THE SEPTEMBER , 2012 TURBRIDGE IMES STHE CHRONICLE OF STURBRIDGE COUNTRY LIVING MTAGAZINE 2 THE STURBRIDGE TIMES MAGAZINE THE CHRONICLE OF STURBRIDGE COUNTRY LIVING STURBRIDGE COUNTRY LIVING SEPTEMBER 2012 THE STURBRIDGE TIMES MAGAZINE
PUBLISHER & EDITOR PAUL CARR MANAGING EDITOR JOHN SMALL STORY EDITOR STEPHANIE RICHARDS SENIOR ACCOUNT EXECUTIVE KAREN ROTHWEILER
AD PRODUCTION & DESIGN TERRI RACCA
WRITERS KEVIN T. BALDWIN THOMAS CHAMBERLAND JOSEPH CODERRE ROBERT GEORGE , ESQ . ANDREA JOHNSON RICHARD MCGRATH KATHY MENARD RICHARD MORCHOE STEPHANIE RICHARDS
THE STURBRIDGE TIMES MAGAZINE | C ARR , Q UINN & S MALL , I NC . P.O. BOX 418, STURBRIDGE , MA 01566 TEL . 508-347-7077 FAX 508-347-8150 STURBRIDGETIMES .COM CQSMEDIA .COM © 2012 BY CARR , QUINN & SMALL , INC . ALL RIGHTS RESERVED . THE STURBRIDGE TIMES MAGAZINE is published 11 times a year, with no January issue, in Sturbridge, Massachusetts by Carr, Quinn & Small, Inc. We accept photos, opinions, short articles, stories, poems and drawings from the general public, but assume no responsibility for failure to publish a submission or for typographic errors published or incorrect placement. The contents of this magazine consist of copyrightable material and cannot be re - The Sturbridge Times Magazine produced without the expressed written permission of the author and the publishers of . We reserve the right to refuse any advertising for any reason. We reserve the right to require editing to any advertising that is accepted for publication. Opinion printed herein report views of the authors and does not necessarily reflect the views and opinions of the magazine, its publisher or Carr, Quinn & Small, Inc. We invite vary - ing opinions and information from our writers and readers, wishing to provide a public forum for well-tempered, well-reasoned thoughts, ideas and opinion. ADVERTISING DEADLINE: Camera ready: the 20th of each month prior to publication. The 17th of the month for Nov. and Dec. ADVERTISING OFFICE: 508-347-7077 ext. 2 (Karen). If your business is in Worcester, 508-347-7077 ext. 3 (Jessica). EDITORIAL DEADLINE: The 21st of each month prior to publication.
DELIVERED INTO EVERY HOME AND BUSINESS AND POST OFFICE BOXES IN STURBRIDGE , AND TO SELECTED HOMES IN BRIMFIELD , BROOKFIELD , CHARLTON , EAST BROOKFIELD , HOLLAND , NORTH BROOKFIELD , WALES , WEST BROOKFIELD , SOUTHBRIDGE , SPENCER . ALSO MAILED TO INDIVIDUALS AND BUSINESSES ELSEWHERE IN THE UNITED STATES . AND TO MEN AND WOMEN OF THE U.S. ARMED FORCES WHO ARE SERVING OUR COUNTRY IN THE UNITED STATES AND ABROAD . 3 FOODOOD FROMFRROROMOM THETHE MEEDITERRANEANDITERRANEEAN
97 STAFFORD ST. 132 STURBRIDGE RD. WORCESTER CHARLTON 508.796.5828 508.248.0433 www.Zorbastaverna.com www.Zorbaspizzeriatavern.com • Fresh Special Pizza Recipes • Pasta Dishes made with Fresh Ingredients • Greek Specialties • Succulent Seafood
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THE CHRONICLE OF STURBRIDGE COUNTRY LIVING THE STURBRIDGE TIMES MAGAZINE 3 From Your Chamber of Commerce October Harvest Fest seeking crafters
An autumn tradition continues as the 23rd Annual Harvest Festival returns to the Sturbridge Common and the grounds of Publick House Historic Inn on October 20 and 21. Mark your calendars for a week - end of family fun as all your fall favorites are back. The Chamber of Central Mass South is currently ac - cepting applications from local crafters, artisans and specialty food vendors who would like to take part in this year’s festivities. With favorable weather, the Harvest Festival can at - tract over 10,000 attendees and we welcome you to Sterling silver charms from $25 join us and sell your wares during this two-day event. Limited booth spaces are available, so don’t delay! Apply today to be part of this year’s Festival. Please GARIERI Support Sturbridge! note, if you intend to sell any consumable food or bev - JEWELERS erage product, you must complete additional paper - work and submit it to the Town of Sturbridge, Board Free Gift With Purchase 139 Main St. of Health, no later than September 30, 2012. September 12–15 Sturbridge, MA 01566 You can find more information including a link to Receive a sterling silver PANDORA clasp bracelet 508.347.9934 our Crafter and Specialty Food Vendor Application www.Garieri.com (a $65 US retail value) with your purchase of $100 or more of PANDORA jewelry.* Mon-Fri 9-5:30, Thu 9-6 on the Chamber website at www.cmschamber.org. *Good while supplies last, limit one per customer. Charms Sat 9-3, Sun Closed shown on bracelet are sold separately. See our store for details. Look for the Harvest Festival tab. If you have any questions, please contact the Chamber of Central Mass South at (508) 347-2761 or email info@cm - schamber.org.
