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It Pays to Plan - Creating a Marketing Plan by Wayne Gelardi - ADS Unlimited

 

Create a Marketing Plan. When you take the time to think about how you are going to gain exposure to your customers, you should have a laid out calendar of events for the year. Note the holidays, note the weekends, note the possibility for events through out the year; include your vacation weeks, and write on the calendar.  Mark it with the important weeks for you to campaign and once you have done this you should mark the same calendar with the results of your effort.

Now you have a documented track record of what you did in previous years and how you may adjust for the coming year. Remember to note the weather and any occurrence that may have had an effect on your event or campaign.

Having this valuable tool in front of you helps to plan the execution in a timely manner so that you are not scrambling for ideas and are better prepared to meet any deadlines. Our planning is targeted to each business and the sales season of each individual industry. By stating an early plan you are better prepared with marketing collateral and products needed throughout the year which can be well thought out and applied with an effective strategy.

CALL for a FREE Consultation and Review of your Marketing Plan of 2013 - Wayne Gelardi

ADSERVICES 603 898-0050

Upcoming workshops at Helping Hands Family Chiropractic.

Upcoming workshops at Helping Hands Family Chiropractic. The workshops are from 630 to 700pm. 

Helping Hands Family Chiropractic is located at 30 Gorham Street in Lowell Ma. Please call 978-452-4223 with any questions you may have

4/03 What Doctors Know But Don’t Talk About
4/09 Fibromyalgia
4/17 Don’t Blow That Disc
4/24 Preventing Low Back Injuries
5/01 Cause Vs. Effects Centered Care
5/07 Keep Fit While You Sit - Ergonomics
5/15 Spinal Exercises
5/22 Arthritis – Don’t Get Rough Around Your Edges
6/05 How Long Does It Really Take
6/11 Wellness and You
6/19 How to stay young the first 100 years
6/26 Manipulation Vs. Adjustment: What is the Difference?

Brush Gallery & Artists Studios - Business PARTnership Program



Laurie Simko, Brush Artist Member, Spirit of Du Fu


The Brush Art Gallery & Studios is launching this new program to beautify area businesses with original art work by our 100 artist members. We are thrilled to partner with La Boniche, a successful, elegant French bistro and Lowell institution for over 20 years.

Artists' Reception

  • Date/Time: Saturday, March 23, noon-2:00 pm.
  • Location: The beautiful La Boniche Restaurant, 143 Merrimack St., Lowell, MA 01852, 978-458-9473, www.laboniche.com. Click HERE for directions.
  • Details: Meet and enjoy the work of 11 of the Brush Gallery's artist members while sampling delicious light refreshments
  • Admission is free and art work is for sale. Work will be on view until April 1.

Artists Showing at La Boniche

Lisa Bohnwagner

Priti Lathia

Rose Carney

Barbara Nolan

Lee Fortier

Christy Park

Claire Gagnon

Laurie Simko

Laurie Hartwick

Rita Thompson

Jacqui Hawk

 

Other Information:
If you are a business and interested in participating in this program, click HERE for more information.

If you are an artist and would like to participate in this program, click HERE.

Like us on Facebook

Follow us on Twitter

Join our Email List

Become a Member

Donate!

Pin us!

 

Brush Gallery is a non-profit organization

We are a non-profit 501(c)(3) organization and will acknowledge your tax-deductible donation.


The Brush Art Gallery & Studios
256 Market St., Lowell, MA 01852
978-459-7819
director@thebrush.org
www.thebrush.org

Click here for directions
S:
Hours:
April 1 to December 31: Tues-Sat 11am-4pm, Sun 12 noon - 4pm
January 1 to March 31: Wed-Sun 12 noon - 4pm

 

A tribute to Rod Nordblom by Leslie Altobelli from Leslie & Company Solutions in Printing.

Leslie & Company Solutions in Printing

This week I had to say good bye to a dear client, Rod Nordblom. Rod and I have been working on projects together for almost fifteen years.  Our first project was a book, Concord: Its Poets & Its Places.  The book had already been designed and printed once before. But the printer had gone out of business by the time it was up for a second printing. I was referred to Rod by a friend in business. We hit it off instantly. His photos in the book were just stunning. I felt so lucky to be a part of such great work. Without much documentation, Rod asked me to replicate the colors, paper and binding of the finished product.  It was a challenge that I couldn’t wait to take on. After researching different paper selections, press options and PMS color guides we were off to the races. I carefully checked the print runs on press to make sure that all the photos matched the previous printing. I was pleased to find out that not only was Rod happy, but that he thought this printing was even better than the first. The additional bonus was that I was able to see my work in print displayed throughout the Concord and Lexington, MA tourist spots and book stores.

