Hh

Fitchburg State University Holds 126th Commencement Exercises, Winter Ceremony

Fsu
FITCHBURG: Fitchburg State University held the winter ceremony of its 126th commencement exercises on December 16. President Richard S. Lapidus gave the commencement address at the ceremony, where undergraduate and graduate degrees were conferred. The graduating class included students from 30 states and four countries. Lapidus highlighted stories of perseverance from the graduating class and encouraged the graduates to continue to show resilience and courage as they chart their future paths.
 
Student speakers also addressed the graduates and guests. Graduate Student Leadership Award recipient Spencer Fuller, a member of the Northborough Police Department, completed his Master of Science degree in criminal justice. He also completed his Bachelor of Science degree in criminal justice at Fitchburg State as part of the university’s five-year police program, whose graduates receive certification to work in municipal police departments in Massachusetts and other New England states. Fuller was nominated for the award by university faculty, who described his leadership skills as a mentor and role model to younger students.
 
“You can truly find success in your life when you start to see the people around you succeeding and you start finding happiness in their success,” said Fuller, who cited Fitchburg State Police Academy Director Lisa Lane MCarty as a key mentor. “She displays all the qualities that make someone a great leader: selfless acts for the benefit of others. She puts other people above herself, in order to help these people succeed.”
 
The undergraduate valedictorian was Helen “Hallie” Dyer of Westwood, who completed her Bachelor of Science degree in criminal justice, also through the university’s police program. Dyer, who had a perfect 4.0 grade point average, described the challenges of the undergraduates who navigated the disruptions of the COVID pandemic during their studies.
 
“In the months of being isolated from that community to which I had become connected, I realized just how much all my new relationships meant to me,” Dyer said. “I realized while getting through some of the most challenging transitions in my education that I am not in a vacuum; the support of my friends and family is what allowed me to be as resilient as I was. When we returned to campus, that same sense of community remained, and I made a decision that I didn’t want to forget how important it was. I realized that growth is not just academic achievement; it’s community, it’s grace under pressure, it’s overcoming adversity when challenges arise.” 
 
View the ceremony, filmed by Fitchburg Access Television, on the university’s YouTube page at www.youtube.com/FitchburgState.
 
FSU Graduation List - Summer 2022

Acton
- Nicole  Florio, BS - Nursing, RN to BS
- Pramila  Rao, BS - Nursing, RN to BS

Bolton
- Mark  J. Rodriquenz, MED Curriculum & Teaching

Chelmsford
- James H. Briere, BS Communications Media
- Christopher  T. Ersing, MBA Business Administration
- Nicholas  D. Rand, MED Curriculum & Teaching

Hudson
- Kevin  Yarkosky, MED Curriculum & Teaching

Maynard
- Samantha  L. Cutler, MED Curriculum & Teaching

Pepperell
- Lisa  Nogueira-Fei, BS Nursing, RN to BS

Shirley
- Yeoun  S. Kim, BS Nursing, RN to BS
- Meghan  R. O’Neil, BS Biology
Stjs
Peer mentor and principal

Parker School Opens 2023-24 Enrollment Season

DEVENS: Francis W. Parker Charter Essential School announced the enrollment season for the 2023-2024 academic year is now open. Parker is a free public charter school open by lottery to students entering grades 7, 8 and 9. Applications can be submitted online at www.parker.school/apply until February 1, 2023. The lottery will be held on February 7, 2023 at 4pm. All application, lottery, and enrollment regulations, as outlined in the enrollment policy will be followed.

In addition, Parker has limited openings in grades 7 and 9 for mid-year entry during the current (2022-23) school year. There are no openings in grade 8 for the 2022-23 school year at this time. Applications for the current school year can be submitted online and will be accepted until January 4, 2023. If more applications are received than there are available spaces, a lottery will be drawn on January 12, 2023 at 4pm. Enrollment offers will be made with an intended start date of the first day of second semester (January 24, 2023).

Parker Charter School educates 400 students in grades 7-12 from more than 40 towns in Massachusetts. Founded in 1995, Parker is committed to the principles of progressive education—inclusive community, low student-teacher ratio, project-based learning, and promotion based on mastery of core intellectual skills. Learn more at www.theparkerschool.org. Sign up for an information session at www.parker.school/infosession.
Unnamed

Transfer Station Holiday Schedule

AYER: The following is the Ayer Transfer Station's holiday hours schedule:

Christmas
  • Saturday, December 24th, 7-11am
  • Sunday, December 25th, CLOSED
New Years
  • Saturday, December 31st, 7-11am
  • Sunday, January 1st, CLOSED

Please dispose of your wrapping paper in Town of Ayer trash bags. Christmas trees can be disposed of at the Transfer Station on regular days of operation (Ayer residents with valid vehicle stickers only.)
64d51adbf4aa15c2319f2eea013263d3

Polar Express Storytime at LPL

LUNENBURG: On December 20 at 6pm, Lunenburg Public Library's Children’s Librarian Debbie Laffond is inviting one of Santa’s favorite elves to share the holiday classic "The Polar Express" by Chris Van Allsburg with children of all ages and their families. Everyone is invited to don their pj’s, bring along a favorite stuffed animal friend or blanket and get comfortable in the Children’s Area as the story is read. Registration required at www.lunenburglibrary.org

Seasonal Wreaths at Nashoba Park

AYER: Residents of Nashoba Park got in the holiday spirit with some beautiful personalized wreaths for their apartment doors! Residents pictured engaging in this activity are Kathy Aborn, Richard Parker, Mary Bishop, and Dorothy Murphy.

FINANCIAL FOCUS: What to Know about Sustainable Investing

December 6, 2022
 
You may have heard about “sustainable investing.”  But if you're not familiar with it, you may have some questions: What does it involve? Is it right for me? Can I follow a sustainable investing strategy and still get the portfolio performance I need to reach my goals?

Sustainable investing can be defined in different ways, with different terminologies. However, one way to look at a sustainable approach is by thinking of it as investing in a socially conscious way which may involve two broad categories: environmental, social and governance (ESG) investing and values-based investing.

As its name suggests, ESG investing incorporates a broad range of environmental, social and governance risks and opportunities, along with traditional financial measures, when making investment decisions. This approach may have a neutral impact on performance because it maintains a focus on managing risk, traditional fundamental analysis and diversification. Here's a quick look at the ESG elements:

    • Environmental – Companies  may work to reduce carbon emissions, invest in renewable energy, decrease pollution and conserve water resources.
    • Social – A business  may promote gender and pay equality within its workforce, and maintain positive labor relations and safe working conditions for employees.
    • Governance – Companies distinguished by good governance may institute strong ethics policies, provide transparent financial reporting and set policies to ensure it has an independent, objective board of directors.

You can pursue an ESG investing approach through individual stocks, mutual funds or exchange-traded funds (ETFs), which hold a variety of investments similar to mutual funds, but are generally passively managed – that is, they do little or no trading. As an ESG investor, you don't necessarily have to sacrifice performance because ESG investments generally fare about as well as the wider investment universe. Some investments may even gain from the ESG approach. For example, a company that invests in renewable energy may benefit from the move away from fossil fuel sources.

Now, let's move on to values-based investing. When you follow a values-based approach, you can focus on specific themes where you may choose to include or exclude certain types of investments that align with your personal values.

So, you could refrain from investing in segments of the market, such as tobacco or firearms, or in companies that engage in certain business practices, such as animal testing. On the other hand, you could actively seek out investments that align with your values. For instance, if you’re interested in climate change, you could invest in a mutual fund or ETF that contains companies in the solar or clean energy industries.

One potential limitation of values-based investing is that it may decrease the diversification of your portfolio and lead to materially lower returns due to narrowly focused investments, prioritization of non-financial goals and too many exclusions.

Ultimately, if you choose to include a sustainable investing approach, you will want – as you do in any investing scenario – to choose those investments that are suitable for your goals, risk tolerance and time horizon.

If sustainable investing interests you, give it some thought – you may find it rewarding to match your money with your beliefs.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Mandy Calouro, Chelmsford, MA.
EdwardJones.com/Mandy-Colouro - Edward Jones, Member SIPC
Blue christmas 2021

‘Blue Christmas’ Vigil of Hope and Healing

GROTON: Union Congregational Church of Groton is hosting a community-wide ‘Blue Christmas’ service for all who find the holidays emotionally difficult. This special worship service will take place on December 18 at 6pm in the church’s sanctuary. This community event is open to all, whether you belong to this church, a different church, or no church at all.  
 
“The past few years have been difficult for so many people,” says Rev. Corey Sanderson. “The people of this church wanted to do something for the wider community to help ease some of the burdens that people are carrying. This night is our gift to the people of Groton and the surrounding towns.”

The evening will be quiet and contemplative in tone, with times of prayer, silence, poetry, and music. There will be readings from scripture, hymns to sing, music from our Handbell Choir, and the opportunity to come forward to light a candle in honor or memory of a loved one or situation.   

