Honoring the Bud Flannery tradition, all Acton and Boxborough Senior Citizens are invited, as guests, to a luncheon on Sunday, September 7, 2025 at 12:00 pm in the Courtyard of the Boxborough Regency in Boxborough, MA. Gary Morin, strolling accordionist, will provide entertainment. Menu and sign up sheets (by August 27, 2025) can be found at each COA. The event is hosted and sponsored by the Rotary Club of Acton-Boxborough and the Boxborough Regency Hotel. Guests must sign up.

Now that the “One Big Beautiful Bill Act” has become federal law, there is a lot to unpack for American taxpayers and investors. Here, we'll focus on the tax impacts.
For starters, the law permanently extends certain major tax provisions from the 2017 Tax Cuts and Jobs Act (TCJA) that were set to expire at the end of this year, such as permanently extending lower income tax rates for individuals, the higher standard deduction, the expanded child tax credit, the higher alternative minimum tax (AMT) exemption and phase-in thresholds, and the higher federal estate, gift and generation-skipping transfer tax exemption ($15 million per individual and $30 million for married couples in 2026).
But as the name of the law says, the act is “big,” and there are a number of other changes that could impact American taxpayers. Here’s a closer look:
Individuals: The new law delivers several changes that can help individuals further reduce their taxes, including the temporary ability for taxpayers below certain income thresholds to deduct portions of income for individuals age 65 or older, overtime pay, qualified tips and interest on qualified passenger-vehicle loans; a slightly higher charitable contribution deduction for non-itemizers beginning in 2026 ($1,000 for single filers and $2,000 for joint returns); and greater flexibility to use 529 accounts for K-12 and homeschooling expenses.
The act also extends certain TCJA provisions that limit or eliminate some tax benefits, like the elimination of personal exemptions, limits on the state and local tax deduction (albeit with a higher cap, which is subject to phaseout, through 2029), limits on the amount and type of loans eligible for the mortgage interest deduction and the termination of miscellaneous itemized deductions. Additionally, there are new changes that could increase taxes for some individuals, such as a new 35% rate cap on itemized deductions and a new floor for itemized deductions of charitable contributions, both beginning in 2026, as well as the elimination of several clean-energy credits.
Businesses: The new law extends or enhances several tax benefits that could help firms up and down Main Street, as well as America’s farmers. For example, it permanently extends TCJA's "qualified business income" deduction (often referred to as the "199A deduction") for individuals who own "pass-through" businesses (businesses other than sole proprietorships for which owners report business income on their individual tax returns) and increases phase-in thresholds for the deduction, which may allow more individuals to qualify.
It also permanently reinstates the 100% bonus depreciation deduction for qualifying assets placed into service after Jan. 19, 2025; permanently reinstates the ability for small businesses to immediately deduct the full amount of qualified domestic research and development (R&D) expenses in the year they're incurred (which may be retroactively applied for qualifying small businesses); and for purposes of calculating business interest limitations, permanently reinstates the exclusion of depreciation and amortization expenses in the limitation base.
Additionally, small business owners and farmers may benefit from an increase to the allowable expense for qualifying property from $1 million to $2.5 million, potentially enabling them to expense more business equipment purchases. And, finally, the act extends or enhances tax credits for employer-provided childcare and paid family and medical leave benefits.
Individuals and businesses can use additional tax savings to meet current expenses or toward a financial goal, like saving for retirement or moving forward with a business expansion. Consider consulting financial, tax, and legal professionals to help assess specific situations.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Tristan Bezzant.
​​Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation.
Edward Jones, Member SIPC

Are you thinking of separating or going through the divorce process? The Metro-West Boston Divorce Support Group is a confidential peer-support group with no religious affiliation. Men and women from all towns are welcome. Our group has been meeting in Acton for decades. Now we are continuing weekly on Thursday evenings by remote videoconference. For more information, call Doreen 617-957-0838 or contact paulbaker01@verizon.net

A support group for mothers in the loss of a child..........

Saturday August 16, 2025
10:30am-12:30pm

Hudson Public Library
Tavare Room
3 Washington St
Hudson, MA

www.mylesabove.org

Today (7/29) was hotter than hot but client families showed up to “shop” and donors came in a steady stream. We are very low on a lot of items; if you can help us by bringing your used (or new!) items, it would be so appreciated.

We need:
Couches, dish sets, small appliances (toasters, blenders, microwave ovens), and air fryers, book cases, storage cabinets, table lamps and vacuum cleaners.
Kitchen items: Large skillets, large pots, cereal bowls, drinking gasses, pot holders, cooking & baking pans.
Linens: Throw blankets, twin & full bed blankets, crib sheets, towels, queen & full sheet sets.

Finally - we have no shower hooks and liners in inventory at present.

Help if you can!
Check our website for location and hours to donate. www.freshstartfurniturebank.org
Thank you!

Leominster, MA – [July 31, 2025] – Habitat for Humanity North Central Massachusetts is thrilled to invite community members, businesses, and supporters to the Annual Building Dreams Golf Tournament on Tuesday, September 9, 2025, at the stunning Red Tail Golf Club in Devens, MA.

This exciting event brings together golf lovers and community champions for a day of fun, networking, and philanthropy — all in support of Habitat NCM’s mission to build strength, stability, and self-reliance through shelter.
Event Details:
Red Tail Golf Club – Devens, MA
Tuesday, September 9, 2025
Schedule:

• 7:00 AM – Registration
• 8:15 AM – Shotgun Start
• Lunch immediately following play

Whether you're swinging for the green or cheering from the sidelines, your participation helps fund three new affordable homes and over 35 critical home repairs each year for families in our local communities.
Golfer spots and sponsorships are available now – but selling fast!
Register today: https://lp.constantcontactpages.com/ev/reg/8gfsyam
A special thank you to our generous sponsors, whose support makes this event possible:
All One Credit Union, The Law Office of David R. Rocheford, Jr., P.C., Rollstone Bank & Trust, McCarty Companies, Package Steel Systems, Inc., Main Street Bank, Doors Unlimited Inc., J Ferrera Associates, Inc., Rotary Club of Nashoba Valley, James Monroe Wire & Cable, GFA Federal Credit Union, Fidelity Bank MA, The Majestic Group, Powell Stone & Gravel, DMH Electric, Inc., Middlesex Savings Bank, Country Bank, Darcangelo Realty Group, and New England Sheets.

