FINAL-1 Sat, Jan 23, 2021 3:44:04 PM

LEADERSHIP • INNOVATION • STRATEGIES

WINTER 2021

Pandemic Pushback Drive toward economic recovery gains momentum ALSO INSIDE Local businesses turn attention toward mid-2021 rebound Tourism, cultural centers plan next act to woo visitors Banking, real estate sectors embrace new paths to success

A quarterly publication of The Eagle-Tribune, , The Daily News of Newburyport and the  North of Boston Media Group • NORTH OF BOSTON BUSINESS • Wednesday, January 27, 2021 S2 care options intheMerrimack Valley. Visit LawrenceGeneral.org/PrimaryCare to connect to agrowing list of primary easier to take control ofyour health. body safe, ready andstrong. Together withourexpert providers, we’re making it numbers to general healthandwellness, aprimary care relationship helpskeep your Primary Care isafirst lineof defense for you andyour family. From knowing your CHOOSE APRIMARY CAREDOCTOR, TODAY. Torkom A.Garabedian, MD FINAL-1 Sat, Jan23,20215:24:57PM FAMILY HEALTH IS TODAY: PRIORITY PRIMARY CARE # 1 FINAL-1 Sat, Jan 23, 2021 5:24:58 PM S3  2021 goals: Reinvention, recovery and resurgence North of Boston Media Group • o one — person, busi- small business in hopes of ness or organization ensuring their viable future N— has been immune to and the vibrancy of their Small business: By the numbers the wrath of COVID-19. communities. Lives have been lost. Now 2021 arrives with hope Small businesses are the lifeblood Administration, since the COVID-19 in 2017, small banks devoted larger Initiatives have faltered. for reinvention, recovery and of local economies and serve various outbreak was declared a pandemic by shares of their assets to small busi- important functions, including employ- the World Health Organization in March ness loans, while large banks issued a And enterprise has stalled resurgence. ing hundreds of millions of people 2020, employment by small businesses higher total volume of small business and even halted. Economists suggest that, for across the globe. dropped by more than 17%. loans. But through the bleakness many, the road ahead will not The Small Business Administration ``The U.S. Bureau of Labor Statistics ``Various small business experts surrounding the pandemic have be a smooth one. says small businesses — which are notes that about two-thirds of busi- state that people between the ages of NORTH OF BOSTON BUSINESS been many examples of forti- But while most businesses defined as firms that have fewer than nesses survive two years, half of all 25 and 44 have the greatest tendency to tude and resilience. surveyed in JPMorgan Chase’s 500 employees — comprise 99.9% of all businesses will survive five years and form new businesses. In the business community, annual Business Leaders Out- businesses in the . one-third will survive 10 years. ``Even though the restaurant busi- we have encountered numerous look survey released in early A rundown of small business statis- ``The U.S. Chamber of Commerce ness is billed as the most difficult instances of companies retool- January cite continued eco- tics can show just how vital these com- advises 20% of small businesses will go industry to break into, the Chamber of ing in response to the corona- nomic uncertainty as their top panies are to the economy. under within a year of opening. Almost Commerce says only 17% of restau- virus and stepping forward to challenge, a majority — 77% ``The U.S. Chamber of Commerce half of businesses that did not survive rants actually close within a year of • Wednesday, January 27, 2021 serve the common good. and 63% of midsize and small reports that between 2009 and 2016, into a second year indicated that a lack opening. In reality, the construction, We have witnessed owners businesses, respectively — roughly 400,000 new small businesses of funds resulted in their closures. warehouse and transportation indus- and workers across all indus- remain optimistic about their were opened each year. ``According to FDIC data obtained tries are much more challenging, with a tries employing inventive mea- own performance in the year ``According to the Small Business by the Small Business Administration, 75% failure rate in the first year. sures to stay afloat. ahead, even as they continue to We have watched neighbor- face the impacts of COVID-19. plan for continued economic models, distribution channels and offers optimism for recov- stronger and more committed ing enterprises reaching out to In a period filled with unpar- uncertainty, according to the and technologies,” says head ery in 2021.” to serving the local landscape. help one another in a collective alleled challenges, small and survey report. economist Jim Glassman of In this issue of North of Bos- quest to survive and prosper. midsize U.S. business leaders “Businesses have weathered the commercial banking arm of ton Business, we examine what SONYA VARTABEDIAN We have seen many more are showing strength and deter- many storms over the past year, JPMorgan Chase. the region’s business com- Managing editor of consumers coming to appreci- mination by remaining nimble, displaying impressive levels of “The challenges aren’t over, munity envisions for the year features and magazines ate the value of local com- accelerating digital adoption creativity and adaptability as but their tenacity has helped ahead as they look to emerge svartabedian@ merce and rallying to support and using lessons learned to they shifted to new operating sustain economic momentum from a life-altering pandemic northofboston.com Selling Your Northshore Home?

Simplify the process, call Ron Supino

SOLD SOLD SOLD SOLD SOLD

Danvers, MA Danvers, MA Peabody, MA $1,100,000 $640,000 $683,500

SOLD SOLD FOR SALE SALE PENDING

COMMERCIAL PROPERTY SOLDAmesbury, MA Salem,SOLD MA Salisbury,SOLD MA Groveland,SOLD MA SOLD $599,000 $629,000 $420,000 $675,000

Berkshire Hathaway$10 Million HS Commonwealth sold in the last • [email protected] 24 months • [email protected] BerkshireBERKSHIRE hathaway HATHAWAY hs C•ommonwealth Call Ron Supino • Direct • 978-590-1628 Call Ron Supino • Direct 978-590-1628 FINAL-1 Sat, Jan 23, 2021 5:25:00 PM  S4 Cautious optimism Business leaders set hopes for improvement on second half of 2021

By Christian M. Wade doors,” he says. “They’ve been able second wave could sap some of the to bundle through it using PPP loans willingness of consumers and busi- [email protected] • Wednesday, January 27, 2021 27, January • Wednesday, and other things, but absent any more nesses to spend and invest,” Rosen- The coronavirus pandemic has help, they’re down for the count.” gren says. hammered businesses across a swath Joe Bevilacqua, president of the Aside from the financial impact of industries, with government shut- Merrimack Valley Chamber of Com- of the outbreak, business leaders are downs, ever-tightening restrictions merce, says many small businesses warning that a “perfect storm” of and other pressures on the bottom are unsettled by the uncertainty. higher labor costs that kicked in this