From Stageloft Theater
Stageloft Repertory Theater, 450A Main St., Stur - bridge, MA announces the opening of its Sept. shows:
COLUMBO: Rx MURDER
August 10 thru Sept. 2 Each Friday & Saturday @ 8 pm Each Sunday @ 2 pm
Tickets: $17 adults, $15 seniors 65+, $8 students 12 & younger
NUNSENSE AMEN, A Musical Comedy All our lovely nuns are back, but they just happened to have developed beards, baritone voices, and a manly way of moving. That's right! It's a gathering of the zany nuns played by five men. Sure to please!
Sept. 7 --Sept. 30 Each Friday & Saturday @ 8 pm Each Sunday @ 2 pm
FWhya drsive tw hflen iycou ckan ! Tickets $17 adults, $15 seniors 65+, $8 students 12 & younger see the movie right here? Then dine out at a locally- For reservations call 508-347-9005 owned restaurant! Support Sturbridge! 4 THE STURBRIDGE TIMES MAGAZINE THE CHRONICLE OF STURBRIDGE COUNTRY LIVING ARTS HISTORY
Historical painting and decoration classes to be offered at OSV
The Historical Society of Early American (etched gold leaf under glass), Sept. 22; Decoration (HSEAD), is offering a variety of Samuel Plank Folk Art Salt Box, Sept. 22-23; classes this fall at Old Sturbridge Village, with Schnerenschnitte (paper-cutting) enhanced a focus on nineteenth-century techniques, re - with watercolor, Nov. 17; Frakturs (fanciful flecting the time period and aesthetics seen in "Pennsylvania Dutch" ink and watercolor de - the village. signs), Nov. 18; and Folk Art Painting with Old Sturbridge Village is now the home of acrylics, also on Nov. 18. the HSEAD research center, and we are ex - "Crafts at Close Range" course descriptions cited to be participating in the Old Sturbridge and registration information will be available Village "Crafts at Close Range" program, as on www.OSV.org, or contact Kathleen Kime well as offering additional classes in the historic [email protected]. David Wight house on the OSV campus. All Additional courses will be offered directly classes are open to the public, most classes do from HSEAD at the Wight House, including: not require any previous experience, and our “Illuminated Letters”, Oct. 15-18; Reverse teachers are especially good at encouraging be - Glass Painting, Oct. 22-26; Watercolor Theo - © 2012 Photo courtesy of The Historical Society of Early American Decoration ginners. rem (creating floral and still life paintings using An example of fraktur designs from 19th-century originals. HSEAD classes in OSV's "Crafts at Close a stencil technique), Nov. 2. Range" are a great introduction to early Amer - Full descriptions and registration informa - HSEAD is an organization devoted to the these arts in 19th-century America. ican arts, and ensure that participants leave tion for these course offerings are at research and preservation of historically au - For more information about HSEAD, in - with new skills and a successfully completed www.hsead.org, or contact HSEAD at 607-547- thentic early American decoration and the per - cluding membership and class details, visit project. Fall 2012 program includes: Eglomise 5667, email: [email protected]. petuation of the techniques used by artisans of www.hsead.org.
THE CHRONICLE OF STURBRIDGE COUNTRY LIVING THE STURBRIDGE TIMES MAGAZINE 5 THE SHOPPING NEWS A veterinary clinic that comes right to your front door
BAYSTATE MOBILE VET BASED IN CHARLTON 774.262.7679 BAYSTATEMOBILEVET .COM AND ON FACEBOOK AT BAYSTATE VETERINARY SERVICES © 2012 Photo by Stehanie Richards Dr. Carolyn Selavka and Tanya Christian, veterinary technician BY STEPHANIE RICHARDS It’s 27 feet long by 11 feet high, built on a Ford chassis Carolyn Selavka. The service offers onsite routine and She is also a 1995 graduate of the University of Pennsylva - and runs on 12 cylinders getting 10 miles to the gallon. emergency care for pets including wellness exams and vac - nia School of Veterinary Medicine and did internship and While its presence on the outside can’t be missed, it’s cinations, nutritional care, dentistry, in-house diagnostic residency training in New Haven, CT and at Tufts Uni - what’s on the inside that provides the driving force of an lab services, radiology, surgery and prescription drug care. versity. In addition, she was a member of the teaching staff amazing service in pet wellness and emergency care. A graduate of Northeastern University, Dr. Selavka has in the surgery department at Angell Animal Medical Cen - Welcome to Baystate Mobile Veterinary Services – one a wealth of education and experience. She worked as a ter in Springfield before it closed in 2007. “I loved the prac - of only a handful of mobile vet services in the state –owned technician at the Honolulu Zoo while pursuing a master’s tice – it was a very forward thinking group – and I would and operated by Charlton resident and Veterinarian Dr. degree in animal nutrition from the University of Hawaii. have been content to stay there. I looked at lots of places
