Getting to Work: North Central Businesses Unite to Tackle Transportation Challenges

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A business-led solution to one of our region’s greatest workforce challenges

After years of research, planning, and collaboration, North Central Massachusetts is taking a bold step forward in addressing one of our most persistent economic challenges: transportation barriers that limit workforce participation and business growth. The North Central Massachusetts Rides Transportation Management Association (TMA) represents an innovative, business-led approach to solving the transportation puzzle that has long hindered our region’s economic potential.

The Business Case for Action

Transportation barriers don’t just inconvenience workers—these are obstacles that directly impact bottom lines. When qualified employees do not have access to reliable transportation to commute to and from work, businesses face chronic staffing challenges, increased turnover costs, and limited access to talent pools. In our largely rural region, where many communities lack comprehensive public transit, these challenges are particularly acute.

The data tells a compelling story. According to the 2022 UMass Donahue Institute workforce study commissioned by the Chamber, transportation emerged as one of the top barriers preventing full workforce participation in North Central Massachusetts. The study found that while public transportation exists in the region, it faces significant limitations: the commuter rail is designed primarily to bring workers from North Central Massachusetts into Boston rather than around the region, and while the Montachusett Area Transit Authority (MART) provides essential fixed-route bus services throughout the region, the challenge is often the “last mile” connectivity between transit stops and workplaces. The study noted that “getting from commuter rail through the ‘last mile’ to their workplace is a challenge for workers in the area unless their employer happens to be along an existing route.”

“Using public transportation for commuting outside of Leominster, Fitchburg, and Ayer is not a viable option for job seekers,” the study noted, identifying this as a critical impediment to regional economic growth. The research specifically recommended developing a TMA for the North Central Massachusetts Region as a strategic solution to these transportation challenges.

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Understanding Transportation Management Associations

TMAs are membership-based, public-private partnerships that bring together employers, property owners, institutions, and municipalities to provide and promote transportation options for commuters. Think of them as regional cooperatives focused on solving practical business challenges through innovative transportation solutions.

TMAs complement—rather than compete with—existing public transit systems. While MART provides essential fixed-route bus services, the TMA will focus on more flexible, targeted solutions, such as shared shuttle services, and employer-specific transportation programs that can fill gaps in the existing transit network.

Bruno Fisher, administrator, MART, sees the TMA as a valuable partner in expanding regional mobility options. “MART is excited to be working collaboratively with the North Central Massachusetts Rides TMA and the diverse group of stakeholders the association is building. Our fixed-route services provide the backbone of public transportation in the region, but we recognize businesses and workers have diverse transportation requiring flexible solutions to supplement the services provided by MART. The TMA’s ability to provide targeted shuttle services and micro-transit options will complement our larger bus network perfectly by providing access to businesses outside the fixed route network and creating a more comprehensive transportation system that serves everyone better.”

Neil Angus, director of the Devens Enterprise Commission and a founding TMA member, sees the initiative building on proven success. “The Devens Shuttle we launched in 2017 in partnership with MART proved municipal-employer partnerships for transportation solutions can work. The Fitchburg Line Working Group has also worked to greatly improve MBTA commuter rail services in our region. The TMA takes this collaborative model region-wide, connecting municipalities, residents and employment centers across North Central Massachusetts. What we learned—that businesses collaborating with local, regional, and state government can solve challenges no single employer can tackle alone—is now scaling across North Central Massachusetts.”

TMAs have proven successful across Massachusetts, in places like the Route 128 corridor, the Middlesex 3 area, and in Greater Boston and Cambridge. They typically offer tools to facilitate carpools and vanpool formation, an emergency ride home program that guarantees alternative transportation for employees who commute via a shared transportation, shuttle services to fill critical transportation gaps, and transit planning and promotion to maximize use of existing public transportation.

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A Regional Response to Regional Challenges

The formation of our TMA didn’t happen overnight. It emerged from extensive community engagement led by the Health Equity Partnership of North Central Massachusetts (CHNA9) through their Anchor Collaborative initiative. This collaborative process involved healthcare providers, educational institutions, major employers, government offices, and transportation authorities across our region.