About Habitat NCM 
Habitat for Humanity North Central Massachusetts (NCM) offers a hand up, not a hand out, to hard-working, low-income families in central Massachusetts seeking affordable homeownership. Through volunteer labor and donations of money and materials, Habitat NCM builds and rehabilitates simple, decent houses alongside our homeowner partner families. Habitat NCM also operates the Leominster ReStore, which raises funds through the sale of discounted or recycled materials and furniture to support Habitat’s mission of providing affordable housing.
 

Congratulations to Debra's 2nd generation owner, Adam Stark. Adam received the 2025 INFRA Cheryl Hughes Brix Award for leadership in the natural products industry. After 9 years on the board of directors in Minneapolis and 30 years in Concord, Adam has made the Deb's Natural Gourmet team proud. The Brix award is because the store is "bricks and mortar". In addition to honoring Adam, his Mother was recognized with the naming of the Debra Stark Award.
If you haven't been to the Concord store, make it a field trip. The store has two locations next door to each other. You will love them both!
 

 

Acton:  Acton-Boxborough Farmer's Market
Runs Sundays June 15 – October 12 10AM – 1PM
Location: Elm Street Playground, Acton
Features live music and a variety of vendors including local produce and artisanal goods.

Maynard: Maynard Farmer's Market
Runs Saturdays 9AM – 1PM from the last Saturday in June to the last Saturday in September
Location: Mill Pond Parking Lot, Main Street in Maynard
Features local produce and products, live music, kids' activities, and information about local nonprofits.

Carlisle: Carlisle Farmer's Market
Runs Saturdays 8AM-12PM until September 27th
Location:  Kimball Farm Carlisle, 343 Bedford Road, Carlisle
Features local produce, baked goods, and arts and crafts.

Westford: Roudenbush Community Market
Runs Tuesdays from 3PM – 7PM until August 26
Location: The Abbot School, 25 Depot St, Westford
Features an assortment of local vendors including fresh local produce and local art.

Chelmsford: Market on the Common
Runs most Saturdays 11AM – 2PM from May 31 – October 11
Location: 1 North Road, Chelmsford
Features local produce, artisans, food vendors, and more.

Hudson: Hudson Farmer's Market
Runs every Tuesday 3:30PM – 6PM through September 23 (except 9/2)
Location: Hudson Town Hall, 78 Main Street, Hudson
Features live music, local produce, baked goods, and local artisans.

Marlborough: Marlborough Farmer's Market
Runs Saturdays 9AM – 1PM
from June 14 – October 4
Location: Behind City Hall, 140 Main St, Marlborough
Features local produce, live music, kids' activities, artisans, and food vendors.






 

Nashoba Valley Technical High School Foundation 12th Annual Craft Fair will be held Saturday, November 22, 2025 from 10 AM - 3PM (Set up 8AM - 9:30AM)
Nashoba Valley Technical High School, 100 Littleton Road (Rt. 110), Westford, MA
Register now for this well-attended event - only 100 spots available!
Vendor fee is $75 (includes an 8 foot spot, and 2 chairs bring your own table or display).
Vendors can now register now for the 2025 NVTHS Foundation craft fair via the following link.
http://weblink.donorperfect.com/nvths_foundation_craft_fair
Any questions, email NVTHSFoundation@nashobatech.net

Join us on Tuesday, August 26th from 2:00PM – 7:00PM at the Maynard-Clinton Lodge of Elks #1568 located at 34 Powdermill Road, Maynard, MA.
Please call 781-461-2052 to schedule an appointment.

Give August 1-28th for $15 e-gift card & successful donations get A1C testing. Terms: rcblood.org/Test.

BOSTON, Mass. (Grassroots Newswire) July 24, 2025 - The following local residents were named to the 2025 spring semester dean's list at Simmons University in Boston:

Alissa Campbell, Acton (01720), Jamilah Kasozi, Acton (01720), Bella Mojica, Acton (01720), Caroline Hayes, Concord (01742), Maliha Malek, Concord (01742), Fay Tubbs, Concord (01742), Sonia Vader, Concord (01742), Emma Cryan, Maynard (01754), Maya McCabe, Maynard (01754), Carly Rieter, Maynard (01754), Charlotte Hogan, Sudbury (01776), Cameron Ostrovsky, Sudbury (01776), Olivia Shienbrood, Sudbury (01776)

To qualify for dean's list status, undergraduate students must obtain a grade point average of 3.5 or higher, based on 12 or more credit hours of work in classes using the letter grade system.

About Simmons University
Located in the heart of Boston, Simmons is a respected private university offering nearly 50 majors and programs for undergraduate women and graduate programs open to all on campus, in blended formats, or entirely online in nursing and health sciences, liberal arts, business, communications, social work, public health, and library and information science. Founded in 1899, Simmons has established a model of higher education that other colleges and universities are only recently beginning to adapt: the combination of education for leadership in high-demand professional fields with the intellectual foundation of the liberal arts. The result is a Simmons graduate prepared not only to work, but to lead in professional, civic, and personal life - a vision of empowerment that Simmons calls preparation for life's work. Follow Simmons on Twitter at @SimmonsUniv, and on LinkedIn at https://www.linkedin.com/school/simmons-university/.

Stow, Mass., Aug. 17 – Join us on August 17 at 10 AM with your animal(s) or representations of them (photos, etc.) as we explore the power they have to lift our spirit and bring us joy. We’ll celebrate by collectively blessing each of them. We will also acknowledge our pets who have crossed the Rainbow Bridge.

The service this week will take place outside on the grounds at First Parish Church of Stow & Acton (FPC). Feel free to bring a blanket or chair. There will not be a virtual service available this week. Childcare is available. The church is located at 353 Great Rd., Stow. The facilities are wheelchair accessible with accessible parking. For more information, visit www.fpc-stow-acton.org.

For 50 years, Minuteman Senior Services has provided older adults, people with disabilities, and their family caregivers with the information and assistance they need to make informed decisions about their care and support, helping them achieve their goals for living in community. Minuteman delivers over 20 programs and services, made possible in large part by the dedication of over 400 volunteers who support Minuteman each year.