“What makes Blue Christmas so meaningful,” says Rev. Sanderson, “is that it helps us name the loss and grief, but it won’t let us stay there. It lifts us up and points us ahead to the hope and healing that are central in the Christmas story.”
 
People often feel pressured to ‘put on a happy face’ for the holidays. These social pressures devalue the real hurts we are experiencing. ‘Blue Christmas’ creates a safe space to honor our losses and grief, even as we are reminded that brighter days are now upon us.  The final weeks of December have the longest nights of the year, but from this point on the nights will be getting shorter and the days will be getting brighter. Light, hope, community, prayer, and healing belong to us all. 
 
“No matter who you are, what you believe, or even if you don’t believe at all, you are welcome here,” says Rev. Sanderson. “Make this a night of self-care. In the endless stress and busyness of the holiday, just come and receive and find a measure of peace.”    

Union Congregational Church is located at 218 Main Street. They can be found on the web at www.uccgroton.org and on Facebook.

The Cannon Theatre Proudly Presents "It's a Wonderul Life: A Radio Play"

Radio show cast
DEVENS: The Cannon Theatre is pleased to announce their holiday show, a 1940's radio show interpretation of It’s a Wonderful Life, in celebration of the 75th anniversary of this timeless classic. Directed by Shawn Cannon, this live radio play is based on the beloved holiday movie, with a clever twist thrown in: the story is staged as a radio broadcast, with you as the live studio audience! Actors portray numerous characters, a live quartet sings holiday tunes, and fun sound effects are created onstage by three creative Foley artists.

It’s a Wonderful Life is about the life of George Bailey, a generous and well-meaning man who has become too downcast and tired to continue living. It will take help from a lovable angel, Clarence, to show George what life would be like if he wasn’t born for George to have a change of heart and understand the true spirit of the holidays.

In the spirit of the holiday season, The Cannon Theatre will be collecting donations for Stone Soup Kitchen, a local charity based in Ayer that feeds anyone who needs a hot meal, pantry supplies, or some loving community support. Cash donations are most appreciated, but nonperishable, not-expired food items will also be accepted at the theater.

Show times are December 9 and 10 at 7:30pm, with matinees on December 10and 11 at 2pm. Tickets are available at www.thecannontheatre.org, and are $25 for adults, and $20 for students/seniors.

FINANCIAL FOCUS: Protect Financial Accounts From “Cyberthieves”

November 29, 2022
 
Cybercrime is booming. In 2021, the FBI reported that cybercriminals scammed nearly $7 billion from Americans — a figure slightly higher than the gross domestic product (GDP) of Switzerland for that year, according to research organization World Economics. How can you protect yourself from cyberthieves? Here are some suggestions that can help:
 
  • Watch out for “phishing” attempts. You may receive emails that appear to be from a legitimate firm, requesting information your financial institution would never request online — confirmation of an account number, password, Social Security number, credit card number and so on. These notes can look official, often incorporating a firm’s logo, so pay close attention to what’s being asked of you.
  • Think twice before clicking or downloading. If you are suspicious about a communication, don’t click on a link or download an attachment — instead, go to your financial firm’s website or use their app to verify they sent the information or request.
  • Become adept with passwords. Use a different password for each of your accounts and change your passwords regularly. Of course, maintaining multiple passwords can be confusing, so you might want to consider using password management software, which generates passwords, stores them in an encrypted database and locks them behind a master password — which is the only one you’ll need to remember.
  • Use your own devices. Try to avoid using public computers or devices that aren’t yours to access your financial accounts. If you do use another computer, clear your browsing history after you log out of your account.
  • Be cautious about using Wi-Fi when traveling. When you’re on the road, you may want to use public hotspots, such as wireless networks in airports and hotels. But many people don’t realize that these hotspots reduce their security settings to make access easier, which, in turn, makes it easier for cyberthieves to intercept your information. In fact, some hackers even build their own public hotspots to draw in internet-seekers in an effort to commit theft. So, if at all possible, wait until you can access a trusted, encrypted network before engaging in any communications or activity involving your financial accounts.
  • Don’t give up control of your computer. Under no circumstances should you provide remote access to your computer to a stranger who contacts you, possibly with an offer to help “disinfect” your computer. If you do think your device has an issue with malicious software, contact a legitimate technician for assistance.
  • Know whom you’re calling for help. If you need assistance from, say, a customer service area of a financial institution, make sure you know the phone number is accurate and legitimate — possibly one from a billing or confirmation statement. Some people have been scammed by Googling “support” numbers that belonged to fraudsters who asked for sensitive information.
  • Review all correspondence with your financial services provider. Keep a close eye on your account activity and statements. If you see mistakes or unauthorized activity in your account, contact your financial institution immediately.

Advanced technology has brought many benefits, but also many more opportunities for financial crimes. By taking the above steps, and others that may be needed, you can go a long way toward defending yourself against persistent and clever cyberthieves.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Preston Carbone, Westford, MA  - EdwardJones.com/Preston-Carbone, Edward Jones, Member SIPC
280660889 3111347932418958 4533117763389609110 n

Supporting Someone with a Mental Health Condition?

The Family to Family course from the National Alliance on Mental Illness (NAMI) could prove helpful to you. This is a free, evidence-based, weekly, eight-session virtual course for family members and friends of individuals living with mental health conditions. Topics include understanding the symptoms of mental health conditions, learning about treatments and therapies, practicing communication and problem-solving skills, creating a positive team approach, and self-care. Importantly, the course offers family members the invaluable opportunity of open conversation and mutual support in a stigma-free environment. The class is taught by NAMI trained family members from the local NAMI Central Middlesex affiliate. The course will meet Mondays via Zoom, starting January 16, 6-8:30pm.  Registration is required. Go to namicentralmiddlesex.org/educational-courses for additional information, the registration link, and more course offerings. To converse with one of the teachers, contact Patti at pjsardella56@gmail.com; (978) 621-1065 or Lindsay at linzbfar@gmail.com; (781) 864-7003.
Town seal 180x180 1

Information about Ayer Water

AYER: The Town of Ayer is required to monitor your drinking water for specific man-made and naturally occurring contaminants on a regular basis. Results of regular monitoring are an indicator of whether or not drinking water meets health standards. In 2021, they did not monitor and report the parameters of pH, alkalinity, and orthophosphate at locations and frequencies required by the Department of Environmental Protection (DEP). These parameters are used to evaluate the effectiveness of our corrosion control program to minimize the lead and copper concentrations at user’s taps. They have already collected, analyzed samples, and submitted results to the DEP.  For more information and to view the latest Water Quality Report, visit www.ayer.ma.us/water.

The Town first discovered the presence of PFAS, sometimes referred to as “forever chemicals,” in the drinking water in 2016. and took immediate action to minimize risk to customers and install treatment for these contaminants. They are happy to report that both water treatment facilities are now up and running. Treatment for PFAS at Grove Pond Wellfield has been in operation since November 2020 and now at Spectacle Pond Wellfield since July 2022. Since that time, water entering the system has repeatedly tested as non-detectable for these regulated contaminants and you can have confidence in the quality of your drinking water. For a history and continued updates, visit www.ayer.ma.us/waterdepartment/pages/pfas-drinking-water.
Thanksgiving

Groton Woman’s Club Offers Holiday Wreaths at 16th Annual Greens Sale

Grotonwomens
GROTON: Historic Williams Barn is filled with the wonderful scent of pine, as Groton Woman’s Club members decorated wreaths, and created centerpieces, swags, and kissing balls with the generous donation of a variety of pine and other greens from Kelly Wheatley from Shade Tree Landscaping in Ayer. The Club’s 16th Annual Greens Sale will be held at the Williams Barn, 160 Chicopee Row on December 3 from 9am-1pm. (Snow Date December 4). There will also be a Quilt Raffle along with ornaments and the favorite Holiday Cookies for sale. Proceeds from this sale go toward scholarships for students at Groton-Dunstable Regional High School, Nashoba Valley Technical High School and Francis W. Parker Charter School and other charitable organizations

PHOTO: (l to r) Greens Sale Co-Chairman Tracey Molaskey, Jude Sawyer, Greens Sale Co-Chairman Nancy Olson, Kelly Wheatley, and Pat Bennett.
Unnamed

Pirone Park Perimeter Path Holiday Decorations

AYER: Would you like to help the Ayer Parks Department decorate the perimeter path at Pirone Park this holiday season?  They would like to set up a collection of Christmas trees and snowmen along the walkway, and thought it might be a fun activity for families and individuals of Ayer jump in.  Here’s how it works:
 
  • The Parks Department will be making plywood cutouts of Christmas trees and snowmen, about 4’ tall and 2’ wide, for people to decorate. 
  • Participants can decorate their cutout any way they like, with the proviso that they use materials and techniques that will allow them to stand out in harsh conditions for a month or more.
  • Those wishing to participate can contact the Parks Department via email at parks@ayer.ma.us to reserve a cutout and set up a time to pick it up (only one cutout per family please).  The cost to participate will be $20 and you choose between a tree or snowman and be asked to give the $20 when you pick up your cutout.  You will also need to fill out a brief form with contact info. Those who participated last year and still have their trees/snowmen can use them again.
  • There is a limited supply, so once they run out, they will need to discontinue distributing them. Reserve your cutout ASAP to guarantee you will get one. Participants must return their decorated cutouts by December 1st.  The Parks Department will set up the decorated trees and snowmen once they are returned.
  • The decorations will remain up through the school holiday break, then be taken down some time after that.  Those wishing to reuse their cutouts for next year can pick them up after January 8.