6 THE STURBRIDGE TIMES MAGAZINE THE CHRONICLE OF STURBRIDGE COUNTRY LIVING to work and couldn’t find the right fit. In call if we are running late. We do have my opinion, veterinary medicine is more muzzles, but I can count on my hand Was this your cat before the tornado? an art than a science; it really depends on how many times we’ve had to use them.” the situation,” she said. “This (Mobile Vet Although they primarily treat dogs Services) was a compromise. I had seen a and cats, a very small number of pets Injured cat needs a home couple of model vehicles at a conference as have included big birds, hamsters, pigmy By Stephanie Richards it was a new thing and thought they were hedgehogs, and tortoises. Dr. Selavka It was an April day when Dr. Carolyn cool, but never had any intention to open said the guide is that the animal has to fit Selavka and Tanya Christian of Baystate my own.” in the van. Mobile Veterinary Services were making The Baystate Mobile Vet unit has its In the three years during which it has rounds to in their van in the Sturbridge own generator and includes everything been in existence, Baystate Mobile Vet - area. They arrived at a client’s house on that is in a stationary practice. There are erinary Services has provided many dif - Fiske Hill to do yearly pet exams on their cages for use in pre- and post-operations, ferent kinds of care. Perhaps one of the animals. In the midst of conversation, and an exam table that converts to a den - most memorable situations was the first the client mentioned there was a stray cat tal, pre-operation and x-ray table. The van time puppies were delivered via C-sec - that showed up after the tornado last also includes a digital imaging unit, anes - tion in the van . Dr. Selavka said the June that was living under their pool thesia station, and a refrigerator to store breeders were involved to assist in the de - house. The domestic shorthair cat had vaccines and blood. A laptop and printer livery and that the puppies were nursing what looked like an eye injury and the are accessible to log in data, retrieve and within an hour of the surgery. Every most they had been able to do was feed print records, or provide post-surgery in - time she looks at her dog Tilly, a Cavalier her–she always kept a distance. structions. A surgery suite is also housed in King Charles Spaniel, she is reminded of Christian, who does foster care for © 2012 Photo courtesy of Dr. Carolyn Selavka the rear of the van, complete with an op - that day. Tilly was part of the litter and cats and dogs, told them to call if they Homeless cat nicknamed “One-eyed Jane” erating table, heart monitoring equipment, a gift from the breeder. were ever able to get the cat in a confined at her. The cat looked back and then let and a hand-held ultrasound unit. Some clients have also used the serv - area. “Ironically, it wasn’t 10 days later her pet her from the top of her head to Although she had a lot of experience, ice to put their animals to sleep and Dr. when the cat somehow was on our the tip of her tail.” Dr. Selavka said there was a definite learn - Selavka said she realizes more than ever client’s enclosed porch. We were out An initial examination of the cat, ing period to set up this unique business. the value of this option to pet owners. making calls and I asked Dr. Selavka if which Christian affectionately named “It is different from house call vets. As a The day of the tornado, a client had we could do something…being as com - One-eyed Jane, revealed a closed eyelid mobile vet, you are fully outfitted to take called to alert them about the approach - passionate as she is, she turned around on the right. She also had a substantial care of everything. I had to determine ing extreme weather. Dr. Selavka and the van to go take a look at the cat. scar on her nose, missing upper and things like what software to use, disposing Christian were on Fiske Hill, arriving at When we arrived, the cat was sitting on lower canines on the left side, and a jaw of biohazard waste, and arranging for cre - a home to put a family pet to sleep. The the couch and we expected the worst. injury that had healed. “It was clear that mations.” clients were not aware of what was oc - But Dr. Selavka sat down and just looked Continued on page 9 Requesting Baystate Mobile Veterinary Continued on page 8 Services begins with a phone call. More than likely, Tanya Christian, a vet techni - cian who has been with Dr. Selavka since the business began, will answer the phone. “My first question is to find out if it is an urgent care situation. We are pretty much booked solid daily, but we reschedule for urgent cases as needed,” said Christian, who met Dr. Selavka while working at a local Animal Clinic. “We have an old fash - ioned doctor bag and can easily bag things up if an animal can’t get into the van. Some dogs have anxiety issues, so we can go in and do preliminary information in - side if needed.” Dr. Selavka said wellness or emergency care is administered in a variety of places. “We’ve been locked in the bathroom with a cat so she couldn’t escape, worked inside a room at a home, administered care on a residential driveway, and provided treat - ment in the van. It’s really about what’s best for the animal,” she said. “Neither Tanya or I worked in a clinic that did house calls before, so there was a new realization of how animals can get worked up with the car ride or coming to a clinic. This allows them to be comfortable at home and there is no waiting room to get stuck in–we just
THE CHRONICLE OF STURBRIDGE COUNTRY LIVING THE STURBRIDGE TIMES MAGAZINE 7 Bay State Mobile Vet Continued from page 7