“Transportation has been consistently identified as a key contributor to health disparities in every Community Health Assessment process in our region since at least 2014,” explains Chelsey Patriss, executive director, CHNA9/Health Equity Partnership of North Central Massachusetts. “Through the Anchor Collaborative, we brought together institutions that employ thousands of people and serve even more residents to address this fundamental barrier to economic opportunity and health access. The TMA represents the practical, business-focused solution that emerged from this collaborative assessment.”

The initiative also aligns with the Chamber’s “One North Central” regional economic development plan, which identified transportation infrastructure as critical for regional growth, business attraction, and workforce development.

Chamber Leadership Driving Innovation

This initiative reflects the Chamber’s commitment to addressing real barriers facing members and the broader business community. Throughout the collaborative development process, the Chamber maintained a seat at the table, working alongside members and regional stakeholders to explore the formation of this innovative solution. Building on this commitment to regional leadership, the Chamber has agreed to serve as the host organization for the TMA, providing administrative infrastructure while the TMA operates as an independent affiliate with its own board, budget, and governance structure.

“This TMA initiative represents exactly the kind of innovative, collaborative approach our region needs,” said Roy Nascimento, president and CEO, North Central Massachusetts Chamber of Commerce. “We understand transportation challenges limit our businesses’ access to talent and our workers’ access to opportunity. By hosting this TMA as an affiliate organization, the Chamber maintains its leadership role in exploring the development of practical solutions to shared challenges. This isn’t just about transportation—it’s about strengthening our economic competitiveness and creating positive conditions for business growth.”

The TMA’s founding members represent a cross-section of our region’s major employers and institutions, each bringing unique perspectives and employee populations to the collaborative effort.

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Technical Expertise Driving Results

The TMA benefits from professional management by TransAction Associates, a Massachusetts-based firm with over 33 years of experience in transportation program management and TMA operations. Michele Brooks, director of consulting, TransAction Associates, brings deep expertise to the North Central Massachusetts region.

“TMAs work because they create economies of scale and shared resources individual employers couldn’t achieve alone,” Brooks explains. “In North Central Massachusetts, we’re seeing exactly the kind of collaborative spirit that makes TMAs successful. The region’s employers understand transportation challenges affect everyone, and they’re willing to work together on solutions. Rural TMAs face unique challenges due to geography and lower population density, but they also have opportunities to be innovative and responsive to specific community needs.”

Practical Benefits for Businesses

For Chamber members, TMA participation offers tangible benefits that directly impact business operations:

Cost Savings: Shared transportation resources reduce individual company investment in employee transportation while creating efficiencies to lower overall transportation-related costs.

Improved Recruitment and Retention: Enhanced transportation options expand the geographic area from which businesses can recruit talent, while employee satisfaction with commute options improves retention rates.

Reduced Absenteeism: Reliable transportation alternatives reduce weather-related and vehicle-related absences, improving operational consistency.

Environmental Benefits: Coordinated transportation initiatives help businesses meet sustainability goals and potentially qualify for environmental incentives.

Regional Economic Development: Improved transportation connectivity makes the entire region more attractive to new businesses and residents, creating a rising tide that lifts all regional enterprises.

Rozanna Penney, president and CEO, Heywood Healthcare and a founding member of the TMA, sees the program as essential for both workforce recruitment and patient access. “Healthcare is one of our region’s largest employment sectors, but we’re also acutely aware of how transportation barriers affect our patients’ ability to access care and our employees’ ability to get to work reliably. With 1,700 employees, we understand transportation solutions benefit not just our workforce, but the entire community we serve.”

Business-Led Governance and Participation

The TMA operates on its own membership and fee-for-service model, separate from Chamber membership, designed to be accessible to businesses of all sizes while ensuring sustainable operations. Membership dues are structured based on organization’s type and size, with different levels for employers, property owners, residential properties, and municipalities. This business-led investment model ensures all members have a voice in TMA governance—every member organization has the opportunity to designate a representative to serve on the TMA’s board of directors, keeping control firmly in the hands of the business community.

Tricia Pistone, AVP of external affairs at HealthAlliance-Clinton Hospital and chair of the TMA’s founding board, emphasizes the collaborative vision driving this initiative. “As healthcare providers, we see firsthand how transportation barriers impact not just our workforce, but the health outcomes of our community. Taking on the board chair role represents HealthAlliance’s commitment to being part of the solution. This TMA brings together the collective strength of our region’s major employers to tackle a challenge none of us could solve alone. By pooling our resources and expertise, we’re creating sustainable transportation solutions that will benefit our employees, our patients, and ultimately strengthen the economic vitality of North Central Massachusetts.”

