Community News
U.S. Small Business Administration – Economic Injury Disaster Loans
U. S. SMALL BUSINESS ADMINISTRATION
FACT SHEET – ECONOMIC INJURY DISASTER LOANS
MASSACHUSETTS Declaration 14312
(Disaster: MA-00064)
FACT SHEET – ECONOMIC INJURY DISASTER LOANS
MASSACHUSETTS Declaration 14312
(Disaster: MA-00064)
Incident: Record-breaking Snowfall and Extreme Cold Temperatures
Occurring: January 26, 2015 through February 22, 2015
For counties of Middlesex, Norfolk and Plymouth; and the contiguous counties of Barnstable, Bristol, Essex, Suffolk and Worcester in the commonwealth of Massachusetts; Hillsborough in the state of New Hampshire; and Providence in the state of Rhode Island.
Application Filing Deadline: February 15, 2016
Type of Disaster Loan:
-Economic Injury Disaster Loans (EIDLs) – Working capital loans to help small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, non-profit organizations of all sizes meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period.
-EIDL assistance is available only to entities and their owners who cannot provide for their own recovery from non-government sources, as determined by the U.S. Small Business Administration (SBA).
Credit Requirements:
– Credit History – Applicants must have a credit history acceptable to SBA.
-Repayment – Applicants must show the ability to repay the loan.
-Collateral – Collateral is required for all EIDL loans over $25,000. SBA takes real estate as collateral when it is available.SBA will not decline a loan for lack of collateral, but SBA will require the borrower to pledge collateral that is available.
Interest Rates:
– The interest rate is determined by formulas set by law and is fixed for the life of the loan. The maximum interest rate for this program is 4 percent.
Loan Terms:
-The law authorizes loan terms up to a maximum of 30 years. SBA will determine an appropriate installment payment based on the financial condition of each borrower, which in turn will determine the loan term.
Loan Amount Limit:
– Economic Injury Disaster Loans (EIDL) – The law limits EIDLs to $2,000,000 for alleviating economic injury caused by the disaster. The actual amount of each loan is limited to the economic injury determined by SBA, less business interruption insurance and other recoveries up to the administrative lending limit. SBA also considers potential contributions that are available from the business and/or its owner(s) or affiliates. If a business is a major source of employment, SBA has the authority to waive the $2,000,000 statutory limit.
Loan Eligibility Restrictions:
– Noncompliance – Applicants who have not complied with the terms of previous SBA loans are not eligible. This includes borrowers who did not maintain required flood insurance and/or hazard insurance on previous SBA or Federally insured loans.
Refinancing:
-Economic injury disaster loans cannot be used to refinance long term debts.
Insurance Requirements:
– To protect each borrower and the Agency, SBA requires borrowers to obtain and maintain appropriate insurance. Borrowers of all secured loans (over $25,000) must purchase and maintain hazard insurance for the life of the loan on the collateral property. By law, borrowers whose collateral property is located in a special flood hazard area must also purchase and maintain flood insurance for the full insurable value of the property for the life of the loan.
For more information, contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s Web site at www.sba.gov/disaster.
Representative Garlick in The Pollard Express
The Pollard Express, April 2015, Ethan Lee.
From April to June 2015, State Representative Denise Garlick entered various
classrooms of Pollard Middle School and Needham High School. Her lessons on the various parts of being a state representative drew in all attention. Through these class visits and numerous other events and actions, representative Garlick has become a role model for many members of the Needham and Pollard community. However, her journey to this position was anything but easy.
Before her campaign, Garlick’s previous life experiences were key factors in her decision to become a representative. Garlick, a nurse by profession, had noticed that an
indoor air quality problem at her hospital had caused many nurses and other employees to become sick. After being denied help from authority, Garlick became motivated to become an authority figure herself. “I continuously saw issues that were of concern and problems that I wanted to fix,” Garlick said. “And as I worked on those issues…, I learned…the best way that I could help the most people was through elected
office.” Garlick’s campaign to become a representative was personal. She talked to citizens on their doorsteps about issues that were important to them. For months on end, Garlick spoke to each person individually, and discovered many different concerns her town of Needham had. Garlick found solutions for them, including fixing the hospital’s indoor air quality problem, founding the Needham Coalition for Suicide Prevention, and creating other programs that would benefit Needham.