We are looking for volunteers to help deliver lunchtime meals to homebound older adults, or to serve congregate senior dining at local Senior Center one day a week during weekdays. For additional information, please contact our Volunteer Coordinator at 781-221-7093 or email volunteer@MinutemanSenior.org.

   The Boxborough Museum at 575 Middle Road will be open from  2 p.m. to 4 p.m. on Sunday August 10.  Come see Boxborough’s historic treasures including the 1850’s scale which is sensitive enough to weigh a penny and strong enough to calibrate a 50 pound weight, the “new” hearse built in 1881, and the “old” hearse (come and see how old is old).  Admission is free and all are welcome. For more information or if anyone wishes to arrange a private tour for a small group at a different time please call John Fallon at 978-264-0069.

The Council on Aging at the Human Services & Senior Center is located at 30 Sudbury Rd, Rear.
Telephone: 978-929-6652            
Email: seniorcenter@actonma.gov       
Website: www.actoncoa.com/  
Facebook:  www.facebook.com/actoncoa​
Opening Hours:  Monday: 8:00am-4:00pm, Tuesday: 8:00am-6:00pm, Wednesday & Thursday: 8:00am-4:00pm, Friday: 8:00am-12noon

Monday Movie Matinee
A Raisin in the Sun
Monday, August 4th, 1:00-3:10pm (1961) A substantial insurance payment could mean either financial salvation or personal ruin for a poor black family. Sidney Poitier, Claudia McNeil, and Ruby Dee star.

Assistance Signing Up For COA Notifications with Sarah
Tuesday, August 5th, 11:00-12noon              
Open to all 60+/free
One of the major ways the Council on Aging gets the word out about program cancellations is through automated notifications. You can also choose to be notified when the monthly newsletter has been posted online. Drop by the Senior Center, and our intern Sarah will walk you through the steps to receive notifications! Bring your smartphone, laptop, or tablet. You can also sign up directly at www.actoncoa.com/list.aspx and select which notifications you want and whether to be notified by email or text.

The Life and Times of Harry Houdini
Tuesday, August 5th, 1:00-2:00pm 
Open to out-of-town 60+ for $5
In honor of the 150th anniversary of Harry Houdini’s birth, Jack Ryan will present highlights of Houdini’s fascinating life as a magician, escape artist, author, pilot, movie director, actor, athlete, spirit-debunker, humanitarian, and acrobat. This entertaining lecture will include a psychic demonstration. Jack himself is a magician and is an expert on this American icon.

How to Add Widgets to Your iPhone
Wednesday, August 6th, 10:00-11:00am                                      
Open to all 60+/free
Upgrade your iPhone home screen with widgets that will display pictures, shortcuts into apps, and make your iPhone more accessible. Instructions will be given on how to install widgets during each class, and each individual will be able to personalize their iPhone with either pictures of friends, family, or bigger icons of various apps. Class is led by our summer intern and long-time volunteer Sarah Willard.
Intro to Photography Using the iPhone
Wednesday, August 6th, 11:00-12:00noon                
Open to all 60+/free
Become an expert in iPhone photography by discovering new tricks and tips on how to make pictures come out looking great! Instruction will be given on how to use different settings on the camera app as well as varying feedback on taking photos, such as framing and lighting. Our summer intern and long-time volunteer Sarah Willard is leading this class.

Henry David Thoreau: Civil Rights & Civil Disobedience
Thursday, August 7th, 1:00-2:00pm                               
Open to all 60+/free
Join Richard Smith from the Thoreau Society for a thought-provoking exploration of Thoreau’s participation in the Underground Railroad, his abolitionist views, his night in jail, and how his writings have historically inspired civil rights movements around the world.

Coffee and Conversation with Tracy Woods
Fridays, ongoing, 10:00-11:00am       
Open to all/free
Join Tracy Woods for a weekly coffee and conversation group where you can talk about what’s on your mind with your peers. Group is ongoing; new participants are welcome. Tracy Woods is a certified Older Adult Peer Specialist. All are welcome to this joint venture between the Acton Council on Aging and the Northeast Independent Living Program.
 

In the age of social media, it’s easy to find advice on just about anything — including how to manage your money. Content creators known as “finfluencers” — short for financial influencers — use platforms like TikTok, YouTube and Instagram to share their takes on investing, budgeting and building wealth. Many of them are charismatic and relatable, and they often speak from personal experience. But while their content may be engaging, taking financial advice from a finfluencer without digging deeper can come with significant risks.
While some finfluencers may have formal training or credentials, many do not. Instead, their influence stems from their popularity rather than professional experience. But popular advice may not necessarily be good advice. A 2025 study by the Swiss Finance Institute even found that unskilled finfluencers typically have larger followings than skilled ones.

Why be cautious?
For young or new investors, social media can make finance feel accessible. In fact, a 2022 FINRA study says that more than 60% of Americans younger than 35 get investing information from these platforms. But social media isn’t regulated the same way traditional financial advising is, so anyone, qualified or not, can offer financial tips.
Unlike traditional financial advisors, finfluencers don’t know your unique goals, financial situation or risk tolerance. And likely, they're not licensed (you can check here: Check Out Your Investment Professional | Investor.gov). Even well-meaning guidance might lead you down a risky path if it’s not tailored to your needs. And unfortunately, some finfluencers have exploited the trust they build with followers to promote questionable investments or outright frauds.

Warning signs to watch for
Here are a few signs that a finfluencer’s advice may be worth avoiding:

• Unrealistic “get-rich” promises: Claims like, “Turn $500 into $50,000 in a year,” are highly improbable and may indicate a scam.
• Hurry, hurry: Be wary of advice that pressures you to act fast or plays on fear of missing out. Important financial decisions shouldn’t come with a countdown clock.
• Flashy displays of wealth: Images of luxury cars, watches or cash can be more about generating views than offering sound advice. If a finfluencer is trying that hard to convince you to take an action, it often means they will profit — perhaps they’ll get paid to promote a product or service, or earn a fee for referring you, or are trying to boost clicks and followers to earn more.

What you can do

• Do your own homework. Don’t take finfluencers’ advice at face value. Cross-check it with reliable sources. The finfluencer may even be under investigation by a federal or state securities regulator. Talking to a licensed financial advisor you trust can help you discern good advice from the bad.
• Recognize conflicts of interest. If a finfluencer promotes a product or service, find out if they’re being paid to do so. And remember, online personalities make money by generating high viewership, not because their advice has a track record of success.
• Use common sense. When something sounds too good to be true, it usually is. And of course, never disclose your bank or brokerage account numbers to a finfluencer, and never send money.

