
without having that opportunity for
one-on one exchanges with her
Congressman or any of the speakers.
C
A Partisan Congress
There was no doubt among the
speakers, Democrats and
Republicans alike, that the partisan
nature of Congress is perhaps at a
level unseen in many years. The thin
margins the majority holds on the
House and Senate certainly contributes to this atmosphere. Yet,
there are some that continue to do
the people’s work with the good of
the country first and foremost in
their minds. Congressman Neal was
mentioned time and again by mem-
Comcast sponsored a dinner during the Symposium. (from left to right) John
Maher, Director Govt. Affairs, Steven Fitzgibbons, Manager of Govt. &
Community Relations, U.S. Congressman Richard E. Neal, Doug Guthrie, Area
Vice President and Dan Glanville, Counsel and Director Govt. Affairs.
Photo submitted by Comcast.
bers of both parties as a leader in the
building and in the effort to get the
people’s work done. This trip is held
every two years and given the feedback we received from this year’s
attendees you would be wise to put
that date on your calendar now.
At State House
Our state legislative delegation
worked extremely hard to get a budget
in place by July 1, 2004 and one that
actually contained a fair amount of
good news for programs in our western Massachusetts area. As of this
writing, the legislature was addressing
some of the Governor’s vetoes and on
July 31, 2004, the formal session of
the legislature will end. The state
seems to have weathered the past few
years of a national and local slowdown/recession fairly well. While you
may not always agree with the votes
of the legislature, the results on business issues and the handling of the
state’s budget have actually been quite
good. If you do see any of the delegation during the summer, a kind word
would probably be appreciated by
them after a tough session.
SPRINGFIELD RESIDENTS
NOW HAVE THE
DOM
to choose NOT to pay for their
local newspaper.
Introducing the
NEW Springfield
Reminder hitting
newsstands
this June.
Call 525-6661 for more information.
©2004 Affiliated Chambers of Commerce of Greater Springfield, Inc.
What Businesses Need to Know About Going
Smoke & Tax Free (for a day)
AFFILIATED
CHAMBERS OF
COMMERCE
OF GREATER
SPRINGFIELD, INC.
CHAMBER STAFF & THEIR
RESPONSIBILITIES
Russell F. Denver, Esq.
755-1304
President
Debra A. Boronski - 755-1309
Senior Vice President
Jeffrey Ciuffreda - 755-1312
Vice President,
Government Affairs
Carrie Dzialo
Accounts Payable Clerk
755-1307
Lynn Johnson - 755-1310
Executive Assistant
Jeff Daley - 787-1541
Vice President
Karen Maciorowski
Controller
755-1306
Elizabeth McGrath - 755-1308
Staff Accountant
Sylvia Nadeau-Poole, Affiliate
Coordinator
755-1318
Carol Nelson
Receptionist
787-1555
Kathleen Plante - 755-1313
Events Manager
Alta Stark - 755-1316
Communications Director
Send any staff member email:
[email protected]
Board of Directors 2004
President
Atty. Mary Socha,
Bozenhard, Socha & Ely
Vice President
Joanne Berwald, Buxton Company
Treasurer
Linda Skorupski, Banknorth, N.A.
Assistant Treasurer
Ellen Albano, Eastfield Mall
Secretary
Kathyrn Dube, Banknorth, N.A.
Immediate Past President
Carol J. Pederzani,
Eastern States Exposition
Honorary Past President
Mary M. Fitzer,
MMF Consulting Services
Directors
Harriet Fortin
Doris Morris,
Egan, Flanagan, and Cohen, P.C.
Kathleen O’Connor, Peoples Bank
Tina Robertson, Omniglow
Gina Barry, Bacon & Wilson, P.C.
Karen Charbonneau,
Samuel D. Plotkin & Assoc.
by Jeffrey Ciuffreda, Vice President of
Government Affairs
statewide smoking ban in all
workplaces is now in effect, as of
July 5, 2004. While the ACCGS took
a position that government dictating
how a businessperson should operate
their business was not good (let the
public decide), the ban is in effect in
all workplaces, not just bars and
restaurants. Some exceptions were
made, mostly dealing with “private
clubs” such as Legion Halls or VFW
Halls.
Businesses that allowed smoking in
bars or in separate bar areas say the
ban is having some initial impact.
“We’ve had complaints,” says Rudi
Scherff, President, The Student Prince,
“but no one seems mad at us. It’s really too early to tell how this will
impact us because July is one of our
slowest months. Right now smokers
may be heading more to outdoor venues and private clubs. But I think it’s
fair because there’s no smoking in
Connecticut either.”
Businesses on Nantucket and
Martha’s Vineyard have weathered
smoking bans for over a year now.
Both Commonwealth islands adopted
a no-smoking policy in all restaurants,
bars and taverns well before the state
took action. Chris Morris, the President of the Nantucket Restaurant
Association, who also manages the
Main Street restaurant Arno’s, says
“Initially we certainly lost some bar
business, but I don’t think it was a big
impact on business. For us it was also
bad timing because the ban went into
effect when the economy slowed
down. Now the economy’s better and
I think the smokers who initially
stopped going out have now adjusted
and come back.”
Business owners should certainly
educate themselves as to what is
required of them under this new law.
The law contains fines in the $100 to
$300 range against the employer, with
harsher punishment for repeat offenders. It also allows the fining of individual violators. One resource that can be
used is the state’s web site that contains a great amount of information
including a fact sheet, and example of
appropriate “no smoking” signs, and
an implementation guide. All of this is
available at http://www.mass.gov/
dph/mtcp/resources/employers_resourc
es.html
A
Sales Tax Holiday
The other business issue is one
approved last year that declared a
“sales tax holiday.” This day is set for
August 14, 2004 and any purchase of
$2,500 or less will not be subject to
the state’s 5% sales and use tax.
“Normally July and August are quite
slow in the retail sector,” says Arlene
Putnam, V.P. General Mgr. Eastfield
Mall, “and this will definitely peak
people’s interest and spur buying, but
overall this will have more of an
impact on the purchase of big ticket
items such as appliances.” For example, on a $2,000 computer, consumers
would save $100. Paul Whalley, V.P
Whalley Computers says “ I expect to
see a spike in sales on that day. If a
company was considering a computer
purchase in August, it makes sense to
make the purchase on the 14th. I’m
sure the tax holiday will move more
purchases that day, and hopefully
pump up the quarter.”
Of course, there are exceptions and
they are mostly in the motor vehicles,
meals, categories. Utilities such as gas,
steam and electricity will also be
excluded from the exemption. There is
also a requirement of the store where
the purchase is made to document
sales tax exempt purchases of $1,000
or more by filing a state approved document to be signed by the purchaser.
Once again the state has provided a
great deal of information for the purchaser as well as for the retailer on a
web site, www.dor.state.ma.us/
rul_reg/tir/TIR_04_14.htm. The
Chamber has been very active in the
legislation that created this first taxfree day. This provision was included
in the economic stimulus legislation
that was enacted last year as an
attempt to encourage growth in certain
sectors of the economy.
Priority Pass Update
T
he Chamber’s Priority Pass
brochures have been re-printed
and feature forty new offers and participants, as well as returning
favorites. The Priority Pass program,
unveiled last fall, is designed to assist
members and their employees in saving dollars and also to encourage them
to shop locally and use services of
other Chamber members. Nearly
5,000 Chamber members/employees
are Priority Pass card members. There
is no cost for a member business to
participate, and it’s a great way to
promote your business. The next
chance to join this exciting program
will be December 2004.
The online program, at www.myonlinechamber.com has also been updated to reflect changes. A new Priority
Pass brochure will be mailed to each
member company. Additional copies
for distribution to employees are available at the Chamber offices at 1441
Main Street for pick-up or mailing. If
you have not already done so, please
fill out the Priority Pass brochure
order form below and fax back at
731-8530 indicating the number of
brochures needed at each member
company. Additional Priority Pass
cards are also available, if needed.
PRIORITY PASS BROCHURE ORDER FORM
Please indicate number of brochures needed and fax to Alta Stark at 731-8530.
Name of Business:______________________________
Contact Person: ________________________________
Address:_________________________________________
Telephone #: ____________________________________
# of Priority Pass Brochures Needed: _________
3
N M
EW
AFFILIATED
CHAMBERS OF
COMMERCE
OF GREATER
SPRINGFIELD, INC.
1441 Main Street • Suite 136
Springfield, MA 01103-1449
Telephone: 413-787-1555
Fax: 413-731-8530
Web site:
www.myonlinechamber.com
Officers
Chair - Richard Ayers, Mount Tom
Box Co., Inc.
Vice Chair - David Hobert,
Sovereign Bank
President
Russell F. Denver, Esq., Affiliated
Chambers of Commerce of Greater
Springfield, Inc.