NORTH OF BOSTON BUSINESS line. “They are very concerned about year could force some storefronts to While many are looking to the future potential shutdowns,” he says. go dark and slow the state’s economic new year with optimism — and “And there’s a climate of fear among recovery. see the first rounds of COVID-19 consumers who are afraid to venture On Jan. 1, the state’s minimum vaccinations as the beginning of out, which is impacting sales.” wage rose to $13.50 per hour. In addi- the end — the outlook for the first Like many economic observers, tion, a new paid leave law went into quarter of 2021 doesn’t show much Bevilacqua expects the first quarter to effect, and small businesses are fac- improvement. be difficult, but he says there’s opti- ing an average 8% increase in health Chris Geehern, vice president of mism for a rebound in the remainder insurance premiums. marketing at Associated Industries of of the year. Unemployment insurance rates Massachusetts, says recent surveys He says the pressures on small for employers are also expected to of business owners across a range of businesses are more acute in the skyrocket. Gov. Charlie Baker filed a industries suggest that many are still Merrimack Valley, which borders tax- proposal to freeze those rates for the Shutterstock in the “pessimistic range,” though free New Hampshire, a state that has next two years, but lawmakers failed

North of Boston Media Group • Group Media of Boston North their attitudes have improved. resisted tougher limits on businesses several more months. economic restrictions,” Deloitte’s to approve it before the end of the last Overall, the outlook for the new despite a surge of infections and Nationally, Deloitte projects a chief global economist, Ira Kalish, legislative session. year depends on the industry, he says. hospitalizations. downturn in economic activity in the wrote in a recent blog post. Meanwhile, on Beacon Hill, law- “If you’re in manufacturing, tech- “People could just jump across the first quarter, but says two major fac- Eric Rosengren, president and makers are considering a “million- nology or biosciences, you probably border to go do their tax-free shop- tors will determine the path of the CEO of the Federal Reserve Bank aire’s tax” on top earners that could have a pretty bright outlook,” he says. ping,” he says. “So, consequently, economy — the status of the corona- of Boston, recently told a gathering also affect many companies, business “But if you’re in tourism or travel, or New Hampshire businesses are virus outbreak and the government’s of business leaders that he expects leaders say. that sort of business, not so much.” benefiting.” response. a “gradual” economic recovery and The cumulative effect, Geehern Geehern says the business forecast While the first COVID-19 vaccines The financial firm points out that says additional restrictions and clo- says, is a “persistent upward pressure depends on how quickly COVID-19 are rolling out, most people won’t the Biden administration intends to sures from a second wave of the virus on business costs” that comes just vaccines are distributed and whether get vaccinated until late spring or take aggressive steps to control the would throttle that down. as businesses are trying to survive a government pandemic relief begins summer, public health officials have virus, including expanded testing and He also says the economy will pandemic. flowing again. warned. contact tracing. likely face “headwinds” well into Christian M. Wade covers the Mas- “We’ve talked to a number of That means government restrictions “The hope is that these measures 2021. sachusetts Statehouse for North of companies who say that without intended to prevent the spread of the could help to quickly suppress the “Even without added restrictions, Boston Media Group’s newspapers additional stimulus, they’ll close their virus are likely to remain in place for outbreak and allow the removal of the added risk of infection from a and websites. Vital cogs: How small businesses can support each other Because of the key role company, consider sharing you can promote and recom- is not. Networking meetings services. One of the sim- industries. For example, pet small businesses play, it is the information with another mend mortgage brokers, home also provide great opportu- plest ways to help out other store owners can work exclu- essential that they thrive and small business owner or rec- inspectors, interior designers nities to work on potential small businesses is to be sively with a nearby dog prosper. ommending another firm that and moving companies. If you collaborations. their customer. This is the trainer, and both can market Here are some steps that might make for a more suitable own a store, enable other busi- `` Consider sharing ultimate show of support their services together. small business owners can partner. nesses to advertise their own resources. Certain businesses and can help validate your `` Start a social media take to support and assist one `` Promote one another. stores and services. may benefit from sharing recommendations. group. A small business with another. Make sure there is a promi- `` Organize networking facilities, equipment or even `` Explore co-branding or social media savvy can be the `` Pass along opportuni- nent and visible collection of opportunities. Networking supplies and other resources as co-marketing. Some busi- administrator/moderator of a ties. As a business owner, if business cards or promotional and meeting with others in cost-saving measures. This also nesses support each other by local group that encourages you come across a resource or materials available in your the industry is a great way to may open up opportunities to working together. Finding other businesses in the area to an opportunity that may not facility. For example, if you share ideas to see what may be collaborate. ways to work together can be frequently post and advertise be the ideal fit for your own are a local real estate agent, working for others and what `` Use one another’s effective, especially in similar their businesses. S5 North of Boston Media Group • NORTH OF BOSTON BUSINESS • Wednesday, January 27, 2021 Funeral Home Kevin B. Comeau Phone: 978-521-4845 Fax: 978-374-8711 Email: [email protected] www.comeaufuneral.com Website: Primary Business Address 486 Main Street 01830 Haverhill, MA Sat, Jan 23, 2021 5:25:03 PM 5:25:03 2021 23, Jan Sat, FINAL-1 Needs. for your Think ofThink

Your future isfuture Your in your hands.in your Future Funeral

Kevin B. ComeauKevin most likely be able to offer you more. most likely be able to offer home without losing any benefits. In fact, we will we fact, In benefits. any losing without home You can transfer your arrangements to our funeral You other funeral homes. much, we even honor pre-arrangements made atmuch, we even honor pre-arrangements We believe in the advantages of pre-planning soof pre-planning advantages the in believe We arrangement and pre-payment. advantage of the benefits offered by funeral pre- offered advantage of the benefits Over the years, many families have taken many families have taken Over the years, FINAL-1 Sat, Jan 23, 2021 5:25:04 PM  S6 Home sales soar during pandemic Low interest rates and space needs lure buyers North of Boston By Jill Harmacinski Jill O’Shaughnessy, broker and owner of Jill & homes sold in North Andover and Lawrence, Co. Realty Group in Salem, New Hampshire, she says. Of those, four out of every five sold [email protected] said as 2020 was drawing to a close. above the asking price, she says. If anyone found a silver lining in the O’Shaughnessy says buyers forced to stay Methuen showed a similar trend for the same