Finfluencers can make financial topics more engaging and accessible. But when it comes to your money, a social media video from someone who doesn’t know you is no substitute for informed, personalized guidance. Take the time to verify, research and, when in doubt, seek advice from a professional.

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

 

WHAT: The New England Aquarium is hosting a book signing for Charlesbridge Publishing’s recently published Turtles Heading Home! by Liza Ketchum, Phyllis Root, and Jacqueline Briggs Martin. The new book follows the efforts of Massachusetts conservationists as they rescue critically endangered Kemp’s ridley sea turtles, provide rehabilitation, and release them back to their ocean home. The Aquarium’s year-round Sea Turtle Rescue and Rehabilitation work to save and protect cold-stunned sea turtles is featured throughout the book, along with imagery captured by the Aquarium’s photographer, Vanessa Kahn. The book is geared towards 6–9 year olds, and  readers will walk away from the book knowing more about the rescue efforts necessary to save the species from the impacts of changing ocean temperatures.
The authors will hold a brief talk at the start of the event to welcome attendees and provide an overview of the book. Books will be available for purchase on-site.
WHEN: Wednesday, August 6 from 1:00 – 2:00 p.m.
WHERE: In person at the New England Aquarium’s Simons Theatre lobby, 1 Central Wharf, Boston.
HOW: No registration or tickets are needed—attendees are welcome to arrive and enter the theater lobby freely.
WHO: 

• Liza Ketchum is the author of seventeen books for young people, including The Life Fantastic and The Last Garden. Her books have appeared on the ALA’s Best Book lists and the New York Public Library’s 100 Titles for Reading and Sharing. She and her husband divide their time between Vermont and Massachusetts. Www.lizketchum.org
• Jacqueline Briggs Martin is the author of over twenty picture books for children, including award-winners Snowflake Bentley, a Caldecott medal winner, and Creekfinding: A True Story, recipient of the Green Earth Award for Environmental Writing for Children and a Riverby Award. Jacqueline lives in Iowa with her husband. www.jacquelinebriggsmartin.com
• Phyllis Root is the author of fifty books for children, including Big Belching Bog; Plant a Pocket of Prairie; One North Star; Big Momma Makes the World, a Boston Globe-Horn Book Award winner; and The Lost Forest, a National Outdoor Book Award winner. Phyllis resides in Minneapolis, Minnesota. www.phyllisiroot.com

ABOUT THE NEW ENGLAND AQUARIUM: The New England Aquarium  is a nonprofit research and conservation organization that has protected and cared for our ocean and marine animals for more than 50 years. We provide science-based solutions and help shape policies that create measurable change to address threats the ocean faces. We inspire action through discovery and help create engaged, resilient communities.

ABOUT CHARLESBRIDGE: Charlesbridge publishes high-quality books for children, with a goal of creating lifelong readers and lifelong learners. Our books encourage reading and discovery in the classroom, library, and home. We believe that books for children should offer accurate information, promote a positive worldview, and embrace a child's innate sense of wonder and fun. To this end, we continually strive to seek new voices, new visions, and new directions in children's literature.
 

Are you thinking of separating or going through the divorce process? The Metro-West Boston Divorce Support Group is a confidential peer-support group with no religious affiliation. Men and women from all towns are welcome. Our group has been meeting in Acton for decades. Now we are continuing weekly on Thursday evenings by remote videoconference. For more information, call Doreen 617-957-0838 or contact paulbaker01@verizon.net
 

“Moments in Time and Place” a collection of oil paintings by Judith-Grace Miller will be on display for the month of August at the Munroe Gallery, located on the 2nd floor of the Concord Free Public Library. Opening reception will be Thursday, August 7 from 5-8pm. These colorful paintings will take you back to magical summers at the beach, fresh lobster rolls, and basking in the sun with family and friends. The paintings will range from seascapes, figurative works, and architecture to local scenes painted en plein air. The event is free and open to the public. The Concord Free Public Library is located at 129 Main St, Concord, MA. Learn more at www.judymillerartist.com

What's Happening? Your young aspiring musicians will get a special introduction to the violin and cello! They'll learn about the different parts of these beautiful instruments, listen to engaging songs performed live, and here's the best part – they'll even get a chance to try playing them themselves!

Event Details:

• When: July 28, 11:00 AM - 11:45 AM
• Where: Acton Memorial Library
• Instructor: CCM's wonderful Emma Gies
• Cost: FREE!

Advanced registration is recommended to secure your child's spot! https://actonmemoriallibrary.assabetinteractive.com/calendar/stringed-demonstration-for-children/

During the summer months, we may see signs of unwanted critters in our waste bins, compost, and sometimes inside the home. This information session - open to the public- welcomes all interested participants with questions about alternatives to rat poisons, tips for incorporating Integrated Pest Management at home or work, and ways to be involved locally in the growing statewide Rescue Raptors campaign to protect wildlife through restricting use of harmful rodenticides. Join us Thursday, July 31st 6:30-7:30pm at Maynard Public Library, 77 Nason Street Maynard MA. Hosted by Green Maynard and Save Maynard Wildlife. 

CONCORD,MA – The Domestic Violence Services Network, Inc. (DVSN) is pleased to announce a FREE Volunteer Advocate Training program for interested community members.  DVSN provides emotional support, risk assessment and safety planning for victims of domestic violence in our 13 member communities.

The 40-hour training is designed to familiarize volunteers with the many aspects of domestic violence and give them the skills necessary to provide confidential and appropriate services to DVSN’s clients. Once trained, DVSN’s volunteer Advocates provide direct service over the phone, at the Concord District Court, and at Emerson Hospital to people affected by domestic violence.
The September 2025 training will be held at the Lexington Police department starting on September 8 to September 26; Monday and Wednesdays from 4:00 PM to 7:00 PM and Fridays from 9:15 AM to 3:30 PM.  for those who decide to activate as Advocates, there is an additional 10 to 12 hours of supervised field training at the completion of the classroom segment. 
The training is provided at no cost to attendees. All necessary materials will be provided.  For more information about the training or to request an application, call (978) 318-3421 or send an e-mail to training@dvsn.org . Applications are due no later than Friday, August 29, 2025.
To learn more about DVSN and its programs, services, and events, visit DVSN.org.
DVSN member communities: Acton, Bedford, Boxborough, Carlisle, Concord, Lexington, Lincoln, Maynard, Stow, Sudbury, Wayland, Weston and Hanscom Security Forces.