Treasurer
Keith E. Harvey, United Bank
Budget Director
Stanley Kowalski,
Western New England College
Clerk
David J. Martel, Esq., Doherty,
Wallace, Pillsbury & Murphy, P.C.
Past Chair
Richard J. Moriarty, Moriarty &
Primack, P.C.
Directors
Brook Ashby,
Penfield Productions, Ltd.
Susan Baldwin, Charter One Bank
Gary Briggs, Westbank
Al Bryant, H.L. Dempsey Co.
Ronald L. Cherubin, Life Care
Center of Wilbraham
William Clark,
United Cooperative Bank
Barbara-Jean DeLoria, United
Cooperative Bank
Gary Fialky, Esq.,
Bacon & Wilson, P.C.
Donna Safford Fleury,
Vinson Associates
Andrew S. Gross,
Career Group Staffing Services
William Harmon,
William B. Harmon, P.C.
David Hayes,
Focus Business Systems
Shirley Herrick, Herrick Electric
Robert Kolb, Banknorth
George Koller, Noble Health
Systems
Elizabeth Loughran, Center for
Human Development, Inc.
Phyllis Magoon, Western
Massachusetts Electric Company
Jack Mayausky, Solutia Inc.
Arlene Putnam, Eastfield Mall
Alan Rogers,
Defense Investigators Group
Joseph Roy, Mass. Wholesale
Electric
Mary Ellen Scott,
United Personnel Services, Inc.
Mary A. Socha,
Bozenhard, Socha, & Ely
Kenneth C. Spafford, Spafford
Leasing Associates, Inc.
Dawn Starks, Acres Power
Equipment
4
S
EMBER
Companies and organizations listed
here have made an important investment in their business and in the
community by joining the Chamber.
Do business with Chamber members—it’s good business!
Cold Stone Creamery
Springfield Chamber
1000 West Columbus Rd.
Springfield, MA 01105
Brian White, VP
(413) 736-6060
Restaurants
Springfield Teachers Credit
Union
Springfield Chamber
145 Industry Ave
Gary Fishlock, CEO
(413) 732-9812
Credit Unions
West Springfield Chamber
168 S. Blvd
West Springfield, MA 01089
Maria Sepulveda, Owner
(413) 737-3322
Beauty Salons
Agawam Chamber
67 Hunt St.
Agawam, MA 01001
Cheryl Fountain, Regional
Recruiting Manager
(413) 821-9930
Financial Planning Consultants
Springfield Chamber
1983 Parker St.
Brian Santaniello, Owner
(413) 782-5383
Shopping Centers & Malls
1 Year Anniversary
Heritage Hall West
Protector Group Insurance
RGIS Inventory Specialists
Strategic Information Resources Inc.
Write Image
5 Year Anniversary
NovaCare, Inc.
Peoples Bank
Theodore’s
Springfield Chamber
201 Worthington St
Keith Weppler, Owner
(413) 736-6000
Restaurants
Margaret D. Soucie
Penny Pincher.biz
Every month the Affiliated Chambers
of Commerce honors those members
who have continuously supported our
mission throughout the years. The following members joined in the month
of August. Happy Anniversary!
The Hair and Nail Company
First Investors Corporation
Women’s Partnership
1500 Main St.
Margaret Soucie, Broker
(413) 736-1168
ANNIVERSARIES
These and all new members which
have joined the Chamber since the
publication date of the 2004
Membership Directory & Community
Guide are available in a free monthly
supplement to the Directory. To
receive your supplement, email Carol
Nelson at nelson@myonline
chamber.com. The supplement is available by mail in a printed version, via
email in an Acrobat Reader format
and is available in the members-only
section of the Chamber’s web site,
www.myonlinechamber.com.
10 Year Anniversary
ABLE Machine Tool Sales, Inc.
Advertising Club of Western MA, The
Compleat Communications
Point Software, Inc.
Westbank
15 Year Anniversary
Robert H. Aseltine, Professional Land
Surveyor
N.E.P.M.-New England Promotional
Marketing
25 Year Anniversary
Cooley, Shrair P.C.
Maybury Material Handling
Skoler, Abbott & Presser P.C.
Themistos & Dane, P.C.
Nominations Sought for
Annual Super 60 Awards
President
Joe Roy, Mass Municipal Wholesale
Electric Company
First Vice President
David Hayes, Focus Business
Systems
Clerk
David Richer, HEALTHSOUTH
Past President
Pam Tardiff, AdVice
Directors
Benta Alves, Westbank
Carla Alves, Woronoco Savings Bank
Susan Baldwin, Charter One Bank
Paul R. Blomerth, D.C., Ludlow
Chiropractic Office
Andy Boyea, Lil’ Dogs Screen
Printing/Embroidering/Soccer Camps
Kim Brushci, Brushci Brothers, Inc.
Gloria Faria, Chicopee Savings Bank
Lina Fernandes, Banknorth
Betty E. Landry, Fancy Feet Plus
Manuel A. Leitao, Leitao Insurance
Maria Midura, Hanson Jewelers
Michael C. Mislak, Michael C.
Mislak Photography
Michael O’Rourke,
Belmont Driving School
John Pedro, John Pedro Real Estate
Associates
Atty. William Rooney
Walter Seifert, Western
Tony Tavares, Villa Rose
Advisors
Joan Burkot
Helen Garrow, Board of Selectman
T
he Affiliated Chambers of
Commerce of Greater
Springfield, Inc. is seeking nominations for its annual Super 60 awards
program sponsored by United Bank,
ACCGS President’s Partner
ConnectiCare/CIP, and ACCGS
Media Partner WWLP TV 22.
The program, entering its 15th
year, celebrates the success of the
fastest growing, privately owned
businesses in the region which continue to make significant contributions to the strength of the regional
economy.
Each year, the program identifies
the top companies in revenue
growth and total revenue. Last year,
the Super 60 honorees combined for
$730 million in revenue in the past
fiscal year with a majority of companies exceeding $18 million in
sales, and saw an average growth in
revenue of 80%.
Companies may be nominated by
financial institutions, attorneys,
accountants or be self-nominated.
To be considered for a Super 60
award, businesses must be independent and privately-owned and based
in Hampden or Hampshire County
or be a member of the ACCGS, produce revenues of at least $1 million
in the last fiscal year, and be in business for at least three full years.
Financial institutions are eligible for
the program with the revenue criteria being total asset figures.
Nominees must submit a nomination form, which includes net operating revenue figures for the last
three full fiscal years, signed by an
independent auditor or accountant.
All financial information must be
reported under generally accepted
accounting principles and will be
held and considered confidential and
will not be released without prior
approval.
Nomination forms have been
mailed to each Chamber member.
They are also available at the
Chamber offices, 1441 Main Street,
Suite 136, in downtown Springfield.
Completed nomination forms must
be received at the Chamber offices
by Friday, August 20, 2004.
The Super 60 awards will be presented at the annual luncheon and
recognition program on Friday,
October 29, 2004 at Chez Josef in
Agawam.
For information on the nomination process, call the Chamber at
(413) 787-1555.
Chamber to
Host Customer
Service Seminar
How to Win Customers
and Reduce Lost Sales
Westfield
Chamber Hosts
June Breakfast
More than 100 business professionals were on hand June 11, 2004 for
The Greater Westfield Chamber of
Commerce 33rd Annual June
Breakfast. The breakfast sponsored by
Westfield State College Foundation,
Inc. and Pablo Nyarady, Chair, Board
of Trustees, Westfield State College,
was held at the Stanley Park pavilion.
The business group welcomed two
special guests to the community.
Steven Tocco, Chairman of the Board
of Trustees for the Massachusetts
Board of Higher Education introduced
keynote speaker Dr. Vicky Carwein,
the newly appointed President of
Westfield State College. Both speakers
talked about the positive aspects of
expanding college ties into the community. Chairman Tocco recognized
the fact that the newly opened Athletic
Center at the college was built with a
community effort. “The future of colleges and campuses will rely on communities and businesses to build a positive future for our students,” said
Tocco.
Dr. Carwein began her post as
President of Westfield State College on
June 1, 2004 and has already committed to participating in the community
and becoming an active business advocate for Westfield. She believes
strengthening the college’s ties within
the community will be as important in
her role as any other will. Dr. Carwein
stated she looks forward to meeting
with and working with city officials,
businessmen and woman and the citizens of Westfield.
For information on Westfield
Chamber events visit the Events calendar at www.myonlinechamber. com or
contact Jeff Daley, Executive Director
Westfield Chamber, at 787-1541 or by
email at [email protected].
The Affiliated Chambers of
Commerce of Greater Springfield Inc.
will present an action-packed 1/2 day
customer service seminar this fall. “A
Passion for Service® (How to Win
Customers and Reduce Lost Sales) will
be held October 14, 2004 at the
Springfield Sheraton. This seminar will
provide proven strategies and techniques to help your business.