Initial Programming and Future Growth

In addition to founding member commitments from the private sector, the TMA has received an $85,000 grant from MassDOT’s TMA Assistance Program to help establish operations. The TMA’s initial year will focus on getting the organization up and running and establishing core services, including implementing a ridesharing and trip planning platform, an emergency ride home program, and marketing initiatives. Ongoing collaboration with MART will also expand awareness and utilization of existing transportation options. Future programming may include shuttle services to fill identified gaps, expanded vanpool coordination, and specialized transportation solutions for shift workers and off-hours employment.

Jason Zelesky, vice president of student affairs and dean of students, Mount Wachusett Community College and a founding TMA member, emphasizes the connection between transportation and educational opportunity. “Our students often face significant challenges getting to campus and to work-study opportunities. Many are balancing education with employment, and reliable transportation is critical for their success. The TMA will help our students access not just education, but the career opportunities that follow graduation.”

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A Sustainable, Collaborative Model

Unlike traditional public transit systems that rely heavily on government funding, the TMA model creates sustainable financing through member investment, grant funding, and potential fee-for-service revenue. This reduced reliance on government funding also makes the TMA more flexible and responsive to market conditions and the specific needs of participating employers and workers. The organization has already secured preliminary member commitments of $30,000, in addition to the MassDOT grant.

“Transportation equity isn’t just a social good—it’s an economic necessity,” notes Nascimento. “When people can’t get to work, businesses can’t find workers. When patients can’t access healthcare, the overall health of those in our community suffers. The TMA addresses these equity concerns while strengthening our regional economy.”

The TMA is exploring additional funding opportunities to help employers with transportation solutions and is looking to recruit more members who face transportation challenges and would benefit from a collaborative solution.

Getting Involved

Chamber members interested in joining the TMA can contact Michele Brooks at TransAction Associates for information about joining the TMA and requirements. The TMA operates as a separate organization with its own board, budget, and finances, while benefiting from Chamber administrative support and regional connections.

“The TMA represents the kind of innovative, collaborative solution our region needs to compete in today’s economy,” concludes Patriss. “By working together, we can create transportation solutions that no single employer could achieve alone, while building an infrastructure for future economic growth.”

For more information about TMA membership opportunities, contact Michele Brooks at TransAction Associates or visit the Chamber website at www.NorthCentralMass.com .

The North Central Massachusetts Rides Transportation Management Association operates as an affiliate of the North Central Massachusetts Chamber of Commerce. TMA membership is separate from Chamber membership and operates under its own governance structure and fee schedule.

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Tough Stuff Recycling: Turning Hard-to-Recycle Waste into Sustainable Progress

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In today’s increasingly eco-conscious world, businesses that marry innovation with environmental responsibility are carving a vital path forward. One such trailblazer is Tough Stuff Recycling, a young yet dynamic company that has quickly emerged as a leader in the specialized recycling industry. Founded in 2022, this Fitchburg, Massachusetts-based operation is already making a significant impact across the Northeast by tackling one of the most overlooked areas in waste management: the recycling of mattresses, box springs, electronic waste, and bulky furniture items.

A New Generation of Recycling Services

Tough Stuff Recycling was established with a clear mission—to provide environmentally responsible solutions for hard-to-recycle materials. Over the past three years, the company has grown steadily, building relationships with municipalities, commercial waste haulers, hospitality businesses, universities, and major retailers. What sets Tough Stuff apart is its unwavering focus on reclaiming valuable materials that often end up in landfills. Through its advanced recycling systems, the company extracts foam, steel, textiles, and wood, helping reduce landfill dependency and supporting a broader shift toward a circular economy. This innovative model not only diverts thousands of pounds of waste from disposal but also contributes to sustainable material recovery and reuse.

High-Tech Facilities and Customer-Centric Solutions

At the heart of Tough Stuff Recycling’s operations is a state-of-the-art recycling facility located in Fitchburg, a strategically chosen site that underscores the company’s commitment to regional economic development and environmental stewardship. The facility features cutting-edge technology designed specifically to handle complex materials, with processes that are continually refined to achieve higher efficiency and material recovery rates. The company’s services are designed for convenience as well as impact. Customers can choose between curbside pickup and drop-off services, both aimed at making mattress and furniture recycling accessible to households and businesses alike. These flexible options demonstrate the company’s dedication to both service and sustainability.

