Action Unlimited

Northborough's 3rd Annual Jack-O-Lantern Contest and Stroll 

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NORTHBOROUGH: Back by popular demand, the Northborough Community Affairs Committee is excited to announce the 2022 Jack-O-Lantern Contest and Stroll during Halloween weekend. Jack-o-lanterns provided by Northborough residents will be on display at the Town Common starting Friday, October 28 and will stay lit through the weekend for all ages to enjoy. 

Residents can sign-up now to participate and members of the community will be able to vote for their favorite creative designs.  The Committee is accepting up to 100 entries this year. Entry is free, although registrants are asked to make a suggested donation to the  Northborough Food Pantry to participate.   The pictures of the jack-o-lanterns will be posted on the Committee's website and Northborough  residents will be able to vote for their 3 favorite entries until Halloween night. The three winners will each receive a prize from a local business. The Community Affairs Committee hopes that all interested Northborough residents, both children and adults, enter this fun Halloween event! 
 
For more information on this event, visit  https://northboroughcac.weebly.com/jack-o-lantern-stroll.html.

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

Native Plant Trust to Screen Documentary Mardi and the Whites

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FRAMINGHAM: Native Plant Trust, the nation’s first plant conservation organization and the only one solely focused on New England’s native plants, is pleased to announce that it will screen the documentary Mardi & the Whites on Saturday, October 15, at 3:30pm at Garden in the Woods, 180 Hemenway Road. A film made and directed by Paula Champagne, featuring Dorchester resident Mardi Fuller, Mardi & the Whites chronicles the deep relationship that outdoorswoman Mardi Fuller has built with New Hampshire’s White Mountains, which has also been complicated by the overwhelmingly white hiking and outdoors community. 

Mardi says that she is “thrilled to share my experiences as a Black outdoorswoman with this audience, at such an iconic local garden venue, and in partnership with Native Plant Trust, an organization committed to land stewardship and community education. My hope is that my story will shed light on patterns of exclusion in outdoor institutions and lead audience members to consider ways they might participate in the movement to improve access to nature for marginalized groups. I’m looking forward to a meaningful conversation and I know I will be inspired by the setting.”

The screening will be followed by a conversation and reception with Mardi, and attendees are welcome to arrive early at Garden in the Woods and enjoy a stroll through the garden before the program. To register for this event, please visit www.NativePlantTrust.org.
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Marlborough Author Publishes Paranormal Novel

MARLBOROUGH: The Witch and the Priest of Lies, a new 362-page book by John Baldwin Large, has been released by Dorrance Publishing Co., Inc. In a quiet, old New England town, a Native American holy site becomes the home for a satanic ritual. But when things go horribly wrong, worshippers are butchered, and an inexplicable horror is unleashed on the town.  High school psychologist Julie Bernard witnesses the whole event in her dreams. Unsure of what she saw and even more confused as to why she witnessed it, Julie is thrown into an ancient struggle between good and evil. As she works to uncover the truth about the night’s events, she uncovers more secrets about the town and her own life than she could have possibly imagined.
 
John Baldwin Large is a professional musician and singer/songwriter with the band Emily Rising. He also serves as a chaplain. Large lives in Massachusetts with his wife and their two cats.

Sunday School For All Ages at St. Stephen Church Starts This Week

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MARLBOROUGH: Sunday School for all ages – from pre-school through adult – will begin October 9 at St. Stephen Lutheran Church, 537 Bolton Street. While the
youngest disciples, preschool through grade 1, will meet during the 10am church service, other ages will begin their programs at 9am.

Using the “Echo the Story” curriculum from Sparkhouse, students in grades 2 and up will go on a Biblical narrative journey using a collection of learning styles, with a six part sequence that includes videos, listening skills, hearing a story read, using sketch journals to capture interesting aspects of the story, retelling the story, and sharing observations with the group. Arts and crafts will also be incorporated, with the creation of a banner,  environmental photography, painting and sculpture all on the program. Melanie Whapham will lead the group.

Adults will meet with Pastor Greg Mileski, also in the 9-9:45am time slot, for a discussion of the week’s lectionary readings, with a comparative study of religions and a book study also on the agenda.

The youngest students, pre-school through grade 1, will come to the 10am church service, then leave before the sermon to hear Bible stories, engage in a related craft and play, and return in time for communion. Heidi Richard, Dianne Bruno, and Stephanie and Lily Ruggiere
will interact with this group.

There is no registration requirement, and all are welcome to engage in this Christian
Education program. For more information about St. Stephen Lutheran Church, visit
www.saintstephenlutheran.com or the church’s Facebook page.
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Diversity, Equity, and Inclusion Commission Seeking Members

SUDBURY: The Sudbury Diversity, Equity and Inclusion Commission is currently seeking candidates. The mission of the Sudbury Diversity, Equity, and Inclusion Commission is to support diversity and foster equity for every member of the Sudbury community, respecting all aspects of individuals’ identities. The Commission shall also critically consider intersections among these groups to facilitate learning, understanding, and unity.

Sudbury resident(s), including Students or Parents of Students attending Sudbury schools are invited to apply to the Commission. Areas of expertise/ experience for members may include but are not limited to:

• Business representatives
• Education
• Parent or caregiver
• Student
• Human Resources
• Immigration law
• Medical and healthcare
• Minority affairs
• Real estate/Affordable Housing
• Social Work

To learn more, please see the recently updated Diversity Equity Inclusion Commission Mission Statement. To apply, please submit the Appointment Application form. Applications are due by 12pm on November 4, 2022.
 
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SMILE Mass Announces Return of Gobble Wobble Road Race

SUDBURY: SMILE Mass is thrilled to announce the return of the 9th Annual Gobble Wobble for SMILE Mass Road Race scheduled for November 19. This year’s race is presented by Ira Motor Group a division of Group 1 Automotive. 
 
Registration is now open for the Kids Fun Run, 1.4 Mile Walk, 5K and 10K runs. To register go to www.smilemass.org/race. All races begin at Curtis Middle School, 22 Pratts Mill Road at 10am.  All athletes of all abilities are invited to participate. Strollers, and disability "Ambassadors" and "Captains" are also encouraged. Please visit www.smilemass.org/smile-mass-running-team/ for more information on how to be part of our race team. Participants registered by November 1 are guaranteed a SMILE Mass t-shirt. Awards medals will be given for winners across several age groups in both the 5k and the 10k.
 
"After two challenging years, SMILE Mass is eager to get back to our tradition of hosting the Gobble Wobble on the Saturday before Thanksgiving.” said Lotte Diomede, President of SMILE Mass. "We are grateful for the support of our sponsors who have helped carry us through the pandemic and for the opportunity to bring back this amazing event that celebrates athletes of all abilities."
 
“We would like to invite those in Metrowest communities to join us for the Gobble Wobble.  It’s a great day of inclusiveness and fun for a great cause.” said Susan Brown, VP of SMILE Mass.  “Runners and walkers of all ages and abilities are welcome and we hope to see you there.”
 
Proceeds from this event benefit Club SMILE Mass, the newest and fastest growing program servicing kids and adults with disabilities with an after-school program for individuals under age 22 and a self-directed program for individuals over age 22. Club SMILE Mass is a hybrid-program that allows individuals with disabilities of all ages to enjoy Zoom classes in several areas of interest (music, story time, gym, bingo, and book club) as well as in-person gym and swim classes at Lifetime in Framingham. In addition, SMILE Mass hosts monthly recreational community activities with like-minded individuals and families. 

SMILE Mass Small Miracles in Life Exist (SMILE Mass) is a 501(c)(3) nonprofit organization dedicated to helping families raising children or adults with disabilities enjoy happy, healthy memories through vacation and recreation experiences. Over the past 12 years, SMILE Mass has donated over 150 floating beach wheelchairs to public beaches in Massachusetts, Maine, Connecticut, New Hampshire and Vermont. In addition, SMILE Mass has a fully accessible vacation rental in Truro, MA available to families, an Equipment Loaner Program that allows families to borrow recreational equipment, and a running team. To learn more visit www.smilemass.org
 
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Domestic Violence Roundtable’s Purple Lights Campaign

SUDBURY: Why are those buildings purple? Purple, it is said, is the color of courage, survival, honor, and hope. It is also the color recognizing Domestic Violence Awareness Month, which takes place each October. During this month, domestic violence service providers use the color purple to raise awareness about the prevalence of domestic violence and the 3 to 4 women and girls who are murdered each day in our country within intimate relationships.

In witness and protest, some people wear purple clothing, attach a purple pin, or tie a purple ribbon around a tree. For the past several years, the Sudbury-Wayland-Lincoln Domestic Violence Roundtable, in collaboration with the Lauren Dunne-Astley Memorial Fund, and First Parish in Wayland, has chosen to light the towns of Sudbury and Wayland in purple. They have lit numerous faith and public buildings in Sudbury and Wayland and have posted banners and signs in all three communities. Some of you may have seen them.

These are beautiful and dramatic displays that both honor those lost to domestic violence and bring awareness to the community that domestic violence has no borders. The Roundtable invites local businesses to join in by adding their own purple lights. Homeowners may also take part by installing purple bulbs in their door and porch lights and their lamp posts. An effective 4.5 watt Feit purple LED Electric bulb is available inexpensively and locally at Ace Hardware in Wayland and Aubuchon Hardware in Sudbury. Light up towns and stand with survivors of domestic violence and their families!

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.
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Celebrate the Anniversary of Mainstone Farm’s Protection

WAYLAND: To celebrate the 5th anniversary of the conservation of Mainstone Farm on Rice Road in Wayland, Sudbury Valley Trustees (SVT) has designed a special two-mile Self-Guided Anniversary Walking Route at the property. Throughout the month of October, visitors can enjoy this walk through the woods, which features five stops where you can scan a QR code to learn more about the property and the incredible conservation effort. The Self-Guided Anniversary Walking Route is accessible from the Mainstone Farm Trails parking area at 196 Rice Road.