It’s important to save for retirement, but only half of Americans have calculated how much money they’ll need, according to the 2024 Retirement Confidence Survey by the Employee Benefit Research Institute. Yet without knowing how much you'll need, it's hard to know if you're on track to reach your goals for retirement.
Here are a few considerations to help shape your retirement savings strategy.
Calculate how much you’ll need. You may dream of retiring “comfortably,” but how do you define “comfortable” in terms of actual money? Take the time to outline how much you spend now, and how much you think you’ll spend in retirement. That will help you understand how much you need to save now to afford the retirement lifestyle you want later. A financial advisor can help with resources and knowledge for building and managing your retirement strategy.
Start saving now. It’s easy to procrastinate, especially if you are younger and further away from retirement. But the earlier you start, the less you may need to save from each paycheck to build your funds over time. If you’re closer to retirement, you can take advantage of catch-up contributions to most 401(k), 403(b), governmental 457 plans and the federal government’s Thrift Savings Plan. If you’re 50 or older, you can save pretax an extra $7,500 to your retirement account beyond the standard total limit of $23,500 allowed in 2025. Those 60–63 years old can contribute to these plans an extra $11,250 above the standard total limit. That’s an annual total of $31,000 for people ages 50 and older; or $34,750 for those 60–63 years old in pretax retirement plan contributions.
Take the right amount of risk. You may think it’s risky to put money away for retirement instead of keeping it handy for discretionary spending. But the biggest risk of all is not reaching your retirement goal. For example, a portfolio that’s all in cash will have little increasing value over time and won’t provide any growth potential even to keep up with inflation. It's as if you're losing money every year. Then again, if your investments are only keeping up with inflation, your money is not growing. Consider growth investments to help build the funds you’ll need in retirement. The key is ensuring you have the appropriate amount of risk — not too much, but not too little — to achieve your growth goals.
Save separately for emergencies. To protect your hard-earned retirement savings, build an emergency fund separate from your long-term investments. It can help ensure you have what you need to cover surprises like a large auto repair, unexpected medical bills, temporary loss of income from changing jobs or early retirement caused by health issues. For most people, three to six months’ worth of total expenses is an appropriate amount for an emergency fund. And you'll want to keep it in an accessible, low-risk account that holds cash and equivalents. Above all, try to avoid taking money from your long-term retirement investments. Doing so could result in taxes, penalties and reductions to your overall principal investment, all of which could affect your retirement savings.
Retirement should be an exciting time to enjoy what you’ve worked so hard to earn. Planning for what you’ll need and protecting those savings can help ensure a comfortable future.


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

 

Looking to add a canine member to your family?

Join Save A Dog on Saturday, July 19, from 10 am to 12 pm at our “Meet and Greet” adoption event at Wag N’ Wash, 1173 Main Street in West Concord. Meet the adorable dogs and puppies looking for their forever homes and speak directly with staff who can introduce you and tell you more!

Information about Save A Dog’s adoptable dogs (and cats!) can be found on the website: www.saveadog.org. Potential adopters are encouraged to fill out an online adoption application beforehand which helps streamline the adoption process and find the best match for you and your household.

Now in its 27th year of rescue, Save A Dog has found loving, forever homes for nearly 9,000 homeless pets through its Sudbury shelter and network of dedicated foster homes,

See you Saturday!
 

The Council on Aging at the Human Services & Senior Center is located at 30 Sudbury Rd, Rear.
Telephone: 978-929-6652            
Email: seniorcenter@actonma.gov       
Website: www.actoncoa.com/  
Facebook:  www.facebook.com/actoncoa​

Opening Hours: 
Monday: 8:00am-4:00pm
Tuesday: 8:00am-6:00pm
Wednesday & Thursday: 8:00am-4:00pm
Friday: 8:00am-12noon

Monday Movie Matinee
Romance on the High Seas Monday,
July 21st, 1:00-2:40pm
(1948) Romantic misunderstandings abound on a cruise when spouses suspect each other of infidelity. Cast includes Jack Carson, Janis Paige, Oscar Levant, Don DeFore, and Doris Day in her first movie role. Received two Oscar nominations—best original song (Jule Styne and Sammy Cahn) and best music scoring/musical (Ray Heindorf).

Life Chapters: Stories Worth Sharing (Life Stories in print copy)
Tuesday, July 22nd, August 12th, 11:00-12noon                                      
Open to all 60+/free
AB student Matt is excited to lead a special discussion group focused on sharing your life stories and wisdom with younger generations. Whether it's a cherished memory, a life lesson, or a turning point in your journey, your voice matters. Join Matt in a relaxed, meaningful conversation about how you would like your story to be heard and remembered. Let’s connect generations one story at a time.

Technology Assistance Clinic
Wednesday, July 23rd, and August 13th, 27th, 1:30-3:00pm          
Open to all 60+/free        
All seniors are welcome to participate in this drop-in Technology Clinic whenever the need arises.  Bring your technology questions, problems, and issues related to your computer, phone, or tablet. If possible, bring the problem hardware with you to the session.  Several regular attendees are willing to share their experiences, and work with you, one-on-one, to address technology issues, from Windows system difficulties, email setups/usage, networking issues, upgrades, and assistance with “how do I” frustrations. MAC and Chrome/Android users are welcome.  If you are unable to attend in person and would like to talk with a Clinic member via Zoom or phone, please contact the COA and we will forward your information to a Clinic member.

Java with John
Tuesday, July 22nd, 9:30am                                                                     
Acton 60+ only                                                                                
Town Manager John Mangiaratti will be at the Senior Center to update you on what is going on in Town and answer any of your questions. Light refreshments will be served. Acton TV will be filming this live broadcast.

The Art of Decluttering and Downsizing: A Workshop for a Simpler Future
Tuesday, July 22nd, 1:00-2:00pm                                                                           
Open to all 60+/free
Do you feel overwhelmed by your “stuff?” Is it holding you back from enjoying your space more or from downsizing to a smaller space that will help you live your next dream in life? Clearing out clutter and organizing can be challenging, both physically and emotionally. And it can be difficult to know where to start. In this workshop, Realtor® and organizing/decluttering expert Nancy Slocum will discuss strategies and proven tools and techniques to help you begin carrying out the process.