curring. “They sent a thank you note to us later,” Dr. “I have wanted Selavka said. “It really hits home just how important to be a veterinarian this service is to clients.” The service is very beneficial for pet owners who since I could talk.” have difficult mobility, including the elderly and phys - CAROLYN SELAVKA, DVM ically challenged. Busy individuals or families also have OWNER, B AYSTATE MOBILE VET used the service for the convenience. The service has covered clients in Charlton and the surrounding area, slid off a driveway once and had a few near misses in including Dudley, Southbridge, Sturbridge, Brimfield, the winter. There are dual rear wheels in the back so Palmer, the Brookfields, Ware, and Warren. “One of we know we are safer. However, one thing we realized my favorite things to see is the reaction of a client is that we need to stay off the roadway in the morning when they see us pulling the van in for the first time after bad weather– out of the way of storm cleanup and then take a look inside the unit. They can’t be - crews. We’ve learned to make appointments later in lieve it,” Dr. Selavka said. the day.” There are some misconceptions about the service. One of the few things the service doesn’t do is It has been mistaken for a mobile spay/neuter clinic overnight care. “We picked the things we can do well and as an ambulance for emergency care only. There and provide referrals for the rest,” Dr. Selavka said. is also skepticism about the cost and quality of care. “But my view is that owners know their animals the “Our prices are comparable to visiting a local vet and best and they can watch them. When we do surgery, the quality of care is exceptional,” Christian said. “We we leave the pet owner with explicit instructions. We can also involve pet owners more in the care, includ - have a 24 hour answering service and are just a phone ing children. We have a great book that explains in - call away if there is a problem.” juries – it’s very hands-on,” Christian said. Dr. Selavka said she has no regrets starting the busi - The service has different challenges than a sta - ness. “I have wanted to be a veterinarian since I could tionary practice since there is travel from location to talk and have worked in big and small environments location. “The hours are challenging, but we both and at a zoo. By far, this is the best thing I have ever have been in the medical field and know that’s part done. Every day is a little bit different,” Dr. Selavka of the commitment. Winter can be difficult as it gets said. “I enjoy the connection I make with clients – it darker quicker and it’s harder to see numbers on is so much more personalized because it is continuous houses – many of which don’t have them,” Christian dialogue – they are not in the waiting room. I have said. found there are fewer instances where we are not on Weather and terrain are also factors. “As it gets the same page. There’s a lot of togetherness.” darker, you can’t see the terrain as well and what is For more information, call Baystate Mobile Veteri - hanging overhead. Most people would be surprised nary Services at 774.262.7679 or go to www.baystate - at the places the van has been,” said Dr. Selavka. “We mobilevet.com. Search “baystate mobile veterinary
8 THE STURBRIDGE TIMES MAGAZINE THE CHRONICLE OF STURBRIDGE COUNTRY LIVING CREATE YOUR OWN JOB Direct sell businesses offer flexibility, fun and money By Stephanie Richards seller of the Living Locket™. She originally entered direct It was seven years ago when Lisa Marie Berthel of West sales to help with the family finances, providing resources Brookfield decided she needed “grown up time.” After for extra things. She also wanted to connect with women. moving from Worcester to West Brookfield, the mother “I discovered Origami Owl through reading a Women’s of infant and six year old sons wanted to find ways to Magazine article about entrepreneurial moms. A 14-year-old meet other women and provide additional resources. girl in Arizona developed a line of necklaces with special She had previous experience in sales, owning a video charms that capture a woman’s personality– all because she store with her husband and a gift store in Barre that she wanted a car for her 16th birthday. The company was orig - had to close after September 11, 2001 due to a drop in inally going to go retail but switched gears and moved to di - business. She also had a realm of customer service expe - rect sales in January.” rience through jobs in a supermarket and Hallmark store Choosing the right company to become involved with and as a bartender. was essential to Mary Ellen Comerford, who became an in - When a friend invited her to a Pampered Chef party, dependent consultant in November with Thirty-One Gifts, she had already been looking into direct sales. She didn’t a direct seller of totes, purses and organizational products. have any money to buy anything at the time, but went any - “I wanted to have some girl time but also looked for a prod - way. “I had previously purchased the product and really uct that was useful and wasn’t saturated in the market,” said liked it. Being a stay at home mom, I wanted something the Sturbridge mother of three sons. “Thirty-One is a newer that worked with me for my family – I figured everyone company to this area and has practical products that are ex - has to cook. My girlfriend encouraged me to pursue it © 2012 Photo by Stehanie Richards tremely useful. In addition, I love the idea of how the com - and said she would support me with parties – I had four Lisa Marie Berthel has been an independent consultant pany was started and it’s Christian-based – that was people commit to hosting right away,” said Berthel, who for Pampered Chef for eight years. important to me.” is beginning her eighth year as an independent consultant No matter what direct seller you work for, Cournoyer for The Pampered Chef ®, a direct seller of high quality says the time you invest in the business does bring results. kitchen tools. “My husband was skeptical at first, wanting Outlook Survey, the U.S. was ranked as the top direct “You really get back what you put into