Innovation at the Core

One of the hallmarks of Tough Stuff Recycling is its investment in innovation. The company stands out for its automated, high-throughput processing systems, including the first-of-its-kind machinery specifically developed for recycling pocket coil mattresses. This innovation alone has helped reclaim over 25 million pounds of steel from used mattresses—an achievement that showcases the scale of their environmental impact. With a forward-thinking mindset, the company is already integrating technologies such as artificial intelligence and automation to further streamline operations. These systems help sort and process materials more efficiently while lowering the company’s overall carbon footprint.

Culture and Community: A Dual Commitment

Inside the facility and beyond, Tough Stuff Recycling boasts a workplace culture rooted in passion, responsibility, and impact. The team is described as hardworking and mission-driven, unified by the goal of making tangible environmental improvements. According to spokesperson Mary Horsman, the company seeks employees who are “motivated, dependable, and driven to make a real environmental impact.” This values-based hiring approach has helped cultivate a strong internal culture that aligns with the company’s broader sustainability goals. Equally important is the company’s connection to its community, particularly North Central Massachusetts. “Fitchburg offers a strong sense of community and a strategic location for logistics,” Horsman notes. The region’s business-friendly environment and workforce have played a key role in Tough Stuff’s early success, providing a fertile ground for growth and collaboration.

Advocacy, Education, and Policy Engagement

Tough Stuff Recycling doesn’t limit its environmental mission to its own operations—it’s also an active advocate for progressive recycling policies at the state and regional levels. The company is a member of organizations like MassRecycle and regularly engages in public education and policy development, especially around Extended Producer Responsibility (EPR) legislation. Through these partnerships, Tough Stuff contributes to the shaping of sustainable waste management practices. The company frequently collaborates with government agencies, industry associations, and fellow recyclers to promote smart, scalable solutions that protect the environment while supporting economic growth.

Strengthening Regional Business Ties

As a proud member of the North Central Massachusetts Chamber of Commerce, Tough Stuff Recycling actively participates in efforts to boost local economies and foster regional development. “The Chamber’s mission mirrors our own,” says Horsman. “It’s about creating and sustaining meaningful relationships between businesses and the community.” Through the Chamber, the company accesses professional development programs, networking opportunities, and a powerful platform for legislative advocacy. These resources are vital as the company looks to expand its services and continue driving innovation in the recycling space.

A Bright Outlook for the Future

Despite being a relatively new player, Tough Stuff Recycling is already looking toward the future with ambitious goals. With the infrastructure, talent, and partnerships in place, the company is poised to scale operations throughout the Northeast, bringing its environmentally responsible solutions to a broader array of communities. The demand for mattress and bulky item recycling is only expected to grow in the coming years, especially as more states and municipalities adopt EPR mandates and implement stricter landfill regulations. Tough Stuff is well-positioned to meet this demand, thanks to its deep expertise, high-performance facility, and proactive engagement with policy and industry leaders.

Recognition and Growth

In just a few short years, Tough Stuff Recycling has transformed from a local operation into a multi-state service provider, operating successfully in both regulated and free-market environments. This rapid growth is a testament to the company’s adaptability and focus on quality. A standout achievement—recycling more than 25 million pounds of pocket coils—not only highlights the technical sophistication of Tough Stuff’s operations but also reflects the leadership of its visionary CEO, who pioneered the very system that made it possible.

Spreading the Word

To promote its services, Tough Stuff Recycling relies on strategic partnerships with associations and coalitions that span the recycling and hospitality industries. Organizations like MassRecycle, New Hampshire Recycles, and the Northeast Recycling Council help connect the company with municipalities and commercial entities that can benefit from their services. This network-based approach has proven to be highly effective, enabling Tough Stuff to grow its visibility while aligning with like-minded partners who share their commitment to sustainability. Tough Stuff Recycling is more than just a business—it’s a mission-driven organization reshaping how we think about waste, sustainability, and community engagement. With a foundation built on innovation, a commitment to environmental responsibility, and strong local roots, this Fitchburg-based company is proving that tackling the “tough stuff” is not only possible but also essential for a cleaner, greener future. As the world grapples with mounting waste and limited landfill space, companies like Tough Stuff Recycling show that practical solutions are already within reach—solutions that protect the planet, empower communities, and drive economic progress.

