Your Local News, Sports and Information Online. Scan & Subscribe! Vol. 35, No. 3 -FREEwww.advocatenews.net Published Every Friday Malden keeps Rev. Dr. King’s dream alive on his birthday L 617-387-2200 Friday, January 21, 2026 Malden City Council votes down bid for $36 million debt exclusion ballot question Majority of Councillors say planned Proposition 2 1/2 override ballot question should stand alone By Steve Freker The 97th birthday of the Rev. Dr. Martin Luther King, Jr., and the 40th annual observance of MLK, Jr. Day was celebrated with “The Urgency of Now: Keeping the Dream Alive” at Emmanuel Baptist Church on Sunday. Pictured front row, from left to right, are: Eric Henry, former city councillor Neal Anderson, DEI Director Kashawna Harling, Councillor-At-Large Karen Colón-Hayes, Kristy Magras, Ward 3 Councillor Amanda Linehan, Councillor-At-Large Michelle Bucci Luong, and Ralph Long. Back row, shown from left to right, are: Jillian Harvey, Mayor Gary Christenson, Rev. Wayne Gadie, Council President/Ward 6 City Councillor Stephen Winslow, and Councillor-At-Large Carey McDonald.See page 9 for photo highlights.(Advocate photo by Tara Vocino) eave it to Ward 7 Councillor Chris Simonelli to show out a hidden talent during a Malden City Council meeting: “Art critic.” During a discussion of a proposed addition of a third ballot question to a planned Proposition 2 1/2 special election on Tuesday, March 31, Simonelli said it might be too much to ask of the voters, who were already looking at two. On March 31, Malden voters will be deciding on either a $5.4 million override DEBT | SEE PAGE 6 Chris Simonelli Ward 7 Councillor As He Retires, Malden VSO Kevin Jarvis Leaves a Lasting Legacy of Honor and Service By Tara Vocino A fter 15 years of dedicated service, Malden VeterU.S. Marine Corps General Joseph Dunford, Commandant of the U.S. Marine Corps from Mass., and Malden VSO Kevin Jarvis on the island of Guam in February 2015. Dunford and Jarvis are linked through their involvement with the Iwo Jima Association of America and events commemorating the Battle of Iwo Jima, some of which involved travel to Guam. (Courtesy photo, Kevin Jarvis) ans’ Services Officer Kevin Jarvis is retiring, leaving behind a legacy defined by advocacy, remembrance and deep respect for those who served. Jarvis’ final day with the City of Malden is Jan. 29. While he said he will miss helping veterans most, he expressed confidence that the Executive Office of Veterans Services in Boston will ensure a smooth transition by training and certifying Malden’s next Veterans’ Services Officer. As Malden’s Director of Veterans’ Services, Jarvis has worked closely with the Massachusetts Executive Office of Veterans Services and the U.S. Department of Veterans Affairs, serving as a tireless advocate for veterans and their families. His office has guided clients through state and federal benefits, provided financial assistance to veterans and surviving spouses in need and helped secure disability compensation, pensions, medical care, education benefits, home loans and burial assistance. Jarvis also played a central role in coordinating the city’s Veterans Day, Memorial Day and Flag Day observances. Each Memorial Day, his office — joined by volunteers and students — placed more than 10,000 flags on veterans’ graves throughout Malden cemeteries. He additionally oversaw the dedication of streets, squares and parks named in honor of Malden veterans, many of whom made the ultimate sacrifice. Among his proudest accomplishments, Jarvis said, is Malden’s collective commitment to honoring veterans. “I know of no other city or town in Massachusetts that has done more to honor and remember its veterans than the city of Malden,” Jarvis said, quoting remarks made by Brig. Gen. Leonid Kondratiuk LEGACY | SEE PAGE 5
Page 2 THE MALDEN ADVOCATE–Friday, January 21, 2026 Kilbride Memorial Bench Unveiling R Valentine's Special SAVE OVER $100!!! Buy three colors or highlights and get the 4th FREE! Includes cut and blow dry Located inside of Clickers Hair Salon 960 Broadway, Revere ACCEPTING NEW CLIENTS! CALL 857-310-7872 Payments accepted: card, cash, venmo Offer expires to Jan. 14, 2026 Over 30 years experience Gerry D’Ambrosio Attorney-at-Law Is Your Estate in Order? Do you have an update Will, Health Care Proxy or Power of Attorney? If Not, Please Call for a Free Consultation. 14 Proctor Avenue, Revere (781) 284-5657 Real estate developer Cummings invites staff to guide its holiday giving Special to The Advocate L ocal nonprofits are celebrating the season with a combined $520,000 in funding through Cummings Community Giving. This annual program allows employees of Woburn-based real estate developer Cummings Properties to each direct up to $2,000 from the company to a nonprofit of their choice, with Malden organizations receiving a combined $11,000. Now in its 14th year, the initiative is designed to support the communities where Cummings team members live and work. More than 240 organizations across approximately 80 local cities and towns will benefit from this cycle of Cummings Community Giving. “This program is meaningful for so many of our team members,” said President Eric Anderson. “It puts philanthropy directly in their hands, allowing them to further support the causes that matter most to them.” Anderson noted that 100 percent of all rental profits at Cummings go to nonprofits. “The work our staff does every day to ecently, the family of Kevin Kilbride gathered at Trafton Park in Malden’s Maplewood area to mark the one year anniversary of his untimely passing with the unveiling of a memorial bench in his honor. Kevin, a beloved educator, retired at the end of the school year in 2024 after working in the Malden School system for over 30 years as an educator and later as an administrator. The family chose Trafton Park because of the many years Kevin spent at his neighborhood park. Kevin would say he could hear his mother calling him home from the back porch on Webber Street. Pictured behind the bench are Kevin’s son Eamon, wife Maura, daughter Maeve and son Conor. keep our buildings full helps to support hundreds of local nonprofits,” said Anderson. “They all have a role in our organization’s success, and we want them to have a role in its giving as well.” Each eligible nonprofit may receive up to $6,000 per cycle. Through this year’s cycle, five Malden organizations received donations: Bread of Life: 1,000. Immaculate Conception Parish: 2,000. MLF Forever19, Inc: 2,000. Mystic Valley Elder Services Inc.: 4,000. New Funsoccer Inc.: 2,000. More information about Cummings Community Giving is available at www.cummings. com/ccg. Beacon Hill Roll Call By Bob Katzen THE HOUSE AND SENATE: Beacon Hill Roll Call records local senators' votes on roll calls from the week of January 1216. There were no roll calls in the House last week. OFFER TAX CREDIT TO COVER LARGE PROPERTY TAX INCREASES (S 2899) Senate 37-1, approved and sent to the House a bill that supporters said would give cities and towns the ability to shield their most vulnerable taxpayBHRC | SEE PAGE 8
THE MALDEN ADVOCATE–Friday, January 21, 2026 Page 3 CITY COUNCIL: Councillors approve $1.5 million HUD loan application to help fund new Boathouse on Malden River Unanimous vote okays application for 15-year federal loan to pay for $4.1 million to build boathouse, salt shed in Phase Two of Malden River Works project By Steve Freker T he Malden River Works Project has been underway for the past five years, and the project will potentially receive another financial boost, following a vote of the Malden City Council. At its last meeting, Councillors voted unanimously to authorize the City of Malden to apply for a federal Section 108 loan in the amount of $1.5 milIf the loan request to the federal Dept. of Housing and Urban Development (HUD) is ultimately approved, then it would be applied to Phase Two of the Malden River Works Project. In Phase Two, at a total cost of $4.1 million, included would be the construction of a new boathouse on the Malden River as well as a new salt shed for use by the Malden Department of Public Works (DPW), which is situated on the main was $12.38 million, though that number has risen since the project’s inception in the fall of 2019. Since the very first public meeting, in October 2019, the project has received over $12 million in nine grants, awards and prizes, along with designated city and state funding from various sources. As of September 2025, approximately $3 million has been spent on the project. Funding for Phase Two of the project — which includes the new boathouse and salt shed — is not yet in place, the City Council was informed by the Mayor’s letter. In addition to the requested $1.5 million HUD loan, the city is “pursuing other funding sources,” the Mayor stated. “The construction [of the boathouse and salt shed] will cost an estimated $4.1M. We are planning for an estimated $1.1M of the existing grant funding to go towards this phase,” Mayor Christenson stated in his letter to RIVER | SEE PAGE 6 If We Happen To Meet By Accident ... You’ll Be Glad You Found Us! There is a difference between the rest and the BEST! The $12.7 million-plus Malden River Works project got a potential boost when the Malden City Council