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Everyone Needs Their Own Estate Plan— Even For “Small” Estates x Everyone with assets, regardless of value, needs an estate plan that goes beyond a simple will in order to minimize court expense and the delay in settling their estate.
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Your estate planning needs may include: x Providing for minor children but distributing assets to them at various stages of life. x Transitioning a business upon death or disability. x Providing for management of assets for children or other family members with special needs. x Elder law planning for an ill or elder spouse. x Minimizing Massachusetts and Federal estate taxes.
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24 Lyman Street, Suite 130 • Westborough, MA 01581
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WISDOM TEETH REMOVAL
A wisdom tooth or third molar can become trapped under the gums and become infected or damage the other teeth. We have performed thousands of wisdom tooth extractions. It takes less than an hour and can be done right in our offices. Before removing a wisdom tooth, we’ll evaluate them and answer all of your questions.
Dental implants are the most innovative area in dentistry today. Spaces from missing teeth can be fixed using dental implants - titanium “anchors” that e are used to substitute tooth roots to support a dental crown or bridge. With implants, you can talk, eat and laugh like you did with your natural teeth.” a k, "
172 Main St., Northborough, MA 01532
508-393-1223 113 Water Street, Milford, MA 01757
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Now Enrolling for 2013 Nursery School 2.9-5 yrs. Private Kindergarten Miss Tanya’s… Westborough
Woodland School Inc. 7 Washington Street 508-366-5700 Longmeadow School Inc. 25 Longmeadow Road 508-366-7907 Nursery School Inc. 64 West Main Street 508-366-0304 NAEYC Accredited
Richly Assembled Exhibit Imaging the Invisible: Angels, Demons Prayer & Wisdom
This stunning exhibition incorporates 60 icons and artifacts from the Museum of Russian Icons collection that depict uncanny, ethereal subjects and concepts. The exhibition includes a mix of new acquisitions and art previously not exhibited. Donâ€™t miss it!
203 Union Street . Clinton . Massachusetts 978.598.5000 www.museumofrussianicons.org
NORTHBORO OIL CO. A FULL SERVICE FUEL OIL COMPANY Heating System Upgrades • Automatic Oil Delivery 24 Hr. Emergency Service • Diesel Fuel Convenient Payment Plans • Air Conditioning Family Owned & Operated for Over 60 Years 247 West Main Street • Northborough
508-393-6200 • www.northborooil.com
PET PAWTICULARS By Sandie Wheeler
February is Pet Dental Month Focus on Oral Health for General Wellness. Oral hygiene is an often overlooked area of canine and feline health, but it is one of the most important areas to pay attention to for your pet’s overall health. Begin a healthier life for your pet by recognizing the signs of oral and dental disease: Perhaps your pet has chronic bad breath or teeth that are discolored or covered in tartar; perhaps you notice drooling or bleeding from the mouth or your pet shies away from you when you touch the mouth area. These are surefire, everyday signs of poor dental health. In extreme cases, you may notice loss of appetite or loss of weight due to pain or infection. Tartar build up can also attack the tooth root, causing tooth abscess and germs gaining access to your pet’s bloodstream, spreading infection to the organs.
Where Pets Are People, Too!
#1 Health Food Store for Pets Prevention of the most common oral diseases in pets (like people) consists of frequent removal of the plaque and tartar that forms on teeth that are not kept clean. Dental tartar contains bacteria that can threaten your pet’s health. If you think your pet needs dental care, your Veterinarian can help with an oral examination. At home dental care should include brushing the teeth with fresh tasting toothpaste designed for your pet. There are a variety of natural products on the market specifically formulated to eliminate plaque, remove tartar, assist with bad breath and support healthy gums. Never underestimate the value in keeping your pet’s teeth clean; maintaining your pet’s dental health is a very important part of overall pet wellness. The staff at Pets Gone Healthy offers guidance and can assist in making the right product choices for your pet’s needs. Stop by 505 Boston Post Road West in Marlborough or call us at 508-485-3881.
505 Boston Post Rd. West • Rt. 20 • Marlboro/Northboro Line
508-485-3881 • www.petsgonehealthy.com Hours: TU / WED / FRI 10am - 6pm • THUR 10-8 / SAT 9am - 4pm • Closed SUN & MON
We Create Great Smiles Family, Cosmetic, & Implant Dentistry Todd A. Pizzi, D.D.S.
Now offering the Show off your smile.
New Patient Special – Free custom whitening trays and bleach Luciana Petto Messina, D.D.S.
with new patient exam. Exam must include dental cleaning and necessary x-rays. This assumes there are no present contraindications to teeth whitening. A $350 Value!
508-842-8838 • www.ShrewsburyDentist.com • facebook.com/shrewsburydentist 307 Grafton Street • Ste. 203 • Shrewsbury (At the corner of Route 140 and Route 9)
Let the professionals at Porro’s show you how to create that totally coordinated look. Step by step we will help you with custom window treatments and wallcoverings, fabrics and accessories that work for you and your budget. We work crea vely within your lifestyle, whether it is for one room or an en re home. Call us now for an in-home complimentary consulta on. We will bring the samples right to your home or oﬃce.