A few years later Rod came to me with another idea he had in the works. His love for his hometown had him following the reenactment battles of 1775. This time Rod was transitioning from traditional photography to digital photography. He needed help in navigating how he would put these into a format for his readers. Rod asked me to help him put together a team of designers, writers and printers to create the new book, April 19, 1775 The Spark of the American Revolution. For months I coordinated the drafts of content and photos while also planning how this next book would be printed. We looked at different binding methods and decided that this time the book would only be printed in paperback to keep the price point down. Upon completion of the design, we quoted quantities, paper selection, color and finishes. I chose a local printer to Rod so he could be a part of the press runs, but when it came down to it, Rod entrusted me to see that the book was printed as he had envisioned. His trust spoke volumes to me. I too was fortunate that he always let me know that I did not disappoint. It was his custom to write me a very thoughtful thank you note as well as give credit in the acknowledgements.

Loving the printing industry the way I do, I thought that life just couldn’t get any better. Two beautiful books to my production and print credit and the opportunity to work with a very talented man. (Did I mention that this was just a hobby for him? Rod was also a very successful businessman at Nordblom Real Estate Solutions in Burlington, MA) Little did I know…. about five years ago Rod came to me with a very special and dear project to him. At the age of eleven he started a scrapbook on WW2. He continued it until the end, including the times while he was away fighting the war himself with the US Navy. It was during this time that his mother had saved the newspapers and any literature for him to add to the scrapbook he had been keeping for years. From start to finish headline to headline, Rod had captured it all in 15 or 20 volumes.  Some were so old the scrap paper was crumbling as we spoke. My mission was to scan every last page and figure out how we could reproduce them; while still keeping the charm of the scrapbook, and capturing the journey of this 11 year old into adulthood.

I first had to carefully dismantle the pages and scan them into a digital format….all 1400 pages!! Next we had to decide whether we would keep the size of the original scrapbook or reduce it in size. In making this decision we took into account the print size of the original articles. Reducing them further would create a legibility issue.  So we kept the 9 x 12 format. Together we selected a paper that was natural or a cream color on uncoated stock. We felt that the paper added to the authenticity of the books while enhancing the scans of the aging photos and newspaper clippings. The next decision was to figure out how to print all these pages in limited quantities without making their cost be $500.00 per volume.

At this time in technology, short run printing was beginning to make significant strides.  We were able to find print equipment that could reproduce the scans on the paper we desired for a lower price point than offset printing while still keeping the desired print quality for the finished product. Five years later and a four volume coffee table set we had successfully captured WW2 with headlines and photos that you just don’t see today. Actual pictures of war through the photographers and writers of Time, The Boston Herald, The Boston Globe and any other periodicals he was able to get his hands on. I still look at the volumes and am amazed!

This brings me to Rod’s recent memorial service.  It was there that I learned a few things that I would not have known had I not attended. First, that Rod cherished our creating and printing experiences almost as much as I had.  And second, that even though the WW2 scrapbooks were ALL given away and not able to be sold due to copyright issues, etc. he still found a way to share his endeavors. Rod donated about 100 sets to local schools and libraries, the Boston Public Library, Harvard University (his alma mater) and a few other colleges and local groups with which he was connected. It’s not every day you get the opportunity to work with a client like Rod. He brought out the best in everyone and knew how to utilize individual strengths and talents. I am forever grateful for what he brought out in me!

book

book

book

Part time work wanted for mechanically inclined friend

I am working with a client who lives in Hudson....he is very mechanically inclined...he does home improvements, electrical, motor repair, any type of mechanical trouble shooting, hot tub repairs...he has done work repairing all types of pumps...he is looking for part time steady work...please contact Donna at dmcareerservices@yahoo.com  if you may have an opening.