approved an application for a new $1.5 million Section 108 HUD Loan. (Courtesy/City of Malden) lion. Voting in favor of authorizing the city to apply for the loan were Councillors Peg Crowe (Ward 1), Paul Condon (Ward 2), Ryan O’Malley (Ward 4), Ari Taylor (Ward 5), Stephen Winslow (Ward 6), Chris Simonelli (Ward 7), Jadeane Sica (Ward 8), Karen Colón Hayes (at Large), Michelle Luong (at Large), Carey McDonald (at Large) and Council President Amanda Linehan (Ward 4). None were opposed. site. The boathouse would be used to provide Malden River access to the Malden High School Crew Team, among others. The salt shed would replace what is now just an open sand/salt pile in the back of the DPW yard. According to a letter delivered to the City Council from Mayor Gary Christenson, the $1.5 million HUD loan amount would be vital to the completion of the overall project, whose initial cost PLEASANT ST. TAX 175 Pleasant Street, Malden Specializing in Personal Income Tax Preparation Starting at $90. Call: (781) 324-6195 Celebrating 46 Years In Business! TONY’S AUTO BODY Call or Visit 781-321-0032 34 Sharon Street Malden, MA 02148 TONYSAUTOBODYLLC.COM COME VISIT OUR STATE OF THE ART BODY SHOP • Computerized Paint Matching (State of the Art Spray Booth) • Computerized Frame Machines • P.P.G. Refinishing System • R134 + 1234yf A/C Machines Fully Insured -RS2415 Insurance Company Approval ALL OUR WORK IS GUARANTEED! TONY BARTOLO Owner 46 Years Let Us Handle Your Next Insurance Claim. Go With the BEST It Doesn’t Get BETTER! RENTAL CARS Available
Page 4 THE MALDEN ADVOCATE–Friday, January 21, 2026 Malden Reads announces kickoff event featuring ‘Our Missing Hearts’ by Celeste Ng Free community celebration on Feb. 9 for all ages M alden Reads invites residents of all ages to kick off its 2026 community reading program with a free celebration on Monday, February 9, 2026, from 6:30 to 8:30 p.m. at the Malden Public Library (36 Salem St.). This year’s book selection, “Our Missing Hearts,” by bestselling author Celeste Ng, explores themes of love, resistance and belonging. The kickoff event will bring together literature, history, art and conversation through interactive activities and experiences for all ages. No need to read the book in advance—everyone is welcome. Following are highlights of the event: ● Musical Performance: The band Tale Spin, fronted by chef and musician David Stein and his wife Sue, will perform acoustic protest music of the last century, including a community singalong. David and Sue have deep connections to Malden as former residents, and David is a former Malden Reads committee member who created memorable programs, including a pop-up restaurant and music club event featuring his band Soulshine. ● Yarn as Protest Art: Exploration of how fiber arts can be used as tools for peaceful protest and self-expression. ● Art Exhibition: View prints by Corita Kent (also known as Sister Mary Corita), the artist best known for her art on the Boston Gas tanks along Route 93 southbound in the 1970s as well as the Love stamp in the 1980s. Corita’s work and her messages of peace and social justice reflect her understanding of the power of language, just like in “Our Missing Hearts,” and continue to resonate today. ● Revolutionary Photo Stations: Step back in time with colonial costume photo opportunities and a model of a Boston Tea Party ship where participants can toss tea bales overboard, celebrating the 250th anniversary of the American Revolution and Malden’s role as the first town to declare independence. ● Video Screenings: Short videos by Malden Revolution’s Mark Linehan showcasing Malden’s revolutionary history and drawing connections between past and present acts of civic engagement. ● Arts & Crafts for All Ages: Led Established 1978 Mid-grade Regular 2.64 3.24 3.35 $3.37 Full Service ULS $3.259 Order online at angelosoil.com Kerosene Now Available! by Malden High’s Love 4 Kids club, offering creative projects that encourage connection and creativity. ● Heart-Shaped Cookie Decorating: A fun and delicious handson activity for participants of all ages. ● Refreshments: Food and drink will be available throughout the evening. ● Books Available: Attendees can borrow “Our Missing Hearts” Participants at a prior Malden Reads event from the library circulation desk with their Malden Public Library card. Volunteer support for the evening will be provided by the Malden High YMCA Leaders. About the 2026 Malden Reads program: Now in its 16th year, Malden Reads will explore themes from “Our Missing Hearts” related to civic ideals, revolution (including one’s own personal revolution), resistance and courage. The program purposefully coincides with the 250th anniversary of the American Revolution and will highlight Malden’s unique role as the first town to declare independence from Britain in 1775. Age-appropriate companion books for younger readers and English learners will be announced soon and will be available to borrow from the Malden Public Library and donated to the Malden Public Schools and community organizations. The Malden Reads event season is planned to run into spring to provide opportunities for conversation and connection during the cold months and will include book discussions, film screenings and other special programs. The event schedule will be added as details become available. This program is funded in part by a grant from the Malden Cultural Council, a local agency that is supported by the Mass Cultural Council, a state agency.Volunteers are always welcome. For more information or to get involved, email maldenreads@gmail.com, visit www.maldenreads.org and follow along on social media. EVERETT ALUMINUM SUPPLIES 67 Years! — Vinyl Siding — Carpentry Work — Decks — Roofing — Free Estimates — Replacement Windows — Fully Licensed — Fully Insured FLEET CARD Check Out Our LOW PRICES!
THE MALDEN ADVOCATE–Friday, January 21, 2026 Page 5 LEGACY | FROM PAGE 1 (Ret.) at a past ceremony. He also praised the volunteers who return year after year to help place flags on veterans’ graves. During his tenure, the city dedicated six life-size bronze statues honoring combat veterans from the Civil War through the post-9/11 wars in Iraq and Afghanistan. Jarvis will remain involved in one final project: assisting with the design and dedication of a Revolutionary War soldier statue, planned for July 4, 2026, in recognition of the nation’s 250th anniversary. Mayor Gary Christenson thanked Jarvis for creating a legacy that will endure. “Through the installation of veteran statues, the dedication of memorial squares, and his unwavering support for those who have served, Kevin Jarvis ensured that Malden remains committed to remembering our nation’s heroes,” Christenson said. Veterans’ Services Clerk Martha Ferratusco echoed those sentiments, noting that Jarvis brought extraordinary historical knowledge and dedication to his role. She highlighted major projects, such as bringing the Vietnam Veterans Moving Wall to Malden in 2013 and overseeing the placement of six combat veteran statues throughout the city, including one honoring a female service He enlisted in the Marine Corps that same year and later received a certificate of commendation for saving a doctor’s life in Africa in 1997. In retirement, Jarvis plans to spend time gardening, working in his yard and possibly traveling. One trip on his wish list is a Viking River cruise in Europe — though he joked he has had enough time at sea after weeks aboard Navy ships in the Pacific. Though he is stepping away from his official role, Jarvis’ influence will remain visible throughout Malden — in its monuments, memorials and, most importantly, in the lives of the veterans he served. 8 Norwood St. Everett (617) 387-9810 Retiring Veterans’ Services Officer Kevin Jarvis — shown with Mayor Gary Christenson — dedicated Malden’s Operation Iraqi Freedom statue. (Courtesy photos, Jose Fuentes) member from the Persian Gulf War — among the first of its kind in the region. “Kevin’s impact goes far beyond monuments,” Ferratusco said, recalling how Jarvis personally ensured that an ill veteran received proper nursing care and that his affairs were responsibly managed. “His dedication to veterans is both professional and deeply personal.” That personal connection is rooted in Jarvis’ own service and family history. A U.S. Marine Corps veteran, Jarvis served five years in the Marines and later spent 30 years in federal law enforcement. He earned a bachelor’s degree from Florida AtlanALL DEPOSITS ARE INSURED IN FULL. Celebrate 135 years of strength & commitment to our community with a special 135-day CD offer. LIMITED-TIME OFFER: 4.00% APY* 135-Day CD *New money only. $250,000 maximum deposit. Annual Percentage Yield (APY) is accurate of the date posted and is subject to change without notice. APY assumes the interest remains on deposit until maturity. A penalty may be imposed for early withdrawal. Offer may be withdrawn at any time. A minimum of $500 is required to open a Certificate of Deposit and earn the advertised APY. 419 BROADWAY EVERETT, MA 02149 771 SALEM ST. LYNNFIELD, MA 01940 331 MONTVALE AVE. WOBURN, MA 01801 EVERETTBANK.COM 617-387-1110 781-776-4444 781-281-9092 MEMBER FDIC | MEMBER DIF tic University and an associate degree from Bunker Hill Community College. Since becoming Malden’s VSO in 2010, one of the veterans who most influenced him was World War II veteran William Dempsey. “It was such an honor to share his stories and help preserve his legacy,” Jarvis said. He also reflected on his own family members who served in World War II, including his father, uncle and two uncles who fought in Europe and the Pacific. Born and raised in Malden, Jarvis graduated from Malden High School in 1974 and began working for the city as a student employee while still in school. Open Tues. - Sat. at 4:00 PM Closed Sun. & Mon. Announcing our Classic Specials Dine In Only: * FREE Salad with purchase of Entree, Tuesdays & Wednesdays * Cheese Pizza - Only $10 Catch ALL The Live Sports Action On Our Large Screen TV’s Scan & Follow Us on Facebook! www.810bargrille.com
