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Sandwich, MA-based McNamara & Yates offers debt relief with new bankruptcy division

July 28, 2015 // by admin

Cape Cod Bankruptcy Attorney Tim McNamara of McNamara & Yates, P.C.

SANDWICH, MA…

In the past, filing bankruptcy carried a social stigma that probably kept many people from seeking out this alternative. While the perception of filing bankruptcy may have changed, many struggling households do not seek out this option simply out of not knowing what it entails. With that in mind, McNamara & Yates, a Sandwich, MA-based law firm, has established a bankruptcy division to better serve people who can benefit from the new beginning filing for bankruptcy can provide.

The new division, under the leadership of Attorney Timothy McNamara, will specialize in Chapter 7 and Chapter 13 bankruptcy filings. Like most bankruptcy offices the division will also provide credit counseling and other resources needed for individuals to complete his/her bankruptcy filing. What will set this bankruptcy practice apart from others, however, is an incorporation of new technology for faster case review times.

“Many law practices in our area seem to take a ‘call us when you need us’ approach towards prospective clients.” said McNamara. “With the introduction of our new online case review service at www.mabankruptcylawyers.com, we’re telling people that we want them to check in with us as early as possible. That’s why we offer a free consultation for all first-time clients.”

A Chapter 7 bankruptcy filing is something most people are familiar with. It involves a liquidation of all assets. What some people still do not know is that even though you liquidate your assets there are some exemptions that can enable filers to keep certain items and possessions.

A Chapter 13 filing is a debtor reorganization that individuals use to try and restructure their debt(s) and then pay those off. A typical Chapter 13 filing can mean repayment of your debts over a three- to five-year time period.

According to the American Bankruptcy Institute, there were approximately 3734 Chapter 7 and Chapter 13 filings in Massachusetts through May 2015. The total for all of 2014 was 10,033.

“Every filing is different. Sometimes both Chapter 13 and Chapter 7 are options. In other cases, there is only one option,” said McNamara. “Our firm has the experience and expertise to review a debtor’s financial situation and determine the best strategy for the debtor, as well as whether or not more than one strategy is available.”

For a free bankruptcy case review, you visit McNamara & Yates’ website at www.mabankruptcylawyers.com or call 508-888-8100. Payment plans are available.

For more information on the firm, visit www.cape-law.com.

About McNamara & Yates

Founded in 2012, McNamara & Yates, P.C. is a full-service law firm specializing in bankruptcy, business law, estate planning, guardianship, Medicaid planning and probate law. Based on Cape Cod at 128 Route 6A in Sandwich, Massachusetts, McNamara & Yates is committed to providing clients throughout the Cape and Islands and South Shore with personal attention and superior legal service at reasonable rates. For more information, contact (508) 888-8100 or visit their website at http://www.cape-law.com.

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Volunteers needed for 5th annual Run for Faith on Sun., August 23

July 28, 2015 // by admin

PLYMOUTH, MA…

The fifth annual Run for Faith recently announced it is looking for volunteers to man registration tables, water stations and other day-of-race functions. The 4.58-mile race will take place at 8:30 am on Sunday, August 23 from Plimoth Plantation.

“Volunteers are a key to any successful road race. For the Run for Faith, they have been even more important. I will never forget those people who volunteered for the first run, which took place right before Hurricane Irene hit. Many of those people have been back ever year since,” said Matt Romboldi, one of the founders of the race run in memory of his mother, Faith “Marcy” Romboldi, who lost her battle with cancer in 2010.

Adds Romboldi, “Volunteers for the Run for Faith come from all walks of life. They are friends and the children of friends of my mother. They are people who have run the race before but can’t this year. Some are just people who have heard about the race and want to be part of the effort to raise money for the Dana Farber. All are welcome.”

In its brief history, the Run for Faith has donated more than $20,000 to the Dana Farber’s Yawkey Center for Cancer Care and more than $10,000 in scholarships to graduating Plymouth North and Plymouth South high school students. With the 5^th annual Run for Faith set for Sunday, August 23, organizers are counting on year four of this four-mile race to break previous fundraising efforts and volunteers are a significant part of that endeavor.

Those interested in volunteering can contact Matt Romboldi at info@runforfaithplymouth.org.

The 4.58-mile Run for Faith race loop captures spectacular views of Cape Cod Bay, the Eel River and scenic horse farms. The course features rolling hills and unmatched history. Water stations are plentiful and the event is chip timing for more accurate time tracking. This technology also triggers a camera along the course so runners can have a photo of themselves in action during the run. Walkers are welcome.