Join the fun!  If you have any questions, feel free to call Jeff Thomas at the Parks Department office at (978) 796-5915.
Wurlitzerpopslogo

EMCATOS / WurlitzerPops Invites You to a Holiday Party

GROTON: The Eastern Massachusetts Chapter of the American Theatre Organ Society (EMCATOS) is a non-profit organization, founded in 1956, ATOS Charter Number One. You are cordially invited to take one or more limited seats at the EMCATOS Holiday Party to be held on December 11 at 2:30 PM at the Shanklin Music Hall. This is a buffet dinner with full concert featuring Tedde Gibson. The cost is $40 per person, all inclusive. If you wish to attend, please contact Linda or Jim Duncan via email at Lindakduncan@msn.com or Jamesfduncan@msn.com no later than 5pm on December 2. Linda or Jim will contact you for confirmation.
5loaves

Habitat for Humanity North Central Massachusetts Hosts 3rd Annual Author Event

BOLTON: Join Habitat for Humanity North Central Massachusetts for their third annual author event on December 4 from 6-8pm at the First Parish of Bolton, 673 Main Street. Local author and minister Liz Magill will lead a discussion of relational ministries and transforming service projects based on her book "Five Loaves, Two Fish, Twelve Volunteers: Growing a Relational Food Ministry." The event is free. Contact diana@ncmhabitat.org to reserve your spot.

FINANCIAL FOCUS: Time for New Year’s Financial Resolutions

November 22, 2022
 
It’s that time of year when many of us promise ourselves we’ll go to the gym more, or learn a new language, or take up a musical instrument, or any number of other worthy goals. But this year, when making New Year’s resolutions, why not also consider some financial ones? Here are a few to consider:

Don’t let inflation derail your investment strategy. As you know, inflation was the big financial story of 2022, hitting a 40-year high. And while it may moderate somewhat this year, it will likely still be higher than what we experienced the past decade or so. Even so, it’s a good idea to try not to let today’s inflation harm your investment strategy for the future. That happened last year: More than half of American workers either reduced their contributions to their 401(k)s and other retirement plans or stopped contributing completely during the third quarter of 2022, according to a survey by Allianz Life Insurance of North America. Of course, focusing on your cash flow needs today is certainly understandable, but are there other ways you can free up some money, such as possibly lowering your spending, so you can continue contributing to your retirement accounts? It’s worth the effort because you could spend two or three decades as a retiree.

Control your debts. Inflation can also be a factor in debt management. For example, your credit card debt could rise due to rising prices and variable credit card interest rate increases. By paying your bill each month, you can avoid the effects of rising interest rates. If you do carry a balance, you might be able to transfer it to a lower-rate card, depending on your credit score. And if you’re carrying multiple credit cards, you might benefit by getting a fixed-rate debt consolidation loan. In any case, the lower your debt payments, the more you can invest for your long-term goals.

Review your investment portfolio. At least once a year, you should review your investment portfolio to determine if it’s still appropriate for your goals, risk tolerance and time horizon. But be careful not to make changes just because you feel your recent performance is not what it should have been. When the financial markets are down, as was the case for most of 2022, even quality investments, such as stocks of companies with solid business fundamentals and strong prospects, can see declines in value. But if these investments are still suitable for your portfolio, you may want to keep them. 

 • Prepare for the unexpected. If you encountered a large unexpected expense, such as the need for a major home repair, how would you pay for it? If you didn’t have the money readily available, you might be forced to dip into your long-term investments or retirement accounts. To prevent this, you should build an emergency fund containing three to six months’ worth of living expenses — or a year’s worth, if you’re retired — with the money kept in a low-risk, liquid account. 

These  resolutions can be useful — so try to put them to work in 2023.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor James Normington, AAMS, Westford, MA - EdwardJones.com/James-Normington. Edward Jones, Member SIPC
Unnamed
AYER: Nashoba Park Assisted Living held a Veterans Day ceremony on November 11 to thank all of Nashoba Park servicemen.  Thank you for your service,  Bob Johnson, Bob Kingsbury, Larry Monroe, Richard Parker, Carlton Noyes, and Roger Saquet!
Town seal 180x180 1

2023 Transfer Station Vehicle Stickers  Available Now

AYER: 2023 Transfer Station Vehicle stickers are available now and can be obtained in person, online, through the mail or by drop box. Options:
 
  • Mail a copy of your registration(s) and a check payable to the Town of Ayer to Ayer DPW, 25 Brook Street, Ayer, MA 01432. If you qualify for the senior fee, you must also include a copy of your license. Please include a self-addressed stamped envelope and your 2023 sticker will be mailed to you.
  • Drop a copy of your registration(s) and a check payable to the Town of Ayer in the drop box at the Public Works office at 25 Brook Street or in a drop box at Town Hall. If you qualify for the senior fee, you must also include a copy of your license. Please include a self-addressed, stamped envelope and your 2023 sticker will be mailed to you.
  • Purchase your sticker online at www.ayer.ma.us.  Click the online payment tab and select DPW. Select Transfer Station-Resident, Transfer Station-Senior or Additional Sticker and fill in all the requested information. Your residency will be verified against the Town of Ayer Motor Vehicle Excise data base. Stickers purchased online will be mailed four business days after notification by UniBank.
  • Stickers are also available at the Public Works office 7:30am to 3:30pm, Monday – Friday. Bring your vehicle registration with you. Accepted payment methods are Cash, Check, Debit/Credit Card (fees apply). Bring in proof of age if you qualify for the senior discount.
 
THE FEES FOR 2023 ARE:

RESIDENTS BELOW AGE 65: $105
SENIOR RESIDENTS AGED 65 & OVER: $60
SECOND STICKER: $30
DAY PASS: $15

FINANCIAL FOCUS: When Should You Adjust Your Investment Mix?

November 15, 2022
 
There are no shortcuts to investment success – you need to establish a long-term strategy and stick with it. This means that you’ll want to create an investment mix based on your goals, risk tolerance and time horizon – and then regularly review this mix to ensure it’s still meeting your needs. In fact, investing for the long term doesn’t necessarily mean you should lock your investments in forever. Throughout your life, you'll likely need to make some changes.

Of course, everyone’s situation is different and there’s no prescribed formula of when and how you should adjust your investments. But some possibilities may be worth considering. For example, a few years before you retire, you may want to re-evaluate your risk exposure and consider moving part of your portfolio into a more risk-averse position. When you were decades away from retiring, you may have felt more comfortable with a more aggressive positioning because you had time to “bounce back” from any market downturns. But as you near retirement, it may make sense to lower your risk level. And as part of a move toward a reduced-risk approach, you also may want to evaluate the “cash” positions in your portfolio. When the market has gone through a decline, as has been the case in 2022, you may not want to tap into your portfolio to meet short-term and emergency needs, so having sufficient cash on hand is important. Keep in mind, though, that having too much cash on the “sidelines” may affect your ability to reach your long-term goals.

Even if you decide to adopt a more risk-averse investment position before you retire, though, you may still benefit from some growth-oriented investments in your portfolio to help you keep ahead of – or at least keep pace with – inflation. As you know, inflation has surged in 2022, but even when it’s been relatively mild, it can still erode your purchasing power significantly over time.

Changes in your own goals or circumstances may also lead you to modify your investment mix. You might decide to retire earlier or  later than you originally planned. You might even change your plans for the type of retirement you want, choosing to work part-time for a few years. Your family situation may change – perhaps you have another child for whom you’d like to save and invest for college. Any of these events could lead you to review your portfolio to find new opportunities or to adjust your risk level – or both.

You might wonder if you should also consider changing your investment mix in response to external forces, such as higher interest rates or the rise in inflation this year. It’s certainly true that these types of events can affect parts of your portfolio, but it may not be advisable to react by shuffling your investment mix. In the first place, nobody can really predict how long these forces will keep their momentum – it’s quite possible, for instance, that inflation will have subsided noticeably within a year. But more importantly, you should make investment moves based on the factors we’ve already discussed: your goals, risk tolerance, time horizon and individual circumstances.