Page 6 RIVER | FROM PAGE 3 the Council requesting approval for the new Section 108 HUD loan. “We are also pursuing other funding sources, including Bayrd Foundation funding and a grant through the State’s Office of Coastal Zone Management, though neither of these funding are confirmed as of now.” The Mayor praised the value of the Malden River Works Project overall, and the proposed new boathouse specifically, in his letter. “As you know, the Malden River Works project will be impactful on multiple levels. It not only creates access to one of Malden’s greatest natural resources, but it also addresses critical flooding issues and needed improvements to the DPW yard,” Mayor Christenson stated. He added, “Boathouse construction is particularly necessary to support Malden High School’s popular rowing team, and salt shed construction is necessary to prevent winter rock salt runoff into the Malden River. The entire project has broad community support, thanks to its active and motivated steering committee.” With regard to the Malden THE MALDEN ADVOCATE–Friday, January 21, 2026 Last year, participation on High rowing team — referred to as the Crew Team officially — there were three emails read by City Clerk Carol Ann Desiderio during the City Council’s public comment period, all supporting the new boathouse. Two of them were from former team members, including Malden High 2025 graduate Mack Keating, and another from a parent of a Crew Team member. Keating described the last two seasons for Malden High Crew as difficult, since there was no boathouse or direct access to the Malden River for the team, which previously had temporary enclosures for their rowing boats and other equipment. Public comment supporters of the new boathouse said that Malden had to be based out of the neighboring community of Medford, but “still managed to finish eighth in the state” in a competition. the Malden High School Crew Team had fallen to just eight team members. In the previous Crew rowing season, 2024, there were 14 team members. In past years, with consistent access to the river, the numbers were much higher, with up to 24 and 30 team members, from 20212023. With the construction of a new boathouse, it is expected that the participation numbers of the Malden High team would increase again. Malden Councillor-at-Large Carey McDonald, the chairperson of the Council’s Finance Committee, reported the committee had unanimously supported the resolution request for the loan application. “This is a key funding piece for this project. We really want to see this project move forward,” Councillor McDonald said. “The steering committee work on this project has been consistent and productive.” Councillor McDonald stressed, “None of the money [to pay Malden River Works project description T his project aims to create better climate change preparedness and a vibrant, public riverfront park that boosts social resilience in Malden, Massachusetts. The overall design of the project addresses climate mitigation and adaptation while also producing the co-benefits of boosting social resiliency. The park design seeks to actively invite visitors of all backgrounds, ages, languages and socioeconomic statuses. The diverse cultures of Malden will be represented on the site through art on the DPW walls and signage, cultural events, and outdoor classes. Bioretention and riparian areas will be complemented by signage in various languages to allow visitors to learn about the natural environment or history of Malden. Additionally, the flexibility of spaces and the ADA-compliant design will welcome people of all age groups and abilities. Law Offices of JOSEPH D. CATALDO, P.C. “ATTORNEYS AND COUNSELORS AT LAW” • ESTATE/MEDICAID PLANNING • WILLS/TRUSTS/ESTATES • INCOME TAX PREPARATION • WEALTH MANAGEMENT • RETIREMENT PLANNING • ELDER LAW 369 Broadway Everett, MA 02149 (617)381-9600 JOSEPH D. CATALDO, CPA, CFP, MST, ESQUIRE. AICPA Personal Financial Specialist Designee back] this loan would come out of the General Fund.” The Finance Committee chairperson explained that the payments for the loan would be incorporated in the city’s annual Community Development Block Grant (CDBG) allotment. Simply, Councillor McDonald asserted, “This is not new spending by our city government.” Ward 7 Councillor Chris Simonelli asked specific questions regarding the Section 108 loan process, the payment of the loan and what outstanding loans were “on the books.” Malden Office of Strategic Planning and Community Development (OSPCD) Director Alex Pratt went to the speaker’s podium and addressed Councillor Simonelli’s queries in detail, confirming Councillor McDonald’s earlier explanation on some points. One reference to an outstanding Section 108 loan was an existing $1.3 million HUD allotment that was originally for improvements to Roosevelt Park, but when that project was abandoned due to delays and cost increases, those funds became designated solely for the removal of lead in about 15-20 percent of the park. Councillor Colón Hayes had DEBT | FROM PAGE 1 question to raise property taxes or an $8.2 million override. The third question, which would be a 30-year debt exclusion of $36 million to pay Malden’s share of the new construction of the Northeast Metro Tech, was proposed in November by City Councillors Ryan O’Malley (Ward 4), Karen Colón Hayes (at Large) and Stephen Winslow (Ward 6). Simonelli brought out the “full palette” with his response: “I’m not saying it’s not a good paper,” the Ward 7 Councillor said, “but if we add more colors to the painting, it could become distorted.” “Too many [ballot] questions could become too confusing and be too much to explain,” he said. “It’s too much, too late. Keep it simple.” Councillors O’Malley and Colón Hayes both agreed “this high praise for both the hopedfor additions of the boathouse and salt shed and the River Works project overall. “This project will be transformational,” she said, noting she had served on the Waterfront Access Committee and other related groups in the past. “It is especially exciting with the emphasis on including and reaching out to diverse labor sources and companies with a diverse workforce to complete this project.” “We want to use our limited dollars for our best financial advantage,” OSPCD Director Pratt said in response to Councillor Colón Hayes’ remarks. Pratt also delivered a “shout out” for the work of OSPCD Project Manager Becca McPheeters for her stewardship. “She [McPheeters] does a terrific job,” Pratt said. Ward 2 Councillor Paul Condon said the Section 108 loan program had been a successful one in Malden. “We have had many outstanding [projects] accomplished in this community with the help of [the HUD loan program],” he said. “One of [the state grant agencies] that oversees this project said they have never seen a city word so hard on a project,” Councillor Colón Hayes said. measure will never pass,” but both said they believe in the spirit of it. “The $5.4 million override request would cost the average taxpayer $353 [more] a year; the $8.2 million would be $532. This debt exclusion — money we are mandated to pay — would be $90 a year over the term proposed,” Councillor O’Malley said. “Our voters are intelligent. I don’t think it would be too confusing [with three ballot questions].” Councillors O’Malley and Colón Hayes both voted “yes” in a 9-2 vote against the proposed debt exclusion/ballot question while all other Councillors — Crowe (Ward 1), Condon (Ward 2), Taylor (Ward 5), Winslow (Ward 6), Simonelli (Ward 7), McDonald (at Large), Luong (at Large) and Council President Amanda Linehan (Ward 3) — voted against the measure. Like us on Facebook advocate newspaper Facebook.com/Advocate.news.ma