Basement Systems of NH

Basement Systems of New Hampshire

Specializing in Basement/Crawlspace: Waterproofing, Finishing and Foundation Repair

Our Mission:

 

At Basement Systems of New Hampshire, Our mission is to provide the highest levels of professionalism, integrity, and fairness to our customers. To sustain these high levels, we will install our industry leading products while maintain quality and efficiency. Our pledge is to establish lasting relationships with our customers by exceeding their expectations and gaining their trust through exceptional performance by every member of our team.   

We are so excited to receive the 2012 Angie’s List Super Service Award! Thank you to all our customers and Angie's List!!!

http://www.basementsystemsnewhampshire.com/about-us/awards/354-bsnh-earns-esteemed-2012-angies-list-super-service-award.html  

Please call us at any time for a Free, No Obligation Estimate @ 603-382-6098 or Toll Free 1-888-396-4594

When Valentines Day is not so sweet by Dawn Oulton from Healthful Horizons

An introduction to the not-so-sweet impact of sweeteners on digestion

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Healthful Horizons | Dawn Oulton, Health Coach

Greetings, Kevin! I trust that your Valentine's Day was very sweet, whether you spent it being pampered by loved ones or pampering yourself. And I hope that if you indulged in any sweet treats in honor of the day, you didn't find yourself foiled by them! Sugar and sweeteners get plenty of press around weight control, but not so much when it comes to digestive concerns. I invite you to check out my blog, where I've started a series on all the forms sweeteners can take, and how they might be impacting you beyond your waistline. Enjoy a little preview below!

Be well,
Dawn

Sweet Digestion: Sugar Alcohols

In discussions about what we should eat or not eat, and how much or how little, one of the few points that everyone seems to agree on is that we should limit the amount of sugar we consume in foods and beverages. Food manufacturers have responded to this by creating low-sugar or sugar-free versions of many of their products, without losing sweet flavor. This calls for an increase in substances that taste sweet but don’t act like sugarSugar alcohols fit that description exactly, but not all of the consequences are so sweet.
Click to read more...

 

A Little Something Sweet

If you find yourself flagging in the afternoon, a handful of nuts can be a great way to recharge. High in protein and fiber, they will keep you going without the blood sugar swings that come with processed snacks. Better yet, you can customize your own nut mix with a variety of flavors. My favorite combination is a little sweet, a little salty, a little spicy, and had lots of fresh herbal flavor too.
Click for recipe...

 

Forward to a Friend

 

Forward to a Friend

It’s such a pleasure to help those closest to us become happier and healthier. Please forward this newsletter to friends, family members or colleagues who might be interested and inspired by it.

 

About Dawn

As a health coach, I understand that there is no one perfect diet for everyone, and that good nutrition is about more than just food. I am committed to helping others learn how to nourish themselves in the best way possible. Learn how I can help you resolve the effects of unsupportive foods and stress on your digestion at www.healthfulhorizons.com.

LPL Independent Investor Newsletter from Matthew Schwartz

LPL Independent Investor

February 2013

 

Saving for Short-Term Financial Goals

 

Most of us know we need to save for our future goals. Buying a home, providing an education for our children and investing for a secure retirement are the most common long-term savings goals. But what about next year’s vacation, remodeling or refurbishing your house, or buying a second car? You can always just say “charge it.” That is how Americans have amassed billions of dollars in credit card debt. Instead, why not try a new approach? With a little encouragement and guidance, you can begin saving for these short-term needs today.

 

Getting Started

The first step in any investment strategy is to develop goals. And the first “must have” goal is to ensure that you have adequate reserve funds to cover emergencies or even temporary unemployment. Many financial planners suggest that you have three months’ salary available in savings for the unexpected.

 

Next, take a look at your spending needs over the coming 12 to 24 months. How much did you spend on your last vacation? How is the car running? By planning ahead for large expenditures, you can prevent anxiety and save on finance charges. Once you have determined how much you need—and when you will need it—you are ready to begin matching your goals to the investment options available to you.

 

It sounds easy, but if you are like most people, you may lack the discipline to save. Some banks and most credit unions offer a variety of special-purpose savings plans designed to help. Vacation and Christmas Clubs use coupon books that provide a schedule for reluctant savers. If your bank does not offer special savings plans, you can take the lead by setting up your own automatic transfers from your checking account to your savings account.

