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April with Mill City Grows

Growing in Lowell!  Bringing urban food production to the Mill City!

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Mill City Grows

Mill City Grows Next Event!


Join us on April 27th to build FOUR Community Gardens in Lowell! Check out our schedule of upcoming Gardener Training Program workshops HERE!
 

A Special Thank You!


A HUGE THANK YOU to all of our Annual Appeal Supporters! You helped us close our funding gap in 2012!  Thank you for growing with us!

Mill City Grows Wishlist!


-- Laminator
- Garden books and magazines
- Gardening Tools: rakes, shovels, hoes, hoses, etc.
- Hand Tools: trowels, etc.
- 5-10 Gal. Rubbermaid Bins, Buckets
- Drills, Hammers, Circular Saw
- Pruning Sheers, Loppers, Clippers, Scissors
- Lawn Mowers
- Weed Wackers
- Wheelbarrows
- Untreated Lumber
- Land (for growing!)
- Grant Writers
- Graphic Designers
- Videographers
If you are interested in donating any of these items please contact Lydia: [email protected]

April with Mill City Grows...

April is proving to be a very busy month! Our first Gardener Training Program workshop is on April 13th, we will be building our first school garden on April 20th as well as two new community gardens on April 27th!  There are many ways you can get involved with growing this year, checkout our newsletter and find out how!
Happy Spring!!
Francey & Lydia

Sowing the Seeds of Community!

Sowing the Seeds of Community!


Join us on April 27th to BUILD FOUR community gardens in Lowell!

WHEN: Saturday, April 27, 9am-12pm or 1-4pm with BBQ after!
WHO: EVERYONE is welcome!
WHAT: Please come help build FOUR Community Gardens in Lowell!!!!
WHERE: Five different sites, please sign-up for desired site.

Sign-up Here!!  Please let us know if you have any questions!

Volunteer with us!


We have many volunteer opportunities here at Mill City Grows some that keep you clean and some where you can get your hands in the dirt!  If you are interested in volunteering with us please check out our volunteer opportunities on our website.  Email Lydia- [email protected] for more information.

Urban Gardening 101


Join us  for Urban Gardening 101!  Saturday, April 13, 10am-12pm at Rotary Club Park Community Garden.  This workshop will teach you how to safely grow food in the city and will get you ready for a successful gardening season!  $10 for general public and Free for Mill City Grows Community Gardeners  Please register with Francey- [email protected]
We have a series of gardening workshops this summer, check them out here!

Scoring Seeds at the Seed Swap!

West Meadow Campus School Garden!


Mill City Grows has partnered up with the Wang and Pawtucketville Memorial Schools and the Pawtucketville Citizen's Council to install our first School Garden!  We are building the garden with the school community on April 20th from 9am-4pm!  We are looking for supply donations and helping hands!  For more information please email Francey- [email protected]

 Check out our Website| Like us on Facebook | forward to a friend 

Copyright © 2013 Mill City Grows, All rights reserved.
You are receiving this email because you expressed interest in urban food production in Lowell.
Our mailing address is:

Mill City Grows

97 Central St

Unit #302

Lowell, MA 01852


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Innovator Mixer: Education & Youth Development

 


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Innovator Mixer:

Education & Youth Development

 

 

 

        

-Hear from special guest innovators!

-Meet people who share your passion!

-Share your ideas on education & youth development

 

Click here to RSVP!

 

Special Guest Innovators:

   

Dr. Kyle McInnis, Ms. Breanne Dowdie

Active Science & Merrimack College

"Partnership to engage youth in learning science 

and math skills while boosting their fitness and health "

 

 

Louis M. Bernieri, Patrick Guerrero

Andover Bread Loaf & El Taller Present!

"Collaboration offering cultural & literacy programming 

including open mic's and poetry slams for all ages"

     

Dr. Karen L. Mahon

Balefire Labs

 

"Service that helps parents and teachers find educational apps that have great instructional and usability design"

 

 

 Lynn Debilzen, Steven Duarte, Vanessa Laureano,

Shannon Moran, Leslie Randall 

Jumpstart at UMass Lowell

"A new way to engage families in developing

 their own children's literacy at home"

 

 Caroline Pierce, Olivia Lahann

Phoenix Academy Lawrence

"A new charter school in Lawrence that re-engages 

older, disconnected students with a program of high standards for behavior and academics, ensuring 

they have the support to complete high school"

 

 

When: April 17th from 5:30pm-7:30pm

Where: El Taller--Lawrence, MA

 

 

Click here to RSVP!

 

Full list of Innovator Mixers

 

___________________________________________________

 

Sandbox News Feed:

 

Sandbox Entrepreneur   

Keo Rattanna making 

vegan ice-cream

  • The Sandbox was featured in the Boston Globe. 