THE MALDEN ADVOCATE–Friday, January 21, 2026 Page 7 OBITUARIES Margaret G. Annacone Of Malden. A retired inspector for the Gillette Company, passed away on Tuesday, January 20, 2026, at the age of 98.Margaret was born in Boston in 1927, the daughter of Anthony and Antonetta Venezia. She was raised and educated in East Boston, graduating from the Donald McKay High School with the Class of 1945.She then went to work for the Gillette Corporation in Boston, and retired as a Packing Inspector in 1992.Margaret was strong in her faith and would often travel to Boston to attend Mass in St. Anthonys Church. She also enjoyed shopping in Boston while she was there. Margaret is survived by many loving nieces, nephews, great nieces and great nephews. She was preceded in death by her siblings, Michael Venezia, Cecelia Labella, Anthony Venezia, and Charles Venezia. Funeral services will be held from the Weir-MacCuish Golden Rule Funeral Home, 144 Salem St, Malden on Friday, January 23rd, at 9 AM followed by a Mass of Christian Burial in Sacred Hearts Church, Malden, at 10 AM. Interment to follow in Holy Cross Cemetery. Visitation were held at the funeral home on Thursday, January 22nd. Donations in Margarets memory may be made to the American Cancer Society. Ralph C. Fabian Passed away peacefully on January 16, 2026. He was 100 years old. Ralph was born and raised in Boston's North End. He proudly served his country as a member of the United States Navy, answering the call of duty during both World War II and the Korean War. In 1953 Ralph married the love of his life JoAnn. In 1958, Ralph made their home in Malden, where he became a longtime resident. Ralph was a longtime construction laborer and a longtime former member of the Malden Moose. Ralph was the husband of the late JoAnn A. (Murphy) Fabiano. He was the loving father of Maureen Nicosia and her husband Lorenzo of Saugus. Ralph was predeceased by 6 siblings. He was the cherished grandfather of Michael and Kayla Nicosia. He is also survived by nieces and nephews. Funeral was held from the A. J. Spadafora Funeral Home, Malden on Thursday January 22nd, followed by a Mass of Christian Burial in Saint Joseph's Church, Malden. Visiting hours were held on Wednesday. Interment will be in Holy Cross Cemetery, Malden. Debra Chesson Of Malden. Passed away peacefully, surrounded by her loving family, on January 16. She was the cherished daughter of Gerald and Ruth (Parker) Burman and was born and raised in Revere. After her upbringing in Revere, Debra made her home in Malden with her beloved husband, Robert. Together they raised their sons, Michael and Matthew and shared many joyful years of marriage until Robert's passing in November 2025. Debra was the heart of her family. She was deeply devoted to those she loved and believed that time spent together was life's greatest gift. Family gatherings were not just traditions-they were celebrations, often filled with laughter, stories, and unforgettable moments because Debra was there. Her love for food was well known, and she delighted in trying new restaurants, always eager to share a great meal and even better company. To her grandchildren, she was lovingly known as "Lulu." Lulu was funny, charismatic, and full of life-the kind of person who lit up every room she entered. She had a quick wit, a warm smile, and an infectious laugh, and she was truly the life of the party. Her presence made everything feel brighter, louder, and more joyful, and her absence will be felt deeply by all who knew her. Debra's legacy lives on through her sons, Michael Chesson of Fitchburg, and Matthew Chesson of Nashua, NH; her daughters-in-law, Veronica and Krystal; and her beloved grandchildren, David, Mason, Jazmine, and Myles, who will forever carry the love and laughter of their Lulu in their hearts. She is also survived by her brother, Howard Burman of South Carolina. Debra was predeceased by her devoted husband, Robert Chesson. A visitation for Debra will be held at the Weir-MacCuish Golden Rule Funeral Home, 144 Salem Street, Malden, on Wednesday, January 28th, from 10:00 AM to 12:00 PM. A service will follow at 12:00 PM, with interment at Puritan Lawn Memorial Park in Peabody. Lawrence A. Simeone Jr. Attorney-at-Law ~ Since 1989 ~ * Corporate Litigation * Criminal/Civil * MCAD * Zoning/Land Court * Wetlands Litigation * Workmen’s Compensation * Landlord/Tenant Litigation * Real Estate Law * Construction Litigation * Tax Lien * Personal Injury * Bankruptcy * Wrongful Death * Zoning/Permitting Litigation 300 Broadway, Suite 1, Revere * 781-286-1560 lsimeonejr@simeonelaw.net SABATINO/MASTROCOLA INSURANCE AGENCY 519 BROADWAY EVERETT, MA 02149 Auto * Home * Boat * Renter * Condo * Life * Multi-Policy Discounts * Commercial 10% Discounts * Registry Service Also Available PHONE: (617) 387-7466 FAX: (617) 381-9186 Visit us online at: WWW.SABATINO-INS.COM
Page 8 BHRC | FROM PAGE 2 ers from the “shock” of an extraordinarily high third and fourth quarter tax bill in a year when the community’s residential property tax levy rises by more than 10 per cent. Qualifying groups of taxpayers include people aged 65 and older who own and occupy the home; people enrolled in MassHealth; and people living with children under age 6 or under 18. Under current law, the first and second quarter property tax bills for a given year are estimated based on the prior year's tax levy and do not reflect any tax increase. As a result, the third and fourth quarter bills must cover the entire increase, so those two bills increase by twice the full-year percentage increase. The legislation would allow a municipality to use its own funds to give qualified persons a tax credit to cover the third and fourth quarter spike. “Every year across the state, there are a few communities in which homeowners face unusually large tax increases,” said sponsor Sen. Will Brownsberger (D-Belmont). “This legislation will give those communities tools to help their most vulnerable taxpayers.” “It is critical that we begin this new year by prioritizing municipal property tax relief,” said sponsor Sen. Nick Collins (D-South Boston). “By advancing these responsible tax relief proposals, we can help ease the burden of rising property tax bills on homeowners without harming small businesses or putting our economy at risk.” “I voted ‘No’ … because tax classification, exceptions and credits, particularly when novel, should be addressed comprehensively and analyzed in the context of other new proposals and existing law,” said Sen. John Keenan (D-Quincy), the only senator to vote against the bill. (A “Yes” vote is for the bill. A “No” vote is against it.) Sen. Jason Lewis Yes INCREASE COMMERCIAL PROPERTY TAX (S 2899) Senate 5-33, rejected an amendment that would allow the city of Boston to shift more of its property tax burden onto commercial real estate in fiscal years 2027 through 2029. The amendment is similar to the one that has been proposed and supported by Boston Mayor Michelle Wu. The amendment would have allowed THE MALDEN ADVOCATE–Friday, January 21, 2026 Sen. Jason Lewis No Boston to adjust its property tax classification if residential properties were set to bear a higher share of the total levy than in fiscal year 2025, with maximum shift levels capped at 181.5 percent in fiscal 2027, 180 percent in fiscal 2028 and 178 percent in fiscal 2029. Sen. Mike Rush (D-West Roxbury) framed the amendment as a direct response to what he described as a mounting affordability crisis for Boston homeowners, particularly seniors and working families. He said the amendment was filed at the request of Wu and the Boston City Council and closely mirrored a home rule petition approved by the council and first filed with the Legislature in 2024. He pointed to rising residential values, lagging commercial property values and statutory limits on municipal tax increases as drivers of recent spikes in Boston tax bills. He said the amendment would give Boston temporary flexibility to blunt those increases while state and city officials work on longer-term solutions. Rush added that the average tax bill for a family home rose by more than $500 in 2025 and is expected to increase by more than $700 in 2026, while commercial tax rates have continued to decline. He said those increases have disproportionately affected seniors on fixed incomes. Sen. Will Brownsberger (D-Belmont) argued that the tax shift proposal risked producing unintended and inequitable outcomes. "One narrative, one example, would be, well, I've got a struggling homeowner that's benefiting from it,” said Brownsberger. “That's good, and I've got an office tower whose private equity owners are paying more taxes. Maybe that narrative makes sense in some cases. But on the other hand, the truth is, we're lowering … taxes for your very wealthy single-family homeowner, perhaps living in something of a mansion in the most tony neighborhood of the city. And you're raising taxes on your little garage owner trying to make things work." (A “Yes” vote is for the bill. A “No” vote is against it.) INCREASE TAX RELIEF TO VETERANS (S 1948) Senate 38-0, approved a bill that would allow cities and towns to hike from the current $1,500 to $2,000, the property tax break for veterans and spouses of deceased or disabled veterans in exchange for their providing volunteer services to their municipality. “Our veterans have already given so much in service to our nation, and they deserve to be able to remain in the communities they call home,” said sponsor Sen. Julian Cyr (D-Provincetown). “For many veterans on Cape Cod, the Islands and across Massachusetts, rising property taxes are putting undue pressure on household budgets that are already razor thin. This bill gives communities a meaningful property tax relief tool while recognizing the service veterans have already given so they may live with the dignity they have earned.” (A “Yes” vote is for the bill.) Sen. Jason Lewis Yes CREATE TAX REBATE PROGRAMS (S 2900) Senate 37-1, approved and sent to the House a bill