The Run for Faith is a gold member in the Bayside Runner Racing Series. The entry fee is $25 and runners can register at www.runforfaithplymouth.org.

Cash prizes will go to top three finishers, male and female, and awards will be given to top finishers for various age groups. Post-race “light refreshments” will include bananas, oranges, bagels, muffins and scones. To amuse younger family members, a jumpy house will be available. A number of vendors will be on hand to sell their wares before and after the race.

The Run for Faith is organized by Run for Faith, Inc., which is 501(c)(3) non-profit organization created to commemorate the special life of Faith “Marcy” Romboldi who gave so much of herself to both individuals and the community.

For more information, please visit www.runforfaithplymouth.org, or email info@runforfaithplymouth.org. You can view the course online at: http://www.mapmyrun.com/us/plymouth-ma/run-for-faith-plymouth-ma-route-115100461.

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Back to bike riding? Watch your back.

July 27, 2015 // by admin

DATELINE: Rhode Island…

“It’s like riding a bicycle”. How many times have we heard or used that expression? Yet if you have been away from bike riding for a long period of time, getting back in the saddle can have some repercussions on your body, particularly your back, if your bike is not set up properly.

“Biking can be a great workout for those looking to ease back into an exercise program,” said Dr. Michael Gottfried, president of the Chiropractic Society of Rhode Island and a chiropractor at Aquidneck Chiropractic. “You do have to be careful with bike selection and the settings on your bike so that your new biking regimen can benefit you the most.”

The most important part of getting back to bike riding is finding a bike that fits you. The size of the frame you choose is dictated by your leg length, not your actual height. To find the right size, straddle the bike with both feet flat on the ground. There should be an inch or two of clearance between your crotch and the bike frame.

You also want to be sure your saddle or bicycle seat is positioned correctly. To determine that, have someone hold the bike while you sit on it. Rotate your pedals until horizontal in the 3 o’clock and 9 o’clock positions. If your saddle is positioned properly, your forward knee should be directly over the respective pedal axle (with the ball of your foot on the pedal). If you need to adjust the seat, needed, loosen the seat post and slide the saddle forward or backward, keeping the seat level.

You always want your seat to be level. You may want to check this periodically. You can do so by using a carpenter’s level balanced on the saddle while the bike is on level ground. An unlevel saddle tips you too much in either direction and that places pressure on your arms, shoulders, and lower back.

Finally, there’s handlebar position and distance. Handlebar setup is a matter of personal preference because it will affect shoulder, neck, and back comfort. Generally, handlebars are positioned higher for comfort (a more upright riding position) and lower for improved aerodynamics. If you are having issues with your back, upright might be the preferred way to go.

“If you’re unsure, most bike shops will help you position your seat and handlebars appropriately. If you’re presently seeing a chiropractor, you may also want to bring your bike to next appointment and ask your doctor for his/her advice,” said Gottfried. “Also, if you are really concerned about what bike riding might do, try a recumbent bicycle, which is more biomechanically aligned to allow for minimal stress on the back and knees.”

The Chiropractic Society of Rhode Island, founded in 1918, is one of the oldest chiropractic associations in the country and represents over 60 of the practicing chiropractic physicians in the state of RI. Chiropractic is the largest non-drug health care profession in the US. The chiropractic profession has been affording relief for many types of health conditions naturally, without drugs and their potentially harmful side-effects, for over 100 years.

Chiropractic Society of Rhode Island is located at 1272 West Main Road, Building 2, Middletown, RI 02842. For more information, call (401) 207-0700 or visit www.RIchiro.org.

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Rent to Own Division expands and reawakens the American dream of home ownership.

July 27, 2015 // by admin

More than 82 percent of Americans do not qualify for a conventional mortgage. Life events such as bankruptcy, insurmountable medical bills, divorce and career changes can be major roadblocks.

Pre-Property Solutions, based in both Newport, RI and Northboro, MA, has expanded its “Rent to Own” division that offers an alternative. The enhanced program helps home seekers with poor credit, no credit and/or a limited amount to invest.

Pre-Property Solutions are not loan brokers, bankers, real estate agents or selling homes for someone else. The company are the owners or have a legal equitable interest in the property.

Chris Prefontaine, Managing Director of Pre-Property Solutions and a 24 year veteran in the real estate industry, notes, “We offer an avenue to home ownership that most are not familiar with. This is a solid, proven, step by step process to help Massachusetts and Rhode Island residents achieve their home ownership dream. We have helped dozens of families achieve home ownership and we are anxious to assist others.”

