Page 20 THE SAUGUS ADVOCATE – Friday, March 27, 2020 SOUNDS| from page 19 ideas they want to bounce off Thibeault, you can call him by phone at 781-231-4168 x3122 or email him at athibeault@noblenet.org. Saugus Aff ordable Housing grants available The Saugus Aff ordable Housing Trust, a Town committee created to stimulate housing, announces in cooperation with CrossCountry Mortgage, housing benefi ts available to all Saugus residents, Town employees, people working in Town and those looking to purchase/refi nance a home in Saugus. CrossCountry will give a closing cost credit of up to $2,198. There are no income or fi rst-time buyer requirements; property can be owner-occupied or investment properties. Properties do not have to be located in Saugus and there is no repayment required. Conventional, FHA and VA loans are eligible. Please call 781-412-3300 and visit ccmaffi nity.com/Saugus aff ordable for terms and conditions. Let’s hear it! Got an idea, passing thought or gripe you would like to share with The Saugus Advocate? I’m always interested in your feedback. It’s been four years since I began work at The Saugus Advocate. I’m always interested in hearing readers’ suggestions for possible stories or good candidates for “The Advocate Asks” interview of the week. Feel free to email me at mvoge@comcast.net. Do you have some interesting views on an issue that you want to express to the community? Submit your idea. If I like it, we can meet for a 15- to 20-minute interview at a local coff ee shop. And I’ll buy the coff ee. One Call Does It All! Call for a Free Estimate Landscaping & irrigation/construction & demoLition excavation & site Work • SPRING CLEAN-UPS • WEEKLY/BIWEEKLY LAWN SERVICE • NEW LAWN INSTALLS • MULCHING & EDGING • TREE & SHRUB PLANTING • BUSH & SHRUB TRIMMING • BOBCAT & EXCAVATION WORK • DEMOLITION & REMOVAL SERVICE • DUMPSTER RENTALS www.StevesServicesLLC.com 781-808-1061 617-908-0436 EVERETT MALDEN REVERE SAUGUS A dvocAte Newspapers Published weekly by The Advocate Newspapers, Inc. • MAIN OFFICE • 573 Broadway, Everett, MA 02149 Mailing Address: PO Box 490407, Everett, MA 02149 Telephone: (617) 387-2200 / (781) 286-8500 (781) 233-4446 / FAX: (617) 381-0800 Email us at: Jmitchell@advocatenews.net info@advocatenews.net James David Mitchell, Publisher James D. Mitchell, Editor The Advocate Newspapers, Inc. are free newspapers published every Friday. This newspaper assumes no financial responsibility for errors in advertisements printed herein, but will reprint without charge that part of an advertisement in which the error occurs. WASTE REMOVAL & BUILDING MAINTENANCE • Landscaping, Lawn Care, Mulching • Yard Waste & Rubbish Removal • Interior & Exterior Demolition (Old Decks, Fences, Pools, Sheds, etc.) • Appliance and Metal Pick-up • Construction and Estate Cleanouts • Pick-up Truck Load of Trash starting at $169 • Carpentry LICENSED & INSURED Call for FREE ESTIMATES! Office: (781) 233-2244 F lez. Ask your bank for help “Many banks and credit unions have stated they are willing to offer assistance to people who face temporary fi nancial hardship due to the coronavirus. These might include measures like being able to skip a payment, having temporarily lower rates, getting fees waived or having a credit line increase. If you fi nd yourself struggling fi nancially, call customer service to make your case. Make sure to clearly and politely articulate the reasons for your hardship.” Focus on maximizing savings “Most people’s jobs aren’t immune to the coronavirus. So, it’s a good idea to set aside as much money as you can from #5. Dress for success: Even if you are working from the kitchen table for now, don’t hang out in your pajamas. Dress as though you are going into the offi ce. Even go out the front or back door of your home and reenter your new place of work. #4. Have a dedicated place to work: When you are “at work,” let your family know it’s the same as if you were at the Four tips from a WalletHub expert to cope with the COVID-19 pandemic ollowing are tips from WalletHub Analyst Jill Gonzaeach paycheck in case coronavirus impacts your ability to work or causes you to have additional medical expenses. Even beyond the current situation, it’s always good to have an emergency fund. Avoid panicking about stocks, too, and just remember that it’s only a matter of time until the virus runs its course.” Take advantage of travel insurance but know the limits “If your travel provider cancels a trip because of the coronavirus, a ‘trip cancellation or interruption’ policy might help you get your money back. Some credit cards offer this benefi t for free, though issuers have been cutting back in recent years. Keep in mind that if you cancel your own trip out of fear of the virus, your insurance policy probably won’t cover you unless you have covoffi ce or out on the road. It is even better if there is a door to your place of work that you can close behind you. It’s symbolic but helps establish a pattern of work. #3. Reverse it: When you leave that dedicated place to work, dedicate your time to your family. Give them all of you once you leave that place erage for canceling ‘for any reason’ or doctor’s orders to quarantine yourself.” Use credit cards, not cash “Though there’s not much evidence to show that touching cash spreads coronavirus, it’s theoretically possible, and the Federal Reserve has been quarantining bank notes from Asia. China also burned some of its currency that had been circulated through the Wuhan area. Using a credit card’s contactless capability may help give consumers more peace of mind. Plus, credit cards can be used for online purchases, allowing consumers to avoid shopping at crowded stores. In addition, consumers that decide to stock up on essential items and spend more than usual in the coming months can recoup some of that expense, and get some extra time to pay, by using a rewards credit card.” Five tips for working at home of work in your home. #2. Take breaks: Take breaks just as you would at work. For lunch, leave your place of work in your home and join your family for lunch. #1. Regular schedule: Try and keep your regular schedule as if you were going into the offi ce. It will help you create as much normalcy as possible. * Carpet Cleaning * Upholstery Cleaning * Water Damage * Handyman Services (617) 930-1213 / www.bostonnorthservices.com Email: pdesantis@bostonnorthservices.com Velleca & Daughter, Inc. Is Your Home & Garden Ready For Spring? Residential & Commerical Construction * Landscape Construction * Walls * Patios * Foundations * Pressure Release Systems * Mold Remediation * Stucco Application * Downspout Drainage * Vapor Barriers * Concrete Floor Painting * Foundation Crack Repair * Pump & Battery Backup (617) 594-3547
21 Publizr Home