 

The idea is to make savings a habit and to treat your monthly (or weekly) savings deposits as a fixed expense—like a rent or mortgage payment—not just an afterthought once the bills have been paid.

 

Key Investment Criteria

Whether your goals are long term or short term, you should look at three investment factors before choosing a savings or investment vehicle: liquidity, safety and return.

 

Liquidity—When can you get your money? If your savings are meant to pay for next year’s vacation, real estate is probably not a good investment. But even certificates of deposit (CDs) may be too restrictive.1 Be sure you understand what it might cost to turn your investment into cash. Are there penalties for early withdrawal? When you are using a time deposit, make sure the investment’s maturity matches your needs.

 

Safety—As a general rule, return is proportional to risk. Just as liquidity concerns would rule out short-term investments in real estate, safety factors would rule out short-term investments in stocks or bonds.2 It is not that these investments are inherently unsafe, but that the volatility (or fluctuation in the value) of these investments often makes them unsuitable for short-term investing.

 

Return—Short-term investors are restricted by safet y and liquidity. You should, therefore, be realistic about how much you can expect to earn. Still, there are many investment choices available. While some investments require a minimum amount, others do not. Generally speaking, the more you have, the more you can earn. Even if you don’t have the $500 for a CD, you can still save $50 a week until you do. Keep in mind that your final return will be reduced by any fees or taxes you incur.

 

Savings Vehicles

Savings Accounts—Given their convenience, availability and r elative safety, banks are often the first choice for savings. Accounts at FDIC-insured banks are protected to $250,000 per depositor, per insured bank, for each account ownership category.3

Additional explanation provided on FDIC.gov states the following:

“The FDIC insures deposits that a person holds in one insured bank separately from any deposits that the person owns in another separately chartered insured bank. For example, if a person has a certificate of deposit at Bank A and has a certificate of deposit at Bank B, the accounts would each be insured separately up to $250,000. Funds deposited in sepa rate branches of the same insured bank are not separately insured.

“The FDIC provides separate insurance coverage for funds depositors may have in different categories of legal ownership. The FDIC refers to these different categories as 'ownership categories.' This means that a bank customer who has multiple accounts may qualify for more than $250,000 in insurance coverage if the customer’s funds are deposited in different ownership categories and the requirements for each ownership category are met.”3

Shop around for rates and fees, keeping in mind that banks will usually waive monthly fees if you maintain a minimum balance. Most banks will link your savings and ch ecking accounts, making regular transfers between the two accounts much easier.

 

Money Market Deposit Accounts—These accounts generally pay a higher rate than passbook savings accounts, but the rate typically fluctuates with market conditions. You may also get the advantage of limited check writing.

 

Time Deposits—CDs are available with terms ranging from 7 days to 30 years. CDs are FDIC i nsured and offer a fixed rate of return if held to maturity. A fixed-rate CD may or may not be an advantage. The time to lock in is when rates are at their peak. Since it is difficult to know when rates have peaked, you can stagger maturities to limit your interest rate risk (the likelihood that rates will rise or fall). By purchasing CDs with a variety of maturities, you can reinvest principal from maturing CDs if rates go up, while longer-term CDs will continue earning higher returns should rates fall.

 

Relationship Accounts—Many banks reward their best customers with relationship accounts. By consolidating your deposits and loans with one bank, you can often minimize fees, earn h igher rates or get free services. Check with your bank to see if this option would benefit you.

 

U.S. Treasury and Other Money Market Securities

U.S. Treasury bills (T-bills) are generally issued in 13- and 26-week maturities with a $1,000 minimum investment. You can also purchase T-bills with shorter maturity rates directly through banks and brokers. T-bills are sold at a discount, which means that the interest is paid to you when the bill matures. An added bonus is that interest earnings on T-bills are ex empt from most state and local taxes. However, earnings may be subject to the alternative minimum tax (AMT).

 

In addition to Treasury securities, a wide variety of short-term commercial securities are available. The yields will be higher than T-bills due to the increased risk. Unlike bank money market deposit accounts, these investments pay a fixed rate of return.

 

 

1CDs are FDIC insured and offer a fixed rate of return if held to maturity.

2Investing in stocks involves risks, including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and are subject to availability and change in price. Government bonds and Treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.

3Source: FDIC.gov, “FDIC Insurance Coverage Basics,” updated December 31, 2012.