For more details, visit: www.toughstuffrecycling.com.

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Chamber Hosting Office Hours With State Economic Development Officials

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In a partnership with the Massachusetts Office of Business Development (MOBD), MassDevelopment, and MassHire, the North Central Massachusetts Chamber of Commerce will be hosting state economic development officials for one-on-one appointments with local developers, manufacturers, and business owners. The meetings are an opportunity to discuss any specific matters related to their business or the expansion of their business, as well as to review state resources available to support business growth and expansion.

Kevin Kuros, Central Massachusetts Director for MOBD; Rob Anderson, Senior Vice President of MassDevelopment; Chuck Merrill, Senior Loan Officer for MassDevelopment; and Scott Percifull, Program Coordinator for MassHire, will be available at the Chamber office by appointment on Wednesday, September 24, between 10:00 a.m. and 12:00 p.m. The appointments are in thirty-minute increments and are first-come, first-served. The meetings are free and confidential, available on a non-discriminatory basis, and are handicapped accessible.

MOBD is the state’s economic development office and manages the Economic Development Incentive Program (EDIP), which provides tax credits for qualifying business expansion projects. In addition, MOBD directors are navigators in the state’s new Business Front Door portal, through which businesses can manage their interactions with state agencies and related quasi-public agencies. MOBD is also the home of the Massachusetts Center for Employee Ownership (MassCEO), which provides resources and information for businesses exploring employee ownership models, often as a succession planning strategy.

MassDevelopment, the state’s development finance agency and land bank, works with businesses, nonprofits, banks, and communities to stimulate economic growth across the Commonwealth. During FY2023, MassDevelopment financed or managed 545 projects generating investment of more than $2 billion in the Massachusetts economy. These projects are estimated to create or support 10,522 jobs and build or preserve 1,583 housing units. MassDevelopment has a variety of financing programs to address the needs of small businesses, from equipment to real estate to working capital.

MassHire Rapid Response coordinates state and federal resources for businesses, offering a single point of contact to multiple programs. The MassHire Rapid Response team provides layoff prevention, early intervention re-employment, layoff management, and outplacement services to companies and their employees. Additionally, we offer employment and training resources, including assistance with recruitment, hiring, and tax credit programs.

To schedule an appointment, contact Sandie Cataldo, Senior Economic Development Manager at the North Central Massachusetts Chamber of Commerce at 978.353.7600 ext. 232 or via email at .

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Strategic Progress Report: 2025 Results

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At the North Central Massachusetts Chamber of Commerce, we believe in setting ambitious goals and measuring our progress against them. As we prepare to launch our new three-year strategic plan this fall, we’re taking a transparent look back at how we performed against the measurable objectives we established in our 2022-2025 Strategic Plan.

Why We Measure Our Impact
Strategic planning without accountability is just wishful thinking. By tracking specific metrics across our five core goal areas, we ensure that every initiative, program, and partnership we pursue directly contributes to strengthening the regional economy and creating value for our members.

Our Results: The Full Picture
The comprehensive results below show both our significant achievements and the areas where we continue working toward our ambitious targets. We exceeded expectations in several key areas—including helping facilitate $497M in direct visitor spending (far surpassing our $200M goal) and successfully launching transformative initiatives like the Regional Business Investment Fund and North Central Massachusetts Land Bank.

At the same time, we faced challenges in areas like loan generation and job creation, reflecting the complex economic landscape and resource constraints that many regional organizations navigate. These mixed results provide valuable insights that are directly informing our upcoming strategic framework.

Looking Forward
This honest assessment of our progress demonstrates our commitment to continuous improvement and strategic focus—principles that drive our success in delivering measurable impact for North Central Massachusetts. The lessons learned from this three-year period are shaping our next chapter, ensuring we set realistic yet ambitious goals that reflect both our capabilities and our region’s greatest opportunities.

We invite you to review the detailed results here and share your thoughts as we finalize our new strategic direction.

