Brotherhood Credit Union’s long standing relationship with Girls Inc. of Lynn enabled BCU to execute a financial literacy seminar for a group of their teens. CFO Adam H. Sherman, Head Teller Seam Chan, and Member Service Representative Emy Lebron explained the importance of credit reporting, credit history, and credit cards. Many of these students are not taught these topics in school and had many questions answered about financial literacy and banking.
By Jeff Shmase
DANVERS – Two gym rats who have known each other for 20 years have gone into business together. Peabody’s George Ferullo and Kenny Noto, who grew up in Peabody and Lynnfield, are the new co-owners of North Shore Nutrition Corner, located at 136 Andover St. (Route 114).
Competitive bodybuilders, Ferullo and Noto first talked about the concept last summer. A friend who had opened a store in Portland, Maine approached them at the gym, and looking for a career change, Ferullo and Noto jumped on the opportunity. Ferullo is an accountant by trade and Noto has worked in the family’s restaurant business.
“We both worked a ton of hours and we were looking for a change,” said Ferullo.
The duo have used their connections in local gyms as well as people they met in the restaurant or in the office as a means to network their new adventure. They have also successfully used Facebook to market their store and promotions.
Open six weeks, the store carries protein and carbohydrate products, all-natural vitamins and more. While the area features pictures of bodybuilders and other very-fit looking people, Noto said the store caters to people looking to get in shape, lose weight as well as competitive bodybuilders.
Ferullo acknowledged that the Nutrition Corner is not the only player in the market, but said it is different in a couple of key areas.
“We have competed and have a broad base of knowledge of supplements, nutrition and training,” he said.
Unlike a competitor, the store does not carry house brands where the profit margins are high, Ferullo said. Instead, it features only nationwide labels.
The store features a large holistic section. There are vegan lines, natural herbs and fish oil supplements as well.
Because they have worked out collectively for many years, the pair has become self-educated on the products that are useful. They also, personally, try products to gauge their effectiveness.
The market is also one that is evolving.
“There have been items that have been removed from the market,” Ferullo said. “The FDA will crack down if you push the envelope. They then rework the formulas in the products.”
Noto added the powdered protein market has been virtually unchanged in the past 30 years.
“You will see stimulants taken off the market. They work, but they have had some adverse effects on people. We are up to date on all of that. If something should not be here, it’s not.”
Noto said he pays particular attention to children wishing to strengthen their bodies – as both he and Ferullo have kids.
“The other day we had a kid come in who was looking at pro hormones,” said Noto, who added the product is only sold to people 18 and older who provide an identification. “I asked him how long he had been working out and he told me six weeks and said he had not gotten the results he wanted. I told him it’s a process; it takes time, you learn things and build up over time, that it takes perseverance.
“Parents can be assured that when they come in the store looking for something for their children, we won’t put them in a direction of an item that will harm their child. I won’t sell something to make a buck. I will sell something that works so they will want to come back and it keeps the kids safe.”
“We’re honest to a fault,” Ferullo said. “We will tell them if we don’t like the product.”
The co-owners’ ages have also worked to their advantage; Noto is 45.
“If somebody is 40 and says it’s tough to get in shape at their age, we tell them our ages and tell them it can be done at any age. That provides them with inspiration and encouragement.”
The North Shore Nutrition Corner is open seven days a week.
DANVERS – It’s strawberry season and to acknowledge the occasion Connors Farm (Route 35, 30 Valley Rd) will be holding its annual Strawberry Festival this Saturday. The event will feature live music, a jumping pillow, farm animals, hayrides, a cow train, a grain train, duck races, pedal carts and pick your own strawberries (up to a certain container size) for a fee of $6.95. An additional charge will be applied for food, pony rides, and face painting.
The day will also include Bob’s Barbecue Pit where for a separate charge food items including chicken fingers, hot dogs, hamburgers, sausage, pulled pork, French fries and onion rings will be available. For more information about the pit, call (978) 777-1245.
A portion of the proceeds from the event will benefit the Jimmy Fund Clinic at Dana Farber. Children 2 years old and younger will be admitted free.
In case of rain, the event will be held Sunday, June 22.
(Wakefield, MA) – The Retail Lending Department at The Savings Bank has been recognized by Banker & Tradesman as the #1 Mortgage Lender for 2013 in Wakefield. The well-respected banking publication indicated this recognition was based on the number of loans closed on 1 to 4 family owner occupied homes, as well as home equity and commercial real estate loans.
TSB was also the #1 lender in Wakefield for 2012.According to Banker & Tradesman data, The Savings Bank ranked at the top of more than 200 lenders who serviced the Wakefield area in 2013.The Savings Bank closed 122 loans during the year in Wakefield, totaling more than $31.3 million. Of the 122 loans, 28 represented purchase mortgage loans totaling more than $8.1 million, and 94 non-purchase mortgage loans totaling $23.1 million.
