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Kevin Willett's blog

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.

Networking Success Story - Amy Pozerski Junk King

Networking Success Story – Amy Pozerski

I recently joined my husband, Scott to run our Junk King junk removal franchise together. When I left my full time job in Construction Management, I didn’t know a whole lot about networking.  Scott was part of a BNI networking group and while he occasionally mentioned to me what he was doing and what was involved with the networking, I never really paid close attention.

Since we no longer had an extra income coming in each month, I realized one of the first things I would have to focus on working for the company was bringing in more jobs. My first experience with networking was attending a Friends of Kevin event back in November 2012. I found myself enjoying the experience of meeting so many new people and spreading the word about our company. I had also decided I was going to join a BNI group but wasn’t sure which chapter so I started to visit different chapters in the area. Over the course of about 3 weeks, I had attended 6 or 7 BNI chapter meetings – yes, this was a lot of days getting up early but if I was going to be serious about building our business I was willing to get up early however many days it took.

I finally settled on joining the BNI group in Winchester, MA. I complimented that membership by belonging to the Greater Lowell Chamber of Commerce, Merrimack Valley Chamber, and Friends of Kevin. My current goal for networking is to attend 1 or 2 events a week in addition to my BNI meeting that is held every Tuesday.

Overall, networking has done wonders for our business, not only doing jobs directly for the people we meet, but those people referring/recommending us to others. In terms of advertising costs, every customer we get through a referral or a repeat customer is substantially cheaper to obtain than using direct mail or other advertising avenues.

Besides getting more business, my favorite part about networking is all the amazing people I’ve met and the friendships I’ve been able to build. I’ve had the opportunity to speak to so many successful business owners and learn from their experiences. It’s for these reasons that I feel networking is an indispensable part of our business and personal growth plan as well as reaching the goals we set.

You can reach Amy at [email protected]

Senior Supply Chain Technician - Shriners Hospital in Boston

Position Overview:

The Senior Supply Chain Technician is responsible for maintaining an accurate inventory of medical supplies for the hospital; provides back-up support for shipping/receiving.

 

Responsibilities:

  • Maintains contract pricing for inventory supplies in the Lawson system; resolves discrepancies with invoices/inventory
  • Provides daily inventory reports for the Home Office and local departments.
  • Delivers supplies to hospital units, ensuring they are well stocked with daily required items.
  • Maintains organization of the Store room; rotates stock to prevent expired material.
  • Procurement of hospital as well as rented equipment; ensures all medical equipment is properly tested.
  • Provides back-up support for shipping/receiving; duties include unloading, scanning and delivery of packages.

Requirements:

Two years plus Supply Chain Material Management experience within a medical setting. Knowledge of medical supplies required. Familiarity with the Lawson system of supply chain programs strongly preferred.

We offer a competitive salary and a comprehensive benefit package including a 403b retirement savings plan with a match, subsidized public transportation, free gym, free vision and more!

Please submit your resume for review in a word document to [email protected] or fax to 617-371-4939.

Newsletter from Amy Spencer

March 2013

BeYoutiful Beginnings!

This newsletter is FULL of information.  Please read all the way to the bottom so you don't miss anything : )  

 

 

Greetings!

 

New Saturday Session begins this week!  I am receiving more and more requests for additional classes.  Please let me know if there is a day or time that you would like to see a class added.  If enough students are requesting the same time and day, we may be able to add classes accordingly.

 

I am very excited to announce that I have joined Pangea Organics as an Independent Beauty Ecologist!  A lot of you know how conscientious I am about what I put in and on my body.  I do my best to support companies that are kind to animals and our precious Mother Earth.  Pangea Organics is one of those companies!  I am proud and excited to be representing them.  If you are interested in learning more about their products or how to make some extra money by being good to yourself AND to the planet, please contact me.

 

Please remember that we will not be meeting for practice on Saturday, March 23rd.  I will be working hard on the Yoga of Pancake making : )

 

Tuesday, March 12th is the date for Early "Bird-of-Paradise" Special for our next Tuesday Session.  The Early "Bird- of-Paradise" Special of $120.00 is for 8 Weeks.  The regular pricing is $134.00.  Our next session will begin on Tuesday, March 26th, 2013!  