On October 15, SVT staff will be on hand at the trailhead from 9:30-11:30am to answer questions about the conservation effort and provide visitors with additional information about the property.

In 2017, the Town of Wayland and SVT purchased a conservation restriction (CR) on the land that permanently protects 218 acres of the farm’s pastures and forest from development. Mainstone Farm is part of a complex of conserved lands owned by the Town of Wayland, Sudbury Valley Trustees, and some private entities. Additional protected lands, including Hamlen Woods, Mainstone Hills, Reeves Hill, and Turkey Hill, contribute to an extended network of wildlife habitat and open space. SVT, together with the Town of Wayland, maintains walking trails across many of these lands that can be accessed from two parking areas on Rice Road.

"We are thrilled to celebrate the fifth anniversary of one of the region's spectacular landscapes,” said Lisa Vernegaard, SVT Executive Director. “I remain grateful to Wayland residents, the Hamlen Family, and the many generous donors who made this possible. Because of that partnership, wildlife, hikers and area residents will continue to enjoy this extraordinary property for decades to come."

Gretchen Schuler, Former Chair of the Wayland Community Preservation Committee, added, “The protection of Mainstone Farm was the culmination of many years of effort by many people. I am so thankful that Town residents and SVT agreed to purchase the CR on this land so that future generations will always enjoy this iconic Wayland landscape.”

Printed maps for the Self-Guided Anniversary Walking Route will be available throughout October at the trailhead kiosk at 196 Rice Road. A map is also available online at svtweb.org/mainstone5.

Northborough Helping Hands’ Holiday Campaign Make Spirits Bright for Families in Need

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NORTHBOROUGH: Northborough Helping Hands Association, Inc. (NHHA) is kicking off its holiday campaign “Making Spirits Bright.” The holiday program benefits Northborough families and senior citizens in need. Community members have the opportunity to sponsor a gift, a child, or a grocery gift card.

NHHA collaborates with town social service programs to identify the Northborough families needing assistance. The program’s goal is to provide gift cards to the parents, so they can personally purchase needed clothing or a special toy from the child’s wish list. In addition, grocery gift cards are provided to senior citizens and singles who are in need.

In 2021, 142 children were served. This year, NHHA hopes to be able to raise $10,000 to provide cards for each child. The gift cards will be distributed during the organization’s annual Thanksgiving program distribution, which provides a turkey with all the fixings. The success of NHHA’s programs each year is due to the generosity of the community. How can you help?

A donation of $75 will sponsor one child for the holiday. You can also sponsor a grocery card for the family for $50 or one gift for a child for $25. Monetary donations are being requested so the gift cards purchased by NHHA can be tailored to each child before distribution. The deadline to donate is November 1.
 

Upcoming Fundraisers with business partners:
 
  • MOOYAH Burgers, Fries & Shakes (10010 Shops Way, Northborough) will donate a percentage of all sales on October 1, 11am-9pm to NHHA.
  • For the entire month of October, Aero Coffee Roasters (318 Main Street, Northborough) will donate 10% of all in-store whole bean coffee purchases to NHHA.

NHHA is a recognized 501(c)(3) charity and 100% of donations will benefit its programs. In addition to the holiday programs, NHHA coordinates a winter coat drive, backpack drive, emergency aid program, scholarship program and medical equipment loan program. Additional information on the holiday outreach programs can be found at
www.northboroughhelpinghands.org. Email Holidays@NorthboroughHelpingHands.org for more information.

Musicians of the Old Post Road Presents Masterful Madames: Women Composers
in the Circle of Frederick the Great

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SUDBURY/BOSTON: On October 29 and 30, Musicians of the Old Post Road begins its 34th season with live performances for both in-person and online audiences. Entitled Masterful Madames: Women Composers in the Circle of Frederick the Great, the program celebrates three fabulous forgotten female composers: Princess Anna Amalia of Prussia, Wilhelmine of Prussia, and Anna Bon. Their wonderful chamber music will be presented together with works by other composers in Frederick the Great’s circle, including the music-loving king’s flute teacher J. J. Quantz and his concertmaster Franz Benda.

Featured works include the expressive Flute Sonata in F Major by Anna Amalia, the only surviving multi-movement work by this gifted little-known composer. A sister of Frederick the Great and a patron of the arts, she devoted herself to music and amassed an important music library. 
The concert also includes the brilliant Harpsichord Concerto in G Minor by Wilhelmine of Prussia, one of the earliest surviving works in this genre. Another sister of Frederick the Great, she was the Margravine of Bayreuth and an accomplished lutinist. The ensemble will also perform an evocative trio sonata by Anna Bon. Bon was in the service of Wilhelmine and her family at the court in Bayreuth. She was a talented singer and composer who received her early training at the orphanage for girls in Venice where Vivaldi taught.

Rounding out the program are trio sonatas by Frederick the Great’s court composers Franz Benda, J.J. Quantz, and Christoph Schaffrath. Instrumentalists for this concert include flutist Suzanne Stumpf, violinists Sarah Darling and Jesse Irons, violist Marcia Cassidy, cellist Daniel Ryan, and harpsichordist Michael Sponseller. All will perform on period instruments.

Single In-Person Tickets are $50 general admission, $45 seniors, $35 for under 35, Kids 18 and under free with adult. Day-Of-Concert Rush Tickets (students and EBT Card holders only) are $10, availability permitting. Online single tickets and online subscriptions are also available. In-Person Season Subscriptions are available for $170. These include in-person and online access to all four concert programs this season, along with free admission to the fifth online episode of the ensemble’s “Delving Deeper” series. 
 
  • October 29, 4pm @ First Parish, Sudbury and live-streamed at oldpostroad.org;
  • October 30, 4pm @ Emmanuel Church, Boston.

For more information, visit oldpostroad.org, email musicians@oldpostroad.org, or call (781) 466-6694.

FINANCIAL FOCUS: Should you Stick with Index-based Investments? 

September 21, 2022
 
You may have heard that you can simplify your investment strategy just by owning index-based or passive investments. But is this a good idea? You’ll want to consider the different aspects of this type of investment style. 
 
To begin with, an index-based investment is a vehicle such as a mutual fund or an exchange-traded fund (ETF) that mimics the performance of a market benchmark, or index — the Dow Jones Industrial Average, the S&P 500, and so on. (An ETF is similar to a mutual fund in that it holds a variety of investments but differs in that it is traded like a common stock.) You can also invest in index funds that track the bond market. 
 
Index investing does offer some benefits. Most notably, it’s a buy-and-hold strategy, which is typically more effective than a market-timing approach, in which individuals try to buy investments when their prices are down and sell them when the prices rise. Attempts to time the market this way are usually futile because nobody can really predict when high and low points will be reached. Plus, the very act of constantly buying and selling investments can generate commissions and fees, which can lower your overall rate of return. Thus, index investing generally involves lower fees and is considered more tax efficient than a more active investing style. Also, when the financial markets are soaring, which happened for several years until this year’s downturn, index-based investments can certainly look pretty good — after all, when the major indexes go up, index funds will do the same.
 
Conversely, during a correction, when the market drops at least 10% from recent highs, or during a bear market, when prices fall 20% or more, index-based investments will likely follow the same downward path. 
 
And there are also other issues to consider with index-based investments. For one thing, if you’re investing with the objective of matching an index, you may be overlooking the key factors that should be driving your investment decisions — your goals and your risk tolerance. An index is a completely impersonal benchmark measuring the performance of a specific set of investments — but it can’t be a measuring stick of your own progress.
 
Furthermore, a single index, by definition, can’t be as diversified as the type of portfolio you might need to achieve your objectives. For example, the S&P 500 may track a lot of companies, but they’re predominantly large ones. And to achieve your objectives, you may need a portfolio consisting of large- and small-company stocks, bonds, government securities and other investments. (Keep in mind, though, that while diversification can give you more opportunities for success and can reduce the effects of volatility on your portfolio, it can’t guarantee profits or prevent all losses.)

Ultimately, diversifying across different types of investments that align with your risk tolerance and goals — regardless of whether they track an index — is the most important consideration for your investment portfolio. Use this idea as your guiding principle as you journey through the investment world. 
 
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor: Marshall-Ben Tisdale,Westford, MA  - www.EdwardJones.com/Marshall-Ben-Tisdale, Edward Jones, Member SIPC
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.
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Donations of Winter Coats, Boots Needed to Keep Kids Warm

NORTHBOROUGH: Cleaning and sorting your closets as the season changes? New and gently used winter coats, snow pants and boots are being collected by Northborough Helping Hands Association, Inc. (NHHA) through October 21. Sizes from toddlers to adult are needed. Donations will benefit Northborough families in need. All requests for assistance are received through collaboration with town social service programs. Donations will be distributed in late October. Collection bins will be located at Lincoln Street School (76 Lincoln St.), Marguerite E. Peaslee School (31 Maple St.), Fannie E. Proctor School, (26 Jefferson Rd.), Marion E. Zeh School (33 Howard St.), Robert E. Melican Middle School (145 Lincoln St.), Algonquin Regional High School (79 Bartlett St.), and St. Bernadette’s School (266 Main St.). The Northborough Free Library (34 Main St.) and Allure Hair Spa (299 West Main St.) will also have collection bins.

The mission of NHHA is to coordinate programs to assist residents through its programs, including the holiday program, backpack drive, medical equipment loan program, emergency aid program, and scholarship program.  For more information, visit www.northboroughhelpinghands.org or email questions to  coats@NorthboroughHelpingHands.org.
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First Parish of Sudbury Appoints Michelle Cote as Director of Religious Education

SUDBURY: First Parish of Sudbury is pleased to announce that Michelle Cote (of Natick), has been appointed to the position of Director of Religious Education. Prior to becoming Director of Religious Exploration at First Parish of Sudbury, Cote served for 14 years as Director of Religious Education at First Parish of Stow & Acton and taught at the elementary level, both as a literacy specialist and special educator. In addition, she has worked as a life coach and advocate for adults with developmental and cognitive challenges.  