By reviewing your portfolio regularly, possibly with the assistance of a financial professional, you can help ensure that your investment mix will always be appropriate for your needs and goals.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Alan Bell, Littleton, MA - EdwardJones.com/Alan-Bell. Edward Jones, Member SIPC.
Event flyer nextweekend

2022 Treasure Trove Boasts Arts, Crafts, Gifts, a Raffle & Storytime

AYER: On November 19, Ayer Cultural Council is offering up a second annual Holiday Treasure Trove with shopping galore and extra fun, family-friendly treats! Stroll thru aisles and aisles of holiday gifts and stocking stuffers from some of the finest craftspeople and small businesses in our region! Some of the scheduled vendors include Evern Learn Media, Hearts for Paws, Mary Kay Cosmetics, Naturally Clean Soap, Singe Confectionery LLC, Board & Beauty, Painted Pines Plus, Face Painting with Bonnie, Four Seasons Designs, Bright Eyes Pet Portraits, Color Street, Upon a Cake, Lush Industrial, Tastefully Simple, Cullinan Crafts, Simple Things, Tortoise in a Teapot and Alpine Leather Goods (to name a few).

There is also be other fun planned, such as face-painting, as well as story times with local Author J. Anthony Garreffi in the “reading nook” at the top of the stairs. Feeling lucky? There will also be a wealth of raffle items to shoot for, all containing items donated from Town businesses and friends. Tickets will be $1 each; or six for $5. 100% of the proceeds from the raffle will be added to the Cultural Council’s 2023 grant cycle.

The Ayer Holiday Treasure Trove will take place in the Great Hall at Town Hall on Main Street on November 19, 2022 from noon to 5pm. Kick off your holiday celebrations with a fun event supporting many great people and causes! For more information, contact jgovang@ayer.ma.us.
Image001(1)

Ayer/Devens Neighborhood Pocket Miyawaki Forest "Community Forum" November 16

AYER: Join together November 16 at 6:00pm at Ayer Town Hall in the 2nd Fl. Great Hall to discover, learn, vision, design and create innovative Neighborhood Pocket Forests (maybe Miyawaki-Method) in Ayer’s Neighborhoods that suffer most from “heat-island effect”, lack of shade, too much asphalt, poor-air quality from freight railroad & heavy trucking exhaust, storm-water street flooding, loss of wildlife habitat & song birds and pollinating insects, and the associated unhealthful impacts that result from these harsh, adverse and increasing neighborhood climate-change conditions. Join together for the future health & sustainability of our Ayer Neighborhoods at the Ayer/Devens Pocket Forest Project “Community Forum” Kick-Off.  The hope is that young students of Ayer take the lead and drive the vision and the project – it’s about their sustainable and healthful future in the Town of Ayer. 
9798885273589 frontcover  74608

Leominster, MA Author Publishes Children’s Book

LEOMINSTER: Go On Adventures And Learn Some Valuable Lessons Along The Way! Autumn's Adventures, a new book by Tonia Magras, has been released by Dorrance Publishing Co., Inc. Based on the bright, precocious grandchild of author Tonia Magras, Autumn's Adventures follows Autumn as she finds ways to help others and herself while on some very big adventures. Filled with lessons on problem-solving, relationship building, and conflict resolution through fun and exciting adventures, your child will love adding Autumn's Adventures to their library!
 
Tonia Magras is a principal owner of Hull Bay Productions, where she serves as executive producer, director, and editor. With over thirty years of production experience which began at PBS in Boston, she has seven Emmy Award nominations, and three Emmy wins for various documentary and production work. In 2020, she launched her own podcast, The PowerPLAY Show, which now has six awards including two awards of excellence and three awards of distinction from The Communicator Awards, an honorable mention from the Webby Awards. Magras resides in Central Massachusetts with her husband Gregory, two sons, Javier and Angel, and three rescue dogs. She and Gregory are proud parents of a blended family of eight children, Ashleigh, Khyal, Jamie, Jodie, Joslyn, Angel, Delilia, Javier, and extremely proud grandparents of their beautiful and wonderful Autumn.

Autumn's Adventures is a 38-page hardbound. The ISBN is 979-8-8852-7358-9. It was published by Dorrance Publishing Co., Inc of Pittsburgh, Pennsylvania.

FINANCIAL FOCUS: COLA is Sweet for Social Security Recipients

October 24, 2022
 
If you receive Social Security, you’ve probably already heard that your checks in 2023 will be bigger – considerably bigger, in fact. How can you make the best use of this extra money? Here’s what’s happening:

For 2023, there’s an 8.7% cost-of-living adjustment (COLA) for Social Security benefits – the largest increase in 40 years. Also, the monthly Medicare Part B premiums are declining next year, to $164.90/month from $170.10/month, which will also modestly boost Social Security checks for those enrolled in Part B, as these premiums are automatically deducted.


Of course, the sizable COLA is due to the high inflation of 2022, as the Social Security Administration uses a formula based on increases in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). So, it’s certainly possible that you will need some, or perhaps all, of your larger checks to pay for the increased cost of goods and services. But if your cash flow is already relatively strong, you might want to consider these suggestions for using your bigger checks:

Reduce withdrawals from your investment portfolio. When you’re retired, you will likely need to withdraw a certain amount from your portfolio each year to meet your expenses. A boost in your Social Security may enable you to withdraw less, at least for a year. This can be particularly advantageous when the markets are down, as you’d like to avoid, as much as possible, selling investments and withdrawing the money when investment prices are low. And the fewer investments you need to sell, the longer your portfolio may last during your retirement years.

Help build your cash reserves. When you’re retired, it’s a good idea to maintain about a year’s worth of the amount you’ll spend from your portfolio in cash, while also keeping three months’ of your spending needs in an emergency fund, with the money kept in a liquid, low-risk account. Your higher Social Security checks could help you build these cash reserves. (Also, it’s helpful to keep another three to five years’ worth of spending from your portfolio in short-term, fixed-income investments, which now, due to higher interest rates, offer better income opportunities.)

Contribute to a 529 plan. You could use some of your extra Social Security money to contribute to a tax-advantaged 529 education savings plan for your grandchildren or other family members. 

Contribute to charitable organizations. You might want to use some of your Social Security money to expand your charitable giving. Your generosity will help worthy groups and possibly bring you some tax benefits, too.

While it’s nice to have these possible options in 2023, you can’t count on future COLA increases being as large. The jump in inflation in 2022 was due to several unusual factors, including pandemic-related government spending, supply shortages and the Russian invasion of Ukraine. It’s quite possible, perhaps even likely, that inflation will subside in 2023, which, in turn, would mean a smaller COLA bump in 2024.

Nonetheless, while you might not want to include large annual COLA increases as part of your long-term financial strategy, you may well choose to take advantage, in some of the ways described above, of the bigger Social Security checks you’ll receive in 2023. When opportunity knocks, you may want to open the door. 

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Gerald Breen, Acton, MA - EdwardJones.com/Gerald-Breen
Edward Jones. Member SIPC.
Img 4006

Harvard Lions 32nd Annual Citrus Sale Benefits Local Charities

HARVARD: The Harvard Lions are selling fresh oranges and grapefruit direct from Florida – picked just days before delivery to Harvard. Treat your family to great fruit while at the same time benefiting Lions charities and families in need! They're offering Royal Ruby Red grapefruit -- Sweet, thin-skinned and seedless, the flavor is reminiscent of refreshing red grapes and sweet nectarines; NEW: Florida Navel oranges – Easy peeling with the perfect balance between sweet and tart. Seedless and packed with Vitamin C. Both are available in 20 lb. boxes for $35 each as well a ‘mixed’ 20 lb. box available for $35.

You can pre-order online and have the fruit delivered to your home (in Harvard and adjacent towns of Ayer, Boxborough, Devens, Lancaster, Littleton, Shirley and Stow) by a Harvard Lion starting November 19. No need to be home for this “curbside drop off”. Boxes will also be sold on a ‘cash and carry’ basis at the Harvard Town Center and Transfer Station starting November 19.

They are also offering a number of fruit gift boxes that can be ordered online and shipped anywhere in the continental United States. This offers an option to send a gift to others while supporting our local charities. To order online go to www.harvardlions.org.
Image

Nashoba Park Celebrates Halloween with Costumes & Treats

AYER: Residents of Nashoba Park Assisted Living in Ayer proved that you’re never too old to enjoy a little Halloween fun, partaking in a community celebration complete with costumes and, of course, plenty of sweet treats. Staff at the Assisted Living community went all out for the day’s celebrations, donning fun and festive costumes. Residents were encouraged to dress up and take part in the festivities, many finding creative ways to incorporate their face coverings into their costumes. The community also enjoyed a visit from therapy dogs who also dressed up for the occasion!