 

Students who would like to take advantage of this special should bring their payment with them to class in the morning.  Payments submitted by mail must be postmarked by the 12th.  Please keep in mind that missed classes must be made up before the session ends!

 

 

 

Thank you!

 

 

Namaste,

 

Amy M. Spencer, ERYT

www.onmywayom.com

 

www.pangeaorganics.com/amyspencer

Like us on Facebook

 

603-425-8195

 

Reminders & Extras 

Snow = No Yoga

 

Due to the nature of the space that we practice in and due to my inherent nature, there will not be class if it snows.

 

Truthfully, the easiest and most definitive way of keeping track of last minute cancellations is through our facebook and twitter accounts.

 

 

 

 

 

 

Like us on Facebook 

 

Follow us on Twitter 

 

 

 Treats

 

Raw-Vegan Carrot Cake

 

Dirty Rice

 

Coconut Truffles

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pangea Organics

 

"It's quite simple, really. Accentuate the positive. Eliminate the negative.

We've always believed the thing that makes a good company and a good product are one in the same: INTEGRITY - of product, performance, practices, people, planet and purpose. For us, it all starts with a promise:

We only want to make things that make things better. Which is why we promise to always be true to the people our products are made for - you. And to the place our products come from - the earth. Our bodycare is as honest as it is organic. Meaning, everything IN our products will always be listed ON them so you know exactly what you're purchasing and putting on your body. That said, you will absolutely never find any questionable ingredients in our products. No petrochemicals or parabens, GMOs or other synthetic or harmful ingredients.

Ecocentric Bodycare: 
Always Beneficial, Never Artificial."

 

  

continue reading

 

Thirty One

 

Jenna Cove visited our class last night to  present some of her products from thirty one.  Some of the items are perfect for carrying your Yoga Gear and others are great for your Spring Cleaning/Organizational Projects!  She will be joining us again on Saturday.  If you are interested in purchasing anything, please visit the link by clicking on "Thirty One" above.  The Login is [email protected] and the password is 
 amy31. 

 

 

 

 

Rainbow

 

Matthew Sanford

 

Matthew Sanford is one of my biggest inspirations.  I highly recommend his book, Waking.  I also recommend this amazing interview.  Take some time to get to know him and if you ever have a chance to take a class with him, do it! 

 

"For me, everything I do flows from my daily yoga practice - the time I take to feel and refine the sensation of my existence. When I lose track of why I do what I do, I remember a simple observation from my years of practicing and teaching yoga. I have never seen anyone truly become more aware of his or her body without also becoming more compassionate. On the flipside, when we become more disconnected from our bodies, we become more self-destructive. Each day, as I practice connecting my mind and my body, I am able to feel a more compassionate path. I wish the same for you.

Deepening the connection between mind and body is more than a personal health strategy. It is a practical shift in consciousness that can transform the world. In fact, I believe our long-term survival depends upon this shift becoming reality. My life is dedicated to helping it happen.

What I mean by mind-body connection is simple. Sit back in your chair, slouch and let your legs splay out. Notice what you feel in your legs - the dullness, the lack of crispness. Now sit up straight, press gently down through your buttock-bones and heels, and lift your chest. Notice the change in sensation - in how, what and where you feel within your body. This is what I mean by mind-body connection. When we deepen the quality of where and how our minds interact and intersect with our bodies, our consciousness shifts. We get more connected to our lives, to each other and to the planet. This is what I am working for."

 

Read More... 

 

 

 

 

 

 

"Once you start to awaken, no one can ever claim you again for the old patterns. Now you realise how precious your time here is. You are no longer willing to squander your essence on undertakings that do not nourish your true self; your patience grows thin with tired talk and dead language. You see through the rosters of expectation which promise you safety and the confirmation of your outer identity. Now you are impatient for growth, willing to put yourself in the way of change. You want your work to become an expression of your gift. You want your relationship to voyage beyond the pallid frontiers to where the danger of transformation dwells."  John O'Donohue

 

 

new

Big things happening at the Merrimack Valley Sandbox

Having trouble viewing this email? Click here

 

 


mvs logo small

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

 

 

MVS.Logo

 

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

 

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 [email protected]  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

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