• Wednesday, January 27, 2021 27, January • Wednesday, COVID-19 pandemic, it was those working in home during the pandemic, often in cramped time period, she says, as 601 homes were sold real estate. quarters, found they had time to start home and three out of every four went for above the Low interest rates, combined with people searches online. asking price, Fermin says. working from home and looking for larger liv- “The low rates is really what is making While some buyers did take masked and ing spaces and even second homes, helped set everyone buy,” she says. “People are getting socially distanced tours of homes before mak- record sales North of Boston during 2020. sick of their environments.” ing an offer, others opted for virtual tours and

NORTH OF BOSTON BUSINESS Homes flew off the market, often grabbed by In Massachusetts, home sales rose nearly bought properties “sight unseen,” Fermin says. folks who did virtual tours, buying the proper- 25% in November 2020 over the previous year, In addition to masks, Realtors who led tours ties without ever physically stepping inside with the median sale price of a single-family were armed with gloves and booties. Showings them. home jumping to $460,000. Sales in November were limited to four people, Fermin says, and “I kid you not,’’ Michelle Fermin, team 2020 also exceeded sales in June 2020, revers- properties were thoroughly cleaned before and leader of The Fermin Group, Century 21 North ing the traditional pattern of an increase in the after each tour. East in North Andover, says of last year’s high- spring and a drop in the fourth quarter of the O’Shaughnessy herself was among the buy- paced sales. year, says Tim Warren, CEO of The Warren further from their offices,’’ Warren said at the ers, purchasing and gutting a new office space “And the thing is, it’s not slowing down. ... Group. end of 2020. at 254 North Broadway in Salem, New Hamp- You need to be aggressive as a buyer,” she says. After a pause when the COVID-19 crisis hit In New Hampshire’s Rockingham County, shire, for her real estate business. Fermin says her group’s sales were up 39% last March, the real estate market roared back the median sale price jumped to $443,000 in Her advice to those looking for new spaces: year over year in 2020. during the summer. That sales pace continued November 2020, up from $385,000 a year ear- Work with a buyer’s agent who has a good The limited inventory of homes available for through the fall as buyers, sellers and the indus- lier, O’Shaughnessy says. reputation. purchase in 2020 made the market highly com- try adjusted to conditions of the pandemic. Fermin says the majority of homes in Law- “Someone who will work hard for you to get

North of Boston Media Group • Group Media of Boston North petitive, driving up sale prices, area real estate “Buyers are taking advantage of rock-bottom rence, North Andover and Methuen were selling your offer accepted,” she says. agents say. interest rates and the ability to work from home above the owners’ asking prices in 2020. Michael P. Norton of the State House News “As soon as they are listed, they are sold,” to set their sights on communities further and From Jan. 1 to Nov. 1 last year, a total of 732 Service contributed to this story. REAL ESTATE WATCH: What’s ahead in 2021 By Jeff Ostrowski rates to average 3.1% in 2021, expect price gains to slow in trends that were already in default, most will sell before exploded, says Chris Birk, up from 3% in 2020. 2021. CoreLogic reports a 7.3% place,” Dietz says. foreclosure. director of education at Veter- BANKRATE.COM/ The Mortgage Bankers gain in prices nationally in the “Homeowners are sitting on ans United Home Loans. TRIBUNE NEWS SERVICE Trend 4: Some home- Association says rates will 12 months ending in October a record level of equity right VA loan volume nearly dou- In 2021, mortgage rates will average 3.3% in 2021. That 2020. That pace should cool to owners will struggle, but now,” Sharga says. bled from 2019 to 2020. It was rise from record lows, home- means the refinancing boom of 4.1% in 2021, Nothaft says. the pain will be muted A chronic shortage of homes the first time the VA has issued price gains will slow, and 2020 should slow dramatically The National Association of A decade of job gains disap- for sale and under construction more than 1 million loans in Americans will continue their by the second half of 2021, Realtors expects home price peared in the first month of is propping up prices. a year. migration to less dense regions says Michael Fratantoni, chief gains of 3% in 2021. The the coronavirus recession, Yun “We will see the foreclosure “This was a truly historic and lower-cost housing markets. economist at the Mortgage sharp rise in home prices last notes. But the U.S. labor mar- numbers increase. But it is year,” Birk says of 2020. “This That’s according to housing Bankers Association. year has created renewed fears ket has now recovered many of important to remember where was the biggest year in the his- experts who spoke late last However, the refinancing of a tightening squeeze on the job losses. Yun says strug- we’re starting from,” Fratan- tory of VA lending.” year during a virtual confer- window won’t close entirely. affordability. gling homeowners will be able toni says. “We’re at a 40-year Younger veterans are driv- ence of the National Associa- Some 20 million Americans to sell their way out of trouble. low in foreclosure rates right ing demand, Birk says. VA Trend 3: Americans are tion of Real Estate Editors. have loans at rates higher than “Hypothetically, even if now. They’re going to go loans require no down payment 4%, says Frank Nothaft, chief flocking to the ‘burbs there was to be some price somewhat higher. But because and have loose requirements Trend 1: Mortgage rates economist at real estate data The COVID-19 pandemic decline of say 5%, the housing of the equity positions many around credit scores, allow- will edge up in 2021 firm CoreLogic. He expects has sparked debate about the market can easily absorb that,” homeowners have, you’re just ing veterans to accelerate their Mortgage rates fell to new many of them to refinance in fate of cities. For now, Ameri- Yun says. “It will not cause not going to see them get to home-buying schedules. lows in December. However, 2021, even if rates tick upward. cans’ move from urban centers foreclosure problems.” foreclosure.” “They don’t need to spend as the economy improves and to suburbs and smaller cities is Rick Sharga, executive vice years saving a down pay- Trend 2: Home prices Trend 5: The VA loan the coronavirus pandemic “unambiguous,” says Robert president at RealtyTrac, like- ment. They don’t need to build fades, rates will trend up, hous- will keep rising, but Dietz, chief economist at the wise predicts that foreclosures market is on fire pristine credit,” Birk says. ing economists say. not as quickly National Association of Home will rise in 2021, but the fallout The volume of mortgages “They’re able to jump into the The National Association While home values soared Builders. will be manageable. While backed by the U.S. Depart- housing market well ahead of of Realtors expects mortgage last year, housing economists “It’s an acceleration of some homeowners will go into ment of Veterans Affairs has their civilian counterparts.” FINAL-1 Sat, Jan 23, 2021 5:25:04 PM S7  Cars back up onto