PHOTO: Nashoba Park associates don costumes for Halloween festivities (left to right: Kim Gagnon, Noella Vautour, Kathy Davidson, Kerry Jumper, Stephanie Conley, Sarah McMahon, Tiffany Jimenez, Linda McMahon, Shelby Thomas, Christine Masci front)
Image001
Apwlogo

Ayer West Main Street Infrastructure Project

AYER: UPDATE as of 11/1/22: The Contractor will be paving Sculley Road on Friday, November 4, weather permitting. The work extends from West Main Street to the Molumco Park entrance. The road will be open to one lane of travel during the work; however, expect delays. During construction, there will be varying road conditions. Please travel with caution. Police details will be onsite to direct traffic and construction signage will be in place. If you have any questions, please contact the Department of Public Works at (978) 772-8240
_____________________

UPDATE as of 10/11/22: The Contractor will be paving Sculley Road and West Main Street beginning Thursday, October 13, 2022 (weather permitting). The work is anticipated to take 2 days.
Work Location:
 
  • West Main Street - from the Verbeck Gate to Sculley Road
  • Sculley Road - from West Main Street to Molumco Park

The roads will be open to one lane of travel during the work; however, expect delays. Police details will be onsite to direct traffic and construction signage will be in place. During construction, there will be varying road conditions. Please travel with caution. If you have any questions, please contact the Department of Public Works at 978-772-8240.
_____________________

UPDATE as of 10/6/22: The Contractor will be milling Sculley Road on Friday, October 7, 2022. The work extends from West Main Street to the Molumco Park entrance. The process involves a pavement milling machine that grinds the existing asphalt down to a lower depth. The road will be open to one lane of travel during the work; however, expect delays. During construction, there will be varying road conditions. Please travel with caution. Police details will be onsite to direct traffic and construction signage will be in place. If you have any questions, please contact the Department of Public Works at (978) 772-8240.
_____________________

The Ayer West Main Street Infrastructure Project is continuing. Below is an update of work completed to date. Completed-to-date:
 
  • Water infrastructure replacement
  • Drainage infrastructure replacement
  • Roadway milling
  • Sidewalk and curb removal

Upcoming Work this Fall:
 
  • Shared-Use Path Construction
  • Verbeck Gate Improvements
  • Binder course pavement of Sculley Road and West Main Street
  • Winterize project (e.g. adjust structures, secure area (driveway aprons, hydrants, etc.)

Unfortunately, they did not receive the curbing that was secured for the project. The curbing supply company had issues and was unable to fulfill their project orders. This has impacted several projects across the region, including this project. They have secured curbing from another source, but it will not be delivered until early next year. Curbing for the project will be installed first thing in the Spring, followed by sidewalks and road top course.

When paving work is scheduled, advance notice of any traffic impacts will be given.
The Town appreciates your cooperation during this important infrastructure project. If you have any questions, please call the Ayer DPW at (978) 772-8240 (7:30am-3:30pm) or email DPW@ayer.ma.us.

Holiday Open House and Kitty Angels Fundraising Weekend November 5 & 6

102822 treasuresantiques 2x3
AMHERST, NH: Mark your calendars! Treasures Antiques, Collectables & MORE!, located at 106 Ponemah Road will be hosting their 32nd Annual Holiday Open House and Kitty Angels Fundraising weekend on November 5 and 6. Festivities for the weekend will run both days from 10am-4pm and include Holiday inspired shopping, raffles and entertainment. This annual event has been a mainstay in the community since 1991 and features Kitty Angels, Inc. along with several live musical entertainers, including: Wildwood, Jeff Damon, North Sound Duo, Jensing and Sunset Rhythm!

This Holiday and Fundraiser event is pet and kid friendly and will offer special sales for all, inside and out. B’s Grumman Grub offers a unique array of hot and cold food, as well as several beverages. A petting zoo with horse and pony rides will be provided by Mapledell Farms of Townsend. and Trading Faces, LLC, a face painting, body art and airbrushing professional with their remarkable “Transformation Station.” The weekend will also showcase some artists and artisans, crafters, professionals and specialty food vendors. Look for artist Lori-Ellen Budenas of Respect the Wood!, a creator of abstract paintings, coasters, trivets and more, Baboosic Lake Gourds, Heart’s Design Jewelry, Happy Cat Creations, Vinyl Revival, Dusty Finds, SoGo Metal Art, Anthony Acres, Damsel in Defense, Color Street, Baby Snuggz, Heavenly Goddess, Fudge & Stuff, Fiber Art by Eve Huston, Custom Care Designs, Gubbies Boutique and many more.

Treasures will also be offering a number of fun and exciting raffles, with prizes donated by local and national businesses. These prizes will include a Hotel get-a-way weekend at Homewood Suites by Hilton/Nashua, a “Chain-sawed” green frog carving, created by Sara of NorthStar Sculptures/Chainsaw Chix, an ARUBACAT cat tree and other cat and dog related items, jewelry, specialty food packages, and an assortment of other fun and exciting prizes.

Kitty Angels, Inc., a no-kill cat shelter is made up of all unpaid volunteers and is dedicated to rescuing stray and abandoned cats and furnishing them with treatment for injuries or other health issues. These cats are then placed into life-long, loving “forever homes” with compatible owners. All necessary steps are taken to ensure the wellbeing of the cats, including spaying and neutering and providing rabies, distemper and other necessary vaccinations. They are a non-profit, charitable corporation and all donations are fully tax-deductible with every penny of each donation going directly to the care of these cats.

Please join Treasures and Kitty Angels, in friendship and the spirit of giving and sharing the Holidays. For more information, visit www.TreasuresNH.com and www.KittyAngels.org.

FINANCIAL FOCUS: Avoid Becoming a ‘Burden’ on Grown Children

October 24, 2022
 
Here’s an interesting statistic: Some 72% of retirees say one of their biggest fears is becoming a burden on their families, according to a 2021 survey by Age Wave and Edward Jones. Both before and during retirement, what steps can you take to avoid burdening your loved ones in the future? Here are a few suggestions:
 
  • Build your retirement savings. The greater your financial resources, the less likely it becomes that you’d ever have to count on your grown children for financial support. You may have access to a 401(k) or similar retirement plan at work, so take advantage of it. Even with an employer-sponsored plan, you also may be eligible to contribute to an IRA. In addition to offering a variety of investment options, a 401(k) and IRA provide potential tax advantages. And once you do retire, be careful about how much you withdraw each year from your retirement plans and other investments.
  • Plan for health care costs. Once you are retired, health care costs will be a significant expense. You may have Medicare, but you'll also want to consider your need for supplemental health insurance to cover traditional medical costs. And you’ll want to consider another potential health-related expense: long-term care. You may never need the services of a home health aide or a stay in a nursing home, but no one can predict the future.
Medicare does not cover most costs for long-term care, which can be quite high. In 2021, the annual national median cost for a private room in a nursing home was over $108,000, while the median cost for a full-time home health aide was nearly $62,000, according to a survey by Genworth, an insurance company. You may want to consult with a financial professional on strategies for protecting yourself from these costs.
 
  • Create necessary legal documents. If something were to happen to you, and you didn’t have the appropriate legal documents in place, your loved ones could be placed in a bind, both financially and emotionally. That’s why it’s a good idea to create documents such as a durable financial power of attorney, which lets you name someone to manage your finances if you became incapacitated, and a durable power of attorney for health care, which allows someone to make medical decisions on your behalf if you can’t make them yourself. You’ll want to work with a legal professional to develop the documents appropriate for your needs.
  • Evaluate your housing needs. As you enter retirement, you may want to evaluate your living situation. Could you downsize to a smaller home, or perhaps a condominium or apartment? Not only might you save money with such a move, but you could also end up relieving your grown children of the responsibilities and hassles involved in clearing out and selling your home should you become unable to do so yourself during the later years of your retirement.

By taking these measures, along with others, you can go a long way toward maintaining your independence and putting yourself in a place where you won’t burden your grown children.  And that’s a good  place to be.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Alan Bell, AAMS ® - (978) 486-1059. Edward Jones, Member SIPC
Ellises(1)

ShirleyArts! Presents "Bah Humbug"

SHIRLEY: Community theater is great for families, and this group of six are all related and are all part of the ShirleyArts! upcoming production of "Bah Humbug!" Grandfather Roy Ellis (far right) plays Ebenezer Scrooge. His wife Kathy (in the center) is stage manager. Samantha Ellis Sickorez (in the brown vest) appears as Bob Cratchit. Zach Sickorez (far left) is the Ghost of Christmas Present and Jay Sickorez (with the long blue jacket) is Nephew Fred. Donovan is the smallest Sickorez and is appearing as Tiny Tim. Other families participating in the show  include husband and wife, Bob and Marga Marchetti, mother and daughter Lyn and Emily Lambert, mother and daughter Mary and Hannah Cooper, and the whole Matthew Fowler family appearing on stage and helping backstage. Also part of the cast are Angie Edmonds, Diane King, Donna King, Victoria Landry, Jen Pacheco, Asia Sanford and Nancy Sawyer.
Director/ Producer Meredith Marcinkewicz is assisted by her daughter Laurie Marcinkewicz.