Strategic Progress Report: 2025 Results

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Massachusetts Youth Soccer Association Marks a Half Century of Service and Growth

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Founded in 1974, the Massachusetts Youth Soccer Association (commonly known as Mass Youth Soccer or MYS) celebrated its 50th anniversary in 2024—a milestone commemorating five decades of development, inclusion, and community soccer across the Commonwealth. Spokesperson Jaime Balboni reflects: “This anniversary wasn’t just about looking back—it’s an occasion to reaffirm our mission: to serve, educate, and provide safe soccer play for all.”

Uniting Youth Through Soccer

One of the North Central Massachusetts Chamber’s newest members, Mass Youth Soccer functions as the governing body for soccer in Massachusetts., overseeing programming, policies, and support for more than 100,000 young players and over 20,000 adult volunteers. The organization delivers a wide array of player development programs, coach and referee education, risk management initiatives, and organizational support for affiliated clubs and leagues. Their work structures the backbone of youth soccer throughout the state, ensuring quality and consistency across all levels. Their mission, as stated, is “to serve, educate, and provide safe soccer play for all,” underpinned by a vision to “lead, inspire & unite soccer communities,” and rooted in values like fun, growth, inclusion, integrity, respect, compassion, and belonging—all reaffirmed in a March 2023 update to their mission‑vision‑values platform

Programs That Matter

  • Mass Youth Soccer offers numerous programs that touch every corner of youth soccer:
    • TOPSoccer, created for athletes with intellectual, emotional, or physical disabilities, ensures that no player is excluded from the joy of sport.
    • The Olympic Development Program (ODP) aims to identify and nurture elite players, focusing on individual growth and holistic development through rigorous tryouts and seasonal camps
    • The Districts (formerly District Select Program), launched each summer, provides pressure‑free competition across seven districts, leading up to a community event at Progin Park. The 2025 season began July 6, with district games followed by a culminating event in early August
    • The Town Select League (TSL) works in partnership with town-based soccer organizations to give players a higher level of development and select-level competition. TSL practices weekly and plays Sunday matches, offering structured development with minimized travel and cost
    • Futsal programming through affiliated leagues such as the Coastal Youth Futsal League provides year-round, small-sided indoor soccer opportunities
    • Resources such as session planning guides for volunteer coaches—covering U6 to U12 levels—and user-friendly educational tools like Play‑Practice‑Play methodology support effective grassroots coaching across the state
    • Empowering Coaches, Referees & Organizations
    •  Mass Youth Soccer emphasizes education and certification:
    • Coach education includes workshops, certification courses, survival guides, and technical resources that equip volunteers to be effective mentors.
    • Referee development and risk management are central, especially with the enforcement of U.S. Soccer’s Policy 531‑9 (misconduct toward officials) beginning March 1, 2025, which governs all Mass Youth Soccer‑sanctioned play . All adult volunteers must complete SafeSport, concussion awareness training, and pass CORI and national background checks
    • They provide a Member Toolkit—a comprehensive administration guide for club officers, helping organizations comply with governance best practices, waivers, financial guidelines, and safe operations
    • Governance is provided by a volunteer Board of Directors, elected at the Annual General Meeting, which helps steer strategy, policy, and organizational direction

Culture & Organizational Values

“Our workplace culture is collaborative, mission‑driven, and grounded in values of fun, growth, inclusion, and integrity,” says Balboni. The team is committed to creating a supportive environment where staff feel valued, respected, and empowered—a reflection of the culture Mass Youth Soccer encourages across its broader community. In hiring, Mass Youth Soccer seeks individuals who are passionate about youth development, collaborative in spirit, committed to diversity, and aligned with their core organizational values.

Community Impact & Influence

Mass Youth Soccer’s impact is felt statewide. Through TOPSoccer, thousands of youth with disabilities gain structured and supportive play opportunities. Their partnerships with local clubs, leagues, and partner organizations help deliver programming in both urban and underserved communities. The organization’s influence is rooted in the hundreds of volunteers, coaches, and referees—the backbone of local soccer—who bring passion and commitment every day. National and international soccer organizations shape the association’s standards in safety, inclusion, and player development. Most importantly, the families and communities who participate continually influence how programs evolve to remain relevant and accessible.

Looking Ahead: A Vision for the Future

“Our future is bright,” Balboni affirms. Mass Youth Soccer is focused on:

  • Enhancing player development structuring across programs like Districts, TSL, ODP, and TOPSoccer.
  • Advancing coach and referee education, leveraging technology and streamlined access to certification courses.
  • Expanding access to the game—particularly in underserved and urban areas—via outreach efforts and inclusive programs.
  • Strengthening community partnerships, enhancing collaboration with clubs, leagues, schools, and local organizations that share the mission.
  • Their goal is to grow the game in a manner that stays true to their core values: fun, growth, inclusion, and integrity.