Customer service expert Bill Drury,
who has delivered over 1000 seminar
presentations in the last 15 years, will
present the seminar. Drury will cover
topics such as: Who really signs your
paycheck; Stay motivated; Make a
great first impression; Create a vision
for service; Communicate respect to
every customer; Personalize your service; Listen; Handle the irate customer;
Overcome stress and burnout; and
Handle the ten most difficult customers.
For your convenience two identical
presentations will be offered in the
morning and afternoon. You are urged
to register early, as seating is limited.
The seminar will be held from 8:3011:30 a.m. and again from 1:00-4:00
p.m. Reservations are $79 for one
attendee, or $69 for five or more registered. Reservations must be made in
writing and in advance. Contact
Events Manager Kathleen Plante for
more information by mail: ACCGS
1441 Main Street, Suite 136,
Springfield, MA 01103-1449; fax:
413-755-1322; or email:
[email protected].
Reservations may also be made online
at www.myonlinechamber.com.
Customer Service
Facts
• 7 out of 10 customers who
stop doing business with a company do so because of the way they
were treated on the first contact.
• 96% of unhappy customers
never complain about discourtesy,
but 91% of them will not buy
again from a business that offended them.
• 97% of all companies never
formally train employees in the
simple art of customer retention.
5
President
Barbara-Jean DeLoria,
United Cooperative Bank
Vice President
Al Bryant, H.L. Dempsey Company
Treasurer
Andrew S. Gross,
Career Group Staffing Services
Clerk
John P. A Ely,
Bozenhard, Socha & Ely
Past President
Richard Ayers,
Mount Tom Box Co., Inc.
Directors
Scott Able, Southworth Company
Marco Amato, Zampiceni Financial
Group New England Financial
Frances Appleby,
A & A Packaging, Inc.
Richard Burkhart,
Burkhart, Pizzanelli, P.C.
Tony Filipe, Westbank
Alan Goodhind,
Goodhind, Harten & Associates
Diane M. Harper,
Sullivan Paper Company, Inc.
Cindy Johnson, Fran Johnson, Inc.
Sue Nardi, Hampden Bank
Jeannine Pavlak, New England
Business Associates
Linda A. Schoenborn, Interim
Healthcare of Western Massachusetts
David Starkey, Western
David Stickles, Spherion
Andrew Touchette, Adams &
Ruxton Construction
John P. Weiss, Ormsby Insurance
Agency, Inc.
ADVISORS
Paul H. Boudo,
Paul H. Boudo & Associates, Inc.
Honorable Edward J. Gibson
Mayor, Town of West Springfield
The ACCGS Ambassadors are meeting throughout the summer to make plans for the 2004 -2005 season. A new networking
event (look for details next month) as well as a new member orientation is in the planing process. Art Jasper, Chairman of the
Ambassadors Committee is always seeking new volunteers to work with the group. Ambassadors are responsible for calling new
members to welcome them to the Chamber and serve as mentors for them as they acclimate themselves to the Chamber.
Ambassadors are also actively involved in the ongoing retention efforts of the ACCGS. Pictured here (from left to right) Art
Jasper, Courier Express, Chairman Ambassadors, Lynn McCarthy, Sprint PCS, Youssef Fadel, N.E.P.M., Pam Tardiff, Junior
Achievement of Western Mass, Michael Buckmaster, Charter One Bank, Mary Ann Fedor, J.M. O’Brien & Company, P.C.,
Donna Safford Fleury, Vinson Associates, Steve Buynicki, Cyber Exchange, and Pam Chesbro, Broadway Office Interiors. (not
pictured) Ira Wettenstein, Resavue Exhibits, Peter Guindon, H.L. Dempsey Company, Allison Ebner, United Personnel Services,
Sandra Hoffstetter, Hampton Inn Chicopee, Barbara Perry, Reminder Publications, and Linda Schoenborn, Interim Healthcare
of Western Mass. Staff Photo.
C
ELEBRATING
Banknorth to Expand
Massachusetts Franchise
Banknorth Group, Inc. recently
announced it has entered into a definitive agreement with BostonFed
Bancorp, Inc., the parent company of
Boston Federal Savings Bank, to
acquire BostonFed in a transaction
valued at approximately $195 million.
BostonFed, with $1.7 billion in assets
and $1.2 billion in deposits, has 16
branches in Middlesex, Norfolk, Essex
and Suffolk Counties, Massachusetts.
After completion of this transaction,
Banknorth will have 161 branches in
Massachusetts.
Cambridge Credit Receives
Award
Cambridge Credit Counseling
Corp., a nationwide provider of credit
counseling, educational assistance and
budget planning services, recently
announced that it has received a Gold
Medal Award from Junior
Achievement of Western
Massachusetts for its long-standing
commitment to educating youth on
the importance of good financial management. The Gold Medal Award recognized Cambridge Credit’s contribu-
6
O M
UR
tions to Junior Achievement in 2003.
In addition to monetary donations,
Cambridge Credit offers its expertise
and provides the curriculum for classroom sessions to educate Junior
Achievement students in Western
Massachusetts on personal finance and
debt management.
WMECO Debuts Zero
Energy Home
Western Massachusetts Electric
Company (WMECO), in partnership
with the United States Department of
Energy (DOE) and Steven Winter
Associates, Inc., has debuted a zero
energy home in Hadley. The home,
owned by Jack Cjackowski and Claire
Carlson, is the focus of a unique initiative to study the potential for a selfsustaining home, as part of the DOE’s
Building America Zero Energy Home
program. The two-story, four-bedroom
custom designed home demonstrates
energy-efficient construction, a solar
electric system, a solar hot water system, energy-efficient appliances and
lighting, fossil fuel heating equipment
and ideal solar orientation – all of
which lead to lower energy demands
and reduced environmental pollutants.
S
EMBER
While most research to date has studied energy efficiency features as separate parts, WMECO is one of the first
utility companies in the country to
bring together all the various energysavings components in an effort to better understand how they work together
and the collective energy and environmental savings they can provide.
Monitoring devices are strategically
placed throughout the home to continuously monitor humidity, temperature
and comfort levels, as well as transmit
data at 15-minute intervals, which will
be compiled for research purposes.
ECS Named Hot Firm Again
Environmental Compliance Services,
Inc. (ECS) is pleased to announce they
have been named to The Zweig
Letter’s Hot Firm list for the fourth
consecutive year. The annual national
survey identifies the 100 fastest-growing architecture, engineering, planning,
and environmental consulting firms in
the United States. ECS moved up 11
spots from last year to land at number
29 on the 2004 list. Headquartered in
Agawam, Massachusetts, ECS is a
200-person environmental consulting
Chair
Ronald L. Cherubin,
Life Care Center of Wilbraham
First Vice Chair
Maura Tobias,
Friendly Ice Cream Corporation
Treasurer
Joseph Lawler, Gaudreau Group
Insurance & Financial Services
Agency
Clerk
Janet Murphy, Wilbraham &
Monson Academy
Immediate Past Chair
Elissa Langevin, Hampden Bank
Directors
Trant Campdell,
M.T. Campbell, Esq.
Thomas Crochiere, Collins-Crochiere
Construction Services, Inc.
Art Ferrara, Landmark Realtors
Kathie Forest,
Bliss Yoga of Wilbraham
Elaine Korhonen, CPA
Tom Manzi, A.G. Edwards & Sons
Skip Matthews, Louis & Clark Drug
Terry Nelson, Terry Nelson
Consulting Services
Regina Perry Abbott, Soja & Abbott
Barbara Perry, Reminder
Publications, Inc.
Kathryn Selvia, New England
Promotional Marketing (NEPM)
Rory St. Lawrence, Rediker
Software, Inc.
Donna Stone, Monson Savings Bank
ADVISORS
Caroline Cunningham, Wilbraham
Public Access
Stoughton Smead, Motorace
MESSAGE
FROM THE
PRESIDENT
Hampden/Wilbraham Chamber Supports Members,
Community with Programs, Funds
Ron Cherubin, Life Care Center of
Wilbraham
our Hampden/Wilbraham
Chamber is hard at work preparing for a number of annual events and
ongoing member offerings such as the
Small Business Roundtable. I chair our
Golf committee, and we are working
hard to match the success of last year’s
inaugural event! The 2nd Annual Golf
Classic will be held at the Country
Club of Wilbraham on October 1,
2004. The Chamber presents all proceeds from this tournament to the
Minnechaug Regional High School
Entrepreneurial Program, which pro-
Y
vides a wonderful business foundation
for young entrepreneurs.
Last year, we presented a $4,500
check to the Youth Entrepreneurial
Scholars (Y.E.S.) Program. The Y.E.S.