Parker Street in North of Boston Media Group • Gloucester in March 2020 as customers wait their turn in line at the Institution for Savings’ drive-up bank teller window. While online banking has burgeoned during the pandemic, bank executives

say consumers still NORTH OF BOSTON BUSINESS desire personal BRYAN EATON/Staff photo interaction with Newburyport Bank unveils the refurbished lobby of its main their banks. office in downtown Newburyport in 2019 following a sizable renovation project. The community bank intends to continue PAUL BILODEAU/ operating its branches to fulfill customers’ needs that can’t be Staff photo met as easily online. • Wednesday, January 27, 2021 Convenience — farmers markets. Hamm says he envisions is still crucial to our custom- Clancy also says she does “Technology will allow us banks, especially larger ers. But even though we have not anticipate the Institution with the to go to the customer more,” national entities, will be clos- brick and mortar, the customer for Savings reducing its physi- Hamm says. ing even more local branches wants the electronic options cal footprint. Kathleen Murphy, president as 2021 plays out, but he and convenience,” Hamm “We serve a local market personal touch and chief executive officer of assures that Newburyport Bank says. “I think that creates and people like to see their the Massachusetts Bankers will not be going that route. opportunities for us as a com- bankers, and we don’t feel that Association, says the technol- “The brick-and-mortar bank munity bank.” will change,” Clancy says. Online banking expands, ogy available today has given consumers banking access but not at expense of “when they want it and how they want it” — access that brick-and-mortar branches was not possible as recently Save Money $ - Super Service & as 2012. By Dave Rogers accelerated as it was this year. Consumers have been driv- FREE REGISTRY Almost overnight, we had to ing these changes, she says, DROGERS@ NORTHOFBOSTON.COM push customers away,” Hamm and banks were doing their says, referring to the temporary best to stay ahead of the times Well before COVID-19 closures of bank lobbies due to as opposed to simply being forced banks across the region the pandemic. reactive to advancements. to at least temporarily close Mary Anne Clancy, senior “I call it the great equalizer; their branches in an effort to vice president of marketing and it allows banks of all sizes to slow the spread of the virus, communications for the Institu- compete on the same level,” customers have been steadily tion for Savings, agrees, saying Murphy says. moving online to satisfy their the pandemic has accelerated Both Hamm and Clancy banking needs. the drive toward electronic says having more options to Spurred by the pandemic, banking as much as three to conduct basic banking busi- that trend has sped up over five years faster than her bank ness has been a win-win for the last year, according to two expected. both bankers and customers Auto • Homeowners Newburyport bank execu- “With this, they were forced alike. But they also say the John Doyle Business • Life Insurance tives — to the point where to do their banking electroni- need for in-person banking some larger national banks are cally, and they’re doing it,” will continue unabated for the closing locations and directing Clancy says of the bank’s foreseeable future. INSURANCE AGENCY 978-777-6344 customers even more toward customers. “We love the fact that electronic banking. Hamm says Newburyport for basic services, they are Lloyd L. Hamm Jr., presi- Bank has embraced and embracing online services,” dent and chief executive officer adapted with the ever-changing Clancy says. Voted #1 of Newburyport Bank, says nature of banking by finding But, she says, there will Insurance banks have been encouraging new ways to reach customers. still be a need to come into the Agency customers to pursue “self-acti- One recent campaign has seen bank for such services as loan vated banking” for years. bank employees armed with applications and other com- “I wish it hadn’t been as iPads meeting customers at plex transactions. www.doyleinsurance.com FINAL-1 Sat, Jan 23, 2021 5:30:29 PM  S8 Reinventing the workplace How to stage a successful pandemic ‘pivot’ Amy Scannell realized that working remotely was diverse company communication Stronger management personal lives, allowing for more vital to maintain operations. Infor- forever. By mid-March last year, it relationships authentic and deeper bonding. ONEDIGITAL|INSIGHT mation technology infrastructure became apparent that the best way to So, what strategies should compa-

• Wednesday, January 27, 2021 27, January • Wednesday, was quickly updated or added, and maintain engagement remotely was Effective one-on-one interaction nies consider moving forward? If there is a word employees who had never logged in via videoconferencing and other inter- between employees and managers Keep communication active that defined the abil- remotely quickly became proficient active tools for company messaging. is the unsung hero for maintaining ity for businesses to at it. Initially, senior leadership pulled highly engaged teams and nipping We’ve put all these new technolo- thrive in 2020, it’s Certainly, there were bumps in folks together virtually to share potential problems in the bud. Virtual gies to work, and even though you “pivot.” Companies the road, but over several months, urgent messages about day-to-day meetings have become irreplace- might not need to urgently share