Oﬀer expires 2/28/13. Cannot be used with any other oﬀer.
Courtesy of Duralee
Custom Window Treatments • Reupholstering • Wall Coverings • Decorator Fabrics Blinds • Shades • Shu ers • Accessories • Carpe ng • Residen al & Commercial Interior Design Over 50 years in business ● 1098 Pleasant Street ● Worcester ● 508.754.7692 ● porroscustominteriors.com
Personalized Design & Architectural Services Fine Tile - Stone - Ceramic - Marble - Glass Interior Design & Professional Installation COLONIAL PLAZA 45 East Main Street Westborough, MA 01581
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Tuesday & Wednesday: 10am ~ 5pm Thursday: 10am ~ 7pm Friday: 10am ~ 4pm Saturday: 10am ~ 2pm Other times available byy app ppointment appointment
on the Move
A WELCOME CHANGE Any visitation from family or friends brings homebound or institutionalized individuals a welcomed chance to break with routine. With this in mind, plans should be made to make visits as pleasurable as possible. If available, it’s often a good idea to bring along photographs that help the older person keep in touch with those who are important to him or her. If conversation with an older person is difÀcult, it may help to read letters aloud. Reading from a book may also provide structure and substance to shared time. When suitable, playing board games or cards are also good pastimes. It should be remembered that a touch, a kiss, or a helpful act, such as brushing hair, are much appreciated. At NOTRE DAME LONG TERM CARE CENTER, we welcome visitors. We treat our seniors like family members, and we provide sitting areas where seniors and their families can gather. Learn more about us by contacting us today at (508) 852-3011. You are invited to tour our unique senior community, conveniently located at 559 Plantation Street. We look forward to meeting you! P.S. Consistent, short, frequent visits to loved ones of limited ambulatory ability are preferable to overly long, occasional ones.
No Worries Pricing Our doors are always open!
The Christopher Heights Difference!
CALL AND LET US HELP YOU
508-281-8001 Visit our website at…
A full-service law firm including individual client services
Seniors Helping Seniors®
eniors Helping Seniors® provides non-medical, in-home care to local seniors provided by other local seniors. It is a simple, but unique business model - active seniors, who are retired or semi-retired, provide help to other seniors who need a little help to remain as independent as possible. We see this as a win-win situation both for the care giver and the one who receives care. We know important it is for everyone, at any age, to have something meaningful and important to do. We also know that providing care also has a positive eﬀect on the mental and physical well being of the caregiver. Our senior caregivers are all employees who work very ﬂexible, part-time schedules, are insured and have been CORI background checked. The value to the one receiving the care is that they are spending time with someone who has a similar history and who can also understand what they are
going through now. We say it is a way to give and to receive. We provide a full range of services from companionship, transportation, cooking, light housekeeping and overnight stays to light home maintenance and yard work throughout the Metrowest area. Seniors Helping Seniors® is owned and operated by Doug and Deb Peck. Both grew up in Ashland and have lived in Southborough for 34 years. They have a strong personal commitment to the area and to helping seniors. Doug is a Certiﬁed Senior Advisor and can provide guidance and counseling to the family’s facing, or involved in caregiving decisions. All of our seniors are employees who are fully screened, insured and CORI background checked. Most of them also are life-long residents of this area, have the heart of a volunteer and doing this because they truly want to give back to the community.
Home Care by Seniors for Seniors
On 50 beautiful acres in Worcester and
West Boylston W
www.mirickoconnell.com Business Creditors’ Rights, Bankruptcy & Reorganization Elder Law Family Law and Divorce Intellectual Property Labor, Employment and Employee Benefits Land Use and Environmental Law Litigation Personal Injury Public and Municipal Law Trusts and Estates
State of the Art Healthcare Environment Ȉ ȈȀȀ Ǣ Ȉ Ȉ We • Long-term and short term care offer: • Ancillary Services: dental, eye, podiatry provided at the nursing center
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ASSISTED LIVING RESIDENCES
Five Lyman Street Westborough
Healthy Senior Living at its BEST! Call us today, it’s like getting a little help from your friends®
And take a virtual tour of our neighborhood
99 Pleasant Street Marlborough, MA 01752
Call Carol King at… 508-852-2670 www.briarwoodretirement.com
or firstname.lastname@example.org www.seniorshelpingseniors.com/metrowest
If you are interested in becoming a service provider we would like to hear from you too.
Contact us at 508-485-1765 ©2011 Seniors Helping Seniors. Each ofﬁce is independently owned and operated. All trademarks are registered trademarks of Corporate Mutual Resources Inc. Not all services are available in all areas.