Cote believes that all children and youth should be seen, heard, and valued. One of her favorite quotes is Marcus Samuelson’s African saying: “I want to believe that I am here to teach one, and more than that there is one here who is meant to teach me. And if we each one, teach one, we will make a difference.”
 
She is eager to begin the year and create a vibrant, active, welcoming Religious Education Program that makes a difference in the lives of children and families.

The Religious Exploration Program at First Parish is an exploratory process that offers many programs for children and teens. It focuses on teaching young people how to make moral and ethical life decisions in an accepting environment without fear or judgment. See www.fpsudbury.org to learn more about upcoming programs.

First Parish of Sudbury, located at 327 Concord Road, is a diverse and welcoming community of spiritual seekers who strive to learn together and support one another as they celebrate life’s important moments and serve the larger community. The First Parish was founded in 1640. The congregation worships in the historic meetinghouse that was built in 1685.

“Open House” at New Conservation Land September 25

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BERLIN: All area residents are welcome to enjoy the new Horseshoe Pond Conservation Area in Berlin. The Town of Berlin and Sudbury Valley Trustees have collaborated to purchase this 100-acre property on the corner of Linden Street and Lyman Road and have opened it for public use. This beautiful natural area features a meadow, a small pond, and forest, and its trails connect to those in the adjacent Mount Pisgah Conservation Area.
 
Sudbury Valley Trustees (SVT) is a land trust that conserves natural areas and wildlife habitat in the region around the Sudbury, Assabet, and Concord Rivers. To encourage everyone to explore the Horseshoe Pond Conservation Area, SVT and the Town are hosting an “open house” at the property on September 25, from 2-4pm.
 
This is a wonderful opportunity to see the land for yourself. You can walk the trails at your own pace or enjoy a nature scavenger hunt with the younger members of your family. Naturalists will be on hand to pass out trail maps and answer questions in English, Spanish, and Portuguese.
 
“Many local residents have enjoyed the trails on this property for years, perhaps without realizing that it was privately owned land,” said Christa Collins, SVT Director of Land Protection. “Now that it is permanently protected, we want everyone to feel welcome to explore and enjoy this new conservation area.”

Collins did caution that parts of the trail can be a bit steep, but there are also flat sections that cut across a meadow.
“The trail also runs past a delightful pond in the woods,” she added. “If you are lucky, you might spot a great blue heron when you visit.”

There are no public bathrooms at the property, and visitors are advised to bring their own water. The parking area is located on Linden Street in Berlin, just west of the intersection with Lyman Road. More details are available at www.svtweb.org/nature.
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We Want Your JUNK!

Marlborough Regional Chamber of Commerce Joins Marlborough Rotary Club Recycling Event

MARLBOROUGH: The Marlborough Rotary Club along with the Marlborough Regional Chamber of Commerce will hold their fall Recycling event on September 24, 10am-2pm at the Navin Rink Parking Lot, 451 Bolton Street. It is only $40 per car/truck load and one and all from anywhere in New England are encouraged to clean out their attics, basements, and businesses and get rid of their junk.

Since the fall of 2011, the Marlborough Rotary Club created a one-day project for folks to recycle all their unwanted computers, electronics, appliances, and more.  The event is open to ALL communities and is focused on recycling household items rather than adding these items in the landfills.

Many things that have been sitting around in your attic, basement, or garage could be recycled at this Recycling Day event for just $40 per carload or truck load.  Items include:
 
  • Electronics of all types – computers, CPUs, games, accessories, cell phones, VCRs laptops, cameras, cables, wires, keyboards, mice
  • All electrical equipment – small appliances, motors, shop equipment, heaters, fans, extension cords, lamps
  • Vehicle batteries, cars, boats, RV’s etc.
  • Large appliances – washers, dryers, microwaves, AC units, freezers, refrigerators without Freon
  • Yard and lawn equipment – mowers and snow blowers (no fluids), chain saws, weed whackers, power yard equipment
  • Televisions – $40 any size
  • Computer Monitors – $25 each
  • Audio speakers – $20 per pair
  • Child car seats – $20 each with fabric removed
  • Household vacuums $20 each
  • Treadmills $25 each
  • Appliance with Freon -- large $25, small $15
  • Lithium Ion Batteries (i.e. power tools) $5.00
  • Lead acid batteries (i.e. yard equipment, cars, boats, RVs $10 each
  • Small batteries (i.e. AA, AAA, C, D) $5/quart

Unfortunately, arrangements with the recycling company do not allow wood, plastic, tires, mattresses, textiles, hoses, glass, pool liners or large children’s plastic toys.

“We have been so excited about this event!” remarked Elaine McDonald who started the event in 2011.  “With our partners, the Marlborough Regional Chamber of Commerce, we will be joining us again in this project to help our neighbors clean out their unwanted items while cleaning up the environment.”

“This project benefits everyone involved and promotes recycling for a low cost,” said Rob Schachter, President of the Marlborough Regional Chamber of Commerce. “We are delighted to join with the Rotary Club’s longtime successful event. It benefits our environment and the Marlborough Rotary Club Foundation will generate a percentage of the fees to continue the club’s service to children and families of our community, literacy projects, polio eradication, and more.”

“The beauty of this project,” noted current Rotary Club President Mark Vital, “is that it is both a service project and a fundraiser.  We knew that we had made a positive impact on the environment of our community.”

“The environmental impact keeps growing year after year.  We have recycled over 90,000 pounds – or more than 40 tons!  That’s huge!” McDonald concluded.

It is open to ALL communities in MA, CT, NH, RI, ME and VT! Please call (978 )875-0097 with any questions that you might have about the event.  Other info, visit www.marlboroughrotary.org and www.marlboroughchamber.org.
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Plymouth Church in Framingham Hosts Annual Fall Fair

FRAMINGHAM: The Annual Fall Fair is back at the Plymouth Church on October 1
from 10am-2pm, with free admission, free on-site parking, and something for everyone!  Respecting COVID safety guidelines. masks are encouraged indoors, air purifiers will be in use, and hand sanitizer is suggested.  There will be both indoor and outdoor shops including:
 
  • Huge White Elephant Tag Sale for household goods, kitchen gadgets, home décor & linens;
  • Kids section for gently used toys, games, camping and sporting equipment;
  • Handmade Crafts and themed Gift Baskets;
  • Costumes;
  • A whole room of Jewelry;
  • Christmas Shop;
  • Books for all ages; and
  • Free Kids Games & Pumpkins for Painting

And what would a Fair be without food? There'll be a Homemade Bake Shoppe with lots of treats, Chowder, Luncheonette, Boy Scout Troop 12 Hot Dog stand, and more.

Also, Loulou’s Music Together will demonstrate a free musical playtime at 12:30pm especially suited for kids 0 to 5 years and the grownups who love them.

The annual Fair proceeds support the local ministries of Plymouth Church within the Framingham community, as well as and global charities focused on environmental justice, disaster relief, and humanitarian concerns. They are located at 87 Edgell Road. For more information, please call the Church Office at (508) 875-1364.

Share High Holy Days 5783 with B’nai Torah

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SUDBURY: Congregation B’nai Torah, of Sudbury, warmly invites the community to join them online for High Holy Days 5783! Rabbi Dr. Lisa Eiduson, along with Cantor Kate Judd, looks forward to sharing prayer and song with the community as they celebrate the Days of Awe. The High Holy Days begin at sundown on September 25, and conclude at sundown on October 4.

The following events are planned:
 
  • Erev Rosh Hashanah: Sept. 25
  • Rosh Hashanah Day 1: Monday, Sept. 26 - 10am Rosh Hashanah morning service: Inspiration, reflection & community welcoming in the new year together. Online only; 1pm Shofar service and Tashlich: In-person gathering at the Wayside Inn Grist Mill, 72 Wayside Inn Road; 2:30pm Apple picking and more: Families re welcome for apple picking, a craft, and a short, sweet service at Honey Pot Hill Orchards.
  • Tuesday, October 4 - 7 pm: Kol Nidre - Erev Yom Kippur Service (In-person & online)
  • Wednesday, October 5 - 10am Morning Service (In-person & online);
    12-2pm: Drive-Up, Drop-Off Food Drive (In-person only); 2:30pm: Watch and discuss the documentary The Last Blintz with Rabbi Eiduson (In-person only); 3pm Children's Service (In-person only) - For students in grades K-5; 4pm: Yizkor Memorial Service (In-person & online); 5pm Neilah & Havdalah (In-person & online).


See www.bnaitorah.com for the full schedule and registration for all events and contact the office at  admin@bnaitorah.com or 978-443-2082 with any questions.  B’nai Torah is a reform temple that welcomes all families, including interfaith families. It is located at 225 Boston Post Road.

Assabet Valley Camera Club Program: Birds and Birds in Flight

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HUDSON/MARLBOROUGH: On October 5, the Assabet Valley Camera Club (AVCC) is pleased to host Jim DeLuco whose photographic career started more than fifty years ago after purchasing his first 35mm camera while stationed in Vietnam. Over the years Jim has been a member of both the Colonial and Gateway Camera Clubs and has received pictorial and nature awards from the New England Camera Club Council. The prior owner of DeLuco Photography which specialized in portraits, weddings and events, Jim now spends his leisure time photographing birds in Massachusetts and at Florida hotspots.

In addition to being called upon to judge at local camera clubs, Jim provides instructional classes to area photographers. DeLuco’s October 5th presentation will feature a large variety of bird photographs with special consideration given to the techniques needed for capturing their images including photographing birds in flight. Follow Jim on his Instagram at jamesfdeluco.