NORTH OF BOSTON BUSINESS and employees, and many of the initial concerns became operations. As individuals became able here, too. By “laying eyes” on information or crucial business even industries, moot. It appears that remote work more engaged and comfortable with employees, it’s much easier to col- updates, keep talking to your people. have reinvented practices are here to stay — allowing the format, the practice has evolved to laborate, to gain buy-in, and to hear The best indicator of employee themselves — not only allowing, continuity of business, retention of include discussions of more strategic and respond to concerns, all while engagement is an understanding that but encouraging, new, unusual and employees and expanded workforce initiatives via these platforms. gauging employees’ well-being. staffers are needed and appreciated at groundbreaking business measures. considerations from around the globe. Additionally, CEOs have offered Financial, health and interpersonal work. Don’t stop that messaging now. Here are some of the success- Companywide communication “coffee hours,” managers are now struggles compounded with general I often hear senior leaders say that ful practices that were introduced, holding department meetings, uncertainty have become an unavoid- they don’t feel like there is “much adopted and expanded during 2020. In almost all employee engagement employees are “huddling” and, of able part of life. The ability of manag- new” to report. However, with busi- surveys, there are typically some course, there are remote happy hours ers to quickly assess and intervene, nesses coming back stronger than Increased leverage of gripes and suggestions surround- — all using virtual platforms. There when appropriate, has made a big dif- ever, it’s crucial to share updates, the remote workforce ing better communication. Those is a general feeling that although ference in overall engagement. Fur- wins and creative successes. Have Companies that never considered in the human resources field have there is no substitution for in-person ther, working remotely has provided other stakeholders share information work-from-home practices quickly been encouraging more frequent and interaction, this is a close second. a deeper glimpse into colleagues’ and, when in doubt, come together North of Boston Media Group • Group Media of Boston North FINAL-1 Sat, Jan 23, 2021 5:30:32 PM S9  to simply celebrate the fact that you are performance or lack of effort. However, all still there. At the same time, keep we can redefine what success looks like North of Boston Media Group • in mind that videoconferencing can be and we can continue to pivot to meet overly stimulating if used too often or our well-intentioned employees where Staying connected for too long; be mindful of taking breaks they are. Continue to be mindful that the and not over-scheduling. uncertainty of the current environment Lead by example means different things to employees depending on their personal circum- from a distance Even if your employees don’t physi- stances (health concerns for themselves cally see managers or senior leadership or loved ones, child care, etc.). Employ- One of the biggest challenges calls can ensure project deadlines While everyone should do every day, know that employees are ees will cope differently and have vary- with going remote, especially are met, but also can serve as a their best to maintain a relatively always watching. They are looking for ing tolerance levels. doing so as suddenly as busi- stand-in for typical chitchat that normal schedule so deadlines clues, information and direction. Com- Nothing lasts forever, and although nesses were forced to because can make office environments can still be met, employees pany leaders who instruct staff to wear the COVID-19 pandemic feels like it of COVID-19, is maintaining warm and inviting. should be encouraged to commu- masks, for example, but don’t follow might, how we pivot to the needs of communication among staff nicate when they can work and NORTH OF BOSTON BUSINESS Encourage employees to their own rule can be assured that their our businesses, customers and teams members. when they need to step away. employees won’t take the measure seri- will be a very strong indicator of future Email and chat applications share their schedules Doing so keeps idle time to a ously either. Leaders must walk the talk. success. like Slack facilitate commu- Some employees may find minimum and allows managers Be flexible Amy Scannell is vice president of nication for remote staff, but remote working more challeng- to set realistic goals for remote human resources consulting services business owners and managers ing than others. For example, staff. Employees may be asking for things for OneDigital|Insight, a full-service can use a handful of additional employees with young children Set up a virtual lunch • Wednesday, January 27, 2021 they have never sought before — flex- human resources and benefits solu- strategies to ensure the lines of whose schools or day cares have ible hours, staggered schedules, a better tions company based in Beverly. She communication with staff remain been closed may need more flex- Lunch can be a vital compo- desk chair for their home office and even has been involved in human resources open. ibility in regard to when they nent of a strong business culture. a general understanding that everyone in a variety of different roles and dis- Set up daily calls work. Managers must recognize Employees may bond over daily is doing the best that they can. In busy ciplines for her entire career. Her pas- that challenge and reassure work- lunches together and may even times, we tend to forget to say “thank sion is in HR process improvement and Daily conference calls with ing parents that they recognize hash out ideas for the company you, nice job” and “wow, I see how hard implementation and in employee and staff can be beneficial for a com- the difficult position they’re in. over sandwiches or slices of you are working.” Be authentic, but be organizational growth. Prior to joining pany and improve morale. Small Fellow employees without such pizza together. Virtual lunches grateful and voice appreciation. OneDigital|Insight in 2008, she worked businesses are best able to do challenges must also recognize over an app like Zoom can be a Be patient in HR in real estate management, con- companywide calls, while midsize this and afford co-workers a little great way to stay connected and sulting, higher education and software to large businesses can schedule extra time to get their work done, continue to foster a strong com- No company can absorb poor development. department-specific calls. These if necessary. pany culture.

For appointments please call 978-774-2555 (evening hours available) 147 South Main Street, Middleton, MA 978-774-2555 www.familymedicinemiddleton.com We provide dedicated and focused care to patients of all ages. FINAL-1 Sat, Jan 23, 2021 5:30:32 PM  S10 Getting CREATIVE

• Wednesday, January 27, 2021 27, January • Wednesday, Organizations find ways to keep the arts alive while planning comebacks which drew a flotilla of 70 NORTH OF BOSTON BUSINESS By Terry Date vessels on a journey through TDATE@ NORTHOFBOSTON.COM American art history when it was first held this past August From Cape Ann to Salem in Gloucester Harbor. and Newburyport to Lawrence, “In one of the most highly art, history and performance attended events in the history venues eye better days even as of the Cape Ann Museum, we they stay vigilant and acknowl- celebrated the stories of Fitz edge the grim realities of the Henry Lane, Winslow Homer, lingering COVID-19 health Cecilia Beaux, Edward Hop- crisis. per, Jane Peterson, Milton ALAN JOSLIN/Courtesy photo The state’s cultural non- Avery, Mark Rothko and The Shalin Liu Performance Center in Rockport hopes to bring concerts back to its waterfront stage starting in late summer. profits have lost $484 million more,” Barker says.

North of Boston Media Group • Group Media of Boston North in revenue during the crisis, Learning to adapt Essex Heritage’s hallmark according to the Mass Cultural Trails & Sails series will cel- Council, which promotes cul- Salem’s Peabody Essex ebrate its 20th anniversary this ture statewide by funding local Museum is currently allowing fall. Last year, they adapted the programs. a limited number of visitors to series to include virtual do-it- Council surveys of 898 of its galleries, including exhibits yourself activities and limited these nonprofits found that organized around history, fash- in-person events. 62% of them had to lay off or ion, design and nature. In Lawrence, the local His- furlough workers or cut wages Siddhartha Shah, curator of tory Center will host a Public or hours, affecting 30,616 Mas- the South Asian art exhibit and Safety Symposium on May 1 sachusetts employees. head of the museum’s civic by virtual means. It will look at Still, many venues have kept engagement, has consulted the Immigrant City’s responses the arts alive, presenting virtual with school, health and recre- to crises in the past and more programs; hosting events in the ation leaders and everyday citi- currently during the Merrimack great outdoors; and adapting zens to present a lecture series Valley gas explosions and the to mask, distancing and atten- to help people cope with and pandemic, in an era of extreme dance requirements. understand our troubled times. health disparities based on race This year, the halls and Two of the presentations, at and income. stages and galleries will build 7 p.m. on Jan. 29 by Heather The center is conducting on innovative programming as Goldstone and Feb. 26 by archival research by appoint- they hope for a return to live, Dilshanie Perera, will explore Courtesy photo ment and plans to reopen its unrestricted concerts, shows connections between COVID- The Newburyport Choral Society had to cancel its 2020 performances due to the pandemic but museum when schools return and exhibits once it’s deemed 19, climate change and is planning to present a winter concert this year. to in-person classes, says its safe to do so. inequality. director, Susan Grabski. The Cape Ann Museum in And an exhibit called and relaxation for a more bal- typical year, draws 2.7 million desired to attend while still Setting the stage Gloucester, with its new 4-acre “Breath,” by British painter anced and healthful experience. visitors from 30 countries. keeping those attendees safe and green and Janet & William Sarah Hussain, incorporates “Art viewing and art making Anya Wilczynski, director of distanced,” Wilczynski says. Perhaps no cultural organi- Ellery James Center, has a meditation with art and are important ways to manage operations, says that outdoor She expects that Essex zations have been hit harder full slate of new exhibits and includes a virtual component stress whether in a pandemic or venues succeeded the best at Heritage’s programming will than those that present live programs. Many are prepared built around what nature tells not,” he says. generating revenue in 2020. remain virtual through June, at music and theater, leaving to transition from virtual to us is the optimum breath, 5.5 The nonprofit Essex “Organizations like Historic which point it hopes to resume venues such as the Fire- socially distanced presentations, seconds. National Heritage Commis- Beverly and The Trustees’ in-person public tours to Bak- house Center for the Arts in director Oliver Barker says. Shah, a former yoga teacher, sion, headquartered in Salem, Appleton Farms did a great ers Island Light Station, as well Newburyport and North Shore A summer highlight will is bringing mindfulness to art hosts and promotes cultural job pivoting to continue offer- as walking tours in downtown Music Theatre in Beverly be the CAM Culture Cruise, viewing, pairing the intellect events in a region that, in a ing programming that people Salem. largely silent but hoping to FINAL-1 Sat, Jan 23, 2021 5:30:35 PM S11  The Peabody A helping hand Essex North of Boston Media Group • Museum North of Boston recipients Conservation Center in Immigrant City Archives and in Salem of grant assistance from the Andover: $100,000 Museum: $45,000 reopened Mass Cultural Council’s Cul- ` The House of the Seven ` Feast of the Three Saints in in July tural Organization Economic Gables in Salem: $100,000 Lawrence: $21,000 with new Recovery Program include: ` Newburyport Art Associa- ` Friends of the Museum of guidelines ` The Cabot in Beverly: tion: $88,000 Printing in Haverhill: $22,000 and $100,000 ` History Alive in Salem: ` Proprietors of the Salem restrictions. ` Firehouse Center for the Arts $65,000 Atheneum: $20,000 It continues in Newburyport: $100,000 ` Essex Historical Society & ` Marblehead Little Theatre: to offer ` Gloucester Maritime Heri- Shipbuilding Museum: $11,000 a variety tage Center: $100,000 $52,000 ` Symphony by the Sea in of virtual