"Bah, Humbug!" will be performed at the Ayer Shirley Middle School on November 4, 5 and 6. Admission is $20 for adults; $10 for children ages 2-12, with a 10% discount for members of ShirleyArts!. Tickets will be on sale for cash or check at the door or can be ordered in advance using paypal at www.shirleyarts.info. Seating is open with the suggestion that spaces be left between parties. Masking is optional. Assistive listening devices will be available on request.
Town seal 180x180 1

2023 Transfer Station Stickers

AYER: Transfer Station Stickers for 2023 will be available mid to late November. Please stay tuned to the Town of Ayer website and sign up for E-Alert updates at www.ayer.ma.us/subscribe.
Apwlogo

Pre-lien Notification - Water & Sewer Customers

AYER: IMPORTANT REMINDER:  Every Fall, the Department of Public Works removes past due water and sewer charges that are six months old or older from the accounts at the D.P.W. and the delinquent amount is added to the resident’s third quarter real estate tax bill. If this applies to you,  the lien process can be avoided by paying your past due water and/or sewer balance now. If you have questions or need additional information, please contact the Public Works office at (978) 772-8240.

FINANCIAL FOCUS: Here’s Your ‘Recession Survival’ Checklist

October 17, 2022

It’s unfortunate, but recessions are a fairly normal part of the economic landscape. When a recession occurs, how might you be affected? The answer depends on your individual situation, but regardless of your circumstances, you might want to consider the items in this recession survival checklist:
 
  • Assess your income stability. If your employment remains steady, you may not have to do anything different during a recession. But if you think your income could be threatened or disrupted, you might want to consider joining the “gig economy” or looking for freelance or consulting opportunities.
  • Review your spending. Look for ways to trim your spending, such as canceling subscription services you don’t use, eating out less often, and so on.
  • Pay down your debts. Try to reduce your debts, especially those with high interest rates. 
  • Plan your emergency fund. If you haven’t already built one, try to create an emergency fund containing three to six months’ worth of living expenses, with the money kept in a liquid account. 
  • Review your protection plan. If your health or life insurance is tied to your work, a change in your employment status could jeopardize this coverage. Review all your options for replacing these types of protection. Also, look for ways to lower premiums on home or auto insurance, without significantly sacrificing coverage, to free up money that could be used for health/life insurance. 
  • Keep your long-term goals in mind. Even if you adjust your portfolio during times of volatility, don’t lose sight of your long-term goals. Trying to “outsmart” the market with short-term strategies can often lead to missteps and missed opportunities.  
  • Don’t stop investing. If you can afford it, try to continue investing. Coming out of a recession, stock prices tend to bottom out and then rebound, so if you had headed to the investment “sidelines,” you would have missed the opportunity to benefit from a market rally.  
  • Revisit your performance expectations. During a bear market, you will constantly be reminded of the decline of a particular market index, such as the S&P 500 or the Dow Jones Industrial Average. But instead of focusing on these short-term numbers, look instead at the long-term performance of your portfolio to determine if you’re still on track toward meeting your goals. 
  • Assess your risk tolerance. If you find yourself worrying excessively about declines in your investment statements, you may want to reevaluate your tolerance for risk. One’s risk tolerance can change over time — and it’s important you feel comfortable with the amount of risk you take when investing. 
  • Keep diversifying. Diversification is always important for investors — by having a mix of stocks, mutual funds and bonds, you can reduce the impact of market volatility on your portfolio. To cite one example: Higher-quality bonds, such as Treasuries, often move in the opposite direction of stocks, so the presence of these bonds in your portfolio, if appropriate for your goals, can be valuable when market conditions are worsening. (Keep in mind, though, that diversification cannot guarantee profits or protect against all losses in a declining market.) 

A recession accompanied by a bear market is not pleasant. But by taking the appropriate steps, you can boost your chances of getting through a difficult period and staying on track toward your important financial goals. 

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Mandy Calouro, Chelmsford, MA  - EdwardJones.com/Mandy-Calouro, Edward Jones, Member SIPC

Transfer Station Notice - Mattresses, Box Springs & Textiles No Longer Accepted as Trash Starting November 1st

Unnamed(1)
AYER: As of November 1, revisions to the MassDEP waste ban will go into effect that no longer allow mattresses/box springs and textiles in the waste stream (i.e., as trash). The items have to be recycled.
Why is the State Banning Mattresses/Box Springs and Textiles from the Waste Stream?

MassDEP’s 2030 Solid Waste Master Plan establishes goals to reduce trash disposal statewide by 30 percent (from 5.7 million tons in 2018 to 4 million tons in 2030) over the next decade. Among its strategies for reaching these objectives, MassDEP will expand its current waste disposal bans by adding mattresses to the list of materials banned from disposal or transport for disposal in Massachusetts.

The State’s landfills and combustion facilities have limited and diminishing capacity and the State is targeting textiles and mattresses because of the impact they will have when taken out of the waste stream. Mattresses are bulky and hard to dispose of and the State estimates approximately 17,000 tons per year can be removed from the waste stream from the ban. Similarly, approximately 95% of the 230,000 tons of textiles disposed of per year could be reused or recycled. This will reduce the waste burden on landfills and combustion facilities.

How does this impact the Ayer Transfer Station? Currently, the Ayer Transfer Station accepts mattresses/box springs and textiles. Mattresses/Box Springs are accepted as a bulk item and disposed of as trash. Textiles are accepted in donation containers. Due to the new Waste Ban, the Transfer Station will no longer accept mattresses/box springs on and after November 1, 2022. The final day to dispose of a mattress/box spring at the Transfer Station will be Sunday, October 30, 2022. The Transfer Station will continue accepting textiles in the donation containers.
 
Current Options to Recycle Mattresses / Box Springs after November 1, 2022: When purchasing a new mattress, ask the retailer to collect your old one. If you do not have a mattress purchase or if the retailer does not provide this service, schedule drop off with a Mattress Recycling Vendor, some vendors also offer pickup. The nearest facilities are:
 
Additional Transfer Station information is available at www.ayer.ma.us/transfer-station. If you have any questions, please call the DPW at (978) 772-8240.

Cannon Theatre Proudly Presents "Boeing Boeing"

DEVENS: The Cannon Theatre is pleased to present Boeing Boeing, a hilarious 1960s French farce drenched in fast-paced physical comedy and uproarious chaos. This production, directed by Martha Brooks, is the first in The Cannon Theatre’s 2022-23 season line-up, and only the fourth show to be staged in their new performance space at 28 Andrews Parkway. Show times are October 28, 29, November 4, 5, 11 and 12 at 7:30pm, with matinees on November 6 and 13 at 2pm. Tickets,  $25 for adults; $20 for students/seniors are available at www.thecannontheatre.org.

Boeing Boeing follows the antics and escapades of Bernard Lawrence, an American architect living in Paris. As long as flight schedules remain the same, he is safe juggling three fiancées who are airline stewardesses; each is from a different airline and doesn't know about the other two! Life is grand until the new Boeing jet arrives and shortens flight times. Now the fun begins as Bernard and his maid juggle the ladies and their schedules. In addition, a friend discovers Bernard's deceit and decides to get in on the action. Life for Bernard is suddenly very complicated. Come see how the plot unfolds! In the cast are Lee Pallotta (Acton); Glenn Wakeley (Tewksbury); Sally Reid (Concord); Maren Caulfield (Harvard); Lexi Rock (Littleton); and Liz Chirico (Leominster).

The Cannon Theatre moved from Littleton to Devens while live theater was not possible during the pandemic. The new theater construction was made possible by very generous funding from The Elizabeth B. McGraw Foundation, as well as donated work by Studio J2 (architect) and Frank Harrigan (structural engineer). Additional support is provided by the Community Foundation for North Central Massachusetts, and the Local Cultural Councils of Acton-Boxborough, Ayer, Groton, Harvard, Littleton, Lunenburg, Townsend, and Shirley - local agencies which are supported by Mass Cultural Council, a state agency.
Nsbatmechanicshall

Nashoba Symphonic Band Opens Season

BOLTON: The Nashoba Symphonic Band will present its first concert of the 2022-23 season on Sunday, October 30th at 3:00 p.m. In the auditorium of the Nashoba Regional High School, Route 117 (Green Road GPS). With the theme “Brilliant Expositions,” the concert is the first in the season's “Joy in Form” series, exploring the ways various parts are combined to form a musical whole. The concert includes the brilliant Festive Overture by Dmitri Shostakovitch and Candide Suite, a set of songs from Leonard Bernstein's Broadway musical, adapted for concert band by veteran arranger, Clare Grundman. The program's featured number is the Symphony No.3 for Band by Vittorio Giannini. This four-movement piece is one of the first major works composed for the symphonic band medium. The concert will conclude with Karl King's rousing circus tune, Broadway One-Step.
 
