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Kevin Willett's blog

I am looking for a home for a Concession Truck

This is a tough one!!  I am looking to find a spot for a client to leave his concession truck...he will haul it by trailer to leave at a place that has a lot of exposure or traffic. Must have 220 electrical hook up and water.  He will pay rent and would like it to be open full time.  This comes fully stocked with a grille, refrigerator, freezer...can accommodate lunches and breakfast.  If anyone knows any property managers or people who make decisions at industrial parks...this could be a good lead.  

Do you know a Medical Assistant?

I have a friend looking to connect with a medical assistant for an informational interview! Please message me if you know of one who would be willing to help.  

Frank Menard - The Menard Team

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In this segment Frank recaps the Real Estate Market for the week ending 12/2. Frank also offers the final 5 Quick and Easy Home Sale Tips. If you would like to receive Frank's Top Quick and Easy home sales tips please email him at

Easy way to help the Lowell Salvation Army

Next week (December 4 & 5 ) there is a fundraising opportunity connected to The Salvation Army Radiothon.  Between the hours of 2 PM & 3 PM on 980 WCAP the host, Nancy Greenwood, will donate $10 for every caller to her program who has a Christmas Greeting. Could help us "break the bank" by calling in a Merry Christmas Greeting. 
The phone number to call is ... 978-454-4980

Bridal Center in Andover will make one military couple's wedding dreams come true

In the spirit of giving this holiday season, The Bridal Center, located in Andover, MA will be making one military couple’s wedding dreams come true. They are inviting all engaged military couples to send  a one minute video blog with their story. The Bridal Center will determine the top 3 finalists, and their videos will be posted on their YouTube page. The couple that receives the most video likes will win the grand prize which is valued right now at $14,600 and still growing.   Please go to for contest details.

2013 Schedule of Home Buyer Training Classes from the Merrimack Valley Housing Partnership


Promoting responsible & sustainable home ownership.

Project Genesis

 Home Buyer Training Classes

2013 Schedule

Classes in English

January 8, 9, 15, 16

January 29, 30, February 5, 6

February 26, 27, March 5, 6

March 19, 20, 26, 27

April 9, 10, 16, 17

April 30, May 1, 7, 8

May 28, 29, June 4, 5

June 17, 18, 19, 20

July 15, 16, 17, 18

September 3, 4, 10, 11

September 24, 25, October 1, 2

October 15, 16, 22, 23

November 12, 13, 19, 20

December 3, 4, 10, 11


Classes are held at Middlesex Community College, downtown Lowell.

Register online at or call 978-459-8490.


Classes en Español


Classes in Spanish are held on Saturdays from 8:30 a.m. to 1:00 p.m. at the MVHP office at 67 Middle Street, Downtown Lowell.
Please call the office for dates.


Classes in Khmer


Classes in Khmer are done in collaboration with the Cambodian Mutual Assistance Association.  The classes are held on Saturdays from 9:30 a.m. to 2:00 p.m. To register, please call Ronnie Mouth at 978-454-6200.





Friends of Kevin Guest Blog post from Jack Wang - Whats the Difference? I am all Set

What’s the difference?  I’m all set!

Two common misunderstanding when it comes to beneficiaries.


Now that the holiday season is in full swing, we can look forward to seeing family and friends.  Sharing festive meals together.  Decorating and enjoying each others’ company.  And seeing the smiles on people’s faces when they get that perfect gift from you.  It’s a great time of year.


With all of this activity, it’s a great time to review your beneficiaries on all of your accounts and insurance policies.


I’m all set. Besides, it’s supposed to be a happy time of year, not a time to talk about death.


True.  But this is the season of giving.  Many clients I work with don’t want to leave a large inheritance for their beneficiaries, but they don’t want to leave headaches and a pile of bills either.  They would rather gift peace of mind.


One common misunderstanding is leaving money to the estate versus naming beneficiaries.


I was working with a client recently who just got divorced.  Understandably, she wanted to take her ex-husband off as a beneficiary of her life insurance policy and keep her 3 adult children on as beneficiaries.


Her initial thought was the designate her estate as the beneficiary.  After all, her only direct heirs would be her 3 children.


So what’s the difference?


If she names her 3 children as beneficiaries, then upon her death, money will be distributed from the life insurance to the children.  In this case, each would have received 1/3.