The “rent to own” program is straight-forward. The buyer deposits 3 to 10 percent of the home’s market value price. Pre-Property Solutions then connects the buyer to a third party credit repair consultant who works with the buyer to repair their credit situation. Typically, the buyer is able to qualify for a conventional mortgage within 9 months to 5 years.

During the credit repair process, often times a portion of the rent payment is applied towards the purchase of the home.

The rent to own program hinges on the fact that Pre-Property Solutions is a private real estate investor who buys and sells houses. All properties are either owned by Pre Holdings or the company has a purchase contract and/or option with the owner of the property, which Pre Holdings may assign to third parties or retains. Pre Holdings is not a real estate brokerage and does not provide realtor services to the public, or to any of the parties to which it has contractual relationships.

The company works with sellers who are flexible on price and terms, or who may be stuck with over leveraged homes and behind on mortgages. Some sellers are in no hurry and just want top dollar and happily work with their terms.

Pre-Property Solutions in some instances even pays cash for the home and can close in about a week if that best suits all parties. The goal is to create a win-win purchase that is good for everyone.

Pre-Property Solutions donates $100 of every home sale to the Franciscan Hospital for Children in Boston in the name of Nick Prefontaine, the son of Chris Prefontaine, who continues to benefit from their great work and who works in the business with Chris.

Pre-Property Solutions are members of the Newport County Chamber of Commerce and Better Business Bureau. The company maintains an A+ rating with the Better Business Bureau.

Pre-Property Solutions maintains two offices, one at 580 Thames Street, Newport, RI and another at 360 Church Street, Suite 230, Northboro, MA.

For more information about the Pre-Property Solutions and the “Rent to Own” program, call 855 667 7336 or visit www.prepropertysolutions.com.

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South Coast Improvement, Co. completes Cedar Dell renovation in Dartmouth, MA

July 23, 2015 // by admin

The Residence at Cedar Dell, Dartmouth, MA

DARTMOUTH, MA and MARION, MA…

South Coast Improvement Company (SCI), a design-build general contractor serving New England and the Mid-Atlantic states, recently finished a restoration project at The Residence at Cedar Dell, an independent, assisted and memory care living home at 628 Old Westport Road in Dartmouth, Massachusetts.

The $700,000 renovation featured improvements to resident units, common areas (seating areas, library and gym), corridors, a new exterior walkway and a new elevator. The project also included apartment buildouts, fresh paint, new carpeting in multiple units, offices and common areas, and the installation of a number of other new amenities throughout the facilities (rails, cabinets, ceiling lights, handicap shower benches, etc.

“You always want a great finished product, but the real key to a project like this is to keep disruption to residents and the daily operations to a minimum. With this project, I feel pretty confident we succeed on both counts,” said Tom Quinlan, president of South Coast Improvement.

Work began on the Residence at Cedar Dell on November 1 and was completed on time and under budget. For more information on The Residence at Cedar Dell, visit http://residencecedar.com/.

Based in Marion, Mass., South Coast Improvement Co is a recognized leader in providing building and renovation services to a client base of senior living, healthcare, institutional and retail clients. For more information, please call 508-748-6545 or visit www.southcoastimprovement.com.

About South Coast Improvement Company

South Coast Improvement offers a range of design, construction and management services across a variety of sectors—interiors as well as exteriors—including office buildings, health care facilities, educational institutions, commercial properties, assisted living facilities, and residential communities. South Coast Improvement’s services include: Preconstruction analysis; Construction management; General contracting; Design/build services; Capital improvement; Building envelope improvements; and Interior renovations.

For more information, visit www.southcoastimprovement.com or call 508-748-6545.

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Emerson Bearing Boston Promotes Mike Quinn to Marketing Specialist

July 21, 2015 // by admin

Emerson Bearing Boston, a bearing company catering to OEM (Original Equipment Manufacturers) and MRO (Maintenance, Repair and Operations) markets around the world, has promoted Mike Quinn, a Brighton resident, to Marketing Specialist.

Quinn has been a key member of the Emerson Bearing Boston team for more than two years and has recently been promoted from Inside Sales Representative to Marketing Specialist. Dedicated to accommodating the unique bearing needs of industry customers, Quinn will oversee accounts in the electric motor repair, commercial laundry, microbrewery, water and wastewater management industries. His responsibilities will include managing accounts, product recommendations, pricing, purchasing marketing and some light engineering.