After being elected, Garlick quickly discovered that every day as a State Representative was completely different. “There is no normal daily schedule [for a state representative],” Garlick said. “I attend anything that I’m invited to.” Among the many events Garlick participates in is coming to Pollard Middle School and teaching a 53 minute class 20 times over the school year. In the entire Commonwealth of Massachusetts, no other representative does this. However, it is an extremely important cause for her. “I think coming into the schools is one of the most important things I do, because I’m deeply concerned that young people are
getting such negative messages about public service and about their government,” Garlick said. “I want to be sure that I do everything I can to bring a positive message to the students.” Ever since she was elected, Garlick has consistently visited the schools for five years. Her visits have had an amazingly positive effect on Needham students. Before Garlick was elected, Needham high students had never before
participated in Student Government Day, an event in which Massachusetts students spend a day at the State House. However, following her election, Needham High School has sent students to Student Government Day for the last two years. Pollard students have also become more knowledgeable about their government through her visits. 8th grader Misha Panov learned “that working in the government…is[like] a meeting of people who want to keep their community safe.”
Garlick’s goal for the 8th graders at Pollard is simple. “I want them to feel connected to me as their representative,” Garlick said. “I also want that connection [to come] with that real belief that 8th graders will begin to see public service and government in a positive, affirming light.” Garlick’s ideals for the Pollard students have also carried on to all citizens of Needham. Her works for the highway system,
environmental protection, schools and local aid, and different hospital legislations have made Needham into the town it is today. Thanks to Garlick’s efforts for her district, the Needham community is definitely seeing their government positively.
Rep. Garlick Recognizes Olin Student for Leadership Sexual Assault on College Campuses
MassDOT – Needham-Newton Public Hearing
PUBLIC HEARING NOTICE
A Design Public Hearing will be held by Massachusetts Department of Transportation (Mass DOT) to discuss the proposed Needham – Newton Reconstruction of Highland Ave, Needham St, Winchester St, Charles River Bridge N-04-002 (From Webster St, Needham to Route 9 Newton) project in Needham and Newton, MA.
WHERE: Needham Town Hall
Powers Hall Meeting Room
1471 Highland Avenue
Needham, MA 02492
WHEN: Wednesday, December 3, 2014 @ 7:00pm
PURPOSE: The purpose of this hearing is to provide the public with the opportunity to become fully acquainted with the proposed Needham/Newton Reconstruction of Highland Ave, Needham St, Winchester St, Charles River Bridge N-04-002 (From Webster St, Needham to Route 9 Newton) Project. All views and comments made at the hearing will be reviewed and considered to the maximum extent possible.
PROPOSAL: The proposed project consists of Roadway reconstruction, bridge construction and signal improvements along the corridor to improve safety and operation of the corridor. Sidewalks and Bicycle accommodations consisting of a bicycle lane have been provided in accordance with applicable design guides.)
A secure right-of-way is necessary for this project. Acquisitions in fee and permanent or temporary easements may be required. The Commonwealth of Massachusetts is responsible for acquiring all needed rights in private or public lands. MassDOT’s policy concerning land acquisitions will be discussed at this hearing.
Written views received by MassDOT subsequent to the date of this notice and up to five (5) days prior to the date of the hearing shall be displayed for public inspection and copying at the time and date listed above. Plans will be on display one-half hour before the hearing begins, with an engineer in attendance to answer questions regarding this project. A project handout will be made available on the MassDOT website listed below.
Written statements and other exhibits in place of, or in addition to, oral statements made at the Public Hearing regarding the proposed undertaking are to be submitted to Patricia A. Leavenworth, P.E., Chief Engineer, MassDOT, 10 Park Plaza, Boston, MA 02116, Attention: Tom Currier, P.E., Roadway Project Management, Project File No. 606635. Such submissions will also be accepted at the hearing. Mailed statements and exhibits intended for inclusion in the public hearing transcript must be postmarked within ten (10) business days of this Public Hearing. Project inquiries may be emailed to dot.feedback.highway@state.ma.us
This location is accessible to people with disabilities. MassDOT provides reasonable accommodations and/or language assistance free of charge upon request (including but not limited to interpreters in American Sign Language and languages other than English, open or closed captioning for videos, assistive listening devices and alternate material formats, such as audio tapes, Braille and large print), as available. For accommodation or language assistance, please contact MassDOT’s Chief Diversity and Civil Rights Officer by phone (857-368-8580), fax (857-368-0602), TTD/TTY (857-368-0603) or by email (MassDOT.CivilRights@dot.state.ma.us). Requests should be made as soon as possible prior to the meeting, and for more difficult to arrange services including sign-language, CART or language translation or interpretation, requests should be made at least ten (10) business days before the meeting.