` Gloucester Stage Com- ` Methuen Festival of Trees: Beverly: $9,000 programs. NORTH OF BOSTON BUSINESS pany: $100,000 $49,000 ` Terezin: Children of the RYAN MCBRIDE/ ` Northeast Document ` Lawrence History Center’s Holocaust, Amesbury: $1,000 Staff photo entertain again in 2021. Music Festival, to be held over The Newburyport Choral Rockport Music’s Shalin four to five weeks. Society has a team studying

Liu Performance Center has The performance center safety precautions and is hop- • Wednesday, January 27, 2021 been unable to present live has in the past hosted musical ing for a return to rehearsals in organizations say the arts A number of culture-minded in partnership with the Execu- entertainment for 10 months. greats like trumpeter Wynton fall followed by a winter con- generate meaning; intensify organizations large and small tive Office of Housing & Eco- It is planning for a return to in- Marsalis and cellist Yo-Yo Ma. cert, says its president, Mary our sense of place; and pro- have received help from gov- nomic Development, recently person concerts in late summer, Ma recorded a concert for vir- Ann Lachat. mote vibrant experiences ernmental sources, including announced COVID-19 relief says Karen Herlitz, director of tual presentation on the seaside In the meantime, starting for creators, performers and Paycheck Protection Program funding for nonprofits through marketing. performance center’s stage in Feb. 2, the chorus will host audiences. loans, which typically cover the Cultural Organization Eco- Late-summer concerts September. weekly sessions on Zoom for Also, arts and culture con- two to three months of employ- nomic Recovery Program. expected include the Rockport North of Boston choral anyone interested in learning tribute more than $800 billion ees’ salaries. In Massachusetts, 183 cul- Jazz Festival, featuring John groups have been silenced choral and singing techniques annually to the U.S. economy, State-administered grants tural organizations received Pizzarelli and Grace Kelly; when it comes to what many with its “How Can I Keep according to a report by the from federal funding have also nearly $10 million to support the Rockport Celtic Festival, of their members enjoy most From Singing?” music series, Department of Commerce and helped keep some venues and their recovery from losses hosted by Brian O’Donovan; — singing together under the Lachat says. the National Endowment for organizations afloat. sustained by the COVID-19 and the Rockport Chamber same roof. Spokespeople for cultural the Arts. The Mass Cultural Council, pandemic. Joseph Anthony Cardarelli, Jr., D.M.D., P.C. Board Certified Orthodontics and Dentofacial Orthopedics ~ Established 1983 ~ ...Dedicated to the pursuit of excellence

Our award winning practice has been committed to excellence for more than 39 years and continues to deliver a full range of advanced orthodontics for children, adults and adolescents. Certified, American Board of Orthodontics Faculty, Clinical Professor of Orthodontics, Best in Boston Medicine ~ Top Doctors and Dentists Tufts University School of Dental Medicine, Certified Invisalign Specialist ~ Preferred Provider Department of Orthodontics “We encourage you to review our credentials. We will earn your trust.” 234 Summer Street, Haverhill, MA 01830 978-372-4172 www.drcardarelli.com FINAL-1 Sat, Jan 23, 2021 5:30:37 PM  S12 Poised for your arrival By Joann Mackenzie JOMACKENZIE@ Hit hard by COVID-19, the tourism NORTHOFBOSTON.COM industry is eager to welcome back visitors Tourism is essential to the North of Boston economy — accounting for $1.2 billion in revenue and 5,000 jobs in a

• Wednesday, January 27, 2021 27, January • Wednesday, typical year. But 2020 was anything but typical. RYAN MCBRIDE/Staff photo The COVID-19 pandemic Market Square in Newburyport, typically the hub of the city’s essentially brought the tourism downtown, was relatively quiet on an early fall day last year. industry North of Boston to Local businesses are anxious to greet day-trippers again. its knees — with some putting NORTH OF BOSTON BUSINESS the losses for the year at 40% to 45%. “Without a doubt, it’s the hardest-hit” sector of the North Shore economy, says Ann Marie Casey, executive direc- tor of the North of Boston Con- vention and Visitors Bureau. Many pin hopes for a rebound in tourism on how quickly and effectively vaccine distribution can be achieved. JAIME CAMPOS/Staff photo Casey says that 2020 saw PAUL BILODEAU/Staff photo An empty garden is seen this past summer at The House of the