Bearing Failure Analysis

As part of their customer care, Emerson Bearing Boston offers the unique service of “Bearing Failure Analysis” which helps them determine the cause of bearing failure so that they may prevent future failure and predict reliability. Or, if clients desire to do so, they can utilize the Bearing Failure Analysis program within the Technical Toolbox on the Emerson Bearing website.

To contact Mike Quinn regarding the industries he serves, call 800-225-4587.

About Emerson Bearing Boston

Founded in 1957, Emerson Bearing Boston specializes in bearings for OEM and MRO markets throughout the world. The company provides solutions to a variety of industries including: aggregate, concrete, mining, machine tools, electric motor repair, marine, material handling, metal processing, packaging, food processing, paper converting, printing, wind/power generation, recreation, heavy construction, robotics, automation, transportation, wood products, wastewater treatment, pump, compressor and oil field.

Emerson Bearing Boston offers customers a one-stop shopping experience. With an online product catalog with over three million bearings – ranging in size from 3mm to tunnel-boring 15-foot-diameter giants; a vast inventory of bearings; worldwide sourcing; a fixed price program; a knowledgeable staff; same day shipping and 24/7 service, Emerson Bearing Boston has become a leading provider of bearings in the U.S. They are the sister company of Action Bearing and maintain headquarters at 201 Brighton Ave. Boston, MA. For more information, visit www.emersonbearing.com or call 800-225-4587.

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There’s no place like ‘away from home’ for self-employed deductions

July 20, 2015 // by admin

MILLBURY, MA and NEWPORT, RI…

It’s never been easier for small business owners and self-employed individuals to work remotely. Yet the benefits from working at home extend beyond a very, very short commute. There are also tax deductions that can make working from home beneficial even when you’re not there.

“Tax law allows you to deduct two types of travel expenses related to your business, local and what the IRS calls “away from home,” said Paul Dion, owner of Paul Dion, CPA in Millbury, MA and Newport, RI. “You can deduct local transportation expenses incurred for business purposes such as the cost of getting from one location to another via public transportation, rental car, or your own automobile. Meals and incidentals are not deductible as travel expenses, but you can deduct meals as an entertainment expense as long as certain conditions are met.”

Self-employed and small business owners can deduct one-half of the cost of meals (50 percent) and all of the expenses of lodging incurred while traveling away from home. The IRS also allows you to deduct 100 percent of your transportation expenses–as long as business is the primary reason for your trip.

“Many self-employed people don’t take advantage of many of these deductions. For example, deducting 50 percent of a meal they were going to eat anyway,” said Dion. “But these deductions are part of the tax law and taking advantage of these deductions is really just a matter of proper documentation.”

Adds Dion, “Expenses are directly related if you can show there was more than a general expectation of gaining some business benefit other than goodwill.”

To that end, he advises keeping a tax diary of your expenses to audit-proof your records. Adequate documentation includes amount, date, place of meeting, business purpose for the expense and business relationship.

For more information on deductible small business travel expenses, you can call Paul Dion CPA at (508) 853-3292 or visit www.pauldioncpa.com.

ABOUT PAUL DION, CPA

Beyond simple “bean counting”, Paul Dion, CPA and associates work side by side and speak in common English to help clients fully understand their tax situation and take proactive steps to pay the least amount of tax legally allowed while minimizing the risk of an audit. Clients save money and sleep well as night.

Business services include small business accounting, payroll, cash flow management, strategic business planning, new business formation, internet controls, QuickBooks, part-time CFO, bank financing, succession planning and non-profit organization direction.

For a free book, more information or a complimentary consultation, please visit www.PaulDionCPA.com or contact Paul Dion CPA, via Info@PaulDionCPA.com or (508) 853-3292. Offices are conveniently located at 22 West Street, #6, (Felter’s Mill), Millbury, MA 01527.

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Edgewood LifeCare Community Announces Farm to Table Event on July 23rd

July 15, 2015 // by admin

Edgewood LifeCare Community, the award-winning, non-profit senior living community in North Andover, will hold a farm to table community event entitled “Delicious by Design” on Thursday, July 23, 2015 at 11:00 a.m. at the Edgewood Patio, 575 Osgood Street, North Andover. There is no cost to attend.

Join the Edgewood community as they share their bounty in a fun, educational and interactive Farm to Table event. Attendees may indulge in freshly prepared dishes created by Edgewood’s culinary department, and learn how to cook simple, light and nutritious meals using fresh ingredients from locally sourced farms.