Nashoba Symphonic Band, under the direction of David Wayne Bailey, is a program of the Nashoba Regional High School Friends of Music, and grateful for the support of its followers and fans. For more information, visit them at https://nashobamusic.wordpress.com/nashoba-symphonic-band or on Facebook.
Apwlogo

Pre-lien Notification - Water & Sewer Customers

AYER: Every fall the Department of Public Works removes past due water and sewer charges that are six months old or older from the accounts at the D.P.W. and the delinquent amount is added to the resident’s third quarter real estate tax bill. If this applies to you, the lien process can be avoided by paying your past due water and/or sewer balance now. If you have questions or need additional information, please contact the Public Works office at (978) 772-8240.
Town seal 180x180 1

Real Estate & Personal Property Taxes are Due November 1, 2022

AYER: A friendly reminder that the Fiscal 2023 second quarter Real Estate and Personal Property tax bills are coming due on November 1, 2022. You can pay or lookup your taxes online by clicking here.  The fee to pay a bill using an e-check is $.50.  This is less than a postage stamp and you get an instant receipt.
 
The Town Now Offers Autopay!  To sign up for AutoPay, add your bill to the cart and select “Set Up Automatic Payments.” You will be prompted to follow a one-time enrollment Wizard. Please be mindful not to enroll more than once. AutoPay only needs to be set up once.  You can edit your transactions at any time up to the day before payment is due.

The balance shown online will only reflect the payments you made online.  You are responsible for stopping any automatic payments if you no longer own the property. If you have any questions or concerns, please email tax@ayer.ma.us
Rushad banner

Rushad Eggleston at Fivesparks

HARVARD: Rushad Eggleston, a.k.a. Rushadicus will be presented by notloB Parlour Concerts at Fivesparks, 7 Fairbank Street on October 18 at 7:30pm. Eggleston is a mystical realm-hopping jester of infinite glee, whose unprecedented extremely fast bouncy cello style blows minds of all kinds.  A charming entertainer with unbridled passion, his joy is so contagious that many showgoers complain of sore facial muscles afterwards (the name Rushad means “joyful soul”).

A whimsically adventurous sense of melody shines through in all shades and styles on any of the many instruments Rushad bejicks “to keep it fresh”. Sometimes he reads mystical poetry in his own language, speaks in tongues, channels aliens, throat-sings, beat-boxes, or does skits as different characters such as Negative Ralph, Country Bob, The Goblin, or Guru Fafa which he has a right to embody because of his half-indian heritage.

Somewhat of an acrobat, Rushad can spin on one leg, hang upside down, do splits, play in plough pose, and catch flying fruits in his mouth while playing fast intricate cello rhythms.  A distinguished flatpicker, his innovation and skill are admired by many guitar luminaries. Although some of his music is avant garde and experimental (he has an amazing deathmetal cat-voice), he is an expert at making personal anthems to those for which he is playing.

Admission is by free-will offering, with a suggested cash donation of $15-20 for adults; teens and seniors $10; children $5. 100% of patron donations go to the artist.To reserve your seat, visit http://notlobmusic.eventbrite.com.  For more informaiton about Rushad, visit https://fliartists.com/artists/american-traditions/rushad-eggleston.
Apwlogo

Fall Paving Update

AYER: UPDATE as of 10/5/22:
 
  • Central Avenue and Pleasant Street: Due to today’s rainy weather, the final top course pavement on Central Avenue and Pleasant Street is rescheduled for Thursday, October 6th. Detours will be in place during the work, but local traffic will be permitted access. Expect delays. No on-street parking will be allowed during the paving operation (approximately 7am-4pm).
  • Westford Road: Paving work associated with Westford Road, from Willow Road to New England Way, will begin on Monday, October 10th. The work will begin with milling the roadway. One-way alternating traffic will be maintained during the Westford Road paving work.

During construction, there will be varying road conditions. Please travel with caution. Police details will be onsite to direct traffic and construction signage will be in place. If you have any questions, please contact the Department of Public Works at (978) 772-8240.
______________________

UPDATE:
The Ayer DPW will be installing final top course pavement on the following streets and schedule, weather permitting:
 
  • October 4 - School Street (from Prospect Street to Pirone Park), Page Street
  • October 5 - Central Avenue (from Columbia Street to approximately 60 Central Ave), Pleasant Street (from 62 Pleasant Street to Howard Street)

The work consists of installing the top layer of pavement on one-half of the road at a time. Detours will be in place during the work, but local traffic will be permitted access. Expect delays. Please see attached images for anticipated details for Pleasant Street and Central Ave.

No on-street parking will be allowed during the paving operation (approximately 7am-4pm). During construction, there will be varying road conditions. Please travel with caution.
Police details will be onsite to direct traffic and construction signage will be in place.
If you have any questions, please contact the Department of Public Works at 978-772-8240.

___________________

UPDATE: The Ayer DPW is continuing Fall road paving. Work that has been completed and work anticipated during the week of September 26th are outlined below. Note, the work schedule below is subject to change and is dependent on weather.
 
  • Central Avenue (from Columbia Street to approximately 60 Central Ave). Completed: milling, leveling course, asphalt berm, adjusting structures. Anticipated during the week of September 26th: begin sidewalk installation.
  • Pleasant Street (from 62 Pleasant Street to Howard Street). Completed: reclaim, binder course. Anticipated during the week of September 26th: asphalt berm, adjusting structures.
  • School Street (from Prospect Street to Pirone Park). Completed: milling, berm. Anticipated during the week of September 26th: none.
  • Page StreetCompleted: reclaim, binder course. Anticipated during the week of September 26th: asphalt berm, adjusting structures.
  • Westford Road (from New England Way to Willow Road). Completed: none. Anticipated during the week of September 26th: none.

Police details will be onsite to direct traffic. There will be varying road conditions, please travel with caution. Traffic flow will be maintained as much as possible. Notification will be given in advance of any required detours. If you have any questions, please contact the Department of Public Works at (978) 772-8240.

___________________
The Ayer DPW will be reclaiming the following streets beginning Monday September 19: Pleasant Street – from 62 Pleasant Street to Howard Street; Page Street – from Groton Harvard Road to East Main Street. The process involves a pavement reclaiming machine that creates a new base material by grinding the existing asphalt and mixing it with the existing base material. The reclaiming is scheduled to begin on Monday, September 19, weather permitting. The work on Pleasant Street is anticipated to take two days and work on Page Street one day.

A detour will be in place on Pleasant Street during work hours, but the road will be open to local traffic. The detour for Pleasant Street will divert traffic to Jackson Street. Please see attached image of the detour. Page Street will be closed to through traffic but open to local traffic.
No on-street parking will be allowed during the reclaiming operation (approximately 7am-4pm). During construction, there will be varying road conditions. Please travel with caution.

Police details will be onsite to direct traffic and construction signage will be in place.

___________________
The Ayer DPW will be conducting road paving this Fall. Work will commence the week of September 12 and is anticipated to continue through the week of October 17. The following streets are included in the paving schedule, in accordance with the Town’s pavement management plan. Central Avenue (from Columbia Street to approximately 60 Central Ave)  Mill and Overlay, Sidewalks Pleasant Street (from 62 Pleasant Street to Howard Street) Reclamation, Sidewalk School Street (from Prospect Street to Pirone Park)  Mill and Overlay Page Street  Reclamation Westford Road (from New England Way to Willow Road) Mill and Overlay. The tentative work schedule for the next two weeks is as follows and is subject to change:

Week of 9/12, starting on the 13th:
 
  • Excavating sidewalks on Central Ave followed by Pleasant Street
  • Milling on School Street and Central Ave

Week of 9/19:
 
  • Reclaim and pave binder on Pleasant and Page Streets
  • Adjusting structures on Central Ave and School Street
  • Overlay paving on School Street

Please seek alternative routes. Police details will be onsite to direct traffic.
During construction, there will be varying road conditions. Please travel with caution.

DPW will provide regular construction updates as the work progresses. Traffic flow will be maintained as much as possible. Notification will be given in advance of any required detours.
If you have any questions, please contact the Department of Public Works at (978) 772-8240.

FINANCIAL FOCUS : How Should You Pay for Short-term Financial Goals?

October 3, 2022

As you go through life, you will likely have long- and short-term financial goals. But how will your strategies for meeting your long-term goals differ from those needed for your short-term ones?

If you’re like most people, your biggest long-term goal is achieving a comfortable retirement. And for this goal, a common strategy is putting away money in tax-advantaged retirement vehicles, such as your 401(k) and IRA.

So, how should you go about preparing for shorter-term goals, such as a family vacation, home renovation, wedding or major purchase?

For starters, determine what your goal is, how much you can spend on it and when you’ll need the money. Even if you can’t pinpoint a precise amount, you can develop a good estimate. Of course, the sooner you start this process, the better off you’ll be, because you’ll have more time to save.