Program is run in collaboration with
Springfield Technical Community
College’s Entrepreneurial Institute, the
Public School Systems of Western
Mass., and the National Foundation
for Teaching Entrepreneurship
(NFTE). The program provides students the opportunity to learn the
skills necessary to start and maintain a
small business, teaching children the
Last year, we
presented a $4,500
check to the Youth
Entrepreneurial
Scholars (Y.E.S.)
Program.
Continued on page 8
7
HW Chamber
Supports
Members,
Community
Continued from page 7
foundation of what it takes to
become an entrepreneur. The
Chamber’s donation was used for
textbooks, computer upgrades, educational trips to New York City’s
wholesale district, as well as scholarships for entrepreneur students.
You can see why we want to meet
and exceed last year’s success,
because this is a great event for a
great cause! Several sponsorship
opportunities are available. The cost
of a foursome is $400. Please contact Affiliate Coordinator Sylvia
Poole at 755-1318 for more information on these opportunities and
foursomes.
Our annual Legislative Breakfast,
which is a perfect opportunity to
hear from our area legislators and
what they are working on for us,
will be held November 5, 2004,
with the location still to be determined.
Our Small Business Morning
Roundtables are held monthly. Over
the past several months, we’ve
added guest speakers, such as the
MCAD Commissioner Cynthia
Tucker and Edward Miga, Director
of Wilbraham Department of Public
Works to the successful program to
share ideas and address issues of
interest. The Small Business
Morning Roundtable is held on the
third Thursday of each month from
8:00-9:00 a.m. at the Wilbraham &
Monson Academy, Lak Dining Hall,
and there’s no charge to attend. The
next roundtable will be held on
Thursday, August 19, 2004. The
speaker will be John Sternala,
Director of Information Technology
for the Town of Wilbraham. He will
be discussing the Town’s web site
and what the business community
would like the web site to contain.
As you can see, the Hampden/
Wilbraham Chamber of Commerce
has an exciting future, and we look
forward to working with member
businesses to grow and strengthen
our business community.
July Small Business Morning Roundtable: pictured (left to right) New H/W Chamber member Kelly McAlary,
Building Inspectors of America; Karen White, of host Wilbraham & Monson Academy, and Ron Cherubin, HW
Chamber Chairman, Life Care Center of Wilbraham. Staff photo.
Hampden/Wilbraham Community
Hampden is a rural New England village
located only 10 miles from Springfield.
Residential, single family homes nestle among fields,
forests and hills. Hampden is home to Laughing Brook
Education & Wildlife Sanctuary, a Massachusetts
Audubon Society managed environmental education
center. Hampden has a healthy arts community and
offers a spectrum of retail goods and services for its
residents. The Town of Hampden is managed through
town selectmen, an administrative assistant
and an open town meeting.
Wilbraham is a residential community which
prides itself on its many beautiful homes, large
tracts of preserved open space and orchards. It is also
home to a growing retail district along Boston Road
on its eastern border. Quality education is a major
value in Wilbraham and, in addition to a highly-rated
public school system, Wilbraham & Monson
Academy, a private residential preparatory school with
a lovely green campus, is in the center of town. The
Town of Wilbraham is managed through town selectmen, a town administrator and an open town meeting.
Municipal Offices
Town Hall
625 Main Street, Hampden, MA 01036
Phone: (413) 566-2151 • Fax: (413) 566-2010
Municipal Offices
Town Hall
240 Springfield Street, Wilbraham, MA 01095
Phone: (413) 596-8111 • Fax: (413) 596-9256
Hampden Community Profile
Population (2003) 5,225
Square Miles 19.65
Labor Force (2003) 727
Median Family Income $50,782
Median Residential Sales Price (2003) $174,900
Expenditure Per Student $6,606
Registered Voters 3,000
Wilbraham Community Profile
Population (2003) 13,726
Square Miles 22.42
Labor Force (2003) 3,979
Median Family Income $55,731
Median Residential Sales Price (2003) $269,956
Expenditure Per Student $6,606
Registered Voters 8,689
Hampden Employment Profile
Agriculture, Forestry, Fisheries 22
Government 177
Construction 62
Manufacturing 5
Trans., Comm., Utilities conf
Wholesale & Retail Trade 146
Finance, Insurance & Real Estate 28
Services 284
Total Employment 727
Average Annual Wage $28,521
Wilbraham Employment Profile
Agriculture, Forestry, Fisheries 65
Government 762
Construction 139
Manufacturing 785
Trans., Comm., Utilities 157
Wholesale & Retail Trade 886
Finance, Insurance & Real Estate 104
Services 1,081
Total Employment 3,979
Average Annual Wage $32,622
Hamdpen Tax Profile
Residential Property Taxes $17.00
Commercial Property Taxes $17.00
Industrial Property Taxes $17.00
Personal Property Taxes $17.00
Wilbraham Tax Profile
Residential Property Taxes $18.27
Commercial Property Taxes $18.27
Industrial Property Taxes $18.27
Personal Property Taxes $18.27
Statistical information compiled by the Pioneer Valley Planning Commission, the Commonwealth of Massachusetts
Municipal Data Bank and the Massachusetts Division of Employment and Training.
8
Transition Planning
President
Donna Safford Fleury,
Vinson Associates
Second Vice President
Malcolm Getz,
Belt Technologies, Inc.
Treasurer
Janice Hills, Fleet Bank
Past President
Brook Ashby, Penfield
Productions, LTD
Directors
Joseph Ascioti, Reliable Temps
Inc.
Richard V. Blomstrom, CanaryBlomstrom Insurance Agency, Inc.
Edward Borgatti, EB’s Restaurant
Atty. Alan Ferrigno, Attorney at
Law
Gina Fusick, United Bank
Chris Gagnon, Western
Michael Grandfield,
Hampden Bank
Mark Haynes,
ECSMarin Services, Inc.
Hubert McGovern, Olympic
Manufacturing Group, Inc.
Denise Moffatt, Ftiness First
Frank Palange, V & F Auto, Inc.
Alan Rogers, Defense
Investigators Group
Vicki Evans, Suddekor, LLC
Aaron Vanderhoof,
Agawam Opticians
Ken Vincunas,
Development Associates
the Homestead Declaration should be
re-filed after a refinancing transaction.
The Durable Power of Attorney
(POA) is a document that allows a
person to nominate and appoint
another individual to make financial
decisions in the unfortunate event of
Family Owned
Businesses
incapacity. This document terminates
upon death. In most situations the
POA provides for unlimited control
and access to a person’s personal and
financial affairs. It also allows sale of
real estate, access to retirement plans
and filing capacity for all necessary tax
returns. It is important to nominate
and appoint a person who has the
business experience, ability and trustworthiness to serve, as well as the time
and availability to make decisions
when necessary. There should also be
a backup person named in a POA to
allow a contingent person to serve in
the event that the principal and first
named agent are both unable to serve.
The Health Care Proxy is a similar
document that allows another to make
decisions on behalf of the principal,
this time for medical purposes. Within
this document, it is important to
include specific language regarding the
principal’s wishes to be kept alive by
machines or preference to be removed
from life support if there is not a reasonable likelihood of recovery. In addition, this document should provide for
specific desires such as organ donorship or wishes to include specific
funeral arrangements and burial
instructions. Again, the nominee
should have the ability and time to
make informed decisions and should
also be aware of any particular issues
regarding the principal for whom he
or she will be making decisions. Since
this document will likely be executed
during an emotional time, and the
designee will likely be a close family
member, it is important that the
designee understands and respects specific wishes, so his or her personal
preferences do not interfere.
A Will becomes effective only upon
the death of its creator. In essence, a
Will nominates and appoints an executor to make all necessary decisions and
carry out its terms upon death. The
Executor’s job includes marshalling
and providing a listing of all assets to
be distributed as well as filing the necessary tax and probate forms in order
to effectuate the distribution of the
deceased individual’s property. This job
should be considered very seriously, as
it is normally not a benefit to serve in
this capacity, but may be considered
more of a responsibility and often
times a liability.
Within a Will, one makes distribution of his or her assets, which may
include stocks, bonds, real estate, bank
accounts, and other assets, which may
include closely held business stock or
interest in a partnership or corporation. It is important to keep in mind
that assets solely in the decedent’s
name will pass through probate, and
thus through the Will. Most retirement
plans, including 401(k) plans and individual retirement accounts, retirement
plans, and other assets that may be
jointly held, will not pass through probate, but rather to the surviving joint
owner or to the named beneficiary
under that particular account.
Therefore, it is important to pay attention to the titling of assets and possible
re-titling of assets once an estate plan
has been completed. If not, the documents may be properly drawn, but the
effectiveness of them will be negated
by the improper titling of assets which
may result in the assets not passing
pursuant to the terms of the Will.