Edgewood obtains fresh produce from two different local farms for the summer – Herb Hill Micro-Dairy Farm in Andover and Simone’s Riverside Farm (a family-run farm with three generations of farmers) in Methuen. Valley View Farm in Topsfield provides fresh goat cheese and award winning ice cream comes from Richardson’s Farm in Middleton.

Farm to Table – a Way of Life at Edgewood

During the spring and summer, Edgewood offers their residents a true farm to table experience every day, using locally sourced ingredients from North Andover and surrounding areas, honey from their beehives, maple syrup tapped from their own maple trees, fresh herbs from their own herbaceous border, and wine that they bottle. They get fresh seafood from Gloucester and Boston and (occasionally) locally sourced pork and chicken. And, they’re always smoking – pork, salmon and brisket – on a regular basis. The culinary experience at Edgewood offers something for every resident’s palate, along with dining choices of two restaurants, private dining and a take-out option.

Seating is limited at the Farm to Table event and a reservation is required. To reserve a seat, RSVP to (978) 208-4230 or online at the Delicious By Design event page, www.edgewoodrc.com.

The Edgewood Difference

Founded in 1997, Edgewood LifeCare Community is an award-winning, non-profit senior living community focused on enriching the lives of their members. Edgewood offers independent living, health care and support services, which empower members to be the architects of their own well-being. Edgewood is dedicated to providing a well-rounded, intellectually stimulating and physically active environment for older adults. Members enjoy entertainment, trips, wellness programs and a wide range of unique lectures, classes and films, which are offered on an ongoing basis through the Edgewood LifeLong Learning (ELL) program. Many of these programs are also open to the public.

As the only LifeCare community in the Merrimack Valley, Edgewood offers refined independent apartment and cottage home living for active older adults as well as short term rehabilitation and long term care at the Meadows Health Center. Edgewood LifeCare Community boasts lower entrance fees as compared to the Greater Boston area, and monthly rates for services remain stable regardless of the level of care needed. Edgewood LifeCare Community is located at 575 Osgood Street in North Andover, MA. For more information, contact (978) 738-6145 or visit www.edgewoodrc.com.

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Summer Barbecue at Wareham Congregate Meal Site on July 21st – Older Adults 60+ and Individuals with Disabilities Invited to Attend

July 15, 2015 // by admin

Old Colony Elder Services (OCES), the Brockton based regional agency serving older adults, individuals with disabilities, families and caregivers throughout the greater Brockton and Plymouth county area, in collaboration with the Wareham Council on Aging (COA), will hold a summer barbecue at their congregate meal site in Wareham on Tuesday, July 21, 2015 at 11:30 a.m.

OCES’ congregate meal site is located at the COA on 48 Marion Road. The site provides hot, nutritious noontime meals Monday through Friday to older adults age 60+ and individuals with disabilities. On July 21st, a summer barbecue with hamburgers, hot dogs, salads, chips, and various desserts will be served.

OCES will have an informational table with brochures about their programs and services as well as information regarding an upcoming “Matter of Balance” workshop, starting July 28th, to help people prevent falls.

“Anyone 60 or older, or those living with disabilities are encouraged to attend a congregate meal site where they can enjoy delicious meals, social interaction and fun activities,” said Diana DiGiorgi, Executive Director of OCES.

Reservations for the barbecue are required by Thursday, July 16^th. Call Cheryl Johannessen, Meal Site Manager, at 508-291-3100 ext 6514 to reserve a seat.

Congregate meal menus are published in local newspapers and in COA newsletters. A sample menu may be requested by calling OCES at (508) 584-1561 or visiting the website at www.ocesma.org.

About OCES

Founded in 1974, OCES serves 20 communities in Plymouth County as well as Avon, Easton and Stoughton. OCES is a private, non-profit organization located in Brockton and designated as one of 27 Aging Services Access Points (ASAPs) in the Commonwealth of Massachusetts. OCES’ mission is to support the independence and dignity of elders and individuals with disabilities by providing essential information and services that promote healthy and safe living. The agency has 215 employees and operates more than 15 programs serving older adults, individuals with disabilities, their families and caregivers. For more information call 508 584-1561 or visit www.ocesma.org.

Summer Barbecue at Wareham Congregate Meal Site on July 21st – Older Adults 60+ and Individuals with Disabilities Invited to AttendRead More