The Bank’s successful First Time Home Homebuyer Program closed 46 loans for $14.5 million in 2013, 10 of which were in Wakefield, according to Kathleen M. Beaulieu, Senior Vice President – Retail Lending Officer. Wakefield loans closed through this program totaled $3,107,200.“The First Time Homebuyer program at The Savings Bank has been a tremendous success since it was launched in 1993,” Senior Vice President Beaulieu said.
“The Bank has closed 577 First Time Homebuyer Loans since 1993, representing $127 million. This program is a great addition to the extensive lending portfolio at The Savings Bank.”“We are honored to be recognized again by Banker & Tradesman, and we are grateful to the homebuyers, home owners and commercial property owners who chose The Savings Bank as their lender.”
(Front row, left to right) Kathleen Beaulieu, Senior Vice President – Retail Lending; and Cristina Picanco, Administrative Assistant. (Back row, left to right) Melody Silveira, Loan Processor; Christine Bombaci, Vice President – Retail Lending; Courtney Miano, Underwriter; Jeff D’Alessandro, Assistant Vice President - Senior Loan Originator; and Jamie Devou, Loan Processor.
BOSTON - Officials from the Department of Conservation and Recreation (DCR) announced that a quarantine will be established in Essex County to stop the spread of the invasive Emerald Ash Borer (EAB).
The quarantine will take effect Tuesday, April 1st, 2014. This decision comes after the December 2013 discovery of EAB in North Andover as well as an extensive survey of the affected area and public hearings. “The Emerald Ash Borer poses a very serious threat to ash trees across the Commonwealth,” said DCR Commissioner Jack Murray. “We believe a county-wide quarantine of Essex County provides the best chance for slowing the spread of this invasive species.” The quarantine order means that certain products will be regulated from moving outside the contained area, including all hardwood firewood (any piece of wood smaller than 48”), all ash nursery stock and any ash lumber that has not been treated. Proper wood treatments include the removal of bark and half an inch of wood, dry kiln sterilization, fumigation and heat treatments. Massachusetts is one of 22 states to have discovered EAB within its borders.
In August 2012, EAB was detected in Dalton, leading to a quarantine of Berkshire County. Immediately following the detection of the invasive species in North Andover, DCR began work with the Massachusetts Department of Agricultural Resources (DAR), the United States Forest Service (USFS) and the United State Department of Agriculture’s (USDA) Animal and Plant Health Inspection Service (APHIS) to formulate a plan for dealing with the invasive insect.With funding from the USFS, DCR also surveyed the area by girdling more than 40 trees, which stresses individual trees in an attempt to attract and identify any EAB in the area. After the survey was completed, no trees were found to have EAB larvae present except in the initial area of infestation. DCR also engaged in a public outreach campaign allowing the public to express their opinions and concerns on the topic of quarantine. Plans for future surveys are currently being discussed and EAB traps will be utilized again this summer across Massachusetts. Approximately 100 ash trees will be girdled in Essex County and will serve as trap trees to continue to help identify the extent of the infestation.
Residents should be aware of the warning signs of EAB in Ash trees. These include: thinning of the upper canopy of the tree, increased woodpecker activity, early summer/fall leaf loss and “D-shaped” holes in the bark of the tree. Please visit www.emeraldashborer.info for additional information. To report possible infestation, please contact the US Forest Service at 1-866-322-4512. The Massachusetts Department of Conservation and Recreation (DCR), an agency of the Executive Office of Energy and Environmental Affairs, oversees 450,000 acres of parks and forests, beaches, bike trails, watersheds, dams, and parkways. Led by Commissioner Jack Murray, the agency’s mission is to protect, promote, and enhance our common wealth of natural, cultural, and recreational resources. To learn more about DCR, our facilities, and our programs, please visit www.mass.gov/dcr. Contact us firstname.lastname@example.org.
The Marblehead Chamber of Commerce announces their First Annual Spring Fling, scheduled for April 12 from 10 a.m. to 5 p.m. throughout town. Marblehead Chamber members have joined together to continue the festive atmosphere of Christmas Walk as they launch our first Spring Fling. Celebrating arts, culture, history, unique boutiques, and jewels with fun, treats, sales and more for kids, pets and adults!
For a full listing of events check out the online guide. http://www.marbleheadchamber.org/documents/Spring_Fling_2014_Events.pdf
Moraine Farm, a property of The Trustees of Reservations, begins its fourth season as a community farm. Located in North Beverly, just minutes off 128 at exit 20, the farm provides local residents, area school children, and local food pantries with seasonal farm-fresh produce and provides community members of all ages meaningful volunteer opportunities. With seedlings already sprouting in the greenhouse, Moraine Farm Manager Gretta Anderson looks forward to another successful growing season – and hopes to top last season’s $12,000 worth of organically-grown produce donated to Beverly Bootstraps.