A Trust is an additional document
often utilized in an estate plan. Several
different forms of Trusts may be utilized, the most common being a
Revocable Living Trust. This provides
for assets to be either distributed upon
death or to be administered and held
in Trust for the benefit of various beneficiaries until the time the Trust creator determines the assets should pass
to the beneficiaries, which may include
friends, family, and charities. Various
alternatives are made in these situations. Sometimes funds are left to be
distributed to children at specific ages
and amounts, or possibly funds may be
held in trust for the benefit of a child
for his or her lifetime, with ultimate
distribution made to grandchildren
upon certain ages.
Within a Trust document, there may
also be language specific to tax issues
in order to preserve one’s available
Federal and Massachusetts Estate Tax
credit. Each individual has an exemption or lifetime credit available to them
regarding distribution of assets upon
Business as
Usual For
HW Small
Business
Roundtable
I
t’s business as usual for the
Hampden/Wilbraham Small
Business Morning Roundtable series,
which takes no summer breaks, meeting each month on the third Thursday.
On July 15th, Debra Boronski, Senior
Vice President, ACCGS, was the guest
speaker, presenting “Work the
Chamber, so the Chamber Works for
YOU! Each month guest speakers are
invited to share ideas and address
issues of interest.
The Roundtables are held from
8:00-9:00 a.m. at the Wilbraham &
Monson Academy’s Lak Dining Hall.
Breakfast is provided, and there is no
charge to attend. The next roundtable
will be held on Thursday, August 19,
2004. John Sternala, Director of
Information Technology for the Town
of Wilbraham will be the guest speaker. For more information on the
Hampden//Wilbraham Small Business
Roundtable Series, call Affiliate
Coordinator Sylvia Poole at 755-1318
or contact her via email at
[email protected].
death. The current 2004 exemption is
$1,500,000.00 for Federal purposes
and $850,000.00 in Massachusetts.
These amounts may be left to any person other than a spouse and qualify
for the exemption.
One potential trap for the unwary
with regards to estate tax laws is an
unlimited marital deduction between
spouses. This means that anything left
to a spouse is non-taxable, thus
excluding the government from its
share. This unlimited amount appears
to be gratuitous, however, upon the
second death, a minimum rate of 45%
is levied. This amount is taxed on
assets already taxed during one’s lifetime. Thus the government sets a trap
for a married person with significant
assets. Upon death of the second
spouse the taxes are due in nine
months.
One may wish to make use of a
Trust to avoid huge tax penalties upon
death of the second spouse. Rather
than leaving assets to one’s spouse,
9
Transition Planning
Springfield Chamber of Commerce
President
Mary Ellen Scott,
United Personnel Services, Inc.
Treasurer
Thomas H. Themistos,
Themistos & Dane, P.C.
Clerk
Jane Albert, Baystate Health System
Past President
Gary Fialky, Bacon & Wilson, P.C.
Executive Director
Russell F. Denver, Esq., Affiliated
Chambers of Commerce of Greater
Springfield, Inc.
Directors
Carol Baribeau, Verizon
Juan Campbell, Health New England
Joseph Carvalho, Springfield Library &
Museums Assoc.
Susan Chamberlin, Banknorth, NA
Anthony L. Cignoli,
A.L. Cignoli Company
Joseph Collins, Collins Electric
Nancy Creed, Western Massachusetts
Electric Company
Atty. Robert Cunningham,
Robinson Donovan, P.C.
Gary Czelusniak, Banknorth Insurance
Kerry L. Dietz,
Dietz & Company Architects, Inc.
Stephen A. Dinoia, Eastern Advertising
Novelty, Inc.
John Doleva, Naismith Memorial
Basketball Hall of Fame
Herbert Dotterer, Big Y Foods, Inc.
John Driscoll, Driscoll Photography
James C. Duda, Bulkley, Richardson and
Gelinas, LLP
Bruce Eger, Westfield Bank
Rocco J. Falcone, Rocky’s Hardware, Inc.
Susan Fenelon Kerr,
Sisters of Providence Health System
Daniel Flynn,
The Bank of Western Massachusetts
Atty. Ellen Freyman, Shatz, Schwartz and
Fentin, P.C.
Sally C. Fuller, United Cooperative Bank
Kathryn Gibson, The MacDuffie School
Douglas Guthrie, Comcast
Stuart Hurwitz, Springfield Civic Center
Milton Jacobs,
Safety Solution Consultants, Inc.
Art Jasper, Courier Express, Inc.
Dr. Prasad Kilaru,
pringfield Anesthesia Service, Inc.
Debbie King,
Springfield Enterprise Center
Bruce Landon,
Springfield Falcons Hockey Club
Leslie Lawrence, TSM Design
Elizabeth Loughran, Center for Human
Development, Inc.
Dale Lucy-Allen, Springfield College
Douglas Macmillian, Macmillian & Son
Gary Martinelli,
Gary E. Martinelli & Associates, P.C.
Judith Matt, Spirit of Springfield, Inc.
Joel Morse, The Republican
Gary J. Moskal,
Frank Moskal Insurance Agency, Inc.
John M. O’Brien,
O’Brien & Company, P.C., J.M.
Paul C. Picknelly, Sheraton Springfield
Evan Plotkin,
Samuel D. Plotkin & Associates
Atty. Arthur W. Price,
Arthur W. Price & Associates, P.C.
Arlene Putnam, Eastfield Mall
Fred Steinman, WWLP-TV 22
Kathy Tobin, WGGB-TV News 40
Timm Tobin, Tobin Systems, Inc.
Mark Tolosky, Baystate Health System
Mary Walachy,
Irene E. & George A. Davis Foundation
Glenn Welch, Hampden Bank
Victor Woolridge, David L. Babson Co.
10
thus qualifying him or her for the
unlimited marital deduction, assets are
left in a Trust for the benefit of the
spouse, who has a right to income and
a portion of the principal on an annual basis for his or her lifetime. By leaving them to an entity other than the
spouse, assets do not qualify for the
unlimited marital deduction, and they
are then taxed in the estate of the first
to die. Thus upon the second death,
the assets in the Trust, hopefully with
appreciation, will pass to the next generation without any estate tax liability.
When a business owner has specific
assets and business real estate, it is
again important to add additional language within certain documents to
provide for a continuation of the business if desired. The principal may
determine that the person nominated
to serve for normal transactions in the
POA should not be the same person
who should be attending to the closely
held business decisions. In this event, a
separate POA may be established to
provide for these business interests,
which will be administered and kept
separately from the normal course of
business of the principals and the personal (non-business) assets.
Similarly, the selection of an
Executor who will attend to the disposition of various assets, which may
include the continuation of a business,
throughout the administration of the
estate, should also be considered. This
may be an opportunity to name a corporate fiduciary or co-executors to
serve under the Will in order to facilitate and administer both business and
non-business assets.
Additionally, the person or entity
serving as the Trustee of the Trust
should also be deemed to be appropriate to handle the continuation and
management of the Trust during the
lifetime of the beneficiaries, and
before the business is liquidated, sold
or transferred to the next generation.
Whether a first, second, or successor generation of closely held business
is being considered to be transferred
by estate planning techniques, consideration must be given as to whether
the transfer should be made during
lifetime, post death or possibly a combination of both. This requires
involvement of a professional accountant to attend to the income tax and
corporate tax issues that must be considered to minimize the tax applied
upon the transfer of the entity whether
by sale, gift, or combination of both.
Another important consideration
when discussing business planning is
the need to assure a smooth transition
of ownership in the event of an unanticipated, catastrophic event, such as
an untimely death or disability of an
owner. In such a case there is a critical
need to have proper agreements in
place to provide for a fair and equitable transition of the ownership in
the business. Closely held businesses
can employ buy-sell agreements
between their respective owners,
whether they are partners of a partnership, stockholders in a corporation,
or members of a limited liability
company.
Such agreements are effective planning and transition vehicles because
they require the estate of the deceased
or disabled owner to sell and transfer
his or her ownership interest in the
business to the remaining owners,
while simultaneously requiring the
remaining owners to purchase the
interest. This agreement also provides
that a fair and just consideration be
paid for the ownership interest being
acquired.
Funding the cost of these acquisitions under a buy-sell agreement can
be provided, in the case of death, by
maintaining relatively low-cost term
life insurance policies on each of the
business owners. Additionally, these
agreements can provide that the purchase price to be paid for a deceased
or disabled owner’s interest in the
business can be made partially from
insurance proceeds, partially from the
current cash flow of the business,
and/or partially by way of a promissory note, thereby minimizing the
impact on the day to day operations
of the business.
The resulting impact from failing to
have such a transition mechanism in
place can be dramatic. Consequences
can include ongoing disputes about
ownership, business valuation, and
payment mechanisms, which can
result in the initiation of costly and
time-consuming litigation between the
owners of the business.