Your next decision involves the manner in which you save for your short-term goal. Specifically, what savings or investment vehicles should you use? The answer will be different for everyone, but you need to make sure that your investments align with your risk tolerance and time horizon. And you’ll want to ensure, as much as possible, that a certain amount of money is available for you at the specific time you’ll need it.

If you aren’t able to save enough to reach a short-term goal, you have other options — you can borrow what you need, or you can potentially sell investments to cover the cost. How can you decide which choice is best?

To help make up your mind, you’ll first want to consider some of the most common borrowing options: credit cards, home equity loans, personal loans and margin loans. (A margin loan lets you borrow against the value of investments you already own). How might each of these loans fit into your overall financial strategy? Will the repayment schedule work with your cash flow and budget?

You’ll then want to compare the costs and benefits of borrowing, in whatever form, against selling investments. For example, if you can borrow at a lower interest rate compared to the return you think you can get from your investments, borrowing might be a reasonable choice. You’ll also need to consider other factors, such as your credit score, taxes, fees associated with selling investments and time needed to repay debts. If, for instance, selling investments will trigger a large amount of taxes, borrowing might be preferable. You’ll also want to consider whether there’s a penalty or high costs associated with selling investments. In addition, if you have a long time horizon for a loan, you may want to sell investments to avoid paying interest for a longer period of time, and thus driving up the overall cost of borrowing.          Finally, keep in mind that you may have built an investment mix designed to align with your goals and risk tolerance. If you were to sell any of these investments to meet short-term needs, you would want to consider the need to rebalance your portfolio to maintain your desired asset allocation.
As you can see, there’s a lot to think about when it comes to paying for short-term goals. But by carefully evaluating your options, you can make the choices that are right for your needs.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Alan Bell, Edward Jones, Member SIPC.

“Margaret Fuller and Elizabeth Bishop:  Two Women of Central Massachusetts,” a talk by Pulitzer Prize-winning biographer Megan Marshall

Megan marshall by gail samuelson
WEST GROTON: Pulitzer-Prize winning biographer Megan Marshall will present “Margaret Fuller and Elizabeth Bishop: Two Women of Central Massachusetts,” on October 23 at the Groton Center, 163 Main Street. The public is invited to attend this lively exploration that inspired Marshall’s immersive and prize-winning biographies, Margaret Fuller: A New American Life and Elizabeth Bishop: A Miracle for Breakfast.

Born a century apart, Fuller and Bishop’s lives and passions converge in fascinating ways. They had their important differences: Margaret Fuller was a public figure, a social reformist, and essayist. The author of Woman of the Nineteenth Century, she was the first female war correspondent and full-time book reviewer. A poet (and painter), Elizabeth Bishop confined her eloquence to the page. She won the Pulitzer Prize for her collection: North & South/A Cold Spring  (1955), taught at Harvard, and has been called by the New York Times critic, Larry Rohter, “one of the most important American poets” of the 20th century. Fuller received a carefully cultivated intellectual upbringing (part of which was in Groton); she associated with many of the best minds of her day. Bishop’s family background was less fortunate. Both struggled from childhood with questions of identity, and purpose. Each led off-beat, colorful lives of outstanding accomplishment and distinction.

Megan Marshall, award-winning scholar and Emerson College professor, brilliantly recreates the lives and times of these remarkable women. Her presentation is cosponsored by the Groton History Center and the Groton Public Library, with thanks to funding from the Groton Commissioners of Trust Funds. The program follows a brief business meeting of the Groton Historical Society. Space is limited; please register to attend by selecting the event from the GPL calendar at gpl.org. For more information, visit www.grotonhistory.org or email info@grotonhistory.org
300395274 10160432742478169 8819947377345913058 n

October WWII Program at Fort Devens Museum

DEVENS: On October 15 there will be a presentation by WWII militaria collector Bill Shea. He will bring various items from his own collection and highlight their fascinating stories which give these pieces a unique place in history.
 
Bill is a retired history teacher from Hubbardston. He and his son, Patrick, are currently the proprietors of "The Ruptured Duck" which specializes in original WWII military memorabilia. He works with area auction houses and serves as a consultant for a number of museums. Bill has contributed to more than 50 reference books dealing with WWII artifacts and has written a four volume series of books entitled THE STORIES BEHIND THE TREASURES OF WORLD WAR II “The Making of a Collectorholic." Bill is on the Board of Directors for The World War II Foundation in Rhode Island and was a Trustee for The International Museum of World War II in Natick, MA. He has appeared on the American Heroes Channel for a special edition of “Secrets of the Arsenal.”
 
This program is free and open to the public. So, if names and places like Iwo Jima, Mount Suribachi, the B-17 Liberator airplane or “30 Seconds Over Tokyo” mean something to you, please be sure to join in on October 15 at 1pm. The Fort Devens Museum is located on the 3rd floor of 94 Jackson Road. The museum is wheelchair accessible. For more information please email info@fortdevensmuseum.org.

PHOTO: "Papa Rufus" was a belly gunner on a B-17...What an incredible story he had to tell! Credit: Bill Shea
Mary fell

Nashoba Park Celebrates National Assisted Living Week with Joyful Moments

AYER: Nashoba Park did not hold back for this year’s National Assisted Living Week. The Volunteers of America Massachusetts senior community used the occasion as an opportunity to bring some fun to the community’s residents and families, and to show their appreciation to their dedicated team of associates. This year’s theme for National Assisted Living Week was “Joyful Moments,” and Nashoba Park celebrated by creating their own new joyful moments and sharing special gifts with residents and staff. The week-long celebration kicked off with a special Grandparents Day celebration, followed by themed days including Sports Day, Twin Day, Wacky Wednesday and Western Day. The community also enjoyed a special visit from Lifting Spirits Miniature Horses (pictured herein with resident Mary Fell). 

Nashoba Park Assisted Living, a Volunteers of America Massachusetts Senior Community, offers local seniors service-enriched assisted living. The community was recently renovated, ushering in modern, stylish updates to its common spaces. Learn more and book a tour online at www.NashobaPark.com.
Img 0602

St. Andrew’s Church Hosts Blessing of the Animals with Morning Prayer to Mark the Feast of St. Francis

AYER: On October 2, St. Andrew’s Episcopal Church, located at 7 Faulkner Street, is excited to welcome parishioners and the greater community for a Blessing of the Animals. A joyful way to recognize the Feast of St. Francis, worship will be held on the lawn at St. Andrew’s Church. Everyone is invited to bring beloved pets and stuffed animals alike for a Blessing. The service begins at 9:30am. St. Andrew’s is a welcoming and family friendly church. The Sunday Celebration of Holy Communion is at 9:30am, in-person or livestreamed on Facebook at www.facebook.com/standrewsayer. Children are always welcome in church. For information, please visit www.standrewsayer.org.
Unnamed

Over 150 Booths at 50th Anniversary Harvard Flea Market

HARVARD: The League of Women Voters of Harvard and the Harvard Schools Trust are pleased to announce the 50th Annual Harvard Flea Market, to be held on October 8 from 9am-4pm on the grounds of the Bromfield School (Rain date: October 9). Cash admission is $3 per person for adults and seniors; $1 per child ages 6 to 12; and $10 for early birds (7:30am-9am).

Bargain hunters will descend upon Harvard for the 50th year to attend the largest one-day outdoor flea market northwest of Boston. Shoppers come with bags and carts in tow to visit over 160 booths filled with antiques and collectibles – toys, games, jewelry and vintage clothing, seasonal décor, artwork and paintings, pottery and glassware, and so much more.  The market boasts a popular food court area with both traditional favorites and ethnic cuisines including Thai food and specialty desserts.  The Harvard Lions Club serves up hamburgers, cheeseburgers, chicken strips, meatball subs, veggie burgers, hotdogs, fries, breakfast sandwiches, funnel cakes and fresh squeezed lemonade and drinks. The Congregational Church of Harvard will hold its Apple Festival “Pies on the Common,” selling homemade apples pies fresh from local ovens. A limited number of booths are still available. To check availability please visit  www.harvardfleamarket.com
 
There will be parking and restrooms available with handicap access. Please do not block private driveways - parking restrictions will be strictly enforced, including ticketing and towing. Emergency staff will be onsite to assist with any medical emergencies. The Harvard Flea Market gatekeepers will accept cash only (no checks or credit/debit cards) for admission. Some booth vendors may accept credit card payments via Square® or other apps.  Most accept cash only. Dogs are permitted at the flea market provided they are on a leash and their owners pick up after them.

For more information on the flea market, including directions, visit the website at www.harvardfleamarket.com. For questions email: fleamarket@lwvharvard.org. To learn whether the flea market has been postponed a day due to inclement weather, call the Harvard Schools Trust message line at (978) 456-5085.