it. If you want to be to know what the catch was and how much it would cost. selling market in the world with 20 percent of world - successful, you need to spend more time than the minimum But when he saw what I got in the consultant kit and how wide sales. Women far outnumber men as direct sell - suggested. As you get people under you, you also need to I could earn cookware, his view changed. He’s the cook ers, making up 78.1 percent of the workforce. grow your team,” said the mother of two teenage daughters. and I’m the baker in the family.” Berthel is among a growing list of women in the area “You are independent, so being motivated is very impor - According to the Direct Selling Association (DSA), “di - who have chosen direct sales as a means to provide ad - tant. It’s a family thing for us as my younger daughter helps rect selling is the sale of a consumer product or service, ditional income as well as build relationships with put lockets together.” person-to-person, away from a fixed retail location, mar - other women. Direct sales is ideal for mothers since you can set your keted through independent sales representatives who are Sturbridge resident Barbara Cournoyer spent five years with a popular jewelry company before leaping own hours centered around busy family schedules, sometimes also referred to as consultants, distributors or Continues on page 10 other titles.” According to the DSA’s 2011 Growth & into a new venture recently – Origami Owl, a direct “One-eyed Jane” Continued from page 7
something major had happened to this cat,” Christian said. “I decided to take her in; she was full of worms and the first four weeks she just ate and slept. She loves to be petted and gives kisses, plus she was spade already. My belief is that this cat had a home and experienced some major trauma. It was only a little over a mile from where the tornado hit; it makes you wonder because of the tim - ing when she showed up. She also could have been hit by a car.” One-eyed Jane is about two years old and Christian would love to reconnect her with her owners. She has called around to shelters to see if anyone has reported a missing cat with no luck. “It is an awful feeling to loose an animal this way –they disappear and you think they could be hurt, eaten by a fisher cat or found a new home. My main goal is to either find her home or the right home.” If you think you know this cat, email Christian at
THE CHRONICLE OF STURBRIDGE COUNTRY LIVING THE STURBRIDGE TIMES MAGAZINE 9 Direct-sell consultants conduct home shows, provide customer Continued from page 9 tant,” Cournoyer said. “I also attend things like kids Cournoyer added. “You have the flexibility to be your expos or bridal events to showcase Origami Owl’s own boss and work full- or part-time. However, you never unique lockets and charms and just introduce women work totally alone as you have a team of people support - to the product line.” ing you,” Cournoyer said, who also works as a waitress at To stay connected with past hostesses, Berthel The Sole Proprietor in Worcester. “The two keys to suc - started an annual appreciation brunch at her home that cess are setting small goals everyday and being organized.” involves her husband and sons cooking crepes. She Making a plan to achieve those goals is important spends the time showcasing new Pampered Chef prod - too, Comerford says. As a full-time show producer for uct lines and thanking hostesses for following through large-scale bridal expos, Comerford is use to being or - on home parties, hoping that they will repeat it. ganized and managing things from start to finish. She Another asset to communication in direct sales is says being in direct sales is no different. “The key to di - through fundraising. Most direct sell companies offer a rect sales is discipline. You have to get in the mindset fundraising component, where you can order a specific that you’re in a business and treat it like one,” Comer - product or host a catalog or home party and have a por - ford said. “You need to set goals and make a plan, es - tion of the proceeds go to a charitable cause. For ex - pecially in the beginning.” ample, Berthel does an annual party in the spring at a However, consultants don’t have to go it alone. local Curves workout facility with Pampered Chef’s Berthel said she gets encouragement from Pampered pink products for cancer awareness. Proceeds benefit
Chef fall and spring product launches, which include © 2012 Photo by Stehanie Richards the American Cancer Society. Thirty-One offers a U R testimonies from consultants about how the business Barbara Cournoyer of Sturbridge brings a wealth of experi - U Collection as part of it’s Thirty-One Gives initiative, changes their lives. Comerford added that support also ence to her role as a consultant for Origami Owl. with 31 cents of every purchase donated to nonprofit comes from online seminars, newsletters, and team said. organizations that contribute to the empowerment of building meetings. “Thirty-one has Facebook groups to Success in direct sales also has another key essential– women and girls. These and other fundraisers can pro - share ideas of what works and what doesn’t. In addi - communication. “You have to stay connected to people vide an introduction to a product line or allow con - tion, the company provides a goal setting calendar and and spread the word about new products or specials sultants to reconnect with past customers, all for good monthly checklist as tools to help you succeed,” she through phone calls or social media. It is very impor - causes.