that would give cities and towns the option to create tax rebate programs for residents who already benefit from a local residential exemption. This new rebate program would allow cities and towns to set income and asset thresholds, tailoring relief to local residents’ needs. “It is critical that we begin this new year by prioritizing municipal property tax relief,” said sponsor Sen. Nick Collins (D-South Boston). “By advancing these responsible tax relief proposals, we can help ease the burden of rising property tax bills on homeowners without harming small businesses or putting our economy at risk.” “I voted ‘No’ … because tax classification, exceptions and credits, particularly when novel, should be addressed comprehensively and analyzed in the context of other new proposals and existing law,” said Sen. John Keenan (D-Quincy), the only senator to vote against the bill. (A “Yes” vote is for the bill. A “No” vote is against it.) Sen. Jason Lewis ~ Home of the Week ~ SAUGUS - 1st AD - Sought-after Sprawling Ranch boasting 8 rooms, 3 bedrooms, 2 baths, eat-in kitchen with ceramic tile floor w/slider to heated breezeway, dining room open to large living room with gas fireplace – great for entertaining! Finished lower level with newer ct flooring and fireplace. Central air w/newer condenser, new hot water, new walkways and patio, 1 car garage with newer door, large, level lot, located in desirable Lynn Fells neighborhood, close to everything! MINT-move right in! Offered at $799,900 335 Central Street, Saugus, MA 01906 (781) 233-7300 View all our listings at: CarpenitoRealEstate.com Yes MEANS TESTING (S 2902) Senate 37-0, approved and sent to the House a bill that would make it easier for communities to offer local property tax exemptions to seniors by allowing cities and towns to institute a means-tested senior citizen property tax exemption for income-eligible seniors who have lived in their community for at least 10 years. “Rising property taxes have created serious financial burdens for many elderly residents in my communities and across Massachusetts,” said sponsor Sen. Jason Lewis (D-Winchester). “The legislation that I filed to provide an option for municipalities to opt in to a senior citizen property tax exemption would allow municipalities to support struggling income-eligible seniors and allow many aging residents the ability to continue to live in their communities and not be driven out due to increasing tax burdens.” (A “Yes” vote is for the bill.) Sen. Jason Lewis Yes REQUIRE MORE PUBLIC DISCLOSURES OF FUNDRAISING AND SPENDING BY BALLOT QUESTION GROUPS (S 2898) Senate 38-0, approved and sent to the House a bill requiring more frequent public reporting of fundraising and spending by groups supporting or opposing ballot questions. Under the bill, ballot question committees would be required to provide monthly reports on their finances. After September of that year,, campaigns would have to file biweekly reports until Election Day. The bill would hold ballot question campaigns to the same standard of disclosure already followed by candidates for office. Currently, ballot committees don’t have to report on their finances between Jan. 20 and September. “This is a bipartisan bill, a commonsense bill that we must pass now to ensure our campaign finance laws are strengthened, they're consistent and they're fair for everyone,” said sponsor Sen. Sal DiDomenico (D-Everett). “The ballot questions are happening this fall. We have to get this done right now.” “Statewide ballot questions are a great tool for empowering the public to vote directly on statewide policies, but it is vitally important that our voters know which people and organizations are funding these policy proposals,” continued DiDomenico. “I am proud to pass my legislation through the Senate that will close a loophole in our campaign finance law and ensure our residents have all the information they need to make an educated decision when voting on ballot measures.” “With the increasing number of ballot questions in each election, the need for transparency has never been greater,” said Sen. John Keenan (D-Quincy), Senate Chair of the Joint Committee on Election Laws. “Many of the questions are backed with significant funding and other resources. This important bill will allow voters to see who is supporting or opposing the ballot questions, sponsoring the ads and paying for mailings. It will help voters make informed decisions at the polls.” (A “Yes” vote is for the bill.) Sen. Jason Lewis Yes SIGNATURE GATHERING FOR BALLOT QUESTIONS (S 2898) Senate 34-3, approved an amendment that would require that when a ballot question group pays people or a company to gather signatures to qualify the question to be on the ballot, the petition must include a disclosure, in a manner to be determined by the secretary of state, which clearly informs potential signers that the petition is being distributed by a paid signature gatherer. Another provision prohibits pay-per-signature arrangements in this signature gathering process and specifically prohibits any bonus pay or incentives, paid to the signature gatherer, which is contingent upon the number of signatures collected. A violation of this ban would be punishable by a fine of between $100 and $10,000 and each signature collected would be considered to be a separate offense.in violation of this section. “By prohibiting pay-per-signature arrangements, we will drastically reduce the unique financial incentive for signature gatherers to mislead voters into signing petitions and ensure that initiative campaigns can still collect signatures based on the merits of the policy,” said sponsor Sen. Barry Finegold (D-Andover). "Individuals should not be restricted from engaging in political activity that is legal,” said Sen. Ryan Fattman (R-Sutton), one of three senators to vote against the amendment. “The proponent of the amendment says that this will stop fraudulent activity, but fraudulent activity is already illegal and published on the signature petition. My position revolves around freedom of speech, where people have the ability to petition their government through a ballot process. The ballot process includes payment to collect signatures in various forms, and I don't believe it's constitutional to ban that." (A “Yes” vote is for the amendment. A “No” vote is against it.) Sen. Jason Lewis Yes BLUE STAR LICENSE PLATES (S 2903) Senate 38-0, approved and sent to the House a proposal that would create a new special license plate to honor the memories of fallen law enforcement officers by offering a symbol of respect to their surviving spouses, parents and children. It would also create a Blue Star Family emblem for motorcycle plates. “As we mourn Officer Stephen LaPorta, who fell in the line of duty, we are reminded that the freedoms and protections of our commonwealth would be impossible without the courage and service of Officer LaPorta and all those who have given their lives to protect others,” said Senate President Karen Spilka (D-Ashland). “His selflessness reflects the very best of public service and stands as a solemn reminder of the profound debt we owe to those who place themselves in harm’s way to keep our communities safe. This legislation represents small but meaningful recognition to honor the memory of the fallen and to affirm our enduring commitment to the families and loved ones they leave behind.” “It’s especially fitting to bestow this highly visible license plate in recognition for families of law enforcement officers who made the ultimate sacrifice protecting their communities,” said Sen. Mike Rodrigues (D-Westport), Chair of the Senate Committee on Ways and Means. “This distinctive plate will be available to spouses, children and parents of fallen law enforcement officers all across the commonwealth at no additional charge from the Registry. It is a small but meaningful token of appreciation that we can do to honor these BHRC | SEE PAGE 12
THE MALDEN ADVOCATE–Friday, January 21, 2026 Page 9 Malden keeps Rev. Dr. King’s dream alive on his birthday Emmanuel Baptist Church Pastor Rev. Wayne Gadie blessed the ceremony. Dr. Carl Mack gave the keynote address. “Lift every voice and sing” opened the program. At right, Councillor-At-Large Karen Colón Hayes gave the statement of occasion. Mattie Williams welcomed the attendees. Richard Voltaire offered the prayer. Shown from left to right, are: Jacoby James, DEI Director Kashawna Harling, Kristy Magras, Pastor Wayne Gadie, Councillor-At-Large Karen Colón-Hayes, guest speaker Dr. Carl Mack, and Eric Henry. (Advocate photos by Tara Vocino) Mary Ellen O’ Meara sold books as part of the Friends of the Malden Public Library popup sale. The Friends offered a carefully curated selection of books from their collection, adapting to the event.All books are sold for $1-2. (Courtesy photo, Mary Ellen O’Meara) Mayor Gary Christenson said the community has worked tirelessly to make MLK proud. Maya Watkins did a liturgical dance. Audience members held signs for justice. Community Praise Singers performed. Front row, shown from left to right, are: Brandon Coke, Patricia White, Maya Watkins, and Kim Sneed. Back row, shown from left to right, are: Jeremiah Marn, Dr. Phil Conti, Willis Rose, and Rev. Gary McClenthen.