Read the article!

  • Sandbox entrepreneur launches Indiegogo campaign. Take a look! 

__________________________________________

 

Partner Events:

 

TiE Boston

"Apply for the TiE Challenge"

Deadline to apply: Sunday, April 7

Click here for more info!

 

 

Merrimack Valley Small Business Center

"Social Media Marketing Seminar"

Monday, April 8

Click here for more info!

 

Mass Innovation Nights

"Mass Innovation Nights #49"

Wednesday, April 10

Click here for more info!

 

Groundwork Lawrence

"Earth Day 2013"

Saturday, April 27

Click here for more info!

 

Advanced Technology & Manufacturing Center

"Networking to Grow"

Wednesday, May 8

Click here for more info!

 

 

Like us on Facebook    Follow us on Twitter    View our profile on LinkedIn    View our videos on YouTube

 

 

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Networking Success Story: My Friend Jarod

A few months ago I wrote about my friend Jarod. He is a 15 year old boy in my town who suffers from "lysomal storage disorder. His family wanted to purchase a tandem bicycle for him but the cost was between 4,000 and 8,00 dollars. A friend reached out to me to ask if I would share his story with my friends. Your response to my post was overwhelming. in a few short weeks the word spread quickly and here is Jarod.on his bike I would like to thank everyone who donated and helped spread the word. Dreams do come true.

sites/default/files/jarod.jpg

Opening Doors to Federal Government Contracting in 2013

SBA

 

The City of Lowell Economic Development Office

in partnership with the 

Small Business Administration (SBA)

presents: 

 

OPENING DOORS TO 

FEDERAL GOVERNMENT CONTRACTING

2013

 

Looking for new markets for your small business' goods or services?

FIND OUT HOW TO SELL TO THE FEDERAL GOVERNMENT IN 2013!

 

Learn how to obtain certification as a:

*Small Business *Small Disadvantaged Business 

*Women Owned Small Business *Veteran and Service Disabled

*8(a) Business Development Program, or *HUBZone Program

 

Tuesday, April 30th --- 8:00-10:00 AM

(Registration and breakfast begins at 7:30 AM)

 

Mayor's Reception Room
City Hall, 375 Merrimack Street, 2nd Floor* 

(For directions click here)

 

Please click here to register

 

For more information please contact Maria Dickinson, City of Lowell Economic Development Office
PHONE: 978-674-1435 or EMAIL: [email protected] 

 

*Parking available at metered spots around City Hall and at the 

George Ayotte Garage

 

City Seal

 

 

 

Paradigm Plumbing, Heating & A/C April Newsletter

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APRIL 2013

 

 

 

Paradigm Plumbing, Heating and A/C 

 

Paradigm Plumbing, Heating & A/C

 

 

 

April is here and this means that Spring is upon us! It is that time of year again to start doing some Spring Cleaning!

 

Take a look at our duct work, A/C preventative maintenance and thermostat topics below for more information. Then feel free to give us a call, email, Skype or FaceTime us to schedule your repairs or obtain that quote you have been meaning to get.

 

 

"How true it is that what we really see day by day depends on the objects and senses before our eyes than on the eyes themselves and the mind and heart that uses them." - F.D. Huntington

 

Make sure to vote for Paradigm Plumbing, Heating & A/C for the New Hampshire Union Leader Reader's Choice 2013!

  Click here to vote for us!

 

 

 

 

Featured In the Newsletter:

 

 

 

checkplumbingDuct Work

 

 

 

Paradigm's HVAC Team can help with your heating and cooling duct improvement install and repairs. Our trained and qualified specialists will: 

  • Inspect the entire duct system, including the attic, crawlspace, garage and basement as needed.
  • Do a full evaluation of the system's supply and return air space. 
  • Repair, straighten and detangle any damaged, disconnected or tangled ducts.
  • Seal all leaks and connections.
  • Make sure to seal all registers and grills tightly to the ducts. 
  • Insulate ducts in unconditioned areas with duct insulation (R-value of 6 or higher).
  • Include a new filter as part of any duct system improvement. 
  • Evaluate air flow after repairs are completed. 
  • Ensure there is no backdrafting of gas or oil-burning appliances, and conduct a combustion safety test after ducts are sealed. 

 

 

Get Your Ducts In A Row!

 

Ducts are used with Forced Hot Air (FHA) and cooling systems to distribute air. A vent located on the floor, wall or ceiling is the duct systems outlet to dispense that air into your home. Loss of air within the ducts can be due to leaks, holes, gaps or poor connections. Smells, irritants and stale air are possible signs of polluted duct systems. Comfort, a clean environment and energy savings are products of a regularly cleaned, properly installed and maintain duct system. Just changing the filter does not yield these results.