But if she simply left the policy to the estate, the money would still be paid.  But it would be used to pay off any debts of the estate first – credit cards, auto loans, mortgage, etc.  Then the estate has to go through probate – which can take months even in the simplest cases.


The kids would eventually money, but likely a lot less than what their mom had intended and after a substantial wait.


Certain types of accounts pass by contract at death.  Life insurance, annuities, IRAs, and 401(k)s are examples.


A second common misunderstanding is not understanding the difference between per capita and per stirpes.


Best way to illustrate the difference is with an example.  In the case of this divorced woman, only one of her children is married and has children.


Under expected circumstances, each child would benefit as follows:


Child A – One third

Child B – One third

Child C – One third


What happens if child A dies before the mom?


Under a per capita scenario, the following would happen:


Child A – deceased

Child B – Half

Child C – Half


Under a per stirpes scenario, the following would happen:


Child A – deceased

Child A’s beneficiaries – One third

Child B – One third

Child C – One third


Can you see the problems with both of these scenarios?  One will leave out possible heirs – grandkids, spouses.  Another might leave money to minor children or to an in-law spouse that you’re not fond of.


Beneficiary planning isn’t just putting a name down on a form.  There are a lot of pitfalls to watch out for.


Ultimately, the question is:  What do YOU want to have happen?  Properly designating beneficiaries goes a long way to making sure what you want to have happen actually happens.


When was the last time you had a beneficiary review?  Take some time around this holiday season.  In between the meals, shopping, and cider, think about what you want to have happen.


Let's visit! Use this link to schedule a time with me:



T. Jack Wang
M.E.R.J. Financial Group 
voice - 877-226-4157

fax - 877-226-4157




It's a Matter of Trust by Dave Waldman of Treasured Memories Video and B2B Video Solutions.

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Latest blog post


Video Biography - Renee and Abe Harbatkin


It's a Matter of Trust

One of the unique aspects of my profession is the degree of access I have into other people's lives. I watch their home movies, share the special events of their lives, and listen while they tell their personal stories. (Read more...) 

Have a happy and safe Thanksgiving holiday!

Thank you for your continued support,


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12 Ways to Celebrate Healthy Holidays by Joyce Strong

12 Ways to Celebrate Healthy Holidays

Ideal Weight Loss – Total Well Coach

Nashua – Pepperell – Boston




Free Ideal Protein Workshops Tuesdays at 6:30pm in Nashua.  RSVP.


1.     Pre-plate your food.  Plan ahead what you will eat, arrange your plate, and before your sit down to eat, put the serving dishes away. 

2.     Measure your portion sizes.  2 cups of vegetables, one big salad of lettuce, cucumbers and celery with light oil and apple cider vinegar and 8 oz of lean meat it just about right.

3.     Separate Fat and Carbohydrate.  Meals higher in carbohydrate should be low in fat, and meals high in fat should be low in carbohydrate.

4.     For dessert enjoy an Ideal Protein treat such as a Hot Chocolate Drink.

5.     Stay in touch with your Coach.  Weigh-in as always, no matter what.  Awareness and mindfulness is key and fundamental to staying on track.

6.     Stay in touch with your “buddies.”  Share low-carbohydrate and low-fat recipes with knowledgeable friends and learn new ways to prepare healthy foods.

7.     Eat fresh vegetables and focus on low carbohydrate varieties such as mushrooms, peppers, green leafy, broccoli, cauliflower, Brussels sprouts, asparagus, etc.

8.     Avoid alcohol.  It is high in sugar.  Sugar makes you fat.  Drink bubbly water with lemon or lime.  You’ll feel better and thank me in the morning.

9.     Use herbs and spices in every recipe.  Get crazy!

10. Think “Substitution” and be creative.  What else can you use that will do the same thing but make the holiday meal just a little bit healthier.

11. Listen to your gut.  No excuses or justifications.  Think about what you want to eat, plan for it and eat it.   If you are uncomfortable about what you are eating or how you are eating it, call a friend or your coach and talk it out.

12. Take the time to make it beautiful.  Presentation of your food is paramount.  Make it look beautiful, take your time and get creative.


Life is a Journey.  You Drive.

Ideal Weight Loss-Total Well Coach

One Tara Boulevard, Suite 200

Nashua, NH 03062

603-324-7153 Nashua Office

617-666-1122 Mobile