LitLovers Study Group/Masterpieces of Short Fiction: The Real Thing
Tuesday, July 22nd, 2:30-4:00pm                                         
Open to all 60+/free
The group will view 30-minute lecture from The Great Courses: Masterpieces of Short Fiction, followed by a discussion on the lecture, the featured story, and the author. July’s story is The Real Thing by Henry James. Short stories have the unique ability to deliver a powerful emotional impact within a concise format, and we are studying some of the best! Upcoming authors include Ernest Hemingway, D.H. Lawrence, Flannery O’Connor, Franz Kafka, James Baldwin, and Margaret Atwood. Copies of the stories are provided at the previous month’s meeting; if you would like a copy emailed or wish to pick up a hard copy at the Senior Center, please contact facilitator Chris Chirokas at cchirokas@actonma.gov or 978-929-6652. The group is not meeting in August.

Words Galore via Zoom                      
 Thursdays, July 24th through August 14th, 9:00-9:55am                               
Open to all 60+/free
Join Val Walker via Zoom for the summer session of fun and lively word play and brain twisters—a logophile’s paradise! Learn new words, explore the history of old words and delve into the origins of words. Enjoy limericks, riddles, famous quotes, puns, and fascinating trivia about trendy words. Play guessing games with the dictionary and words-within-word games. Contact the COA at seniorcenter@actonma.gov to receive the Zoom link.

What to Consider When Purchasing an Emergency Response System
Thursday, July 24th, 1:00-2:00pm                                                                                 
Open to all/free
 Darlene Messier of Connect America will discuss what is helpful to know before purchasing a personal emergency response system (PERS). Darlene’s company owns Lifeline but she will talk about what to look for in buying any medical alert system. Do you want one that connects to a landline and only works at home? Or a GPS system that can be used away from home? Or is automatic fall detection important to you? There is a lot to consider! The typical cost, financial assistance available from agencies like Minuteman Senior Services, what to consider before signing a contract, and the uses of alert systems beyond getting assistance after a fall such as medication management will also be covered.

 

Please join us on:

Sunday July 20
2-4 pm

Hosmer House museum
300 Main Street
Acton, MA
​
Parking is available next to the museum.

SCAM ALERT: FAKE LAW ENFORCEMENT CALLS
We want to alert our community to a new scam involving individuals impersonating local police officers and federal agents.
Scammers are spoofing legitimate phone numbers and claiming your identity has been compromised. They then instruct victims to wire money or move funds as part of a “federal investigation.”
REMEMBER:
- The Acton Police Department or the FBI will NEVER ask you to send money, wire funds, or provide personal banking info over the phone.
- Caller ID can be faked, don’t always trust the number you see.
- If you receive a suspicious call, hang up and call us directly to confirm.
- If something doesn’t seem right, call us before taking action: [978-929-7711]
Help us keep our community safe. Spread the word.

Here are some highlights from the FY26 budget, which was recently signed by the Governor.
This year's budget includes $5 million to fund an immigration legal defense fund, granting legal representation to immigrants and refugees in immigration court hearings amidst the heightened federal crackdown. It also increases the state’s per pupil minimum aid from $104 to $150, bringing additional funding to our schools. The FY26 budget also sets aside $25,000 for PFAS-free Fire Turnout Gear for the Acton Fire Department, $25,000 for new emergency radio equipment in Acton and $50,000 for costs related to building a new senior center in Ayer.
More information can be found at repdansena.com.

 

BOXBOROUGH, MA – Open Door Theater of Acton and Think Outside the Vox (Vox) are proud to present the fourth annual Ask Me Fair - a living library experience designed for families and open to all. This is a free event on Saturday, July 19th from 2:30-4:30PM at Sargent Memorial Library in Boxborough, MA, with support from the Mass Cultural Council and the Acton-Boxborough Community Compass (formerly AB United Way).

Ask Me Fair was founded by President of Open Door Theater and Vox co-founder Sam Gould after her daughter was the target of anti-semitism by a classmate in 2019. Now in high school, she still witnesses racist, ableist and anti-semitic displays in the hallways. “We conceived this open forum of curiosity and exchange of ideas together, because once you meet someone, it is more difficult to dehumanize them,” says Gould. “The feedback from the participants is overwhelmingly positive and has inspired some children to explore other cultures, such as taking a class in ASL or joining a club or affinity group.”

This year’s presenters are a diverse group of adults who have different disabilities, cultural backgrounds and professional experiences as artists, musicians, activists, advocates and scientists. Together, presenters and attendees will engage in small group discussions to explore intersectionality and foster curiosity and community.

Accessibility features of this free event includes ASL Interpreters, closed captions, audio description, sighted guides, and braille materials. The venue has wheelchair-accessible entrances and bathrooms. FREE to attend with refreshments and prizes provided. Pre-registration requested at tinyURL.com/AskMeFair2025.

About Open Door Theater:
Open Door Theater has provided accessible opportunities for all including underserved audiences and participants to enjoy live theater for over 45 years. They’ve produced high-quality productions that feature crew and actors who are Deaf, disabled, Autistic, neurodiverse, Blind and/or have mobility and cognitive challenges. OpenDoorTheater.org. IG: @AccessibleTheater
About Think Outside the Vox:
Think Outside the Vox (VOX) is an arts accessibility nonprofit that trains and facilitates Deaf, Blind and disabled professionals to develop and diversify the voices of accessibility in the arts. Vox collaborates with theaters, museums, cultural institutions and arts organizations to improve their accessibility practices, remove barriers and amplify Disability Justice & Joy in these spaces. Visit ThinkOutsideTheVox.org. IG: @Think_Outside_The_Vox
Help Maynard/Clinton Elks by Sponsoring a Wreath for Wreaths Across America

The national nonprofit Wreaths Across America (WAA) announces the kickoff of its annual Giving in July campaign! For WAA, this annual celebration is dedicated to local groups and individuals participating in the organization’s Sponsorship Group Program. Through this unique program, supporters can help local programs make a difference in their communities with each $17 sponsorship to WAA.  The Maynard/Clinton Lodge of Elks #1568 has chosen to use this opportunity to purchase additional wreaths for our veterans, continuing our goal to place a wreath on every veteran’s grave at St. Bridget’s Cemetery in Maynard. You can purchase online here:  www.wreathsacrossamerica.org/MA0135 (Please note wreaths can also be purchased for veterans by their family at Glenwood Cemetery, contact us at 9787-897-9907 for more information.) Or you can mail your check to:  Wreaths Across America, PO Box 249, Columbia Falls, ME 04623 (Please be sure to include our code, MA0135, when you place your order.)