 

Let Paradigm help you inspect your duct system for proper installation, strong connections and sealing leaks, as well as, clearing out those pollutants that adhere to the duct system walls over time. Our goal is your goal Efficiency and Cleaner Air. 

 

 

air

Air Duct Cleaning Video

 

RotoBrush By A-1 Air Duct Cleaning Inc.

RotoBrush By A-1 Air Duct Cleaning Inc.

 

Learn more about Air Duct Cleaning and give Paradigm Plumbing, Heating & A/C a call today!

 

 

Exploding Toilets Prompt Recall of 2 Million Sloan Flushmates

 

plumbing  

This article was passed along to us from a current customer and we definitely thought that it was worth sharing!

 

 

 

"Reports of hundreds of exploding toilets have triggered a Sloan Flushmate recall affecting more than 2 million commodes from coast to coast.

 

More than a dozen "impact and laceration" injuries have been linked to the Sloan Flushmate III Pressure-Assist Flushing System, the Consumer Product Safety Commission announced Thursday. 

 

So far, more than 300 Sloan Flushmate III units have exploded in toilet tanks, "releasing stored pressure," according to the CPSC's recall alert. "This pressure can lift the tank lid and shatter the tank, posing impact or laceration hazards to consumers and property damage."

Flushmate III units are black, made of plastic, and installed inside toilet tanks. They use air and water pressure instead of gravity to ensure a powerful flush, according to the company's website.

 

The recalled units are marked with a "series number" of 503, along with a 16-character "serial number" -- the first six digits of which show the manufacturing date. Units with manufacturing dates of between 101497 (Oct. 14, 1997) and 022908 (Feb. 29, 2008) are included in the voluntary recall.

 

Anyone with a recalled Sloan Flushmate III unit in their toilet should turn off the water supply and stop using the unit, the CPSC advises. Consumers can get a free repair kit from Flushmate by visiting the company's website, http://recall.flushmate.com, or by calling a toll-free hotline, (800) 303-5123."

 

 

 

Paradigm Plumbing, Heating and A/C

How Are We Doing?

Let us know what you think about the newsletter! Is there anything you would like us to add? We would love to hear from you. You can give us a call or email us!

 

 

CheckitoutCheck It Out!

Paradigm Testimonial - Joel Brenton

Paradigm Testimonial - Joel Brenton

 

Check out a remarkable testimonial from Joel Brenton from MJM Associates, Merchant Services.

 

 

CongratstowinnerCongrats To March's Winner!

A big congratulations to Susan Barton Herbert for winning a gift certificate from our social media contest last month! Make sure to be social with us and be a part of our social media contests for a chance to win!

 

 

waterwaterwater

 

Paradigm & Energy Star

 

Ever thought about the difference between efficiency and energy conversation? Efficiency involves a task performed with less energy. For example, heating or cooling your home through a duct system that has been properly install, routinely maintained and cleaned.  Energy conservation involves behavioral changes such as setting your thermostat lower in winter & higher in summer.

 

 Paradigm and EnergyStar would like to team up with you toward energy efficiency and energy conservation.  Start by watching the EnergyStar video HERE then call to see how we can help you. 

 

 


KiwanisKiwanis Community Leaders

 

We would like to take the time to congratulate the 2012 Kiwanis Community Leaders:

 

  • Hooksett Business Leader of the Year: Jack Solloway
  • Large Business of the Year: PSNH
  • Small Business of the Year: Blue Ribbon Fence and Landscaping
  • Hooksett Educator of the Year: Kevin Fleury
  • Hooksett Municipal Employee of the Year: Captain Jon Daigle
  • Hooksett Youth Volunteer of the Year: Vera Lee
  • Hooksett Adult Volunteer of the Year: Mike Horne

 

 

 

wordfromcustomersEmployee Spotlight!

 

We would like to congratulate one of our employees for purchasing their very first home!

 

 

A big step in life is that exciting moment when you get to purchase your first house. A place that is all yours that you can officially call "home." We would like to take the time to congratulate one of our employees who has officially purchased their first home!

 

We would also like to congratulate Joan Williams, Service Manager, in becoming a new grandmother! We are so happy for you!

 

 

thermostat             

 

Smart Technologies: Thermostats

 

Technology is on a rise with new developments in smart appliances to help you save energy use and costs. Now there are next generation thermostatsBy simply using your mobile device, you are now able to control your programmable thermostat to help optimize savings on your heating and cooling bills.

 

Make sure if you are wanting to make the transfer to a Smart Thermostat, please recycle your old thermostats safely through your local household hazardous waste program. Visit  

www.earth911.org  

to learn more.

 

Want a rebate offer for a thermostat? Check it out here!