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10 THE STURBRIDGE TIMES MAGAZINE THE CHRONICLE OF STURBRIDGE COUNTRY LIVING ‘nights out’ Business Briefs Conducting home shows does come with its own set of Local personal training firm, 15 years. challenges, but Berthel says flexibility is the key ingredient to In an email to local media on August 28, Klimavich adapting to every situation. “You have to learn to read the ‘Health is Wealth’ announces wrote: “Hometown Bank has been a client for nearly the crowd. Sometimes a group is chatty, so I have learned to walk addition to staff entire 15 years I have been in business. When I first around more and ask anyone who wants to help prepare an CHARLTON — Paula Pa - started working for the bank, they had just the one orig - item to come in another room with me. You really gain more truno, the well-respected inal branch in Webster under the name Webster Coop - self-confidence the more shows you do,” said Berthel, who local personal trainer has an - erative Bank. After the name change and new branding, is also a substitute teacher. “You also have to know how to nounced the addition of her they quickly added a second branch in Oxford and then handle things tactfully when you work in direct sales. Lots of son Kyle to her staff. a third, in Sturbridge. For quite a while, they continued things happen, like a credit card not working, check bounc - Kyle Patruno studied on that path, succeeding in becoming one of the most ing or no guests showing up at a party. All these things have Health, Fitness and Nutri - responsibly managed and profitable banks in the coun - happened to me – you just need to roll with it.” tion while a student at try.” In the end, direct sales feeds the needs of consultants in Holyoke Community Col - Joe will assume duties at the bank’s Oxford branch many ways. “I have met so many incredible women – it’s on September 4 when congratulations can be sent to Kyle Patruno lege. He is a Certified Per - my night out. I think women empower each other,” sonal Trainer through the him at: [email protected]. Cournoyer said. “I get to sit around a table and create a Aerobics Fitness Association of America (AFAA, and locket and really learn about a woman’s personality…I love will begin working in his mother’s firm on September it.” 5. He will be working one-on-one in personal training Berthel agrees. “The best part of this job is I get paid to and teaching Co-ed Fit Camps for all levels. go to a party, meet people and show them a great product,” Paula Patruno describes Health is Wealth as a com - she said. “I have met a lot of people who have become very pany that specializes in helping individuals of all ages good friends. I’ve also been able to help support my family recharge back into fitness and also those who have lim - and still be a stay at home mom…with perks. It is about flex - itations that need to be worked around. Their menu ibility, friends and fun.” of offerings includes small group training, specialized classes, shape-up fit camp and nutritional counseling. Contact info: On October 1, the business will relocate from its Lisa Marie Berthel, Pampered Chef present address to 74 Sturbridge Road, Rt. 20W, Charl - 508.867.8445; [email protected] ton. www.pamperedchef.biz/LisaMarie
Mary Ellen Comerford, Thirty-One Gifts Hometown Bank taps Joe Klimavich 508.826.2565; [email protected] to work on communications www.thirtyonegifts.com OXFORD — Hometown Bank has announced the hir - ing of Joe Klimavich to assume a new position han - Barbara Cournoyer. Origami Owl dling communications details for the company. 508.736.4841; [email protected] Joe will close his firm Klimavich Communica - barb.origamiowl.com tion/WebMechanic, which he owned and operated for
THE CHRONICLE OF STURBRIDGE COUNTRY LIVING THE STURBRIDGE TIMES MAGAZINE 11 INSIDE BANKING By JOSEPH CODERRE PRESIDENT & CEO , SAVERS BANK P ROFESSIONAL A DVICE F ROM A L OCAL B ANKING E XECUTIVE Investing in a college education FOR READERS OF T HE S TURBRIDGE T IMES M AGAZINE
In today’s economy there may be nothing termine a budget to get you there. Add to the best and brightest to their campus. The as important or as difficult as saving for a col - balance, whenever possible, with tax refunds “Having relied too FAFSA form (Free Application for Federal lege education. However, with the current job or bonuses. This, along with compounding Student Aid) uses financial information and market a college degree is essential as it can interest, will help balances accumulate over heavily on formulas, known as EFC (expected family open many doors that otherwise would be un - time. contribution), to determine how much available. For parents it can be the best in - There are many savings vehicles to use for financial aid money is expected to be contributed towards vestment they will ever make, also among the future college expenses. The most popular is could prove to be costs of a college education. The difference largest. a 529 plan. Similar to 401k plans, 529 plans between the EFC and the cost of attendance The average annual cost for an in-state or are a tax advantage if the funds are used to disappointing at a equals the financial need. Under the private school ranges from $20,000 to pay for college. There are two types of 529 critical time when methodology student assets are considered $42,000 respectively. Over a four year period plans: college savings plans and prepaid tu - up to 20%; unprotected parental assets up the total investment in an education can be ition plans. Plans vary widely from state to tuition is due.” to 5.6%; parental income up to 47% and stu - JOSEPH CORDERE between $80,000 and $168,000 with ex - state, but the basics are the same. The ad - dent income up to 50%. Please note however PRESIDENT & CEO , SAVERS BANK penses expected to increase annually by about vantages include: Federal and State tax free that the formula for computing EFC can 5%; alarming numbers for sure. for qualified education expenses, high con - change from year to year. Starting to save early is critical to investing tribution limits, unlimited participation, appropriate vehicle to coincide with your Having relied too heavily on financial aid in your child’s future. Money