WAA has given back more than $28 million in local contributions through this national program over the last 17 years!

“I have long said it would be disingenuous for us as an organization whose mission is to Remember the fallen, Honor those who serve, and Teach the next generation the value of freedom if we do not support other like-minded programs doing just that in their communities,” said WAA Executive Director Karen Worcester. “Our Sponsorship Group Program is a year-round effort, but through ‘Giving in July,’ we hope to remind people that across the country there are programs providing resources to our nation’s veterans, active-duty military and families who need our support now.”

 More than 5,000 locations will participate in National Wreaths Across America Day this year on Saturday, December 13, 2025. Maynard/Clinton Lodge of Elks will be participating on this day at 12:00 at St. Bridget’s Cemetery in Maynard.  This free event is open to all, and WAA encourages community members to participate by volunteering locally or sponsoring a wreath for an American hero.  Please plan to join us.

 

ALL are welcome to join us to Help Eradicate Loneliness! On Saturday, July 26th 1-3pm we are hosting an opportunity to help eradicate loneliness by sending cards to those in need. Cards will be for sale or make your own. The more you buy, the cheaper they are. Bring at least 2 addresses of someone you know needs to receive a card & we will supply the stamp! 
Proceeds from the event will be donated to our Loving Hearts fund, a fund to help those in need. West Acton Baptist Church, 592 Mass Ave., Acton MA, at the intersection of Rt. 111 & Central St. More information is on our website: Community Events - West Acton Baptist Church

There’s a quote about the importance of setting goals that says, “If you don’t know where you’re going, any path will take you there.” You probably have dreams about retirement, vacations, hobbies and more. But if you don’t have a strategy with financial goals in place, you may not make the choices that can best set you on the path to achieve those dreams.
Setting goals helps define and showcase your purpose, passions and priorities. And establishing your own strong financial goals can help you earn and enjoy a wide variety of short- and long-term achievements throughout your life. When you reach your financial goals, you can feel a sense of accomplishment in seeing your efforts literally pay off. But how do you get started?
Prioritize your needs and wants. Think about the things that are most important to you and then outline them as financial “must-haves” and “wish-list” targets. Start with the big-ticket items and work through to ideas that may not cost as much. A must-have for many people is having enough to live comfortably through retirement. Being able to afford the college of your child's choice, without incurring mounds of debt, is another. Your wish list, on the other hand, may include things like saving for vacations, hobbies or entertainment expenses.
Create detailed short- and long-term goals within your financial strategy. It’s important to be specific about the goals you want to achieve and how much you’ll need to achieve them. One way to do this is by making your goals measurable. Assign estimated dates and costs to each goal so you can plan how much to save and how much time you have before you need the money. For example, for your retirement goal, be specific about how many years before you want to retire. And once you do, how you plan to spend your time — perhaps traveling the world, turning your hobby into a business or taking your grandkids on outings. These can have vastly different price tags.
Be willing to compromise. Reaching one, or more, of your goals may mean compromising. If your must-have is building your dream home but it's not looking quite affordable, you may need to make a trade-off — build it a bit smaller, work a year or two longer or trade in some of your wish-list goals so you can stay focused on your must-haves.
Hold yourself accountable to stay on track. Once your strategy is in place, it’s not a set-and-forget exercise. Actively tracking your progress and managing your decisions and actions can help you be better positioned to reach your goals. Use time-tested principles for making financial decisions, not predictions. Diversify, own quality investments and keep a realistic perspective, especially for your long-term goals. Maintain your focus and don’t let your emotions control your investment decisions. It can be helpful to meet with a financial advisor at least annually to review your full financial strategy, address any changes in your life or your goals, and discuss your progress and new ideas.
As you achieve certain milestones, celebrate them. You may even want to refresh your outlook with new goals. Take pride in your ability to strategize and accomplish a personal financial goal for yourself by following the path you envisioned and created.

 

Please join the Acton Commission on Disabilities in celebrating the 35th anniversary of the signing of the Americans with Disabilities Act

Sunday, July 27th (11 am to 2 pm ... rain or shine)

NARA Park 25 Ledge Rock Way (Lower pavilion) (wheelchair accessible)

We will provide sandwiches and flavored seltzer water

Acton residents can reserve a free, accessible ride there and back by calling 978-844-6809

OPEN  TO  ALL

 

Looking for friendship and good conversation?  The Nashoba Valley Neighbors Club would like to invite you to connect with our members on Sunday July 13th at our Summer Open House at Nara Park in Acton.  We will meet at the Nara Park Bathhouse Pavilion from 3 PM to 7 PM to enjoy friends, games, food, and beverages.  Everyone is bringing a favorite appetizer, meal, or dessert to share.  If you would like more information, or to join us, please RSVP to info@nashobavalleyneighbors.org.
Our ongoing public events are Lunch Bunch, Movie Night, Book Club, Dinner Group, Trivia Nights, Game Nights, and Wine Tastings, as well as Mens and Ladies Night out.
The Nashoba Valley Neighbors Club is a non-profit social organization open to new and established residents from Acton, Boxborough, Chelmsford, Groton, Littleton, Westford, Maynard, and Harvard.  Originally called the Welcome Wagon Newcomers Club of Acton, and then the Acton-Boxborough Newcomers & Neighbors Club, in 2014, we became the Nashoba Valley Neighbors Club to reflect our current members and their interests.  Our club welcomes any residents in the surrounding communities that are looking to explore new interests and to make connections with new friends.
Find us on Facebook or visit the Club’s website at http://www.nashobavalleyneighbors.org for more information, as well as information on how to become a member of the Nashoba Valley Neighbors Club.  We look forward to seeing you!

