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14<br />
PACC welsomes<br />
Sanctum in Style<br />
PHOTO | SPENSER HASAK<br />
On hand for the PACC ribbon-cutting celebration at Sanctum Style, which took place at<br />
MarketStreet Lynnfield, are, from left, Marissa Szabo, Maria Terris, Jonathan Cincotta,<br />
Wendy Joly, Joe Silva, Beth Amico, owners Ryan McCarthy and Jaime Sloan-McCarthy,<br />
Kristen Faro, Matt Genzale, Kendra Rhodes, Nicole Palladino, and Denise DeSimone.<br />
LYNNFIELD<br />
10 BEECHWOOD RD<br />
$710,000<br />
B: Taylor Vo & Juliette T Vo-Gignac<br />
S: Brian M Gear<br />
1 LOCKSLEY RD<br />
$950,000<br />
B: Jennifer L Blake & Mark A<br />
Continelli-Pasell<br />
S: Benjamin R Watkins & Pamela<br />
L Watkins<br />
PEABODY<br />
6 CRESTWOOD LN<br />
$1,010,000<br />
B: Edward Sullivan & Tracy Sullivan<br />
S: Robert J Bolognese Tr, Tr for<br />
Bolognese FT<br />
6 ESSEX CENTER DR U:209<br />
$208,000<br />
B: Niziak&Noyes LLC<br />
S: Mechelina J Hjorth Tr, Tr for P&M RT<br />
WEEKLYNEWS.NET - 978-532-5880 NOVEMBER 18, 2021<br />
Real Estate Transfers<br />
6 ESSEX CENTER DR U:210<br />
$208,000<br />
B: Niziak&Noyes LLC<br />
S: Mechelina J Hjorth Tr, Tr for P&M RT<br />
28 GLENDALE AVE<br />
$685,000<br />
B: Dominique K Jean & Augustin<br />
Sylvain<br />
S: John P Carpenter & Denise<br />
Carpenter<br />
Time for a check-up?<br />
Jordan Hegedus<br />
Writing this article I recalled the<br />
Red Sox announcer Joe Castiglione<br />
used to say “forget about it” when<br />
a Sox player hit a home run over<br />
the Green Monster. That shouldn’t<br />
be the case when you get a life insurance<br />
policy. You chose a life insurance<br />
policy because it was best<br />
suited for your needs at the time,<br />
but have those needs changed? Is it<br />
time for a check-up?<br />
Why would you need a life insurance<br />
check-up?<br />
Life Changes – Events including<br />
birth of children, grandchildren,<br />
marriage, death, divorce,<br />
lifestyle and work changes may all<br />
impact a family’s financial dependence<br />
on your income or the need<br />
to update beneficiaries.<br />
Underfunded Policies – This<br />
may be the case particularly with<br />
universal life policies where the<br />
credited interest rates are substantially<br />
below original non-guaranteed<br />
illustrations. It also occurs<br />
when insurers run into financial<br />
stability problems. Underfunded<br />
policies may require additional<br />
premiums or longer payment periods<br />
to keep from lapsing.<br />
Level Term Policy Maturing<br />
– Due to life changes, the need<br />
for life insurance may continue<br />
past the level term policy maturity<br />
date. Prior to that time, it may be<br />
13 NELSON RD<br />
$856,000<br />
B: Elisa Qyrasi & Klevis Qyrasi<br />
S: Felizardo Prop 2 LLC<br />
2802 POSTGATE LN U:2802<br />
$505,000<br />
B: Danielle P Decristoforo<br />
S: Shayna L Reeves & Todd Reeves<br />
14 PROCTOR ST<br />
$521,000<br />
B: Jacob Duyon & Kaitlyn Duyon<br />
prudent to replace the policy with<br />
another term policy or a permanent<br />
life insurance (PLI) policy.<br />
New Policy Benefits – Older<br />
policies often include higher insurance<br />
charges because they<br />
were based on shorter life expectances.<br />
So, converting may enable<br />
you to either reduce premiums for<br />
the same level of protection or increase<br />
the death benefit for a similar<br />
premium. Additionally, many<br />
newer PLI policies include living<br />
benefits that can pay for longterm<br />
care, and improved interest<br />
crediting based on stock market<br />
indexes rather than today’s low<br />
interest crediting rates.<br />
Outside Events – Estate and<br />
income tax law changes coupled<br />