Due to Covid 19 all AVCC meetings are currently being held online. If you are interested in attending this program, contact AVCC at info@assabetvalleycc.com a few days prior to the meeting to request a link to the event. The club’s Zoom room opens at 7pm with a brief business meeting at 7:15pm. Jim’s presentation Birds and Birds in Flight will begin at 7:30pm.

Normally, AVCC meetings are held in the Great Room at the Hudson Senior Center, 29 Church Street. The first meeting of the month generally features a program designed to instruct and/or to entertain camera enthusiasts.  During the second monthly meeting, a competition of members’ digital images are judged and critiqued by qualified individuals. Assabet Valley Camera Club, affiliated with both the New England Camera Club Council (NECCC) and the Photographic Society of America (PSA), participates in interclub competitions on regional, national and international levels.

AVCC welcomes anyone interested in learning more about photography as a visual art and its practical application as a science.  Members benefit from the hands-on experiences, from the knowledge presented in programs, and from having their work critiqued. For more information check out the AVCC website at www.assabetvalleycc.com or contact Club President Elliot Mednick at (978) 293-5192.

2022-23 Worship Season Begins with Water Communion Ingathering Service

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HUDSON/MARLBOROUGH: The Unitarian Church of Marlborough and Hudson (UCMH) this year marks the 50th anniversary of the first worship season after the Marlborough and Hudson congregations officially merged in 1972. In keeping with the September Worship Theme of “Belonging,” Rev. Alice Anacheka-Nasemann and the worship committee have prepared a delightful Water Communion Ingathering service featuring steel pan drum performer Jefferey Clayton.  The service will be held IN PERSON in their beautiful, historic sanctuary at 80 Main Street in Downtown Hudson, and will be led by Rev. Alice Anacheka-Nasemann on September 11 at 10:30am. Everyone is welcome to participate regardless of faith, religion, or spiritual affiliation, including atheists. Additional information, including the most recent COVID-19 guidelines and links to services, is available at www.ucmh.org.                

“We’ve put together a joy-filled, uplifting, family worship service for our members and friends to celebrate our coming together after the summer months,” said Rev. Alice. “We invite everyone to bring water from a source that you visited this summer, or find sacred, and together we will create a meaningful water communion ceremony.”

The Unitarian Church of Marlborough and Hudson is devoted to love, peace, positivity, and inclusion.  In addition to Sunday services, UCMH offers inspiring and cultural activities for personal growth and development throughout the year. Further information is available online at ucmh.org, the Unitarian Church of Marlborough and Hudson’s Facebook page, or by calling the church office at (978) 562-9180.
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YSAP & MAP 5k for Prevention

HUDSON: The Hudson Youth Substance Abuse Prevention (YSAP) and Marlborough Alliance for Prevention (MAP) is hosting a 5k run, walk, roll and stroll for prevention! The goal of this event is to help raise funds and awareness for programs such as YSAP and MAP that are dedicated to education and support related to substance use. 

In 2015, Hudson’s YSAP group was created to reduce and prevent youth substance use and addiction in Hudson. Through community engagement, YSAP has continued to put their efforts into participating in community events, collecting data, hosting Narcan trainings, and so much more. Similarly to YSAP, MAP also envisions a community empowered by accessible resources and supports that can help to live a healthy lifestyle and motivate good decision making related to substance use. YSAP and MAP plan to join forces and together, host a family fun event for a cause so near and dear to the heart of many.

Lauren Antonelli, former Regional Youth Substance Abuse Program Coordinator and current Director of Public and Community Health in Hudson stated that the main goals of the event are to “Raise awareness around substance use, raise awareness for coalitions like YSAP and MAP and to raise funds for the cause.” 

The event has made an emphasis on being accessible for all. “We wanted this to be community building event” said Antonelli. “That’s also why we wanted this to be for all ability levels. We want everyone in the community to come out and feel welcomed to join.”  

The future of coalitions such as YSAP and MAP depend on events like these. The idea of merging both education awareness and fundraising together are important to continue bringing substance use [among youth] to the spotlight while helping to create more opportunities for change. “We are hopeful that we can continue to do events like these and even bring back our annual dodgeball tournament” shared Antonelli, referring to the dodgeball tournament last held by YSAP in the spring of 2019. 

“YSAP is always looking for new members, especially youth” said Antonelli. “It’s important for the youth in our communities to have a role in this and share their experiences and ideas for preventing substance use among their own peers.” If you are interested in joining YSAP, please contact the Hudson Health Department for more information.

FINANCIAL FOCUS: Look Closely at Open Enrollment Choices

September 6, 2022

Once again, it’s the season for football games and back-to-school activities. And if you work for a medium-size or large employer, it will soon be open enrollment season – the time of year when you can review your employee benefits and make changes as needed. What areas should you focus on?

Actually, it’s a good idea to pay close attention to all your benefits. Some of the offerings may have changed from last year — and you might have experienced changes in your own life, too, which might lead you to look for something different from your existing benefits package.

You may want to start with your health insurance. If you’re satisfied with your coverage, and it’s essentially the same as it’s been, you may well want to stick with what you have. However, many employers are increasingly offering high-deductible health plans, which, as the name suggests, could entail more out-of-pocket costs for you. But high-deductible plans may also offer something of benefit: the ability to contribute to a health savings account (HSA). Your HSA contributions are made with pre-tax dollars, so they can reduce your taxable income for the year. Also, your earnings grow tax-free, and your withdrawals are tax-free, provided the money is used for qualified medical expenses. (Withdrawals taken before age 65 that aren’t used for qualified medical expenses are taxable and subject to a 20% penalty; once you reach 65, the penalty no longer applies, although withdrawals are still taxable as income if not used for a qualified expense.)

Your next benefit to consider: Life insurance. Your employer may offer a group life insurance plan, but you’ll want to evaluate whether it’s sufficient for your needs, especially if you’ve experienced changes in your personal situation over the past year, such as getting married or adding a new child. There’s no magic formula for how much life insurance you need — you’ll need to consider a variety of factors, such as your income, family size, mortgage and so on — but it may be necessary to supplement your employer’s coverage with a private policy.

Your employer may also offer disability insurance as a benefit. Some employers’ disability policies are fairly limited, covering only short periods of time, so you may want to consider a private policy. 

Beyond the various insurance policies your employer may offer, you’ll also want to closely look at your 401(k) or similar retirement plan. Typically, you can make changes to your 401(k) throughout the year, but it’s important to make sure your investment selections and contribution amounts are still aligned with your risk tolerance and goals. Also, are you contributing enough to earn your employer’s match, if one is offered? And if you’ve already receiving the match, can you still afford to put in more to your plan if such a move makes sense for you? 

Your employee benefits package can be a valuable part of your overall financial strategy. So, as open enrollment season proceeds, take a close look at what you already have, what’s being offered, and what changes you need to make. It will be time well spent.

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

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.

Rev. Kathleen Hepler Begins Serving at First Parish of Sudbury

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SUDBURY: First Parish of Sudbury is pleased to announce that Rev. Kathleen Hepler has begun serving as their new minister. Rev. Hepler was ordained in 1984 and served most recently as Interim Minister at First Parish Church United of Westford. Prior to that, she held the position of Senior Minister at First Parish of Framingham from 2007 to 2018. During her 38 years in ministry, she has served in many states, including CA, PA, NJ, and MD. She began her career in social work, before making the move to ministry. She earned a B.S. in Social Work from Ohio State University and a Master of Divinity from Starr King School for the Ministry.

“After 38 years as a UU minister, I have an ever-increasing commitment to the power of spiritual community. Especially one that takes its vision into a world that needs our vision of justice, equity, and compassion,” comments Hepler.

First Parish Board Chair Sherri Cline was impressed with Rev. Hepler’s awareness of the challenges churches face today—as well as her optimistic outlook.  “Her congregations have been impressed by her pastoral care and by her sermons which are thought-provoking and sprinkled with good humor.”  Rev. Hepler has particular skill and training in helping congregations develop systemic patterns that can enhance vitality and in changing those that cause difficulty.

Rev. Hepler looks forward to welcoming the community to Homecoming Sunday, on September 11 at 10am, both in-person and online. Participants are encouraged to bring a small container of water, that is from (or represents) something of meaning from the summer, to share during an annual water communion. See fpsudbury.org to learn more.

First Parish of Sudbury, located at 327 Concord Road, is a diverse and welcoming community of spiritual seekers who strive to learn together and support one another as they celebrate life’s important moments and serve the larger community. The First Parish was founded in 1640. The congregation worships in the historic meetinghouse that was built in 1685.

The Northborough Garden Club presents Autumn Enchantment

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NORTHBOROUGH: The Northborough Garden Club is moving their holiday fundraising event from November to September to showcase the beauty of New England autumn. Join them on September 24 for an afternoon of Autumn Enchantment featuring a floral demonstration by Tina Bemis, co-host of the Gardner’s Calendar on WTAG radio and co-owner of Bemis Farms Nursery in Spencer.
 
Wow your family, friends and neighbors this coming season with a unique floral design. Tina Bemis will demonstrate how to create a show stopping floral design for the entrance to you home. Using material from your own garden and other locally sourced plants, you will learn how to decorate the entryway to your home in a style that reflects your personal taste. Past president of the MA Flower Growers Association, renowned container gardener and accomplished instructor, Bemis will demonstrate and inspire you to craft a one-of-a-kind floral decoration. Whether you are experienced or interested in floral design this event is sure to showcase the beauty of our New England gardens.

Autumn Enchantment will be held at the Peaslee School, 31 Maple Street. Doors open at 12:30pm when you can enjoy some light refreshments and take a chance on our garden and food themed raffles. Tina Bemis’ presentation begins at 1:30pm. Tickets for this event are $10, available online thru the Northborough Garden Club website at https://bit.ly/3Ax9c6n. Tickets are also available at the door on the day of the event.