NATICK • NORTHBOROUGH NORTHBRIDGE • WESTBOROUGH
Where Caring Makes a Difference
This state-of-the-art facility offers 22 Assisted Living Residences designed for individuals with memory loss. Also on site is a 45 bed skilled nursing facility offering long and short term care.
on the h
• 24 Hour Staf¿ng • No Entrance Fees • Rehab Services • Medical and Emergency Response • Escorted Transportation • Recreational Events • Gracious Dining
FOR ADVERTISING INFORMATION
…contact Diane Sabatini, your Community Advocate representative
508.366.5500 ext. 12
WORCESTER | WESTBOROUGH | BOSTON
There’s a huge difference in the kind of home care you can receive from someone who really understands what your life is like as a senior. Your concerns and need for independence. Someone who like you, has a little living under his or her belt. Our caring, compassionate seniors are there to help.We offer the services you need to stay in your own home, living independently. Companion Care Housekeeping Services Meal preparation/cooking Transportation and more!
Cottages ~ Apartments Assisted Living Services Available
OLEMAN HOUS AN ASSISTED LIVING & SENIOR CARE RESIDENCE
112 West Main Street • Northborough, MA
Go to www.medicare.gov and see how we rate in terms of quality.
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10 Main Street Northborough
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*Annual Percentage Rate is accurate as of 1/18/13 and is available on 2010 - 2013 model year vehicles only. Interest rate may vary depending on each individual’s credit history, underwriting factors, and the repayment term selected. The stated rate includes a 0.50% AutoPay discount that applies when loan payments are automatically deducted from a St. Mary’s Credit Union account. Rates and terms may change any time without notice. Membership required.
you and me…
77 Main Street, Hopkinton, MA 01748 • 508.435.4444
Saturday, March 2 and Sunday, March 3 11 French Drive Boylston, Ma 508-869-6111 towerhillbg.org Admission:
$12 Adults | $9 Seniors $7 Youth 6-18 Members, Children under 6 FREE
9:00am - 5:00pm
184th Annual Camellia Show at Tower Hill Botanic Garden. See hundreds of blooming Camellia flowers amidst the subtropical greenery of Tower Hill’s indoor spaces. Participate in guided tours of the show, and purchase Camellia plants to start your own collection. Deduct the price of admission from your membership when you join on the day or your visit.
Agency: Davis Advertising Client: Tower Hill Botanic Garden W.S.# THB18485 File Name: THB18485_CamelliaShow Program: indd Location: Art Dept>Clients Artist: Ki AE/AC: BB/AS
Media: Community Ad Size: 3.9” x 3.125” Color: BW Bleed: No Friday 10/26/12 Date: Photo: from client Other:
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Spring has arrived at the
Wow! Come view the hottest new spring designer outfits & colors sure to wash the winter blues away Mention promo code: Hot
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The Treasure Chest also has new and exciting gifts sure to please, fun and lovely items for you and great gifts for all occasions.
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Mention promo code: Wrap It Up and receive 10% oﬀ your entire purchase
Please remember The Treasure Chest provides free gift wrapping and will also manage shipping for you! Visit our new location… Kendall Square, 269 West Main St. NORTHBOROUGH
Store Hours: Mon - Fri 10:30 - 6 • Sat 10- 5
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The UMass Memorial Health Care Heart & Vascular Center of Excellence is a national leader in quality and patient safety. Appointments available within 48 hours. Request an appointment online today or call 888-338-6277.
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Now open at 6 Church Street in Northborough
Stop by for your chance to WIN! <ou’OO OiNe Fridays in February Maureen Murray Personal Banker Northborough
You could win $100 in our Prize Giveaway* We’re giving away a $100 Visa® Gift Card every Friday in February at our new Northborough branFh. -ust Fome in and ¿OO out an entry form ² you FouOd be our OuFNy winner this weeN
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MICHAEL J. CANFIELD Investment Executive
• Investments* • Retirement Planning • Estate Planning • Education Planning • Business Planning • Long Term Care
Complimentary Financial Evaluation For more information or appointment, contact Michael Canfield at…
508-842-7400 or 1-800-527-1017 ext 560
The Investment Center is located at Central One Federal Credit Union,
714 Main St., Shrewsbury *Securities Offered Through Commonwealth Financial Network. Member FINRA/SIPC. Securities are not NCUA insured deposits, are not obligations of or guaranteed by Central One Federal CU and are subject to risk, including the possible loss of principal.
GET CONNECTED GET FIT GET INVOLVED! Hank Certainly Has! Hank has been an active member for many years. When he isn’t exercising at the Y or out golfing, he volunteers his time to raise funds for our annual campaign. In fact, he’s been our Volunteer of the Year— TWICE! Join Hank at the Y and Get Connected, Get Fit and Get Involved! Bring this in for a one week guest pass. Please call for details. BOROUGHS FAMILY BRANCH YMCA • 4 Valente Drive • Westborough, MA (508) 870-1320 • www.ymcaofcm.org FINANCIAL ASSISTANCE IS AVAILABLE THROUGH OUR Y ACCESS PROGRAM
12 year soft ast y!
278 Mai nSt . / Rt .20 â€“Nor t hbor ough Or derat508393771 4 |Onl i ne atYoongTong. com