The transition of a business from an
older generation to a younger generation of the family requires special
attention. Many corporate, tax, legal,
and emotional issues need to be
addressed. One of the most difficult
decisions is the senior’s consideration
for future financial security. The senior business owner may have also personally guaranteed a loan or lease of
the business, and it is important for
the succeeding business owner to
know his or her liability down the
road. In addition, a child may want
the parent to enter into a non-competition agreement, which will guard
against the parent’s future competition. Also, the parent may consider
requesting a consulting agreement,
which will provide financial security.
Additionally, an agreement may be
drawn which includes restrictions on
company stock in the event that the
child develops marital problems or
predeceases the parent.
Various succession plans may be
effectuated, and each must be
reviewed on its own merits and unique
situation. Some may be as simple as
having the parent make a gift of the
stock or partnership interest to the
child, and others may be much more
complex, as for example, the child
may wish to have more control sooner
than the parent wishes to relinquish it.
In such a situation it may be advisable
to include an outside Board of
Directors or possibly include business
managers in the strategic planning of
the transition of the business to the
younger generation. The business may
also have an advisory board if the
owners have difficulty agreeing who
should be in charge of which situation
or agreeing on designated levels of
responsibility within the entity being
transferred.
The transition of business assets
upon death is complex and potentially
costly. All business owners must take
the time to consider the implications
of their own untimely death and also
establish a plan for transition of assets
to family members. Although each situation is unique, the ultimate goal is
usually the same among business owners. Each wants his or her business
interests or assets to pass to heirs with
minimal impact upon the business
itself and in the least financially damaging means possible. Careful planning with professional counsel can
help minimize stress in an emotional
time.
Hyman G. Darling, Esquire, Chairman
of Bacon & Wilson’s Estate Planning and
Elder Law Department, is recognized as
the area’s preeminent estate planner. His
expertise includes all areas of estate planning, probate and elder law. Hyman can
be reached at 413-781-0560 or [email protected].
Gary G. Breton, Esquire, is a member
of Bacon & Wilson’s Banking and Finance
Department. His major emphasis of practice includes representation of financial
lending institutions, as well as both individual and business borrowers. He also
represents numerous business clients in the
startup, purchase and sale of businesses.
Gary can be reached at 413-781-0560 or
[email protected]
C
ELEBRATING
Greater
Westfield Chamber
of Commerce
Chair • George Koller
Noble Health Systems
Ali Salehi, Columbia Mfg.
Vacant
Treasurer • William Harmon, ,
William B. Harmon, P.C.
Clerk
Atty. Calvin Annino
Annino, Draper & Moore, P.C.
Immediate Past President
Vacant
Board Members
Col. Michael Boulanger
104th Fighter Wing- Mass A.N.G.
Roger Butler
Roger Butler Insurance Agency
Donald Byram, Wal-Mart
Dana Huff, Tighe & Bond
Rick Gaylord, Westfield Grinding
Wheel Co.
James Kaufmann
Jen-Coat, Inc.
Russ Klaubert
Air Compressor Engineering
Dr. Thomas McDowell
Westfield Public Schools
Anthony Novak
Mestek, Inc.
Pablo Nyarady, ECI
Mike Robichaud
The Ranch Golf Club
Harry Rock
Greater Westfield YMCA
Richard Stec
104th ANG Fighter Wing
Christopher Willenborg
Barnes Municipal Airport
Donald A. Williams
Westfield Bank
Joseph P. Young
WestBank
Bob Ziomek
Westfield State College
Executive Director:
Jeff Daley
continued from page 6
firm with eight additional offices
throughout the Northeast and
Florida.
Step Up Springfield
Recruits Summer
Reading Volunteers
Step Up Springfield, in partnership with Springfield Public
Schools, Springfield School
Volunteers and Springfield
Libraries; is looking for volunteers to read aloud to students
this summer at various school
summer lunch sites throughout
the city. Springfield elementary
and middle school children have
accepted the challenge to read ten
books over the summer as part of
the No Child Left Behind Summer
Reading Achievers program. The
program is taking place during
2004 Springfield Public Schools
Summer Food Service Program for
all children ages 18 and under,
Monday through Friday, June
28th – August 27, 2004.
Volunteers will spend 30 minutes
reading aloud to students during
the lunch times and will be provided with read aloud tips, a list
of books deemed appropriate for
students in grades 1 through 5
and a complimentary lunch at the
site. If interested in reading to
Springfield students, volunteers
are asked to contact Cheryl
Gorski, Campaign Manager of
Step Up Springfield, at
[email protected] or by phone at
(413) 693-0207 to receive additional information.
Thomas Carroll
Photographs on Exhibit
Thirty Years of Photography by
Thomas Edward Carroll will be
on display in the Community
Gallery of the Museum of Fine
Arts at the Quadrangle through
Sept. 30. A resident of Hatfield,
Carroll’s photos range from
Churchill, Manitoba, to Tuscany,
Italy. He shoots both unusual
landscapes and patterns in nature
that, he describes as “not quite
what they seem.” His selfimposed disciplines include taking
only one photograph of any subject and not cropping or using filters. This marks his first exhibit in
O M
UR
20 years.
In other Springfield Museum news,
you can get the latest information on
all exhibits, events, courses, and membership by visiting the Museums’ totally revamped website, www.quadrangle.org. The new site was designed by
Tortus Technologies in West
Springfield. The redesign was funded
by grants from the Frank Stanley
Beveridge Foundation, Inc., and the
Springfield Media and
Telecommunications Group. Tortus
Technologies also donated part of their
cost of preparing the site.
Westfield State Presents
Counseling and Paralegal
Certificates
The Westfield State College
Addiction Counselor Education
Program recently presented graduation
certificates for both the addiction
counseling program and the Paralegal
Certificate Program. Both programs
are conducted by the Lifelong
Learning section of the college’s
Division of Graduate and Continuing
Education. Addiction Counselor
Education certificates were presented
to 15 graduates and 11 graduates
received paralegal certificates. Dennis
Bates, a substance abuse counselor at
the Berkshire County Jail and House
of Correction delivered the keynote
address.
Jessica Simpson to Appear
at Big E
Pop music sensation and
Newlyweds star Jessica Simpson will
close out this year’s Big E on Sunday,
October 3 in one performance at 7:00
p.m. on the Fair’s Comcast Stage.
Simpson, 23, started her singing career
as a teen, making her mark in contemporary Christian music. She has
moved on to create pop hit albums,
and several television commercials, as
well as roles on television shows such
as That 70’s Show, and her own MTV
reality series Newlyweds. The Big E
takes place Sept. 17-Oct. 3. For more
information visit thebige.com.
Urban League Bestows
National Honor
The Urban League recently inducted
40 Springfield youth into the National
Achievers Society (NAS), which is an
offshoot of the Campaign for African
American Achievement. Students of
S
EMBER
color between the ages of 12 and 18
are nominated annually in one of three
separate categories: Achiever— all B’s,
and no C’s; Believer— a 2.5 GPA or
higher, and community involvement;
and, Contributor— community
involvement.
Ranch Golf Club Encourages
Daughters to Experience
Golf
The Ranch Golf Club, site of this
year’s ACCGS Annual Golf
Tournament, recently took a week to
promote golf to girls. “Take Your
Daughter to the Course Week”
encouraged parents to take their
daughters to the course to experience
the game. The National Golf Course
Owners Association, in cooperation
with EWGA, LPGA-USGA, and Golf
for Women, organized the event.
Single Search Matches
Values and Mission
Single Search Western Mass Dating
and Matchmaking Service is celebrating its second anniversary by matching
the company’s values with its mission.
Single Search is offering a special summer give-away of a one-year’s membership for only $35 in the hope that
more people will become involved
with the service. Single Search also has
a goal to transition into a 501-(c) (3)
non-profit organization that provides
a valued community service. For more
information contact Lanie or Bud
Delphin at 413-665-3218 or visit
[email protected].
BRP/Grenier Financial
Services Announces New
Location
Patricia Grenier, BRP/Grenier
Financial Services, formerly Grenier
Baker & Assoc., Inc., announces her
company has moved its office location.
Previously located at 1331 Main
Street, on the 4th floor, the company is
now in the Banknorth building at
1441 Main Street, Suite 1050.
Center for Business &
Technology to Offer StepParenting Course
The Center for Business and
Technology at Springfield Technical
Community College (STCC) has
announced that Nancy Kotowitz, the
11
C
ELEBRATING
AFFILIATED
CHAMBERS OF
COMMERCE
OF GREATER
SPRINGFIELD, INC.
PRESIDENT’S
PARTNERS
DIRECTOR’S
PARTNERS
author of the book Step-Parenting
101: The Crash Course for
Stepparents, will be teaching a noncredit, evening course on stepparenting at the College. Nancy has lived
through the trials and tribulations of
step parenting and will introduce participants to a step-by-step method for
effectively dealing with the challenges
of step parenting. Common pitfalls
and proven techniques will be shared
with the goals of helping you to not
only survive but even enjoy step parenting. This program is appropriate
for stepparents, therapists, and family
therapists and application has been
made for continuing education credit
for re-licensure. Applications are now
being accepted. For more information
call 413-755-4225 or 755-4502 to
request a detailed brochure.