WANTED: Treble Voice Singers

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NATICK: The A Cappella Singers, based in Natick, sings both accompanied and a cappella music. They welcome prospective new members in all parts (Soprano I and II, Alto I and II) who have prior choral experience and/or can read music to join their group - particularly Sopranos.  They will be holding open rehearsals at Fisk Memorial United Methodist Church, 106 Walnut Street on September 12, 19 and 26 at 7pm, with the next concert on December 3, 2022. 
 
The A Cappella Singers was formed in 1963 as part of the Natick Newcomer’s Club and consists of members from many towns and many walks of life, all with a common love of vocal music.  They are a dues-paying, non-profit organization. At this time, proof of vaccinations and masks are required to join.  To find out the latest information, visit www.theacappellasingers.org, email info@theacappellasingers.org, or call (774) 231-1963 or (781) 444-5963.
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The Wayside Inn Foundation Kicks Off Mishoon Project

SUDBURY: The Wayside Inn Foundation (TWIF) is happy to announce the start of “Feeding the Fire: The Mishoon Project at The Wayside Inn” on September 4. A mishoon is a canoe made from a fresh pine log that is shaped through a process of burning, using Indigenous techniques that span millennia. The mishoon project will take 7-10 days and be managed by TWIF partners Andre Strongbearheart Gaines, Jr. (Nipmuc) of No Loose Braids and Hartman Deetz (Mashpee Wampanoag) of Ockway Bay Wampum. They will work alongside a team of apprentices to ensure the continuation of the tradition for future generations.

The mishoon will be made on the east side of The Wayside Inn Historic Site (72 Wayside Inn Road), near the Innkeeper’s Loop trailhead, across from Josephine’s Pond. During the project, visitors are welcome to stop by 10am to 9pm daily until the mishoon is finished to see the canoe's progress and ask questions. TWIF will also facilitate the following programs:
 
  • September 9 (7:30–10pm) – Community Night Program (Details TBA. This program will involve cooking over the mishoon fire). 
  • September 10 (10am–noon) – Family Program  
  • September 11 (2–4pm) – Family Program  
  • Saturday, September 17 (noon–2pm) – Mishoon Launch and Celebration 

All programs are FREE, and no registration is required. Volunteer opportunities are available for individuals interested in a hands-on experience or students looking for community service hours. More information about the project is available at https://bit.ly/Mishoon2022.   

FINANCIAL FOCUS: Prepare Yourself for a Long Retirement

August 29, 2022

We all want to live long lives. We all expect to live long lives. But are we financially prepared for this longevity?  Before we get to the issue of preparation, let’s look at a couple of interesting findings from a 2022 survey by Age Wave and Edward Jones:
 
  • The surveyed retirees said, on average, they expect to live to 89, and they said the ideal length of retirement is 29 years.
  • When asked if they want to live to 100, nearly 70% of the respondents said “yes.” The main reason for this desire for long life? To spend more years with their family and friends.

Of course, none of us can see into the future and know how long we’ll be around. But with advances in medical care and a greater awareness of healthy lifestyles, these aspirations have a real basis in reality.

However, if you’re going to enjoy a longer lifespan, and the extra years with your loved ones, you need to ensure your finances are also in good shape. How can you make this happen?  Here are some basic steps to follow:
 
  • Save and invest early and often. This may be the oldest piece of financial advice, but it’s still valid. The earlier you start saving and investing for your retirement, the greater your potential accumulation. Consider this: If you began saving just $5,000 per year at age 25, and earned a hypothetical 6.5% annual rate of return, and didn’t take any early withdrawals, you’d end up with $935,000 by the time you reached 65. But if you waited until 35 to start saving and investing, and you earned the same hypothetical 6.5% return – again with no early withdrawals – you’d only end up with $460,000. And if you didn’t start saving until 45, you’d end up with just over $200,000, again given the same 6.5% return. 
  • Be mindful of debt. You may not  want to be burdened with certain debts when you enter retirement. So, while you’re still working, try to reduce unwanted debts, particularly those that don’t offer the financial benefits of tax-deductible interest payments. The lower your debt load, the more you can save and invest for the future.
  • Keep reviewing your progress. It’s important to monitor the progress you need to make toward achieving your goal of a comfortable retirement. Over the short term, your investment balances may fluctuate, especially in volatile financial markets such as we’ve seen in the early part of this year. But you’ll get a clearer picture of your situation if you look at long-term results. For example, have your accounts grown over the past 10 years as much as you had planned? And going forward, do you think you’re in good shape, or will you need to make some changes to your investment strategy? Keep in mind that, if you’re 50 or older, you can make “catch-up” contributions to your IRA and 401(k) that allow you to exceed the regular limits. You may also want to adjust your investment mix as you near retirement to potentially lower your risk exposure.

Hopefully, you will enjoy many years of a healthy, happy retirement. And you can help support this vision by carefully considering your financial moves and making the ones that are right for you. 

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor
Financial Advisor, Mandy Calouro, Chelmsford, MA
Edwardjones.com/Mandy-Calouro, Edward Jones, Member SIPC
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Greek Festival Labor Day Weekend

MARLBOROUGH: Sts. Anargyroi Greek Orthodox Church, at the intersection of Cashman and Central Streets is holding it's annual Grecian Festival, September 3, 4 and 5; Saturday and Sunday noon to 11pm, and Monday 11am - 3pm. One of the oldest festivals, which started back in 1981 and has improved every year since!

Finally, it's Lamb Shank, Pita and Loukoumathes season in town!
Along with the shanks, you'll find both lamb and chicken shish-ke-bab, spanakopita (spinach pie) and Tiropita (cheese pie).  Also, huge pieces of Pastitsio (Greek baked mac & cheese), Greek style green beans in tomato sauce, Greek style roasted potatoes cooked in lemon and oil with spices, pilaf, grape leaves, meatballs and much more.   Of course there's Mythos, Fix and Bud Light beers, many Greek wines, ouzo & tsipouro, whatever your heart desires.  Hoping you save room for deserts!   Bougatsa, Baklava, Kataifi, Flouyeres , Saragli, karithopita, Finikia, Kourabethes, koulourakia including a new favorite chocolate koulourakia and Baklava Sundaes and more are all on the menu.  To cool down there's a Frappe Station (Greek iced coffee) and of course Loukoumathes (fried dough balls) with home made honey syrup.
 
More changes this year include a re-vamped gyro and souvlaki station, under the tent, in the middle of Central Street, right next to the live bands.
 
Speaking of bands, Saturday night from 6-11pm  will feature Dimitra Aristidou's band with her favorite Bouzouki Player, Stavros Petridis and guest star on Bouzouki, Kosta Taslis!   Sunday night  from 6-11pm will  feature the Ted Chingras Band with another outstanding bouzouki player.Music is played throughout the Festival by Marlborough's own George "Regas"  Regan, the happiest Greek DJ,  who often entertains while singing with his music. 
 
On Saturday, the Boston Lykeion Ellinidon  Dance Group will perform at 3pm and 5pm. Finally, on Sunday, the famous Greek Pride, Hellenic Dance Group from Rhode Island will perform at 3pm and 5pm.
 
Church guided tours  Saturday and Sunday from 2-4pm, and Monday at 1pm. There will also be a bouncy house, face painting and kid friendly foods available. Greek souvenirs and a Marketplace.   ATM's on the premises and admission is free.

Come have fun, OPA! OPA? I think you mean Opalicious! Info: www.stsarargyroi.org.
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Wanted: New Members for Hundredth Town Chorus

WESTBOROUGH: Hundredth Town Chorus, an all-volunteer treble chorus, is seeking new members, especially First Sopranos, although all parts are welcome. Opening Day is September 14 at 9:30am. Rehearsals run from 9:30-11am on Wednesdays at Congregation B'nai Shalom, 117 E. Main Street.  The chorus is not affiliated with the synagogue, but is most grateful for their donation of rehearsal space. There are no night or weekend rehearsals or obligations and no fundraising or ticket selling.  All performances are free and held on Wednesday mornings.

Interested singers are invited to come on opening day, as well as the two open rehearsals on September 21 and September 28. On Opening Day, interested people can meet with Board members and Committee Chairs, get to know current group members, try out a new song or two with the chorus under the direction of the Assistant Conductor, and receive chorus information and registration materials. Those who wish to register will receive a music packet to take home. The following two Open Rehearsals led by Mary Havlicek Cornacchia will be an opportunity to meet with singers for conversation and section placement.
 
HTC is an organization of women who enjoy singing four-part harmony in a relaxing and fun environment.  The chorus was founded in 1949 by the Westborough Women's Club, with a mission to share the joy of music by singing and entertaining at area nursing homes, assisted living facilities, and senior centers. Today's chorus is made up of members from all over Worcester County, including Westborough, Northborough, Shrewsbury, Marlborough, Grafton, Hopkinton, Southborough, Millbury, and Uxbridge.  The chorus also occasionally performs at local public events such as Westborough's Arts in Common and the Westborough 300th Anniversary Celebration.  Music includes holiday classics, Broadway favorites, popular music, and folk songs, as well as an occasional classical number.
 
For more information, visit the website hundredthtownchorus.com or facebook page, email htc.chorus@gmail.com, leave a message for the president Betsy at (508) 393-8133, or just show up at any September rehearsal.
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Berlin Girl Scout Completes Gold Award Project

BERLIN/WEST BOYLSTON: Local Berlin Girl Scout Gabby Bourassa, from Troop 75302 has just finished her Gold Award Project titled Camp Woodhaven Woodlands. The Gold Award is the highest award that a Girl Scout can earn and it requires over 80 hours. Gabby, spent over 100 hours on this project building bridges and painting educational signs for Camp Woodhaven in West Boylston.