invested early professional investment, a variety of invest - overall financial planning strategies. could prove to be disappointing at a critical will have the opportunity to grow over time. ment options and wide use of funds for qual - Financial aid for tuition comes mainly time when tuition is due. The typical aid For example, $100 per month for 15 years ified education. Be aware that returns are from the college or the government in the package will mainly consist of loans, not can amount to almost $30,000 (6% after tax not guaranteed and fees differ from plan to form of loans, grants, scholarships and work grants or scholarships. As a general rule, assumption). plan. When making investment choices care - study. Grants and scholarships do not re - loans will make up the largest percent of the Deciding on a game plan is your first step. fully consider the risk of the investment and quire repayment, while work study is a time tuition bill; up to 50% and grants and schol - Determine how much you can realistically af - the time frame when the funds will be obligation and loans must be repaid. The arships up to 15%. To avoid a considerable ford to save for education without neglecting needed. amount of debt accumulated to finance an amount of debt after four years it makes other priorities. It is important to keep in Custodial accounts and savings bonds are education can become overwhelming, so sense to start saving early, or better stated, mind that you can borrow for education, but other great forms of saving, as well as a planning and the decision on which school start investing in your children’s future early. you cannot borrow for your retirement. Coverdell Education Savings Accounts; a to attend becomes critical. Mr. Codere is President and Chief Execu - Make a decision regarding a savings target, for unique account with tax deferred earnings The granting of financial aid is needs tive Officer of Savers Bank. He has two chil - example 50% of total college expenses. From and tax free distributions. A discussion with based and merit based. Merit based schol - dren attending college. this you can use a financial calculator to de - a financial advisor will help you decide the arships are used by colleges to attract the
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MemberMember FDIC / MemberMember SIF / EqualEqual Housing LenderLender 12 THE STURBRIDGE TIMES MAGAZINE THE CHRONICLE OF STURBRIDGE COUNTRY LIVING Mobile Marine: the place where boats hibernate By Richard Murphy thinking about the time back to school ads the work. Marine Service. Have you ever wondered where the boats appear. Sometimes, however, the wise decision When asked what would be the best way go during the winter? It is not as if they fol - The advantage to having a boat stored is is not to wait. As Craig put it, “A lot of for someone who wants to get on the water lowed the geese south, though who could that if there is a repair or improvement that problems could be solved at the dock” in - to go about it, he had a suggestion. In this blame them? Yet, as the days get shorter and could wait, the winter is the best time to stead of hauling the boat out of the water. economy, rebuilt and refurbished boats are cooler, there are less and less craft on our have your marine service professional do That’s why the word mobile is in Mobile Continued on page 16 lakes. This is understandable, as even most landlubbers would grant the wisdom of put - ting things away. To find out why it is vital to secure your boat off-season, The Sturbridge Times Mag - azine spoke with a man who is passionate about them. Craig Laliberte owns Mobile Marine Service in Southbridge. His boat - yard is mostly bare now. Only the odd proj - ect is on hand. It won’t be long before there will be a fleet of blue covered boats in hi - bernation. Craig is emphatic. Winterization is the most important maintenance for the boat owner. It will determine how the craft runs next season. For the small price of fall serv - ice, one can save enormously on repairs and time. The most important aspect of winteriz - ing the boat is stabilization of fuel. Today’s fuels, with ethanol added, go stale very quickly. They cannot be stored for more than a month. Maybe you think you could do it all your - self. A true jack-of-all-trades might be tempted. Given enough knowledge, time and equipment, not to mention storage space, they might even pull it off. Not most of us. There is a set winterization procedure that professionals follow. Craig outlines his as six steps. First, he will pick up your boat. Second, the bottom is thoroughly washed. The third is winterizing the engine. This in - cludes the aforementioned stabilization of fuel and draining of fluids. For the fourth step, the batteries are secured and stored in - doors. Fifth, the boat is shrink wrapped with the heaviest material available. The wrap is vented so there is no fear of mold. The sixth and final step occurs in spring. The boats are unwrapped, washed and vac - uumed. Then the engines are run-up. When all is in working order, they are de - livered. The trailers are stored for free in summer as part of the service. The customers of the storage service also get an insurance policy of sorts. Should they need to call for mobile service in sum - mer, it’s covered at no charge. Now that we’re in September, folks are already thinking of taking the boat out of the water. Craig says the mindset begins fall