The farm will also continue to provide Beverly and Salem public schools with seasonal fresh produce. Farm Shares, also known as Community Supported Agriculture or CSA shares, are available for the 2014 growing season. Members purchase a “share” of the upcoming season’s harvest. From early May to the end of October, members come to the farm to pick up their share of the harvest, explore the pick-your-own garden, and enjoy the historic Olmsted designed landscape. A member of the community farm since 2012, Paula V. notes,
“Good produce is not my only benefit from Moraine. I'm volunteering on the farm a couple of days each week, for just a few hours each day, and this new experience is such a pleasure! I get to do work of value, and I'm meeting wonderful people.” Volunteers are an integral part of the Moraine Farm landscape – making it truly a community farm. The volunteer opportunities are plentiful, whether you are looking to roll up your sleeves and dig in or want to help support the farm’s Food for All program.
Currently, volunteers are needed to help remove invasive plants from the property, spruce up the antique red barn and plant seeds in the greenhouse. When the season is underway, the farm will need volunteers to help deliver produce to the Beverly High School, Bentley school in Salem and Beverly Bootstraps Mobile Markets. Sign on today to be a part of the Moraine Farm community! To Purchase your Farm Share and to learn more about the farm visit www.thetrustees.org/morainefarm or email Farm Manager Gretta Anderson, email@example.com. For a complete list of volunteer opportunities visit www.thetrustees.org/volunteer.
The old house had been vacant for several years and was condemned for its condition when the property was purchased for the construction of a new preschool. The old rabbit and homing pigeon barn was partially collapsed and dangerous and it looked as if the house would soon follow suit.
When the demolition crews hired by Zeraschi and Son, the general contractor and purchaser of the property at 244 Maple street, started pulling apart the house, however they discovered some treasures inside: dozens of trophies from breeders contests an antique door ringer and more. Zeraschi, knowing the history of the Scott family, brought the artifacts to the Middleton historical society at the Flint Library.Fast forward about six months to find the newly opened Goddard School standing high on the property behind where the old house once was.
The school had only been open a few weeks when a post appeared on their Facebook page. The post, written by a descendent of the family, described the happiness shared in the old homestead and stated “I cannot tell you how happy my Nona would be to know that there will be the laughter of children on the property once more.”Kris Girrell, the owner of the new school, was moved. “I felt compelled to contact her not just to thank her, but to find out more about the story.”
Through several email exchanges between Girrell and Shyre Lancia granddaughter of Minetta (Nona) Scott, the school owners found out some of the heritage of the family, the Scott barns at the Topsfield fair and even a fair warning that the school might be visited in the spring by some homing pigeons!“It was such a warming family story that we wanted to capture some of it for our teachers and students,” added Girrell. “It seemed fitting to name our teacher’s resource room after this wonderful grandmother who was the source of learning for her family.” Aptly the room now bears the inscription “The Minetta Room” with a brief paragraph about this little corner of Middleton heritage.
April 1st kicks off what may well be the strongest seasonal lineup the Enterprise Center at Salem State University has ever offered. No joke. Everything the Center strives to include in a season is there: basic marketing and finance workshops for new entrepreneurs; workshops on the latest trends, such as social entrepreneurship and marketing to Millennials; sessions on balancing personal and work lives; and a special series or two, in this case, a series of workshops for veterans. Veterans, who are increasingly considering becoming entrepreneurs, can learn about resources to help them get a job, or start and run their own business. The three-session series will include opportunities to talk with vets who have started businesses and with professionals providing business services for vets. The Center invites you to hit the ground running (assuming there's no snow or ice!) on April 1st with a must-attend session on how to get your sales on the fast track. It's followed just two days later by a dynamic half-day workshop on creativity for business professionals, being led and co-sponsored by of Montserrat College of Art. That's just the beginning of the special programs on tap for everyone, not just vets, this spring. Do you wonder how to reach or manage those young people called Generation Y or the Millennials? There are two workshops you won't want to miss. Do you struggle to keep your work and personal lives in balance? Dream of escaping to a less hectic, less complicated world? Check out our Simplify Your Life series. What about marketing and finance workshops? They're there, as are sessions on improving your negotiating skills, self-publishing, and social entrepreneurship. Two 128 Venture North breakfasts are scheduled, including a return of the popular Piranha Pond on April 30th. All in all, the Spring/Summer session promises to be packed with good information and advice from a wide range of business professionals. The Enterprise Center is honored to have the Hawthorne Hotel as its spring sponsor. All workshops through May 10th will be held at the hotel due to construction on the SSU campus. Parking is available in the hotel's lots, on the street, or in either of the city's two parking garages, both just a block away. Most workshops are free and many will be live streamed for those unable to attend in person. As of May 13th, workshops will once again take place at the Enterprise Center. To register or learn more about the Spring/Summer workshop topics and speakers, go to www.enterprisectr.org, where you can also download a copy of the Spring/Summer brochure. The Enterprise Center at Salem State University arms business owners with the knowledge and skills to start their business, grow and succeed. The Enterprise Center is located at 121 Loring Avenue, Salem, MA 01970. Phone 978-542-7528,www.enterprisectr.org.