with one’s higher income<br />
may make owning permanent<br />
life insurance more financially<br />
appealing and tax efficient than<br />
other financial products. Market<br />
volatility may support using PLI’s<br />
cash value instead of liquidating<br />
investments during down markets.<br />
Is it time for your life insurance<br />
check-up? Before relying on the<br />
points above as they relate to your<br />
circumstances, it is recommended<br />
that you review them with your<br />
tax and legal professionals.<br />
Jordan Hegedus, CLU, ChFC<br />
can be reached at jordan@gotobeaconlife.com<br />
S: Francis A Cunha Tr, Tr for 14 Proctor<br />
St Peabody NT<br />
4 STARK CIR<br />
$750,000<br />
B: Arlindo P Constantino Jr & Melanie<br />
L Constantino<br />
S: Kathleen G Perez & Claire F Suthar<br />
32 SURREY LN<br />
$515,000<br />
B: Ralph Caruso Jr Tr, Tr for R&S RT<br />
S: Linda D Panniello<br />
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INSURE UNIFORM SURFACES<br />
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MISC.<br />
THANK YOU ST. JUDE<br />
May the Sacred Heart of Jesus be<br />
adored, glorified, loved and preserved<br />
throughout the world now and forever.<br />
Sacred Heart of Jesus pray for us.<br />
Saint Jude worker of miracles pray for<br />
us; Saint Jude helper of the hopeless<br />
pray for us. Say this prayer 9 times a<br />
day, by the eighth day your prayers will<br />
be answered. Say it for 9 days, it has<br />
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must be promised. My prayers have<br />
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CUSTOM PAVING<br />
3rd Generation Paving Contractor<br />
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RELOCATING?<br />
MAINTENANCE MECHANIC<br />
Lynnfield Housing Authority has an opening for a full time Maintenance<br />
Person. The Maintenance Mechanic performs duties associated with the<br />
maintenance and repair of public housing units, buildings, and grounds.<br />
Knowledge of applicable building and safety codes, regulations, policies, and<br />
procedures. Skill in use and care of tools, machinery and equipment customarily<br />
used by maintenance personnel. Ability to read and interpret blueprints, drawings,<br />
and specifications. Snow and ice removal with powered equipment and hand tools<br />
as needed. Ability to lift and move appliances or other items over 70 lbs.<br />
repeatedly over a long duration. Ability to bend, stoop, move in constricted areas,<br />
climb a ladder and work in high places. Must possess good visual ability. Must<br />
possess manual dexterity of hands and fingers to perform necessary maintenance<br />
tasks. Applicant must be able to pass a criminal background check, CORI/SORI<br />
review and physical fitness/complete drug screening exam(s) before hire. Perform<br />
other related duties as assigned. Tools provided. High School diploma or<br />
equivalent preferred. 1-2 years' Experience Required. Please submit resume and<br />
cover letter to: Lynnfield Housing Authority, 600 Ross Drive Lynnfield,<br />
Massachusetts 01940, or lfdha.org, or lynfldha@comcast.net. The position<br />
remains open until filled. No Phone calls please. The Lynnfield Housing Authority<br />
is an Equal Opportunity Employer.<br />
WEEKLY NEWS: November 18, 2021<br />
“Helpful tips” for a S-M-O-O-T-H trouble-free move!<br />
Designate a drawer for essentials such as<br />
sheets and towels for quick access the<br />
first night you move into your new home.<br />
Plan a garage/yard sale before you move.<br />
Fresh coffee, baking soda, or charcoal in a<br />
sock, placed inside your refrigerator will<br />
keep the inside smelling fresh and clean.
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