 

 

angieslistAngie's List Super Service Award!


Paradigm Plumbing, Heating & A/C has been awarded the Super Service Award by Angie's List!

 

This exclusive recognition is given annually to approximately the top 5 percent of service companies who achieved and maintained a superior service rating on Angie's List through out the past year. 

 

We would like to thank everyone who reviewed our company allowing us the opportunity to receive this award!

 

 

CALL, EMAIL, FACETIME OR SKYPE US!

 

skype

Yes you heard us right. You can now Skype us when you need assistance!

 

steve.labbe.paradigm

 

 

 

PARADIGM PLUMBING, HEATING & A/C

 

8 INDUSTRIAL PARK DR. UNIT 12

HOOKSETT, NH 03106

(T) 603-641-6400

(F) 603-641-6405

Stay In Touch

Like us on Facebook   Follow us on Twitter   View our profile on LinkedIn   Find us on Google+   View our videos on YouTube

 

 


Copyright © 20XX. All Rights Reserved.

 

 

 Limited Time Offer! 

 

                     Call for this month's 

Duct Cleaning Special 

when scheduling your appointment.

 

 

Offer Expires 4/30/13. Available only through Paradigm Plumbing, Heating & A/C with printed coupon.

Please support Beyond Benign a great local non profit

We are interested in continuing to build a relationship with local businesses interested in supporting education locally.  As a small non-profit organization based in Wilmington, MA our mission is to provide future and current scientists, educators and citizens with the tools to teach and learn about green chemistry in order to create a sustainable future. Green chemistry is a pro-active approach to pollution prevention, which aims to change the nature of the chemistry we use and how we create products. Green chemistry is the science of designing materials and products in a more sustainable way that minimizes waste, maximizes efficiency, and relies on renewable resources.

Our work consists of K-12 and college outreach, curriculum development, and professional development for educators. We believe it is crucial to develop pipeline of opportunities for students to get excited and inspired to create solutions to environmental problems. It is our belief that green chemistry education is key to creating a sustainable future. Not only is it a field that offers enormous environmental benefits but also tremendous economic opportunities as well. 

On May 1, 2013 we will be hosting our first annual fundraising event: Greening the Classroom. Attendees will have the opportunity to meet with our college green chemistry ambassadors, enjoy our science inspired art show as well as tour the state of the art Warner Babcock Institute for Green Chemistry. We are seeking donations for our silent auction. Your in-kind donation of merchandise or a gift certificate will help us to generate funds that will go directly to green chemistry education. 

Just $100 helps defer the cost of supplies for us to host a single classroom of students on a field trip. $500 covers the costs associated with traveling to a local high school and providing a several classrooms with a hands-on green chemistry lab experience. $1500 pays for one teacher to participate in a 3-day professional development workshop that will in turn expose hundreds of students to green chemistry over the course of only a few years. If you are interested in sponsoring a field trip, classroom visit or educator training course we can happily process that donation as well.

 

Thank you in advance for your consideration, we greatly appreciate your support.

 

Sincerely,

Kate R. Anderson

Director of Education

 

Beyond Benign is a registered 501c3 nonprofit organization; Tax ID# 26-0791027 donations are tax-deductible.

Big things happening at the Merrimack Valley Sandbox

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Big Things are Happening at

the Sandbox!

 

 

 

 

On March 5th, we gave out a $25K Prize Pool

to select Sandbox Accelerator Finalists. 

 

Click here for the full recap!

____________________________________________

 

Creative Economy Pitch Contest Deadline Next Week 

 

Have you dreamed of starting your own 

arts/craft, design, food, or fashion business? 

 

Apply to our March 28th Pitch Contest!

 

Deadline: Thursday, March 14th @ Midnight!

 

Click here to apply!

_____________________________________

 

Partner Events

 

TiE Boston

"The Nuts and Bolts of Starting a Life Sciences Company"

Monday, March 11

Click here for more info!

 

Friends of Kevin

"Networking Event in Lowell"

Tuesday, March 12

Click here for more info!

 

Merrimack Valley Venture Forum

"Where's the Money? Obtaining Funding"

Tuesday, March 19

Click here for more info!

 

 

Haverhill Hardware Horizons Challenge

"Trailblazing the Merrimack Valley Open 

Innovation Cluster Conference 2013"

Wednesday, March 20

Click here for more info!

Click here to RSVP!

 

MassChallenge

"Apply for the MassChallenge 2013 Accelerator Program"

Deadline: April 3

Click here for more info!

 

 

 

Like us on Facebook    Follow us on Twitter    View our profile on LinkedIn    View our videos on YouTube

 

 

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MVSandbox.org

   
 
 
 

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
[email protected]
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

 

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

 

[email protected]

 

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