 

This article was prepared by S&P Capital IQ Financial Communications and is not intended to provide specific investment advice or recommendations for any i ndividual. Please consult me if you have any questions.

 

Because of the possibility of human or mechanical error by S&P Capital IQ Financial Communications or its sources, neither S&P Capital IQ Financial Communications nor its sources guarantees the accuracy, adequacy, completeness, or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall S&P Capital IQ Financial Communications be liable for any indirect, special, or consequential damages in connection with subscribers’ or others’ use of the content.

 

Tracking Number: 1-137877

 

 

Matthew M. Schwartz

Financial Consultant

 

Schwartz Financial Services, Inc.

3 Baldwin Green Common #209

Woburn, MA 01801

 

matt@SchwartzFin.com

 

Tel: (781) 932-3289

Fax: (781) 998-3099

 

Website:  SchwartzFinancialServices.net

 

Professional LinkedIn Profile: linkedin.com/in/SchwartzMatt

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Professional Facebook Profile:  facebook.com/SchwartzFinancial

 

Personal Facebook Profile: 

facebook.com/SchwartzMatthewM

 

 

 

 

Securities & financial planning services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. 

Networking Success Story: Lyndie Shaw - Shaw Farm

Hi my name is Lyndie Shaw and I am an introvert who dislikes the thought of networking. When Kevin first approached me about hosting networking events at the Farm my first thought was oh my God he will expect me to speak to the group and there is no way I can do public speaking. Now I realize, like all business owners, that networking is the key to growing my business. Still, I didn’t know how to get past my fears to learn how to network.

Now as most of you know Kevin is a pretty persuasive guy so he just chuckled and said you will be fine, my friends will love the farm, it’s a great way to spread the word about the farm and home delivery. How could I argue with his logic? He was right it would be good for my business.

Now I have to admit the first event was a little rough and I hid behind the counter as best I could. There was no way Kevin and his friends would let me stay there. They kept coming over and introducing themselves to me and telling me how great the farm is. That really made me feel great and allowed me to start talking with them and it was then that I realized ‘hey I am networking I can do this’.

We have done a few events together so far and each time I find it a little easier to come out from behind the counter. So my networking tip is please don’t let being an introvert stop you from becoming a successful business owner. It is easy to say I am an introvert and networking is too hard for me, but I have found that is gets easier each time I do it.

For more information about Shaw Farm please visit them at 204 New Boston Road in Dracut Ma or check out their website at www.shawfarm.com

 

Newsletter from Ramsden Painting - Old paint disposal - FREE

 

 

 

Ramsden Painting logo Ramsden Painting

 

 

 

  

Old Paint--OH NO

Do you have cans like this in your basement or garage and would like them removed for Free?  We can help you while you help someone else in need.  We will remove "Free of charge" up to 10 gallons of paint per household.  The catch...For each gallon of paint you have to donate 1 can of non-perishable food which we will pick up at the same time and bring to Bread and Roses in Lawrence, MA  more info regarding them click here:
https://sites.google.com/site/breadandroseslawrencema/home

 

 


 

Ceilings, Ceilings, Ceilings

Do you burn candles?

Use a wood burning stove or fireplace?

spaghetti sauce splash from the stove?

water stains?

  

We have painted just about everykind of ceiling from churches, pools (above) to homeowners.  Are you thinking of changing the color of your ceiling, Why white? Get Daring..Contact us for a free estimate

  

Call or email today 978-501-0266  Ronramsden@aol.com

  

 

    

 

Wood Repair: 

 

  

Decking, Trim, Siding, ect.  From time to time you have to perform some wood repairs.  Some repairs are performed with keeping with historic materials and some are used with cutting edge composite material suck as Azek. 

  

From one board to an entire porch  Call us today 978-501-0266

 

 

  

Call us today for a free estimate on your wood repairs.

summer is coming.

 

 

Ceiling Special

 

average ceiling repaint up to a 12 x 12 room

 

$99.00 includes paint.

  

Ben Moore Muresco Ceiling white.

  

- water stains and repairs are

  additional.

  

- 2 ceiling minimum per visit

  

- average height, cathedral

  ceilings extra

 

 

 

 

 

 

 

Call anytime for a free estimate! 978-501-0266

 

 

 

 


Ramsden Painting
978-501-0266

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