North of Boston Media Group • Group Media of Boston North consumers redirecting expend- Ken Riehl, CEO of the Cape Ann Chamber of Commerce, stands in the main foyer of the Seven Gables in Salem. State requirements forced the site to able funds away from travel, chamber’s new office on Harbor Loop in Gloucester. Riehl says the chamber is looking to move reduce its programming and occupancy significantly last year. dining and entertainment to the forward with Cape Ann’s summer events, including its wildly popular St. Peter’s Fiesta. home improvement arena. People have also used the Gloucester’s boutique beach- The wedding industry North recovery. months of pandemic restric- front Beauport Hotel operated of Boston — which not only “It would be very irrespon- tions that curbed American at 77% capacity throughout the includes hotels and function sible for me as a chamber consumerism to bolster their summer, farther inland, a large venues, but caterers, florists, head to make a prediction,” savings — with some econo- hotel complex catering to busi- bridal salons, limousine ser- she says. “It’s going to take a mists estimating that U.S. ness conventions and corporate vices, hairdressers and a host while. ... There’s just so much households amassed savings of events saw its room occupancy of other services — has been that’s still unknown and chang- more than $3 trillion. plunge to the single digits. particularly hard hit, with ing. But I think it’s a matter of On Wall Street, Goldman Meanwhile, Airbnbs and bookings being pushed as far how quickly the vaccines can Sachs predicts that this could other similar rentals, par- out as 2023. be distributed now that they “fuel a midyear consumer ticularly those along the If current restrictions remain have been approved.” consumption boom, as restored coast, continue to see record in effect, North Shore tourism The second stimulus initia- opportunities allow consumers occupancy, as they guarantee will be slow to recover in 2021 tive also remains a factor. to substantially lower their sav- both isolation and pandemic and onward. While Casey says Whether it can help revive MIKE SPRINGER/Staff photo ing rates and spend accumu- code hygiene, industry fol- tourism is hard to quantify, as Beverly’s economy — which The Beauport Hotel in Gloucester has managed to buck the lated excess savings.” lowers say. As a result, those it encompasses a vast number has seen its arts venues, downward trend experienced by most hotels and lodging sites Casey, who previously guests gave restaurants a of services, providers and jobs, including North Shore Music during the pandemic. Beauport sustained a 77% occupancy served as executive director of much-needed bump as dining a tourist is simply defined Theatre, The Cabot and rate last year, while others across the state report their the Marblehead Chamber of went al fresco throughout the as anyone who travels to the Larcom Theatre, all closed to business is down 73%. Commerce and Beverly Main warm-weather months and into North Shore from a distance of live audiences — remains to Streets, is not sure how tour- the fall. at least 50 miles — whether it be seen. events, including Gloucester’s But, she says, local business ism figures into this “dream Although lodging, which be for a business convention, “I’d put the (job losses) in beloved St. Peter’s Fiesta. “are expecting a rebound to scenario.” accounts for the largest sec- music festival, theater produc- the thousands,” Gould says of And Beth Ferris, executive get through winter, and then a “I think spring will be bet- tor of the tourism industry, is tion, meal or day at the beach. the unemployment figures for director of the Marblehead spring forward, as spring fever ter,” she says, “but these next down 53% in revenues on the Leslie Gould, executive the downtown Beverly sector. Chamber of Commerce, is drives people back out of their few months are going to be North Shore, that figure com- director of the Greater Beverly Cape Ann Chamber of turning her focus to spring with houses.” tough.” pares favorably with Massa- Chamber of Commerce, which Commerce Executive Direc- a hopeful eye. But, Ferris cautions, “There Additionally, the farther you chusetts itself, which has seen includes Beverly, Wenham and tor Ken Riehl, meanwhile, Ferris says a quick survey of are so many variables. Every- get from the coast, the bigger room revenues plummet 73%, Hamilton, counts herself as sees good days ahead, and local retailers and restaurants one thought 2020 was going to the tourism losses, she says. and New York, where room neither an optimist or a pes- says the region is beginning showed a 30% to 40% loss in be the best economy ever, and Case in point: While revenues are down 77%. simist when it comes to a 2021 to make plans for its summer revenues this past summer. look what happened.” S13 North of Boston Media Group • NORTH OF BOSTON BUSINESS • Wednesday, January 27, 2021

Y

A

D

O E

T

G 11, 2021 P - E understands understands

L

r U March 16, 2021 e

L t n N e

O March 4 March C N G g Feb. 2- C E I

n

i P n S i Y

a O r T I O T W s s T from from O N

e

n

i s PSKILL OURSELF U U N s l u E a B D R M i s t ’ E A .

Y M n S U

e H E O NHTI S d

”

N R

C e .

S U s r t l S O c C u ’ s o C C e D r r 1 s c r R 2 @ i e April 7, 2021 0 v - AND day workshop. day TO i April 28, 2021 April 28, 2021 C O - l - M 2

e T “2 C

d G

B or N N I I March 3 March Jan. 20 R O with T P S C H

– N

Sat, Jan 23, 2021 5:30:45 PM 5:30:45 2021 23, Jan Sat,

I day bootcamp” day T

- T TAFF C “1 IME H A T S N N T

FINAL-1

O

t settle for a t settle C enrollment. We offer customized training that can be that can scheduled and targeted for your needs and industry. training enrollment. We customized offer All microcredential courses run at different times throughout the year to allow for individual and group for the individual to year allow times throughout run at courses different All microcredential Don’ the needs of your workforce. Our microcredentials are well planned and executed to give you the best learning the and executed best you planned to are give well workforce. Our microcredentials your the needs of targetedand that training experience S

’ May 26, 2021 May 25, 2021 OUR

T Y April 6-

April 21- I FINAL-1 Sat, Jan 23, 2021 5:30:46 PM  S14 Time to create a statewide system of small business support Beth Francis for Massachusetts’ smallest Lawrence Partnership — was hit by COVID-19 — occupy counterparts. Our small business “Doing this at the state level businesses. sponsored by more than a dozen many of the storefronts. community needs help.” — where we leverage local ESSEX COUNTY COMMUNITY FOUNDATION Nearly 1,900 small businesses organizations, including Essex The coalition has been col- That help is coming in the and regional resources for the participated in the poll, which County Community Founda- laborating on: form of a second round of PPP broader business community Strolling showed that just 1 in 3 were tion, and distributed by a broad `` Developing and deliver- made available starting mid- — could have a major impact down Massa- fully open. Forty-six percent said statewide coalition of business ing a series of small business January – $284 billion in poten- on the renewal of the post- chusetts’ Main they had laid off or furloughed and community groups. workshops and webinars. tially forgivable business loans COVID economy across the Streets now employees, including 77% of “These findings will help `` Facilitating access to – that specifically targets those commonwealth,” Lloyd says. looks very dif- restaurants. And 64% of small inform the way that govern- capital, specifically grants and small and micro businesses. Working together to embrace