In case of inclement weather, hearing cancellation announcements will be posted on the internet at http://www.massdot.state.ma.us/Highway/
An additional public hearing will be held
Thursday Jan. 8 at 7 p.m. at Countryside School
A Design Public Hearing will be held by Massachusetts Department of Transportation (Mass DOT) to discuss the proposed Needham – Newton Reconstruction of Highland Ave, Needham St, Winchester St, Charles River Bridge N-04-002 (From Webster St, Needham to Route 9 Newton) project in Needham and Newton, MA.
WHERE: Needham Town Hall
Powers Hall Meeting Room
1471 Highland Avenue
Needham, MA 02492
WHEN: Wednesday, December 3, 2014 @ 7:00pm
PURPOSE: The purpose of this hearing is to provide the public with the opportunity to become fully acquainted with the proposed Needham/Newton Reconstruction of Highland Ave, Needham St, Winchester St, Charles River Bridge N-04-002 (From Webster St, Needham to Route 9 Newton) Project. All views and comments made at the hearing will be reviewed and considered to the maximum extent possible.
PROPOSAL: The proposed project consists of Roadway reconstruction, bridge construction and signal improvements along the corridor to improve safety and operation of the corridor. Sidewalks and Bicycle accommodations consisting of a bicycle lane have been provided in accordance with applicable design guides.)
A secure right-of-way is necessary for this project. Acquisitions in fee and permanent or temporary easements may be required. The Commonwealth of Massachusetts is responsible for acquiring all needed rights in private or public lands. MassDOT’s policy concerning land acquisitions will be discussed at this hearing.
Written views received by MassDOT subsequent to the date of this notice and up to five (5) days prior to the date of the hearing shall be displayed for public inspection and copying at the time and date listed above. Plans will be on display one-half hour before the hearing begins, with an engineer in attendance to answer questions regarding this project. A project handout will be made available on the MassDOT website listed below.
Written statements and other exhibits in place of, or in addition to, oral statements made at the Public Hearing regarding the proposed undertaking are to be submitted to Patricia A. Leavenworth, P.E., Chief Engineer, MassDOT, 10 Park Plaza, Boston, MA 02116, Attention: Tom Currier, P.E., Roadway Project Management, Project File No. 606635. Such submissions will also be accepted at the hearing. Mailed statements and exhibits intended for inclusion in the public hearing transcript must be postmarked within ten (10) business days of this Public Hearing. Project inquiries may be emailed to dot.feedback.highway@state.ma.us
This location is accessible to people with disabilities. MassDOT provides reasonable accommodations and/or language assistance free of charge upon request (including but not limited to interpreters in American Sign Language and languages other than English, open or closed captioning for videos, assistive listening devices and alternate material formats, such as audio tapes, Braille and large print), as available. For accommodation or language assistance, please contact MassDOT’s Chief Diversity and Civil Rights Officer by phone (857-368-8580), fax (857-368-0602), TTD/TTY (857-368-0603) or by email (MassDOT.CivilRights@dot.state.ma.us). Requests should be made as soon as possible prior to the meeting, and for more difficult to arrange services including sign-language, CART or language translation or interpretation, requests should be made at least ten (10) business days before the meeting.
In case of inclement weather, hearing cancellation announcements will be posted on the internet at http://www.massdot.state.ma.us/Highway/
An additional public hearing will be held
Thursday Jan. 8 at 7 p.m. at Countryside School
191 Dedham Street, Newton.
Needham Times: Saturday Service Restored to Needham
Read The Needham Times’ article on August 1, 2014 on the MBTA Saturday Service being restored to Needham.
State Rep. Denise Garlick called the service restoration a “tremendous legislative victory for the community.”
“We hear it is hard to stop a train, but let me say, it is a phenomenal achievement to get it started again,” Garlick said in a statement.