The trail that Gabby wanted to fix up was very muddy and lacked engagement for campers while they were walking the trail. To fix this issue, Gabby built two 10-foot bridges that covered the muddy area and the stream that ran across the path. Gabby also hand-painted seven local plants and five animals on wooden signs. The animal signs had statistics on the animal and interesting facts. 

Gabby completed her project by putting a plaque on each of her bridges that reads: Frog Bog Bridge - GSA Gold Award Project by - Gabrielle Bourassa - June 2022. She looks forward to campers being able to enjoy the trail for many more summers to come and is very proud of all the work she did.

Gabby would like to thank all of her friends and family who have supported her through this amazing journey as well as the following people: her troop leader Julie-Anne, the camp director Paula, her mentor Pam, Mr. Senie for allowing her to hold a fundraiser at Village Cafe and Pizza, and Koopman Lumber for their donations. Without help from all of these people and organizations, this project would not have been possible.
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River Clean-up Volunteers Needed!

ACTON: OARS needs volunteers to help spread out across the Sudbury, Assabet and Concord river watershed to clean up rivers, streams, ponds and trails! This year marks the 36th Annual River Clean-up which will be hybrid and take place September 16 thru 18. Every year OARS relies on the support of volunteers and local businesses to keep our rivers clean. Local business owners are also encouraged to reach out and find out how company teams can get involved in this year’s clean-up. Visit www.oars3rivers.org to find out how to join in!

OARS is a nonprofit, science-based organization whose mission is to protect, improve and preserve the Assabet, Sudbury and Concord River watersheds for all people and wildlife. The watershed includes: Acton, Ashland, Bedford, Berlin, Boxboro, Billerica, Carlisle, Concord, Framingham, Hopkinton, Hudson, Lincoln, Maynard, Marlboro, Northborough, Lowell, Saxonville, Stow, Southborough, Sudbury, Tewksbury, Wayland and Westborough.
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Fresh Start Furniture Bank Seeks Donated Items and Volunteers

HUDSON: Fresh Start Furniture Bank is seeking donations of your gently used furniture, household goods and linens. Are you moving or downsizing?  If you've been cleaning out your home or the home of a loved one and are looking for a good home for things you no longer need, please consider donating your items to us!  Your donations help those in need. 

Fresh Start is a volunteer-run, non-profit in Hudson that provides furniture, linens and housewares free of charge to qualified Massachusetts residents in need, as they transition to new housing.  They provide almost everything they need in one trip, thanks to your donations.  They typically help 10-15 families per week and need your donations to keep up their stock.  
 
The following are just some of the items currently needed:  
 
  • FURNITURE - sofas, dining tables, sets of kitchen/dining chairs, coffee tables, TV stands, full and queen beds; 
  • HOUSEWARES - basic appliances (toasters, microwaves, etc.), pots and pans, drinking glasses, lamps;
  • LINENS - sheet sets, blankets and comforters, kitchen towels/oven mitts/placemats and towels. 

In addition, they maintain an Amazon wish list for anyone interested in buying new items to help the cause. Items accepted are in good, clean condition only.  All donations are tax deductible.

Please visit www.freshstartfurniturebank.org for a list of items they accept, or find them on Facebook for their latest needs.  Additionally, they would be grateful for new packing materials (bubble wrap, etc.) or cash donations to help offset operating costs.  Businesses take note:  we can put those boxes that reams of copy paper come in to good use!

Household goods and linens can be dropped off at 16 Brent Drive in Hudson during business hours only: Tuesdays and Thursdays from 9am-12pm, and Saturdays from 8:30am-12:30pm.  Furniture donations are accepted on Saturday mornings from 8:30-10:30am, no appointment necessary.  Limited pick-ups can be arranged for larger donations.
  
Volunteers are always needed to load, unload, sort, clean, stock and distribute items. If you can help out for as little as three hours a month, please call (508) 485-2080, or through the website contact form. Teens welcome!
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Learn About Mushrooms in Westborough

WESTBOROUGH: On September 11, from 1-3:30pm, learn about mushrooms with the Westborough Community Land Trust. Mushrooms, the fruiting bodies of fungi, are incredibly diverse in color, shape, and texture. They attract our senses with the variety they bring to the forest floor. Over one thousand species are known in Massachusetts! In addition to their beauty, they play a key role in forest ecology. Look at how to recognize and identify mushrooms, use several field guides, and discuss fungus ecology on a leisurely walk in a woodland trail setting. Edibility will not be discussed. Free, no registration required.  Meet at the trailhead for the Libby/Wile Forest, at the end of Carroll Drive. Info: events@westboroughlandtrust.org.
Trail map: http://westboroughcharm.org/guide/maps/libbeywile_trail_map.pdf.
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Play Indoor Badminton

LINCOLN/SUDBURY: Badminton demands constant actions: running, jumping, twisting, stretching, running backwards and striking. Players have been known to cover more than three miles in a single match! You will find that badminton is a fast, fun and social game that can be played and enjoyed by people of all ages. If you have never played badminton before, you will quickly learn the basics and join others in exciting games. Participants will learn the basic skills of badminton. Experienced players as well as beginners will be taught. If you are looking for a great way to have fun while getting in shape, this is the place to be. ​Bring your racket - birdies provided.​ Program stars September 21 and will run Wednesdays,    7-9pm.  For info, contact Sudbury Lincoln High School Adult Education at adult.ed@lsrhs.net; 978-443-9961 x3326.
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Sudbury Villagers kicks off its 50th year!

SUDBURY: The Sudbury Villagers club will kick off its 2022-2023 season on September 1 with a Coffee Social starting at 10am in the Community Room of the Goodnow Library, 21 Concord Road. The first meeting will be a brief presentation about upcoming programs. The club has a variety of monthly programs with speakers. It also has many activities including Lunch Bunch, Marathon Bridge,
Moh Jongg, book club, game day get-togethers, visits to various museums, a pot-luck holiday luncheon in December, spring tea, and a special 50th Anniversary luncheon in May. Their first activity will be a visit to The Butterfly Place in Westford on September 20.

Club members support the Thanksgiving collection for Sudbury families, the Sudbury Food Pantry and volunteer at the Senior Center. The Club also makes substantial donations to a variety of non-profits yearly.  This meeting (and the Club itself) is open to all women in Sudbury and the area communities. For more information, write to sudbury_villagers@yahoo.com.

Fairy Houses at New England Botanic Garden Set to Capture Nature’s Magic: Enchanted Forest Opens September 10

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BOYLSTON: New England Botanic Garden at Tower Hill is excited to announce the opening of a magical new exhibit sure to transport Garden visitors into the world of the fairies. Enchanted Forest: Nature-Inspired Fairy Houses by Sally J. Smith will be on view from September 10 through October 30. Featuring a fabulous display of intricately designed, nature-inspired fairy houses, this immersive exhibit will welcome visitors of all ages to explore the wonder of the natural world as the seasons change.

Fairy houses, miniature dwellings typically built using found natural materials like bark, acorns, pine cones, stones, moss, and flowers, are meant to invite elusive fairy visitors, or simply add fun and playfulness to a home or garden. Smith’s highly artistic fairy houses, adorned with balconies, porches, eaves, tiled roofs, and even highly detailed windows that appear paned with colorful glass, are made largely from materials found in the forest near her home in New York’s Adirondack Mountain region. In recent decades, creating fairy houses has captured public imagination as a way to appreciate the beauty and nuance of nature.

“We all like to be surprised by something,” Smith says. “I enjoy challenging the viewer to realize these houses are made with birch bark and twigs, and that all of this comes from nature, with a few exceptions.”

Enchanted Forest will transform The Ramble, a 1.5 acre accessible, whimsical woodland garden for children and families that New England Botanic Garden at Tower Hill opened in April. Four child-sized fairy houses topped with living roofs and several larger-than-life illuminated mushrooms will complement the exhibit. Each of Smith’s fairy houses will also be lit from within. Guests can enjoy this immersive display during the Garden’s daytime hours or at a series of special evening events scheduled on Fridays from September 30 to October 28. Known as Fairies Aglow, these family-friendly events will feature dazzling light displays, ethereal music, and a variety of enchanted activities that encourage guests to explore the wonders of the season.

“Enchanted Forest celebrates nature. It encourages us to pay attention to the wonders happening around us and to let these carry our imaginations to new places,” says Grace Elton, CEO of New England Botanic Garden at Tower Hill. “This exhibit couldn’t be better suited for our newest garden, The Ramble, a space designed to spark curiosity.”

“What I hope my work does for people is connect them to nature and inspire them to have their own exploration with nature in some way,” Smith says about her vision for Enchanted Forest.

The daughter of an architect/nature photographer and garden-lover, Smith discovered inspiration in nature at young age. Her upbringing in a rural Vermont town on Lake Champlain influenced her creative path. For over 22 years, Smith worked as a professional watercolor artist. For the past 15 years Smith has focused primarily on sculpture informed by the natural world. Her contemporary work includes ephemeral land-art and photography, in addition to fairy house creations. She shares her technical skill and design knowledge in an instructional book, Fairy Houses: How to Create Whimsical Homes for Fairy Folk, published by Cool Springs Press, an imprint of Quarto Publishing. 

To learn more about Sally J. Smith and her fairy houses visit https://sallyjsmithart.com/greenspirit-arts/faerie-houses/. For information on Enchanted Forest, Fairies Aglow, and other magical experiences coming up this fall at New England Botanic Garden at Tower Hill visit https://nebg.org/enchanted-forest or contact Liz Nye at lnye@nebg.org.
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Sudbury Announces Survey to Learn Community's Thoughts on Next Town Manager

SUDBURY: A community survey is available from the Town of Sudbury offering residents and local businesses the opportunity to share their thoughts regarding the skills and experience that the next Town Manager should possess.