• Wednesday, January 27, 2021 27, January • Wednesday, ferent than it businesses reported drops in ment, service providers and low-interest loans. To help small businesses a diverse set of voices and to did a year ago. gross revenue of at least 25% for philanthropy respond to the `` Connecting small busi- access these loans, the statewide seek out data that uncovers Foot traffic is down. Online the first half of 2020. Fifty-five needs of our most vulnerable nesses with high-demand ser- coalition developed the Massa- hidden inequities ensures that a shopping and curbside pickup percent of the smallest busi- businesses,” Betty Francisco of vice providers. chusetts Equitable PPP Access plan to rebuild is fair and equi- have largely replaced local, nesses — those reporting under Amplify Latinx says. `` Ecosystem mapping to Initiative, which can be found at table for all. in-person experiences. And $100,000 in revenue for 2019 — “It’s really great data that will help facilitate referrals and lisc.org/boston/covid-19. “Our collective work in all across the state, small saw declines greater than 50% inform our view both of future continued coalition building. Systems work like this recent months clearly indicates NORTH OF BOSTON BUSINESS businesses that once breathed for the first part of last year. programs, how we prioritize and The survey also revealed that is already happening at the that there is energy, momentum life and vitality into our com- “One of the reasons we keep run the programs we have now the businesses most in need of regional level. In Essex County, and capacity to do this work,” munities — some of them for coming back to size ... is that and how we think about different financial support were the least the small business coalition says Derek Mitchell, executive decades — are shuttering their it also is very closely related to ways to support our companies,” likely to have been boosted by that formed after the 2018 director of the Lawrence Part- storefronts for good. inequities,” says Steve Koczela, Massachusetts Secretary of the first round of the federal Merrimack Valley gas explo- nership. “And certainly, our Because of COVID-19, the president of MassINC Polling Housing and Economic Devel- Payroll Protection Program. sions has expanded its work to small businesses need it now state of many small businesses Group. “If you’re talking about opment Mike Kennealy says. “The smaller the business, the support businesses during the more than ever.” hangs by a thread. A recent the impacts on the smallest busi- This same coalition is also less likely they were to apply,” pandemic. Technical assistance, Beth Francis is president statewide survey conducted by nesses, those are disproportion- collaborating on a plan to says Stratton Lloyd, ECCF’s aiding in the procurement of and CEO of Essex County the MassINC Polling Group ately likely to hit women-owned prevent small businesses from executive vice president and PPP loans and helping secure Community Foundation, an revealed the depth of the chal- businesses and businesses disappearing from our Main chief operating officer. “Of those access to personal protective organization whose mission is lenges small businesses are owned by people of color.” Streets, where restaurants, small businesses that did apply, equipment have been para- to strengthen the communities facing and hints at the trouble The poll — spearheaded beauty and retail establishments fewer of them were approved mount to the survival of small within the county. Visit eccf.org

North of Boston Media Group • Group Media of Boston North that lies ahead — particularly by Amplify Latinx and the — three of the sectors hardest when compared to their larger businesses in our region. for more information.

CARR STAPLES & ACCARDI is a full-service Certified Public Accounting Firm licensed in MA.

Michaud LetInsurance Our Agency Family is a familyProtect owned Your and operatedBusiness business “We offer a broad range of services to help clients that offers a range of insurance services for our clients. secure a sound future.” Servicing Massachusetts & New Hampshire since 1979 • Investment Strategies • Tax Strategies • Business Strategies • Life Events

Licensed in Massachusetts, Maine, and New Hampshire

• Business Liability • Commercial Auto (MA & NH) • Commercial Property • Worker’s Compensation • Professional Liability • Bonds 495 Main Street | Haverhill, MA 01830 (978) 685-2549 • www.michaudinsurance.com 978-372-8910 | www.CarrStaplesAccardi.com S15 North of Boston Media Group • NORTH OF BOSTON BUSINESS • Wednesday, January 27, 2021 Dips | Desserts | Dips Produce Salads | Soups | Quiche | SaladsSoups | Prepared Foods Expanded Produce Department Produce Expanded Available In All Cuts In Available Beer & Wine to Compliment Our Items Food Compliment to www.danversbutchery.com Open 7 days a week a Opendays 7 A Great Selection of Beer Selection of Wine & Great A Seasoned With Montreal Seasoning Montreal With Seasoned New Seasoned Steaks Sat, Jan 23, 2021 5:30:47 PM 5:30:47 2021 23, Jan Sat, Let us cater your next family or company party Let us cater your next family or company FINAL-1 Meats Custom-CutMeats DANVERS: 182 North Street, 978-777-3000 • NEWBURY: 2 Morgan Ave., 978-463-3001 Ave., Morgan 2 NEWBURY: • 978-777-3000 Street, North 182 DANVERS: Full Line of Packaged & Packaged Lineof Full Sirloin Tips | Boneless Chicken Boneless | Tips Sirloin Boneless Pork | Wings & Thighs | Wings Pork Boneless Famous Marinades  North of Boston Media Group • NORTH OF BOSTON BUSINESS • Wednesday, January 27, 2021 S16 OVER 1250 NEW AND PRE-OWNED AND NEW 1250 OVER 112 B EXIT 49 OFF ROUTE 495 495 ROUTE OFF 49 EXIT The DeLuca Family has been serving The DeLucaFamilyhasbeenserving 978.373.7700 CARS AND TRUCKS TO CHOOSE FROM. CHOOSE TO TRUCKS AND CARS the Merrimack Valleythe Merrimack andSouthern ank New Hampshire forover60Years, with excellent service andpricing with excellentservice FINAL-1 R d , H ave RH FAMILY OFDEALERSHIPS ill , M Sat, Jan23,20215:30:51PM a BILLDELUCA.COM 108 B EXIT 49 OFF ROUTE 495 495 ROUTE OFF 49 EXIT 978.373.9500 ank R d , H ave RH ill , M a 339 n EXIT 41 OFF ROUTE 495 41 ROUTE OFF EXIT 978.475.6200 o a . M ndove ain S R , M t . (R a te . 28)