Page 10 THE MALDEN ADVOCATE–Friday, January 21, 2026 Savvy Senior by Jim Miller How To Find a Quality Nursing Home for Your Loved One Dear Savvy Senior, Can you give me some tips on picking a good nursing home for my father? Since his stroke, I’ve been taking care of him at home, but he’s gotten to the point where it’s too much for me to handle. Exhausted Daughter Dear Exhausted, Choosing a nursing home for a loved one that provides quality is a very important decision that requires careful evaluation and some homework. Here are some steps you can take that can help you find a good facility and avoid a bad one. Make a list: There are several sources you can turn to for referrals to top nursing homes in your area including the Area Agency on Aging (call 800-677-1116 or visit Eldercare.acl.gov for contact information); your dad’s doctor or nearby hospital discharge planner; friends or neighbors who may have had a loved one in a nursing home; and online at Medicare’s nursing home compare tool at Medicare.gov/care-compare. This tool will not only help you locate nursing homes in your area, but it also provides a 5-star rating system on recent health inspections, staffing, quality of care, and overall rating. Also, keep in mind that it’s always best to choose a nursing home that’s close to family members and friends who can visit often, because residents with frequent visitors usually get better care. Call your long-term care ombudsman: This is a government official who investigates nursing home complaints and advocates for residents and their families. This person can tell you which nursing homes have had complaints or problems in the past and can help you locate a good facility. Visit LTCombudsman.org for local contact information. Contact the nursing homes: Once you’ve narrowed your search, call the nursing homes you’re interested in to verify that they can facilitate your dad’s needs. Also, find out if they have any vacancies, what they charge, and if they accept Medicaid. Tour your top choices: During your nursing home visit, notice the cleanness and smell of the facility. Is it homey and inviting? Does the staff seem responsive and kind to its residents? Additionally, be sure to taste the food, and talk to the residents and their family members, if available. It’s also a good idea to visit several times at different times of the day and different days of the week to get a broader perspective. And be sure to find out about their staff screening and training procedures, staff-to-patient ratio, and the staff turnover rate. To help you rate your visit, Medicare offers a helpful checklist of questions to ask at Medicare.gov/media/document/12130nursing-home-checklist508. pdf that you can print and take with you on your visit. Paying for Care With nursing home costs now averaging $324 per day nationally for a semi-private room and nearly $371 for a private room, paying for care is another area you may have questions about or need assistance with. Medicare only helps pay up to 100 days of rehabilitative nursing home care, which must occur after a hospital stay of at least three days. Most nursing home residents pay for care from either personal savings, a long-term care insurance policy, or through Medicaid once their savings are depleted. Or, if your dad is a veteran, he may be able to get funds through the VA’s Aid and Attendance benefit (see VA.gov/pension/aid-attendance-housebound). To learn more about the payment options, ask the nursing home director. You can also get help from your State Health Insurance Assistance Program (SHIP), which provides free counseling on all Medicare and Medicaid issues. To find a local SHIP counselor visit ShipHelp.org or call 877-839-2675. And for more information, see Medicare’s booklet “Your Guide to Choosing a Nursing Home” (product # 02174). You can view it online at Medicare.gov/ Publications. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior. org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. 1. Jan. 23 is Bounty Day; it is celebrated on Pitcairn Island with burning of what replica? 2. What is Massachusetts’ official state marine mammal? 3. Public bus lines originally used what transport method? 4. On Jan. 24, 1862, what authoress of “Ethan Frome” (set in Mass.) and The Mount was born? 5. January is Walk Your Dog Month; in 1960 why did NYC salesman Jim Buck “go to the dogs” professionally? 6. What vaudevillian/humorist said, “I love a dog, he does nothing for political reasons”? 7. On Jan. 25, 1961, what film with a character named Cruella De Vil had its USA release? 8. In what country would you find snow monkeys, the northernmost monkeys? 9. Why were the Frances Appleton Footbridge (2018) and Longfellow Bridge named that? 10. Reportedly, the word “jaywalker” comes from “jay-driver,” which meant what? 11. On Jan. 26, 1988, what show opened on Broadway that was its longest-running show? 12. What language is the drink name “mai tai” from: Creole, Japanese or Tahitian? 13. What country that is mostly ice has only one community not on its coast? 14. Jan. 27 is National Chocolate Cake Day; how are Ding Dongs and Ring Dings similar? 15. At the 1908 London Olympic Games was the first Olympic figure skating, including “special figures,” which is what? 16. What Semi-Colon Club member/authoress with the middle name Beecher had a sister, Catharine, who wrote “Physiology and calisthenics. For schools and families”? 17. On Jan. 28, 1958, what company patented a brick design? 18. Reportedly, do male or female bears emerge from hibernation first? 19. In 1838 what two countries became involved in the minor “Pastry War”? 20. On Jan. 29, 1954, Oprah Winfrey was born in what Mississippi city named for a Polish general during the American Revolution (also the name of a mustard)? ANSWERS 1. HMS Bounty (a mutiny on the ship inspired books, films and other works) 2. North Atlantic right whale 3. A long-bodied horse-drawn carriage (“bus” comes from the French omnibus [1829]) 4. Edith Wharton (The Mount was her home in Lenox, Mass.) 5. He got bored with sales and became “a professional dog walker, dog trainer and dog sitter” 6. Will Rogers 7. “One Hundred and One Dalmatians” 8. Japan 9. Henry Wadsworth Longfellow often walked from Cambridge across the West Boston Bridge (later renamed twice) to meet Frances Appleton (future wife) at her Beacon Hill home 10. A car or horsedrawn carriage driver driving on the wrong side of the road 11. “The Phantom of the Opera” 12. Tahitian 13. Greenland (Kangerlussuaq, which is at the end of a long fjord) 14. Types of prepackaged snack cakes ; they debuted in the 1950s and 60s 15. Tracing patterns on ice with one skate blade, including skaters’ original complex designs 16. Harriet Beecher Stowe 17. LEGO 18. Males (females with cubs emerge later) 19. France and Mexico (set off by a French pastry chef in Mexico complaining that Mexican army officers damaged his business) 20. Kosciusko
THE MALDEN ADVOCATE–Friday, January 21, 2026 Page 11 Malden, Everett and Medford high school students can have their voice heard and win cash prizes T he Immigrant Learning Center (The ILC) is now seeking art and essays from teens at Malden, Everett and Medford public high schools for their fifth annual Teen Perspectives Contest. Students are invited to submit original work on the topic “How Immigration Benefits My Community” now through Monday, February 9, 2026. Cash prizes up to $300 will be awarded for first-, second-, third-place and honorable mentions. Now in its fifth year, Teen Perspectives is a great opportunity for high school students to express themselves on such an important and timely topic, whether they come from immigrant communities or were born in the United States. “The Immigrant Learning Center has been a generous partner to Malden High School. They have become an annual tradition within our school through their Teen Perspectives Contest,” said Malden Public Schools Director of History and the Arts Gerard Tannetta. “Our students excitingly participate through essay writing, art projects, and videos. As the most diverse high school in the state of Massachusetts, Malden High School is always looking for ways to honor our students’ diverse cultures and identities. The Teen Perspectives Contests allows our students to tell their stories through their lens and provides a wonderful opportunity to amplify their voice.” Winners will be notified the week of March 23, 2026. There will be a ceremony for the students, their families and teachers on Wednesday, April 15, 2026, at Malden High School. Learn more about how to enTRUST INCOME TAX RETURNS FOR 2025 TAX YEAR have to file for a federal ID number for the Trust with the IRS. If the Trust does not distribute F or this upcoming tax season, whether you have previously executed a revocable trust or irrevocable trust, it is important to know the Trust income tax return filing requirements. If you have executed a revocable Trust, it will be treated as a grantor-type Trust and therefore no separate tax return will be required to be filed for the Trust. If you were to open a stock brokerage account or money market account in the name of such a trust, for example, you can have the bank or financial institution simply use your social security number for IRS 1099 reporting purposes. Upon your death as the Settlor of such a revocable Trust, the Trust would then become irrevocable and would no longer be classified as a grantor-type trust. In such an event, if the Trust generates income, whether interest, dividend, capital gain income, or net rental income from rental real estate, then a separate Trust tax return would need to be filed. Furthermore, the Trustee would its income, it will have to pay taxes at the Trust level. The highest tax bracket for Trusts of 37 percent starts at only $15,650 in taxable income. Therefore, it is often more desirable to distribute the income to the income beneficiaries in order to claim an income distribution deduction at the Trust level to zero out the Trust’s taxable income. The income will then be taxed to the income beneficiaries who actually receive the distribution on their individual income tax returns. For the 2025 calendar year, the 22 percent tax bracket for a married couple does not begin until taxable income reaches $96,950. The 37 percent tax bracket for the same couple does not begin until taxable income reaches $751,600. With a Medicaid irrevocable Trust executed for asset protection purposes, a tax return