ALL are welcome to join us to Help Eradicate Loneliness! On Saturday, July 26th 1-3pm we are hosting an opportunity to help eradicate loneliness by sending cards to those in need. Cards will be for sale or make your own. The more you buy, the cheaper they are. Bring at least 2 addresses of someone you know needs to receive a card & we will supply the stamp! 
Proceeds from the event will be donated to our Loving Hearts fund, a fund to help those in need. West Acton Baptist Church, 592 Mass Ave., Acton MA, at the intersection of Rt. 111 & Central St. More information is on our website: Community Events - West Acton Baptist Church

 

Like books, every individual has an interesting, important story to share and there is value in discussion. Join us for the ASK ME FAIR Living Library Event on Saturday, July 19 from 2:30-4:30 PM at the Sargent Memorial Library in Boxborough (427 Mass Ave). Recommended for Ages 7 to 97. FREE to attend. Pre-registration requested at: TinyURL.com/AskMeFair2025
The Purpose of the ASK ME FAIR: To allow children and adults to ask questions, listen, learn, and gain more understanding of people who may be different from themselves. The presenters are a diverse group of adults who have interesting life experiences and are willing to share personal experiences to foster dialogue and curiosity and community.
This event is presented by Open Door Theater of Acton and Think Outside the Vox, with support from the Mass Cultural Council and the Acton-Boxborough Community Compass (formerly AB United Way).

 

 

The Council on Aging at the Human Services & Senior Center is located at 30 Sudbury Rd, Rear.
Telephone: 978-929-6652            
Email: seniorcenter@actonma.gov       
Website: www.actoncoa.com/  
Facebook:  www.facebook.com/actoncoa​

Opening Hours: 
Monday: 8:00am-4:00pm
Tuesday: 8:00am-6:00pm
Wednesday & Thursday: 8:00am-4:00pm
Friday: 8:00am-12noon

Monday Movie Matinee
Dodsworth
Monday, July 14th, 1:00-2:40pm
(1936) A retired auto manufacturer and his wife take a European vacation only to find they want very different things from life. Walter Huston and Ruth Chatterton star in this drama based on the book by Sinclair Lewis. Seven Oscar nominations, including for best picture with win for art direction. This film is shown in collaboration with the Acton Memorial Library.

Tech Assistance with Matt
Tuesday, July 15th, 29th and August 19th 10:00-12noon                          \
Open to all 60+/free                                                               
AB student Matt will be here to assist you with any of your tech needs or questions. No appointment necessary; just stop by and see him in the lounge.

Understanding Property Valuation: Assessments, Appraisals, and Market Analysis
Tuesday, July 15th, 11:00am-12:00pm                 
Open to all 60+/free
Have you ever wondered about the differences between market value, assessed value, and appraised value? What are their purposes, and when should each method be used? How can you verify that your property's value is accurate, and if it's not, how can you update your information to potentially save money? Realtor® Heather Murphy will also touch on the current real estate market conditions and new rules coming our way. Heather Murphy, who has over 30 years of experience in real estate, is with Keller Williams Realty Boston North West.

Healthy Eating Presentation
Tuesday, July 15th, 1:00-2:00pm                                           
Open to all 60+/free                                                               
Join Deaconess Abundant Life Services for a presentation on “Healthy Eating for Older adults” at the Acton Senior Center.  Information and tips on how to choose the right foods as we age. Deaconess Abundant Life Services is a network of residential communities that includes Newbury Court in Concord.

Meet and Greet: Rosie Latto New Rainbow Coordinator
Tuesday, July 15th, 2:00-3:00pm                                                  
Open to all 60+/free
Come meet Rosie Latto who has joined the Acton Rainbow Planning Team and will help COA staff plan programs for LGBTQ+ older adults. Rosie is an Acton resident who shares the vision of the planning team in meeting the programming needs of older LGBTQ+ adults. Please bring your program suggestions and we’ll brainstorm ideas together! Refreshments will be served.

The A&W Ukulele Players Performance
Thursday, July 17th, 1:00-2:00pm                                       
Open to all 60+/free
Don’t miss this fun afternoon as the Awesome & Wicked Good Ukulele Players (A&W for short) as they perform a lively and upbeat mix of popular music spanning the decades from the 1920s through the 1990s. They will sing and strum everyone from Chattanooga Choo Choo to Crazy Little Thing Called Love with many songs by the Beatles in between. Audience members are invited to sing along, play provided percussion instruments, and even dance the hula. A&W was started in 2016 by leaders Marisa Cacciatore and Jerry Dallal and is composed of some 20 players from Littleton to Jamaica Plain. Stay after the performance for a root beer float!

Hot Topics Discussion Group                                    
Wednesdays, 10:30-11:45am                                                                 
Open to all 60+/free
This group is an opportunity for people to talk about present or recent major issues of the day. Each member is expected to offer or suggest a topic or issue for the group to engage in and to actively participate as a leader or learner. Facilitated by Sal Lopes.

Laugh for Your Health with Susan Phillips                       
Thursdays, 11:00am-12:00noon                                                                                  
Laughter is an instant vacation! Come join us as we do easy and fun seated laughter exercises to shift our mood, relieve stress, relax our whole body, positively connect with others, and infuse our whole being with joy! In this interactive program, we learn how to generate our own laughter without relying on jokes. This worldwide practice is called Laughter Yoga, but there are no mats or yoga poses. We add yoga breaths, which are deep belly breaths, for soothing breaks between exercises. Come enjoy all the health benefits the power of giggles has to offer and leave feeling relaxed and refreshed! Funded by an Executive Office of Aging & Independence grant. Susan Phillips, M.Ed. is an Integrative Health Coach and Laughter Yoga Teacher. Her workshops promote laughter as a tool to build joy, resilience, connection, and collaboration.
 

Acton Historical Society Open House, 300 Main St. Saturday, April 19 2pm-5pm

A new exhibit in the Hosmer House Keeping Room and Dining Room/parlor on Acton’s engagement in the Battle at the Concord Bridge. We’ll display historical documents, lists of men who fought in the War, maps of the line of march to Concord and house locations of some members of the three Acton companies that joined the fight. We are also digging up photos of Acton Minute Men’s reenactment marches over the years and other related items. You’ll be surprised to see one of the Minutemen on duty in the Hosmer House. Contact: JenksLibrary@verizon.net or check our website: www.actonhistoricalsociety.org.  Welcome all!