“We are interested in learning about the skills and experience Sudbury’s residents and business community would like to see in their next Town Manager,” said Charlie Russo, Select Board Chair, on behalf of the Board. “It is critical that the Sudbury community is an integral part of this process.”

Sudbury has contracted with the consulting firm Community Paradigm Associates to assist in the search process. For the convenience of Sudbury residents, the survey is available in three formats:

Online: The online survey is available on the Town’s website and via the following link: https://forms.gle/MnDDnxheYT2G7n8f7

Paper: Those who prefer to complete a paper version of the survey may obtain a copy at the Town Clerk’s Office entry vestibule (322 Concord Rd), which is open 24/7. Look for the box marked “Town Manager Search Community Survey,” and return the completed form to the same location. Paper surveys are also available at the Senior Center (40 Fairbank Rd) during regular operating hours.

Phone: Those needing assistance with completing the survey, may do so over the phone by calling the Sudbury Senior Center at (978) 443-3055.

The survey will remain open through September 8, 2022. For more information, please contact the Sudbury Town Manager’s Office at (978) 639-3381.
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Beth Tikvah Synagogue Open House

WESTBOROUGH: Are you looking for a synagogue with a family feel where everyone knows your name? Are you looking for a spiritual home with Jews of all different backgrounds and ages who seek answers and meaning and care about each other and the greater community? Consider Beth Tikvah Synagogue. The goal at Beth Tikvah Synagogue is to enrich Jewish life by providing for education, ritual, social growth and community service in a friendly welcoming atmosphere.

If you are you looking for a Hebrew School where your child will develop a positive
Jewish identity, Beth Tikvah features small class sizes and outstanding caring teachers and an engaging, experiential curriculum delivers a comprehensive Jewish education that includes Hebrew, Jewish culture and history, ethics, bible studies and more.

Want to learn more?  There will be an Open House and barbecue at the Beth Tivkah Community Center, 30 Oak Street on Sunday August 28, from 4–6pm. Meet Rabbi Michael Swarttz, President EJ Dotts, Education Coordinator, Cindy Avergon, as well as other members of the board and congregation. You can also take a tour of the sanctuary at 45 Oak Street.  Please RSVP to EJ Dotts at president@bethtikvahsynagogue.org.

You can find more information about Beth Tikvah Synagogue and what makes us unique at www.BethTikvahSynagogue.org.
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St. Stephen to Welcome Pastor Mileski

MARLBOROUGH: On September 11, St. Stephen Lutheran Church will welcome Pastor Greg Mileski, who will serve as the church’s “regular supply pastor” until a new full-time pastor is called.  St. Stephen is in a transitional time between pastors.  In the Lutheran tradition, an interim pastor is assigned while the New England Synod looks for a new pastor to match the needs and goals of the congregation.

Pr. Joseph Graumann, who served  St. Stephen from 2016 until the last Sunday in June of this year, accepted a new call to a church in his home state of New Jersey. Over the summer, parishioners have had the opportunity to meet and hear a variety of preachers.

Greg Mileski grew up in the Pittsburgh area and graduated from the University of Pittsburgh with a degree in Religious Studies. “In college I enjoyed classes in biology and chemistry,” he said, “but really gravitated toward my classes in religion and literature.” After college and before seminary, he spent three years as a first grade teacher in Henderson, NC, through the service organization, Teach for America, that sends college graduates to places that have difficulty attracting teachers, 

Although he attended Trinity Lutheran Seminary in Columbus, Ohio, another seminary he visited, in South Carolina, was significant because it was there that  he met his wife, Jenny, who was the admissions director. They married after seminary and moved  to the Upper Peninsula of Michigan for his first call, where “ I enjoyed four years of parish ministry at United Lutheran Church in  L’Anse, Michigan,” Pr. Mileski said. During this time, the Mileskis’ two children, Leo, now 9, and Lena, 8, were born.

More religious studies were to be next in his journey. “During these parish years,” he said, “ I realized that my love of studying religious traditions wasn’t going away and I came to wonder if I might be of best service to the Church by teaching about the traditions other children of God enjoy and helping us to think about how Christianity is related to them, how a world of multiple religions might be exactly what God has intended all along.” 

The Mileskis moved to Boulder, Colorado, where Greg studied Buddhism at the University of Colorado and Naropa University, one of the very few Buddhist-affiliated universities in the country.  Interested in pursuing a doctorate, he was drawn to Boston College, as one of the world’s leading institutions in Comparative Theology. Pr. Mileski notes this field asks: “If we deeply study another religious tradition, how does our understanding of Christianity change and become enriched by that study?” He hopes to earn his doctorate sometime in 2023, with a topic generally defined as “How Can We Be More Christ-like?”

“I am very excited to spend some time walking with St. Stephen Lutheran Church,” Pr. Mileski said, “helping all of us to grow our roots more deeply in this tradition that is centered around this truth: God Loves Us, and because of that we are free to love one another, exactly as much as we’ve always deep-down wanted to!”
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MetroWest Conference for Women
Names Derith Cass & Sedruola Maruska Keynote Speakers for Upcoming Event 

FRAMINGHAM: The MetroWest Conference for Women will be hosting its sixth annual event on September 15. Leading the speaker line-up is habit transformation coach, Derith Cass, as well as Sedruola Maruska, a Business Consultant and Podcast host. Each will provide a keynote address to the anticipated 300-plus attendees. The conference will highlight topics that align with the key trends of the day that matter most to local MetroWest women. Erica Ayisi, Journalist and Entrepreneur will emcee the daylong event.

The MetroWest Conference for Women remains affordable for as many women as possible with a ticket price of $52, which includes breakfast, lunch, swag bag and afternoon celebration with a female DJ and complementary wine and hors d’oeuvres following the full-day conference. Sponsors for the event include TJX, Avidia Bank, MutualOne, Wegmans, Definitive Healthcare, and more. 

Derith Cass has been described as a “lover of life, fitness, and the human connection.” As a Habit Transformation coach she spends her time focusing on inspiring others to live a healthy lifestyle, and to fall in love with movement. Though she is a former athlete and coach by trade, she also puts a large emphasis on teaching positive behaviors and habits as well. Learn more about Derith here.  

As an Author, Speaker, and Personal Development coach, Sedruola Maruska has dedicated her life to helping women set intentional goals, and change the trajectory of their lives. As a cancer survivor, she brings a unique perspective on perseverance and “rediscovering our lost selves.” Learn more about this inspiring speaker before the event here. 

Erica Ayisi will be taking over as emcee for the annual conference, with an expansive background in journalism and
entrepreneurship. Erica is a freelance multimedia journalist, while also running an African Boutique called “Akosua’s Closet” on the side. She has been an exhibitor at She’s Local events for many years. Learn more about Erica here.  
 
For more information on keynote speakers, sponsors, exhibitors and panelist, go to sheslocal.org/metrowest-conference-for-women.
 
She’s Local creates conferences for women with a shared objective to support, connect and inspire one another, close to home. They are the women that we meet every day who have unique stories to share and relevant words of wisdom for others facing similar challenges. Their mission is to provide accessible platforms for all women in local communities. Offering world-class conferences, highlighting local women and resources, at an affordable price.
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The Northborough Free Summer Concerts Continue! 

NORTHBOROUGH: The Northborough Community Affairs Committee continues to hold fun, family summer concerts into August! These concerts take place at Ellsworth-McAfee Park (Rt. 135) in Northborough from 5-7pm on Thursdays and Sundays. Food trucks and other food vendors are in attendance with some fun activities for children of all ages! Here is the exciting August line-up:
 
Way Up South - August 11, 5-7pm: Way Up South has been tearing up the New England club and festival scene and rapidly gaining a reputation as an explosive live band with a deep well of compelling original music and stellar musicianship. Their expansive sound incorporates a maturity and musicianship that weaves in and out of southern, blues, country, jazz, and Americana rock - music whose precision and finesse still retain the loose spacey qualities and epitomize improvisational rock bands. This style has earned them the right to call their music "Big Sky" sound. The food vendors will include Northborough House of Pizza, Dogfather, Uhlman's Ice Cream and Yummy Mummy Bakery.

Playing Dead - August 21, 5-7pm: Playing Dead is a Grateful Dead tribute band featuring former members of Dark Star Orchestra, Slipknot!, and Uncle John's Band. Their marathon sets feature music and jams from the entire Grateful Dead catalog. Playing Dead faithfully recreates the experience of a live Grateful Dead concert. The music of The Grateful Dead is a complex stew of different styles of music including rock, blues, jazz, folk, bluegrass and more. Their improvisational style and large repertoire guaranteed that every musical performance would be unique. Every Playing Dead show is equally unique featuring different set lists each night and exciting improvisational jams.

The food vendors will include Sabor Latino, Dogfather, Easy Street Tacos, Uhlman's Ice Cream and Yummy Mummy Bakery.

Sponsors: The Shay Family; Carvalho and Roth Orthodontics; Lexus of Northborough; Michelle Gillespie - Keller Williams Realty; Karen Scopetski - Coldwell Banker Realty; Main Street Bank; Flaherty Physical Therapy; and Mathnasium.

For more information about the Northborough Community Affairs Committee, visit www.northboroughcac.weebly.com. 

Massachusetts Breast Cancer Coalition's Annual State-wide Against the Tide Multisport Virtual & In-person Events

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Massachusetts Breast Cancer Coalition (MBCC) is hosting its annual, statewide Against the Tide athletic fundraising events as both virtual and in-person events this summer.  
 
MBCC will hold its in-person Cape Cod Against the Tide event on August 13 at DCR’s Nickerson State Park in Brewster for the 23rd year. This event will feature a 1-mile recreational and competitive swim, a ½-mile recreational swim, 5K and 10K runs, a 3-mile walk, and a 1-mile USMS sanctioned swim.
 