would have to be filed by the Trust under its federal ID number in the event it generates taxable income. The Trust should be drafted in such a way as to be treated as a grantor-type Trust. If this Trust is generating taxable income, there would then be a grantor letter issued to the Settlor/Grantor/Trustor of the Trust in order for that person to report the items of income on his or her individual income tax return. There are several Trust provisions that would need to be included in the irrevocable Trust in order for it to be treated as a grantor-type Trust for tax purposes. Since the irrevocable Trust is drafted to be treated as a grantor-type Trust, it does not matter if interest income, dividend income, capital gain income or net rental income is actually distributed to the Grantor. Those items of income will pass through to the Grantor of the Trust via the grantor letter and will be reported on his or her Form 1040. The Trust will not be paying the income taxes on the income it generates. Upon the death of the Settlor of the irrevocable Trust, the Trust will no longer be treated as a grantor-type Trust. Consequently, any net income generated by the Trust will be taxed at higher Trust income tax rates unless the net income is actually distributed to the income beneficiaries or remainder beneficiaries. For this upcoming tax season, be aware of the income tax rules pertaining to revocable and irrevocable Trusts when determining whether or not a tax return needs to be filed, and if so, which type of Trust income tax return. Joseph D. Cataldo is an estate planning/elder law attorney, Certified Public Accountant, Certified Financial Planner, AICPA Personal Financial Specialist and holds a master’s degree in taxation. ter this year’s contest and view last year’s entries on The ILC’s website at https://www.ilctr.org/ for-teachers/teen-perspectives. The 2026 Teen Perspective’s Contest is sponsored in part through a grant from the Malden Cultural Council. Additional sponsorship opportunities are available. Those interested in contributing can reach out to Director of Development Mark Correia at mcorreia@ilctr.org. About The Immigrant Learning Center, Inc. The ILC, which is located in Malden, Massachusetts, is a nonprofit organization that gives immigrants a voice in three ways. The English Language Program provides free, year-round English for Speakers of Other Languages classes to help immigrant and refugee adults in Greater Boston become successful workers, parents and community members. The Public Education Institute informs Americans about immigrants and immigration in the United States, and the Institute for Immigration Research, a joint venture with George Mason University, produces valid, reliable and objective multidisciplinary research on immigrants and immigration to the United States. Local student named to Bucknell University Dean’s List B ucknell University, which is located in Lewisburg, Pa., has released the Dean’s List for outstanding academic achievement during the fall semester of the 2025-26 academic year. A student must earn a grade point average of 3.5 or higher on a scale of 4.0 to receive Dean’s List recognition. Addison McWayne, 2029, of Malden, Mass., has earned this honor. FURNISHED ROOM FOR RENT EVERETT 1 bedroom, 1 bath furnished room for rent. $275. per week rent. Two week deposit plus 1 week rent required. Call: 617-435-9047 - NO TEXT
Page 12 THE MALDEN ADVOCATE–Friday, January 21, 2026 BHRC | FROM PAGE 8 brave men and women who paid the price when answering the call to duty.” (A “Yes” vote is for the bill.) Sen. Jason Lewis Yes ALSO UP ON BEACON HILL DIRECT PRIMARY CARE (S 2732) – The Committee on Consumer Protection and Professional Licensure gave a favorable report and has recommended that the House and Senate approve a bill that would prohibit health insurance carriers, particularly in the context of direct primary car (DPC) arrangements, from denying payment for covered health care services based solely on the provider being outside the carrier’s network, as long as the service itself is covered. The measure also clarifies that dispensing controlled substances must be for a legitimate medical purpose; and removes restrictive language about dosage limits and emergency dispensing, potentially easing access for patients in urgent need. “I proposed this legislation to minimize the burdens that come with seeking care,” said sponsor Sen. Michael Moore (D-Millbury). “This bill would bring Massachusetts into line with several other states that recognize the essential care services that DPC physicians provide and help connect underserved communities with healthcare that is covered by the insurance they already pay for. The way people are receiving essential healthcare is changing – our medical systems should change with it.” CREDIT CARDS (S 2819) – The Committee on Consumer Protection and Professional Licensure also gave a favorable report to and has recommended that the House and Senate approve a bill that supporters say would update Massachusetts law and regulate how businesses can encourage non-credit card payments and charge for credit card use, with an emphasis on transparency and consumer protection. The bill would allow businesses to offer discounts to customers who pay by cash, check or similar means -- and would prohibit credit card issuers from restricting those discounts, provided the discount is clearly disclosed in advance of the transaction. "I sponsored [the bill] to promote transparency and fairness for both consumers and small businesses,” said sponsor Sen. Jake Oliveira (D-Ludlow). “Credit card processing fees continue to rise, and this legislation ensures businesses can recover legitimate costs, while giving consumers clear information before they complete a purchase." KIDNEY FAILURE (S 2737) – The Health Care Financing Committee held a hearing on legislation that would reverse the exclusion of under-age 65 with a diagnosis of End Stage Renal Disease (ESRD or kidney failure) from being able to purchase Medicare Supplement health insurance plans, also called Medigap. Supporters said this bill would ensure that Medicare-eligible Bay Staters under the age of 65 with ESRD – who are on Medicare but not the Massachusetts Medicaid program (called non-duals) have the same legally protected access to affordable Medigap plans as they would have if they had gotten sick at age 65. “As someone who survived and knows firsthand the fear, the cost and the uncertainty that come with kidney failure, I filed this bill because no one should be denied the coverage they need simply because they got sick before turning 65,” said sponsor Sen. Adam Gomez (D-Springfield). “Massachusetts is one of only four states that still blocks younger ESRD patients from accessing affordable Medigap plans, and that barrier keeps too many people from financial stability and lifesaving transplants. This legislation is a simple, long overdue fix that will finally give hundreds of patients the protection and dignity they deserve.” HIV – GETTING TO ZERO WEEK (H 3381) – The House gave initial approval to a proposal that would set apart December 1-8 as “Getting to Zero Week” to increase public awareness, understanding and recognition of our communities’ ~ School Bus Drivers Wanted ~ 7D Licensed School Bus Drivers • Basement Renovation & Restoration • Bathroom Remodeling • All Aspects of Carpentry • Chimneys Rebuilt/Repaired • Roofing & Siding Installed/Repaired • Masonry Repairs • Foundation Leaks Repaired • Waterproofing • Interior Painting & Much More Free Estimates & Consultation Fully Licensed & Insured 617-955-5164 Toughbuildmasonry.com Johntoughbuild@gmail.com Malden Trans is looking for reliable drivers for the new school year. We provide ongoing training and support for licensing requirements. Applicant preferably lives local (Malden, Everett, Revere). 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REAL ESTATE TRANSACTIONS BUYER1 Armstrong, Ralph W Chen, Wei Islam, Khandakar N Lam, Steven Li, Miaoxin Resop, Daniel Teper, Michael S BUYER2 SELLER1 Deorchis, Douglas J Weng, Perry Levine, Philip Khimani, Amaan Levine, Phillip Mcdowell, Brendan Mcdowell, Shannon Shaikh, Needa Arsenault, Richard W Arsenault, Debra A Resop, Regina L Donofrio, Christine A Regina L Resop Ft Nolan Ft SELLER2 shared commitment to end the HIV and AIDS epidemic in the Bay State by getting to zero new cases, zero HIV-related deaths and zero stigma. “We have the ability, not just within our lifetimes but within the next ten years, to reach zero new HIV cases, zero HIV-related deaths and zero stigma associated with HIV status,” said sponsor Rep. Jack Lewis (D-Framingham). He said the bill would recognize our communities and commonwealth’s shared commitment to ending the HIV epidemic and supporting essential public health efforts.” QUOTABLE QUOTES “Over $3 billion in benefits will flow into Massachusetts thanks to this major transmission line. That means lower bills, more jobs and the power we need to grow our economy. Our administration played an important role in keeping this project on track and affordable.” ---Lt Gov. Kim Driscoll, on completion of the New England Clean Energy Connect transmission line that is now delivering affordable, stable hydropower from Canada to the Bay State. “When projects move faster, costs go down – and those savings matter. By shortening review timelines from years to just 30 days, we’re getting more housing built and making life more affordable for families and communities.” ---Gov. Maura Healey on her reforms, effective on January 30, implementing a new streamlined process to make it easier and faster to build homes in Massachusetts and lower housing costs. "Young children learn best through play. These grants continue to equip educators with tools that lead to equitable and meaningful learning experiences for students." ---Commissioner of Elementary and Secondary Education Pedro Martinez, on awarding $140,000 in grants to four school districts to continue efforts to incorporate playful learning strategies into preschool through third grade classrooms. “We critically need increased monitoring, oversight and public reporting of Massachusetts Assisted Living Residences so it’s important that the Legislature approve the necessary funding to increase staffing and resources and make other legislative actions that will improve oversight and consumer protections, as advised by the Commission.” ---Liane Zeitz, member of the Massachusetts Chapter of the National Academy of Elder Law Attorneys, applauding the final report by the Massachusetts Assisted Living Residences Commission, which outlines recommendations to imBHRC | SEE PAGE 13 Copyrighted material previously published in Banker & Tradesman/The Commercial Record, a weekly trade newspaper. It is reprinted with permission from the publisher, The Warren Group. For a searchable database of real estate transactions and property information visit: www.thewarrengroup.com. ADDRESS CITY 20 Rockland Ave #3 Malden 16 Boylston St 100 Medford St Malden Malden 30 Franklin St #105 Malden 19 Bellvale St Malden 33-35A Havelock St Malden 52 Park Ave Malden DATE PRICE 12.29.25 453500 12.30.25 740000 12.31.25 1175000 12.31.25 418000 12.29.25 628000 12.29.25 1550000 12.29.25 675000