THE CHRONICLE OF STURBRIDGE COUNTRY LIVING THE STURBRIDGE TIMES MAGAZINE 13 FITNESS QUEST Marking 20 years, Sims expands training programs By Kevin T. Baldwin I do exercises in the water.” Inside the brown building on Route 20 in Charlton, SIMS Susan explained she joined at first because she was Premier Fitness is in the middle of celebrating its 20-year an - concerned about fall precautions. “As people age, we lose niversary in operation. flexibility and our perception changes and it becomes Owner and Group Fitness Director Sarah Simonelli, who easier to fall,” Susan said. “Living alone, I want to live as is also a registered nurse and mother of four, explained how independently as long as possible and not become a bur - she and husband Peter wanted to open a club that would den to anyone.” offer the community a “friendly, family like atmosphere” and According to Susan, she found that, despite her edu - relayed a number of members who have joined for that very cation degrees and life experience, she couldn’t accom - reason. “People establish friendships here,” Sarah said, ex - plish her fitness goals on her own.“At SIMS, I started plaining how several members will remain in the club long working with a personal trainer, Darla,” Susan said. “I after their workout has ended, just to talk, socialize, play pool, explained I wanted a lot of balance work. One thing I swim, or enjoy the club’s “Juice Bar.” Mrs. Mazur said she enjoys taking the “BodyStep” and highly recommend is the Aquatone Water Fitness class, Sarah said she and her husband employ about 50 people, “BodyFlow” classes offered at SIMS. where your joints are supported (in the water) and it is a many of whom are CPR certified and are qualified in multi - Susan Terkanian, 61, from Spencer, is not a SIMS em - low impact class that you can get a good workout.” ple areas of fitness instruction including weight training, kick - ployee but holds a Bachelors degree in Physical Educa - Susan said since joining she has run into and recon - boxing, and are certified in various Les Mills fitness program tion from Plymouth State University, N.H. and a Masters nected with old friends, and the members who work out instruction. degree in athletic training from Indiana State University. are friendly. “We might not socialize outside the gym, but Janusz and Jogita Mazur, of Southbridge, recently joined Susan joined the club in February 2011. “I checked out the members I’ve met have all been welcoming and the club, and say they have been coming to work out every other clubs in the area and the SIMS facility impressed friendly,” Susan said. “You might see people working out, other day.“We joined because of the variety of machines and me,” Susan said. “I like that it has a family atmosphere and while you might not know their names, because classes,” Mr. Mazur said. “The doctor said I need to lose 30 and they have a shallow pool. I’m not into swimming but you’re all always there day to day, if you miss some time pounds, so here we are.”
14 THE CHRONICLE OF STURBRIDGE COUNTRY LIVING away from the gym they know you haven’t been there and programs offered at SIMS. “Young kids should be growing lifestyles.” Christine, a Silver Sneakers certified instructor, will ask ‘hey where have you been’?” up in a society of movement and learn that it is a natural explains the program is open for anybody. “We have always While Sarah said there has been a recent increase in thing to want to go to the gym,” Susan said. been about fitness, fun and friends,” Christine said with younger high school and college age members to the club, Peter Simonelli helps run the daily operation of the Sarah echoing how she considers SIMS Premier Fitness to she said there are enough programs available for older business but also is involved in real estate development. be a “community within a community” with “people from members and senior citizens, as well. “There was an older So, as a result, Sarah handles most of the club’s day-to- all ages and walks of life from Sturbridge and Charlton and man who came into sign up and asked me to speak with day fitness curriculum including the newly initiated “Les beyond.” his wife who was waiting in his car. He wanted her to join, Mills” fitness group workout programs. On Sep. 29 and 30 SIMS Premier Fitness will premiere as well,” Sarah said. The man’s wife had experienced a The Les Mills programs at SIMS include CXWORX™, a “group launch” and on Oct. 1 will hold an open house rapid 50 pound weight gain (due to the use of prednisone BODYATTACK®, BODYCOMBAT®, BODYFLOW®, where visitors can come explore all the group and individ - and other medications). “I spoke to her and she came in BODYPUMP™, BODYSTEP® and RPM™ ual fitness workout programs offered at the club. Visitors to look at the gym. She expected it to be all young, fit peo - According to Christine Jensen, of all the Les Mills pro - may also peruse other club offerings including the pool, rac - ple, but saw that we have something for all shapes and grams, “CXWorx is our most popular because it is 30 quetball court, physical therapy, massage therapy and “Mass sizes.” minutes of solid core conditioning” and “BodyAttack is Muscle Maker,” which sells vitamin supplements and diet As the wife was taking the tour of the gym, another the most intense because it is sports conditioning which plans at the club. member was introduced to her and her husband, ex - can burn up to 730 calories in just one session. From At SIMS Premier Fitness members with children can plaining his own success story.“I said how this member shoulders to knees you’re going to feel it,” Christine said. enjoy their workout as a childcare “kidwatch” program is had lost 100 pounds since joining the gym and he cor - “BodyPump is for weight training, RPM involves cycling, available (all staff members involved in “kidwatch” are rected me, saying no, it was 114 pounds,” Sarah said. BodyCombat is kickboxing, BodyStep is a step class, and CORI checked). “That was all it took. She joined and, on her first day, she BodyFlow combines Yoga, Pilates and Tai Chi.” SIMS is open seven days a week. For more information rode two and a half miles on the bike and she keeps com - Sarah attributes the club’s longevity by offering “some - on specific class times and what other fitness programs are ing back. Her daughter said to me how proud she was. thing for everyone” but is especially proud of the Silver - available at SIMS readers can visit their Facebook page That’s what we like to do. Keep motivating members to Sneakers® Fitness Program which according to their web (“SIMS Premier Fitness”), visit their Web site at www.sims - come back.” site is “an innovative health, exercise and wellness pro - fit.com or by contacting them by phone at (508) 248-4804 Susan suggests there are also philosophical benefits gram helping older adults maintain healthy, active or via email at [email protected]. which can be derived from the various physical fitness
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