Springfield Day Nursery
Calls for Award
Nominations
MEDIA PARTNERS
The Springfield Day Nursery is calling for nominations for its third annual Work/Life Balance Award, presented in conjunction with the Springfield
Area Council for Excellence (SPACE)
Pioneer Valley Business Excellence
Award. The Work/Life Balance Award
recognizes area companies for their
efforts to assist employees in balancing work and life. Local companies of
every size and service with a proven
track record of developing and implementing strategies to support the
work/life balance of employees are
encouraged to apply. Interested companies are asked to contact Kimberly
Lee, Vice President of Advancement,
at 732-5183, x117 or [email protected].
Western New England College and
MassMutual Life Insurance
Companies are both past recipients.
S
O M
UR
EMBER
Promotions,Additions &
Honors
Bacon & Wilson, P.C. announces
that partner Gary Fialky received an
award from the Massachusetts Bar
Association for exemplary community
service work in western
Massachusetts.
Bay Path College recently elected six
new trustees and a new Board Chair.
The new trustees include Frank
Bifulco, Jr., Hasbro Games, Martin M.
Caine, CPA, Wolf & Company, P.C.,
Michael R. Matty, CFA, D.J. St.
Germaine, Judith Wilkinson Reeves,
NRT Incorporated, Amanda
Dambrouckas, STANPAK Systems,
Inc., and Karen L. Glaser, The
Mortgage Place, Inc. Dr. Enzo
DiGiacomo, is the new Board Chair.
Carlson GMAC Real Estate
announces Marilyn Ghedini, manager
of the Springfield office, has been
named the 2004 REALTOR® of the
Year by the REALTOR® Association
of Pioneer Valley, Inc.
Robert Martin of Westfield, dean of
undergraduate studies and associate
vice president for academic affairs at
Westfield State College has begun a
new position as vice president of
Academic Affairs at Framingham State
College.
The World Affairs Council of
Western Massachusetts announces
Michael Buckmaster, Charter One
Bank, Angelica Deaton, Longmeadow,
Ronnie Leavitt, Ph.D., University of
Connecticut, and Wenda Restall,
LICSW, Longmeadow, have joined the
Board of Directors.
Wolf & Company, P.C., Certified
Public Accountants and Business
Consultants, announces Ryan Gorman
has been promoted to Audit Super-
visor and David Flebotte to Tax
Senior. Additions to the Firm include
Jean-Pierre Lapointe, who joins the
Audit staff, and Steven LeBlank, who
is the newest addition to the
Commercial Tax Department in the
Boston office.
The Association for Community
Living recently recognized Alfred L.
Griggs, Eleanor Rose and Janice Rose
as 2004 Partners in Philantrhopy.
Banknorth Group, Inc. has named
Senior Vice President Jeff Nathanson
as its new Director of Investor
Relations and Corporate
Communications.
Western New England College
School of Law announces William G.
Childs and Adele M. Morrison have
been named to the faculty.
Sora Technologies, celebrating its
one year anniversary, announces
President John A. Kasparian has been
appointed by the Board of Selectmen
to serve on the East Longmeadow
Cable Access Television Board.
The Pioneer Valley Planning
Commission announces Andrew B.
McCaul and Kimberly J. Stearns have
joined the PVPC as Transportation
Planners.
Members, share your good news
with fellow Chamber members.
Add Chamber Channels to your
press list:
Editor, Chamber Channels
Affiliated Chambers of
Commerce of Greater
Springfield
1441 Main Street, Suite 136
Fax: 413-731-8530
Email: [email protected]
Special Coupon
NO EXPIRATION
The World’s #1 Computer Service Network
Over 300 offices worldwide!
We Come to Your Home or Office
(413) 782-6045
www.ctsdp.com
Call
To be added to our email list for our newsletter and special promotions,
send your request to [email protected]
12
25% off labor on your first on-site computer
service (excludes specials).
• Repairs
• Internet Setup
• Training
• Networks
• Virus Repair
Some of our services include:
UPGRADES:
Add more Memory
Add a CD Burner
Serving the IT Needs of Small Businesses
A
FFILIATE
N
EWS
Ludlow Chamber Awards Four Scholarships
President
Ken Spafford, Spafford Leasing
Associates
Shirley Herrick, Herrick Electric
Dawn W. Starks, Acres Power
Equipment Co.
Treasurer
Kristi Reale, Meyers Brothers,
Kalicka, P.C.
Clerk
David Leslie, Glenmeadow
Retirement Community
Past President
Foy Miller, United Bank
Directors
Rev. David Brown, First Baptist
Church
Susan Dominick, Hampden Bank
Michael Flynn, Hampden
Engineering Corporation
Liz Gosselin, LENOX
Steven Graziano, Veritech
Corporation
Tammy Hanna, Woronoco Savings
Bank
Barbara Knight, WSI Internet
Consulting & Education
Ainsley McGill-Gaboury, McGill
Hose & Coupling, Inc.
Thomas Morrissette, RE/Max
Teamwork
Barbara Perry, Reminder
Publications
Greg Pytka, Hasbro Games
Debra Taylor, Coldwell Banker
Residential Brokerage
Thomas J. Tubman, Carlin
Combustion Technology, Inc.
Tyler Young, W.F. Young, Inc.
Edward Zemba, Robert Charles
Photography
Advisors
Dr. Edward Costa, East
Longmeadow Public Schools
Joseph F. Dilk, Sr., Connecticut
Valley Artesian Well Company, Inc.
Leon Gaumond, Town of East
Longmeadow
John F. Maybury, Maybury Material
Handling
Lavada Munoz, The Republican
The Ludlow Chamber of Commerce
recently awarded scholarships to four
Ludlow High School seniors.
Applicants were judged on academic
performance, extracurricular activities,
community service and/or work experience. In addition, the Selection
Committee interviewed each applicant. Recipients, Alexander Simao,
Jeffrey Riberio, Kaitlyn LaRiviere,
and Shana Marie Santos will be
attending College of the Holy Cross,
New York University, Boston
University, and the University of New
Haven respectively.
The Selection Committee was cochaired by David Richer, CEO of
HEALTHSOUTH Rehabilitation
Hospital and Maria Midura. Other
members were William Rooney, Sr.,
Gloria Faria, Chicopee Savings Bank,
Lorri Ostrowski, Double D Dairy Bar,
and Tony Foranzo.
Each year, the Ludlow Chamber
sponsors the “Golf for Kids”
Tournament. Proceeds from the tournament benefit Chamber education
programs including scholarships,
career search programs and banquet
and financial support of Junior
Achievement in Ludlow schools. This
year’s 11th Annual Ludlow Golf for
Kids Tournament will take place on
Monday, September 20th at the
Ludlow Country Club.
For information on the “Golf for
Kids” Tournament and other Ludlow
Chamber events visit the Events
Calendar on the Chamber’s website at
www.myonlinechamber.com or contact Sylvia Poole, Affiliate
Coordinator at 755-1318 or by email
at [email protected].
Each year, the Ludlow
Chamber sponsors the “Golf
for Kids” Tournament.
Proceeds from the tournament
benefit Chamber education programs including scholarships,
career search programs and
banquet and financial support
of Junior Achievement in
Ludlow schools.
1st row - William Rooney, Sr. Kaitlyn LaRiviere, Jeffrey Riverio, Shana Maria
Santos, Maria Midura, Lorri Ostrowski, Gloria Faria, 2nd row – Alexander
Simao, Tony Foranzo, David Richer. Staff photo.
Westfield Chamber Business Symposium
O
n Friday June 25, 2004 over 60
Greater Westfield Chamber members gathered in City Council
Chambers at City Hall for the Greater
Westfield Chamber of Commerce first
annual Westfield Business Symposium.
Westfield Chamber Executive Director,
Jeff Daley stated, “it serves as an
opportunity for collaboration between
the businesses of Westfield, business
leaders and our local government officials. The focus of the symposium was
towards creating, developing and
growing businesses in Westfield.”
Guest speakers included Mayor
Richard Sullivan, who discussed businesses that are exploring the possibilities of coming to Westfield. “There are
a number of retail businesses and
restaurants exploring the possibility of
coming to Westfield. It is a very exciting time in Westfield, a lot of good
things are happening,” said Sullivan.
The featured speaker for the symposium was Jeff DeMarco, a partner
with Campanelli Companies, a private
business park developer from
Braintree, MA. which recently purchased a parcel from the former Toys
“R” Us off of Servistar Industrial Way.
DeMarco said that they are looking
at several different scenarios to develop the business park. “We are looking
at a “big box” scenario which would
be one very large building and three or
four smaller buildings. Also we are
looking at as many as 12 buildings.