THE MALDEN ADVOCATE–Friday, January 21, 2026 Page 13 APARTMENT FOR RENT Malden apartment rental, 5 Rooms, 2 Bedrooms, Maplewood section, near Public Transportation. Utilities not incl. $2,200/month. First/Security Dep. Call: 781-321-2731 APARTMENTS FOR RENT www.mastrocola.com American Exterior and Window Corporation Contact us for all of your home improvement projects and necessities. Call Jeff or Bob Toll Free: 1-888-744-1756 617-699-1782 / www.americanexteriorma.com Windows, Siding, Roofing, Carpentry & More! All estimates, consultations or inspections completed by MA licensed supervisors. *Over 50 years experience. *Better Business Bureau Membership. Insured and Registered Complete Financing Available. No Money Down. FIRE • SOOT • WATER Homeowner’s Insurance Loss Specialists FREE CONSULTATION 1-877-SAL-SOOT Sal Barresi, Jr. - Your fi rst call 617-212-9050 We follow Social Distancing Guidelines! AAA Service • Lockouts Trespass Towing • Roadside Service Junk Car Removal 617-387-6877 26 Garvey St., Everett MDPU 28003 ICCMC 251976 Frank Berardino MA License 31811 ● 24-Hour Service ● Emergency Repairs BERARDINO Plumbing & Heating Gas Fitting ● Drain Service Residential & Commercial Service 617.699.9383 Senior Citizen Discount BUDGET SERVICES RUBBISH REMOVAL * Interior-Exterior Demolition Bathroom/Kitchen/Decks, Etc. * All Types of Debris Removed * Pick-up Truck Load of Trash starting at $239. ~ Licensed & Insured ~ Call (978) 494-3443 Clean-Outs! We take and dispose from cellars, attics, garages, yards, etc. Call Robert at: 781-844-0472 BHRC | FROM PAGE 12 prove health and safety standards at the state’s assisted living facilities, following the death of ten residents in July 2025 fire at the Gabriel House in Fall River. HOW LONG WAS LAST WEEK’S SESSION? Beacon Hill Roll Call tracks the length of time that the House and Senate were in session each week. Many legislators say that legislative sessions are only one aspect of the Legislature’s job and that a lot of important work is done outside of the House and Senate chambers. They note that their jobs also involve committee work, research, constituent work and other matters that are important to their districts. Critics say that the Legislature does not meet regularly or long enough to debate and vote in public view on the thousands of pieces of legislation that have been filed. They note that the infrequency and brief length of sessions are misguided and lead to irresponsible late-night sessions and a mad rush to act on dozens of bills in the days immediately preceding the end of an annual session. During the week of January 12-16, the House met for a total of 23 minutes and the Senate met for a total of six hours and 16 minutes. Mon. Jan, 12 The Kid Does Clean Outs From 1 item to 1,000 * Basements * Homes * Backyards * Commercial Buildings The cheapest prices around! Call Eric: (857) 322-2854 House11:02 a.m. to 11:12 a.m. Senate 11:09 a.m. to 11:35 a.m. Tues.Jan. 13 No House session. No Senate session. Wed. Jan. 14 No House session. NO Senate session. Thurs. Jan. 15 J.F & Son Contracting Snow Plowing No Job too small! Free Estimates! Commercial & Residential 781-656-2078 - Property management & maintenance Shoveling & removal Landscaping, Electrical, Plumbing, Painting, Roofing, Carpentry, Framing, Decks, Fencing, Masonry, Demolition, Gut-outs, Junk Removal & Dispersal, Clean Ups: Yards, Garages, Attics & Basements. Truck for Hire, Bobcat Services. House11:02 a.m. to 11:15 a.m. Senate1:12 p.m. to7:02 p.m. Fri.Jan 16 No House session. No Senate session. Bob Katzen welcomes feedback at bob@beaconhillrollcall.com Bob founded Beacon Hill Roll Call in 1975 and was inducted into the New England Newspaper and Press Association (NENPA) Hall of Fame in 2019. Copyright © 2026 Beacon Hill Roll Call. All Rights Reserved.
Page 14 THE MALDEN ADVOCATE–Friday, January 21, 2026
THE MALDEN ADVOCATE–Friday, January 21, 2026 Page 15 Get your Mortgage Resolutions with Beyond Financing, Inc. New Year rates @ www.beyondfinancing.com Powered by Finley Concierge Beyond Financing, Inc. Licensed in CA-CT-FL-MA-NH-NC-RI-SC-TX • Purchase • Refinance • Investment 999 Broadway, Suite 500-N, Saugus-MA 01906 www.BEYONDFINANCING.COM 857.410.1391 NMLS ID: 2394496 IN CA, CT & MA: Mortgage Broker Only, not a Mortgage Lender or Mortgage Correspondent Lender. In FL, NH, NC, RI, SC & TX: Mortgage Broker and Correspondent Lender. Loans are available fairly and equally regardless of race, color, religion, sex, familial status, national origin, military status, disability, or ancestry. TRINITY REAL ESTATE 321 MAIN STREET | SAUGUS, MA | VILLAGE PARK TrinityHomesRE.com 28 Osprey Rd., Saugus 01906 - Commercial Rental List Price: $3,500 Listed by: Patricia Torcivia Cell: 781.820.0974 A 2 story building in Prime Location with the 2nd level unit available for rental office space to sublet consisting of approximately 4000 sq ft of 7 furnished offices and a designated kitchen along with 2 restrooms. Upon entering the unit you are greeted into a Large foyer entrance that opens into a spacious reception room which leads to a huge spacious office that leads out to a long hallway consisting of another 4 offices (2 smaller offices and 2 ex lg) and a designated kitchen that includes a refrigerator along the hallway is a men and women restrooms....rental price includes all utilities (Heat/electric/AC/water) .Move-in condition...office furniture included...Wi-Fi negotiable Easy access to Rt 99 near Lowe's and Rt C-1 exit in front of building... Available Jan 1,2026 722 Lowell Street, Peabody 01960 - Rental Rental List Price: $3,500 Listed by: Lucia Ponte Cell: 781.8838130 Spacious and Beautifully Renovated Duplex! This stunning home has been completed with well planned details and layout, throughout. Much elegance is expressed in the large foyer that introduces you to the open-concept living and dining space, both with decorative FP. The beautiful, huge kitchen features custom cabinetry, large center island, pendant lighting, granite countertops, stainless steel appliances, w/breakfast area. The second level offers a spacious primary bedroom with cathedral ceiling, two generous closets, and a beautiful ensuite bath with sky light. Two additional bedrooms, with beamed vaulted ceilings Unit is sun filled and has been meticulously maintained. Additional highlights include in-unit laundry in the basement & two-car parking 781.231.9800 230 Broadway, #2, Lynn 01904 - Rental Rental List Price: $2,400 Listed by: Patricia Torcivia Cell: 781.820.0974 A freshly painted 2nd floor apartment consisting of a 5 Room/2 Bedroom owner occupied house that is located in a desirable area near Wyoma Square... Features include lots of cabinet space in the kitchen with electric stove, new refrigerator, tiled floor and a walk through that leads to an open dining room/living room with hardwood floors and natural woodwork with built-in china cabinet.. two bedrooms and a newer bathroom with tiled floor finish off this great layout with closet space and hardwood floors in the bedroom as well...covered parking for one car under the carport and front and rear porches for sitting outdoors...Available for Feb 1..Must have good references..1st month rent, last month rent, and one month security deposit is required at signing a one year lease. 3 Hunnewell St., Melrose, MA 02176 List Price: $1,375,000 Listed by: Dale Brousseau Cell: 617.957.2728 Three family in Melrose represents a strong investment opportunity with immediate income & long-term upside. Set on a nice13k sq ft lot, the property offers exceptional parking capacity & outdoor space. Unit 1 delivers a desirable three bedrooms, including a Primary Suite, plus a lower-level family room with private entrance & in-unit laundry. This unit currently rents for $3,400 per month & includes exclusive use of the oversized two-car garage, enhancing both appeal & revenue potential. Units are occupied by long-term tenants, providing stable, predictable income. All units have separate utilities, hardwood floors and replacement windows throughout. Providing Real Estate Services for Nearly Two Decades Servicing Saugus, Melrose, Wakefield, Malden, all North Shore communities, Boston and Beyond. Commercial Rental FOR RENT FOR RENT FOR SALE
Page 16 THE MALDEN ADVOCATE–Friday, January 21, 2026 # 1 Listing & Selling Office in Saugus “Experience and knowledge Provide the Best Service” Free Market Evaluations SAUGUS - INCREDIBLE Mini Estate offers 15 rooms, 4 bedrooms, 4 ½ baths, 2 bedroom Carriage house, heated, IG pool, 2+ acres IMPRESSIVE! $1,899,000. SAUGUS - 1st AD -DESIREABLE one-floor living! 8 rm Ranch, 3 bedroom, 2 baths, fp, hdwd, finished lower level, 1 car garage, large level lot, super location. $799,900. LYNN - Mixed use building, store front on 1st floor with side st access, residential unit on 2nd floor. Needs TLC – Great Opportunity! $589,900. LYNNFIELD - Prime Center Location! Well maintained Wills built home sits on a builders acre lot. Generous sized rooms, 4 bedrooms, 3 full baths, hardwood floors in many rooms, 2 c garage $999,000. CHELSEA - GREAT INVESTMENT OPPORTUNITY! 7 corner condo units each with 2 bdrms & 2 baths, located at Mill Creek $3,100,000.00 ~ AGENT SPOTLIGHT ~ LYNNFIELD - UNIQUE Mixed use property, 4 bedroom home plus rear building, great corner lot with ample off street parking, many possibilities! Call for details $2,499,900. COMMONMOVES.COM 335 CENTRAL STREET, SAUGUS, MA / (781) 233-7300 REVERE - Desirable one-owner Ranch offers 2-3 bedrooms, huge living room open to dining room - great for entertaining, hardwood flooring, 1 car garage – MINT! $675,000. Linda Surette 781-910-1014
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