Additionally, MBCC is offering participants the option to participate remotely in the Against the Tide August virtual event from August 6–13. The virtual event components include 1-mile recreational or competitive swims, a ½-mile recreational swim, 5K and 10K runs, and a 3-mile walk.
 
Registration for both the virtual and in-person options is $40 for an individual participant, and $100 for a family registration (up to 5 family members). Participants may register as an individual or as part of a team. Participants are encouraged to raise funds beyond the registration fees, as all proceeds support MBCC’s unique goal of breast cancer prevention. All participants will receive an event t-shirt. Prizes will be awarded for the top swim and run finishers of the in-person events. To learn more about all of the registration options or to make a pledge, please visit the MBCC website at www.mbcc.org/swim or call 508-246-3047.
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Sudbury Housing Trust Offers Available Funding

SUDBURY: The Sudbury Housing Trust has funding available to Sudbury residents that have been impacted by the COVID-19 pandemic. The Mortgage Assistance Program is funded by federal ARPA funds to help residents maintain housing. If eligible, the Program will provide mortgage assistance in the form of a grant to be paid directly to lenders.
Funding will be provided to owners who meet the eligibility requirements and complete the application process, including ALL ATTACHMENTS. Funding is available on a first-come, first-served basis until funds are exhausted.

Program Details: 
 
  • Applications are accepted on a rolling basis, and eligibility is determined. Please email info@RHSOhousing.org to obtain an application. 
  • If approved, Owner provides Lender’s W9, and Owner and Trust sign Participation Agreement.
  • Town issues payment/s payable to the Lender, forwarded by Owner to Lender. Owner is responsible for remaining amounts for taxes and insurance portion of payment.

Grant Amount: Up to $3,000 of assistance, in monthly payments payable to the holder of first mortgage, towards arrears of outstanding principal (since April 2020) or upcoming payment. Other housing costs (e.g., condo fees, escrowed insurance or taxes, home equity line of credit, or second mortgages, etc.) are not covered expenses.

Application Assistance:
 
Mail or Drop-off hard copy to: 37 Knox Trail, Acton MA 01720 (Black mail box at bottom of steps)
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Northboro-Southboro Girls Softball - Fall Season Registration

NORTHBOROUGH/SOUTHBOROUGH: Northboro-Southboro Girls Softball, a division of Algonquin Baseball Softball Organization, is open to girls in grades K-12th for their Fall Season. All skill levels welcome. This program teaches girls how to play the game but also promoted FUN. The emphasis is on being part of a team and making new friendships.
 
When possible there are Northboro teams and Southboro teams. All teams will have a practice during the week (determined by the coach) and a game on the weekend. Proposed schedule is 8u on Saturdays and all other age groups on Sundays. They do try to work with soccer to avoid conflicts.
 
Team placement is based solely on players' birth dates - please use the below as a guide for the division in which your daughter would be placed:
 
6u Division:    01/01/2016 to 08/31/2017
8u Division:    01/01/2014 to 12/31/2015
10u Divison:   01/01/2012 to 12/31/2013
12u Division:  01/01/2010 to 12/31/2011
14u Division:  09/01/2008 to 12/31/2009
HS Division:   Grades 9-12, Fall only
 
Registration is currently open at www.algonquinbsa.org/Default.aspx?tabid=1383610 and teams will start to be formed in August. Please register by August 5 to secure a spot on a team. The Fall season will run from approximately the week before school starts until mid-October. More information will be shared as the start of the season nears.If you have any questions about the program, please reach out to softball@algonquinbsa.org.

FINANCIAL FOCUS: Market decline offers buying opportunities

July 27, 2022

The financial markets have gotten off to a rocky start this year. What’s caused this volatility? And does it present opportunities for patient investors?

First of all, several factors are behind the market volatility, including the war in Ukraine, higher inflation, rising interest rates and the lingering effects of the COVID-19 pandemic. However, while these factors may be specific to the recent market decline, volatility itself is a common feature of the investment environment. In fact, history shows that corrections of 10% or more happen about every year, and declines of 15% or more have happened every other year, on average. Furthermore, while 2022 has thus far been challenging for investors, it was preceded by a long period of strong markets, with the S&P 500 averaging more than a 20% return over the past three years. 

Knowing the typical frequency of market volatility and reviewing the results of the past few years may make the current situation seem less shocking. But you don’t have to simply “ride out” the downturn – because a down market may give you the opportunity to buy more investment shares at good prices. Specifically, you can expand your holdings in companies that have good growth prospects due to strong management and products or services that provide sustainable competitive advantages. And this type of opportunity is important, because one of the keys to building wealth is to increase the number of shares you own in your various investments and hold them for the long term. While the market will always fluctuate, the long-term trend has been positive, particularly for well-diversified portfolios built with quality investments.       

Of course, while it is a good idea to boost your share ownership at favorable prices, you still want to be strategic about it, rather than just buying whatever seems to be the biggest bargain. In reviewing your existing portfolio, can you identify any gaps that could be filled with new investments? Are there opportunities to further diversify your holdings? By owning different types of stocks, bonds, government securities and other investments, you can help reduce the impact of volatility on your portfolio. (Keep in mind, though, that diversification can’t guarantee profits or prevent losses in declining markets.) Or, if your portfolio has become “unbalanced” in some way, you could also use this time to rebalance it back to its original long-term targets. You might also consider setting up a systematic investing program in which you invest the same amounts in the same investments on a regular basis, such as monthly. When prices go down, you’ll automatically buy more shares, and when prices rise, you’ll buy fewer shares. (However, ​systematic investing does not guarantee a profit or protect against loss and you’ll need to be willing to keep investing when share prices are declining.)
Before this year, average annual returns have been solid for about a decade, which makes it somewhat easy to forget about normal market volatility and may have led to overly optimistic performance expectations. So, it would not be surprising if your initial reaction to the current downturn is one of concern. But by viewing the current investment environment as a chance to add quality investments at attractive prices, you can help yourself develop a behavior that can serve you well throughout your life as an investor.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, Member SIPC
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Northboro-Southboro Girls Softball - Fall Season Registration

NORTHBOROUGH/SOUTHBOROUGH: Northboro-Southboro Girls Softball, a division of Algonquin Baseball Softball Organization, is open to girls in grades K-12th for their Fall Season. All skill levels welcome. This program teaches girls how to play the game but also promoted FUN. The emphasis is on being part of a team and making new friendships.
 
When possible there are Northboro teams and Southboro teams. All teams will have a practice during the week (determined by the coach) and a game on the weekend. Proposed schedule is 8u on Saturdays and all other age groups on Sundays. They do try to work with soccer to avoid conflicts.
 
Team placement is based solely on players' birth dates - please use the below as a guide for the division in which your daughter would be placed:
 
6u Division:    01/01/2016 to 08/31/2017
8u Division:    01/01/2014 to 12/31/2015
10u Divison:   01/01/2012 to 12/31/2013
12u Division:  01/01/2010 to 12/31/2011
14u Division:  09/01/2008 to 12/31/2009
HS Division:   Grades 9-12, Fall only
 
Registration is currently open at www.algonquinbsa.org/Default.aspx?tabid=1383610 and teams will start to be formed in August. Please register by August 5 to secure a spot on a team. The Fall season will run from approximately the week before school starts until mid-October. More information will be shared as the start of the season nears.If you have any questions about the program, please reach out to softball@algonquinbsa.org.
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FINANCIAL FOCUS: Strengthen Your ‘Three-legged Stool’ for Retirement

July 18, 2022

For many years, Americans provided for their retirement needs through three sources: employer-sponsored pension plans, Social Security income, and savings and investments accumulated through employer plans or individual accounts – the so-called “three-legged stool.” But today, that stool is shakier than it used to be. What can you do to strengthen it?

To begin with, all three legs of the stool are facing challenges. Let’s consider them:

• Employer pensions – A generation ago, workers employed in many companies could count on a set monthly pension income to help them through their retirement years. Today, pensions – also known as defined benefit plans – are mostly found in public sector employment, as most private-sector employers have replaced their pensions with 401(k) and similar plans. These plans can be quite effective at helping build resources for retirement, but they do place most of the responsibility for saving on the employee.

• Social Security – Social Security has come under financial pressure because the workers-to-retirees ratio has declined significantly, according to the Social Security Administration’s 2021 Board of Trustees Report. A number of proposals have been brought forward on how to improve the long-term financial security of the Social Security system.

• Personal savings and investments – In terms of building savings and investments for retirement, the picture is somewhat mixed. The national savings rate has increased in recent years, but more than half of American workers still say their retirement savings are not where they should be, according to a 2021 survey from Bankrate, a personal finance website. And the same survey found that just over half of investors with a 401(k) or IRA have taken early withdrawals – that is, they withdrew money before they retired. Furthermore, we may be waiting too long even to begin saving/investing for retirement. A survey from Age Wave and Edward Jones found that respondents began saving for retirement at an average age of 38, but the majority said they should have started saving a decade earlier.

You have options for improving some parts of your own three-legged stool. For example, no matter what happens to Social Security, you can still decide when to start taking payments. You can begin collecting benefits as early as 62, but your monthly checks will be larger if you wait until your “full” retirement age, which will likely be between 66 and 67. You can even delay taking benefits until they “max out” at age 70.

As for a pension, you can’t control what’s available to you through your employer, but you can create your own retirement income stream by contributing as much as you can afford to your 401(k) or other employer-sponsored plan and by increasing your contributions whenever your salary goes up. And you can also contribute to an IRA or other investment vehicle to further boost your retirement funds. Try to leave these accounts intact until you need them for retirement. This will be easier if you’ve built an emergency fund, with the money kept in a liquid, low-risk account, to pay for unexpected costs, such as those resulting from a major car or home repair.

The three-legged stool may not be as universal as it once was – but you can still construct a sturdy structure to support your retirement needs in the future.

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