We have about 1.5 million square feet
of building space,” said DeMarco.
Daley closed the symposium with
updates on the Chamber and its plans,
including establishing a BID (Business
Improvement District) in downtown
Westfield.
“Westfield is going through a positive and exciting time and there will be
many great things that will be generated from everyone’s labors,” said Daley.
Lastly he announced plans to hold
at least one symposium a year in conjunction with the Chamber’s Annual
Meeting.
See story abourt Westfield Chamber
Breakfast on page 4.
“There are a number of
retail businesses and restaurants exploring the possibility
of coming to Westfield. It is a
very exciting time in Westfield,
a lot of good things are happening,” said Sullivan.
13
14
CHAMBER EVENTS CALENDAR
August
2
East Longmeadow/Longmeadow Golf
Tournament at Elmcrest Country Club,
Registration at 11:30 a.m., Shotgun Start at
12:45 p.m.
4
Agawam Golf Tournament, Oak Ridge
Country Club, Registration at 10:30 a.m.,
Shotgun Start at 12:00 p.m.
10
Ludlow Chamber Board of Directors Meeting,
Charter One Bank, Ludlow, 8:00 – 9:00 a.m.
18
Westfield Board of Directors Meeting, Noble
Hospital, Westfield, 8:00 – 9:15 a.m.
19
Hampden/Wilbraham Small Business
Roundtable, Wilbraham/Monson Academy,
8:00 a.m.
•
ACCGS Executive Committee Meeting, EDC
Conference Room, 12:00 p.m. – 1:30 p.m.
24
Agawam Chamber Board of Directors Meeting,
Captain Leonard House, 7:15 a.m. – 9:00 a.m.
25
Women’s Partnership Board Meeting, EDC
Conference Room, 8:00 a.m. – 9:00 a.m.
10
ACCGS Legislative Steering Committee,
Banknorth Conference Center, 8:00 a.m.
14
Ludlow Chamber Board of Directors Meeting,
Charter One Bank, 8:00 a.m.
•
Table Top with Chicopee & Holyoke
Chambers, Castle of the Knights, Chicopee,
4:30 p.m.
ACCGS Breakfast, Log Cabin Meeting &
Banquet House, 7:30 – 9:00 a.m. $15 members, $20 non members.
7
East Longmeadow/Longmeadow Chamber
Board of Directors Meeting, Lenox, 8:00 a.m.
•
Springfield Chamber of Commerce Board of
Directors Meeting, Banknorth Conference
Center, 12:00 p.m.
8
ACCGS After 5, The Ranch Golf Club, 5:00 –
7:00 p.m. $5 members, $10 non members.
requested each Chamber’s Board
make recommendations for spe-
Westfield Board of Directors Meeting, Noble
Hospital, Westfield 8:00 a.m.
•
Affiliate
Networking
Women’s Partnership Meeting, Best Western
Sovereign, 11:30 a.m. Cost $15.
16
ACCGS Board of Directors Meeting,
Banknorth Conference Center, 8:00 a.m.
•
Hampden/Wilbraham Small Business
Roundtable, Wilbraham/Monson Academy,
8:00 a.m.
17
Agawam Breakfast, Oak Ridge Country Club,
$15 Members, $20 Non Members, 7:15 a.m.
20
Ludlow “Golf for Kids” Tournament, Ludlow
Country Club, Registration at 12:00 p.m., Start
at 1:00 p.m.
West Springfield Chamber Board of Directors
Meeting, United Bank, 95 Elm Street, 8:00
a.m.
•
1
Breakfast
Club
15
21
September
Agawam Chamber Board Meeting, Captain
Leonard House, 7:30 a.m.
29
Women’s Partnership Board Meeting, EDC
Conference Room, 8:00 a.m.
30
West Springfield Chamber Breakfast, Best
Western Sovereign Hotel, 7:15a.m. $15
Members, $20 Non Members.
Westfield Annual Golf Tournament, Tekoa
Country Club, 11:00 a.m.
22
Chamber Exchange, Sheraton Springfield, 7:45
a.m.
•
Hampden/Wilbraham Board of Directors
Meeting, Hampden Bank, 8:00 a.m.
23
Agawam Business Spotlight Tour, TBA, 8:00
a.m.
24
August 19
Hampden/Wilbraham Chamber Small
Business Roundtable,
Wilbraham/Monson Academy
8:00a.m.
September 15
Women’s Partnership Meeting, Best
Western Sovereign, 11:30a.m. Cost
$15
September 16
Hampden/Wilbraham Chamber Small
Business Roundtable,
Wilbraham/Monson Academy
8:00a.m.
September 17
Agawam Breakfast, Oak Ridge
Country Club, 7:30a.m.
September 23
Agawam Business Spotlight Tour, place
tba, 8:00 a.m.
September 24
Westfield A.N.G. Breakfast, Barnes
AFB, 7:15a.m.
September 30
West Springfield Chamber Breakfast,
Best Western Sovereign Hotel,
7:15a.m.
cific salutes. “The Committee
wanted to concentrate the
ACCGS membership’s attention
within each community, giving
each Chamber the opportunity to
recognize the significant achievements of individual members,”
says Kathleen Plante, ACCGS
Events Manager.
If your company has recently
(no more than 6 months) opened
a new building, installed a new
president, celebrated a milestone
anniversary, or received national
recognition, we want to know
about it and offer you the opportunity for recognition before
300+ business peers and colleagues.
For more information regarding the Program Committee, or
Breakfast Club contact Events
Manager Kathleen Plante by
phone: 755-1313, fax: 755-1322
or email: [email protected].
Westfield A.N.G. Breakfast, Barnes AFB, 7:15
a.m., $15 Members, $20 Non Members.
28
R•S•V•P
September 1
ACCGS BREAKFAST CLUB, Log Cabin Meeting & Banquet House, 7:30 9:00a.m. $15/members, $20/nonmembers. No.
Attending____Total_____
September 8
ACCGS AFTER 5, The Ranch Golf Glub. 5:00 – 7:00 p.m. Members $5.
Non-Members $10.
September 14
ACCGS Table Top with Chicopee & Holyoke Chambers, Castle of the
Knights, Chicopee • 4:30 - 7p.m. $5/attendance • $75/exhibit
September 15
Women’s Partnership Meeting, Best Western Sovereign Hotel & Conference
Center, West Springfield • 11:30 a.m. $15.
Registrant name(s)
______________________________________________________________________
______________________________________________________________________
______________________________________________________________________
Company Name:_______________________________________________________
Tel #:________________________ Fax #____________________________________
Address:_______________________________________________________________
Town, State, Zip________________________________________________________
Contact Name:_________________________________________________________
Check Enclosed for $___________________________________________________
Please charge this to my ___AMEX ___Visa ____Mastercard___Discover
#____________________________________________ Exp. Date_______________
Signature______________________________________________________________
Return to Affiliated Chambers of Commerce of Greater Springfield, Inc.
1441 Main Street - Suite 136, Springfield, MA 01103-1449. Or FAX to 413-755-1322.
15
ACCGS Networking Events
AFFILIATED
CHAMBERS OF
COMMERCE
OF GREATER
SPRINGFIELD, INC.
After 5 Photo
Album
June 9, 2004
King Philip
Stockade
Photos by Ed Cohen
Clockwise from top: After 5 guests enjoyed a festive (though warm!) welcome summer, end-of-Chamber-season After Five at the King Philip
Stockade on the Longmeadow/Springfield line.
The Massachusetts Latino Chamber of Commerce, an event sponsor, provided live musical entertainment.
Caron LaCour, CPA, of event sponsor Themistos and Dane had a great
time helping guests complete their raffle questions.
Oops. Apologies to Kenneth C. Tichacek, Director of
Client Services, Dacon Corporation and new Chamber
Member and to Bill Trudeau, Insurance Center of
New England. Bill was identified as Ken (above left) in
our July issue. Ken Tichacek is show at right and
above, l. to right are Bill Trudeau and Ken Furst of the
Momentum Group. Photos by Driscoll Photography
Theresa Bollea of event sponsor Heritage Hall West, Genesis ElderCare
gave more than just information, handing out prizes as well.
Ken Tichacek
Walley Brown, Springfield Toastmasters International Club #6081, (right)
helped welcome new Chamber members Jackie Nicholson, owner Sandler
Sales, and her husband Dick Nicholson.

Affiliate Chambers to Shine in New Breakfast

Transcription

Similar documents

©2010 by Gospel Publishing House, 1445 N. Boonville, Springfield

the Vitaeris 320 Brochure

how to apply for a position on talent ed

Chamber of Commerce Memorial Brick flyer

the Office Depot® Lomita Chamber of Commerce Program!

Family. Comm

HR Diversity Council Brochure

Preplanning Form - Butler Funeral Homes

dusty springfield - LGBT History Month

SPIRITED DEBATE