Why It Matters

In an age where youth involvement in sports is often challenged by cost, safety concerns, and access barriers, Mass Youth Soccer stands out as a state-level organization purpose-built to tackle these issues head-on. They provide programming that is affordable, inclusive, and grounded in player-centered development. By supporting coaches and referees, educating volunteers, ensuring compliance and safety, and championing inclusive initiatives like TOPSoccer, Mass Youth Soccer plays a critical leadership role in making soccer a positive, community-building experience across Massachusetts. As Balboni summed it, “Our 50-year milestone is not the end of our journey—it’s a launching pad. We remain committed to shaping soccer environments where every youth can play, grow, and belong.” This forward-looking perspective, rooted in a legacy of service since 1974, positions Mass Youth Soccer to continue strengthening communities, empowering volunteers, and connecting children with the joy and lifelong benefits of the beautiful game.

For more information
Contact: Jaime Balboni, Mass Youth Soccer Association, Lancaster, MA
Website: www.mayouthsoccer.org

Phone: (978) 466‑8812

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North Central Massachusetts Chamber of Commerce and Leadership Dynamics, Inc. Announce Exclusive Professional Development Partnership

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Partnership to provide Chamber members with exclusive training discounts and professional development

 The North Central Massachusetts Chamber of Commerce and Leadership Dynamics, Inc. today announced they have partnered to develop an Affinity Program for Chamber members designed to enhance professional leadership development and training opportunities. Additionally, participants may qualify for reimbursement through the existing Massachusetts Workforce Training Fund.

“This partnership addresses an important business need to develop strong leadership capabilities and improve workforce productivity for our region’s employers,” said Roy M. Nascimento, president and CEO, North Central Massachusetts Chamber of Commerce. “In addition to offering substantial discounts, the program will empower members with the leadership tools and training they need to thrive in today’s competitive marketplace while also building stronger internal teams.”

Key features of the affinity program include:

  • 20% exclusive discount on all Leadership Dynamics training programs
  • Access to live, interactive virtual-based training utilizing cutting-edge educational platforms
  • Potential tuition reimbursement through the Massachusetts Workforce Training Fund (up to $3,000 per person, $15,000 annual company cap)
  • A variety of public, exclusive company or chamber-exclusive cohorts
  • Programs designed for companies seeking to grow sales, expand operations, navigate change, or enhance team performance

With more than 30 years of experience, Leadership Dynamics specializes in helping companies develop leadership teams, improve employee productivity, and increase profitability. The company offers two flagship programs: Workplace Productivity (foundational training covering goal setting, time management, communication, and delegation) and Workplace Leadership and Coaching (advanced program focusing on developing coaching skills and talent retention strategies).

Paul Brown, president, Leadership Dynamics, said of the partnership, “We are thrilled to partner with the North Central Massachusetts Chamber of Commerce to bring our comprehensive leadership development programs to the local business community. Having worked with hundreds of companies from startups to Fortune 500 organizations, we understand the critical role that effective leadership plays in business success. This partnership allows us to extend our expertise to support the economic vitality of North Central Massachusetts.”

All programs are offered in a virtual setting and delivered live with instructor feedback and mentorship coaching throughout the program duration. The training is especially valuable for companies that want to grow sales or productivity, are hiring or expanding, face management challenges, are navigating growth or reorganization, or have previously invested in training and development.

Chamber members can access these exclusive benefits by completing the registration process. Leadership Dynamics will then work directly with the Chamber to verify membership and apply the appropriate discounts. Members are encouraged to explore grant funding opportunities through the Massachusetts Workforce Training Fund.

For more information about the program and benefits, Chamber members can visit leadershipdynamicsinc.com or northcentralmass.com/affinity-programs.

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North Central Massachusetts Development Corporation approves financing for HaBBQ

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The North Central Massachusetts Development Corporation (NCMDC), the economic development arm of the North Central Massachusetts Chamber of Commerce, recently approved financing of $50,000 for the purchase of a food trailer to establish HaBBQ, a food truck business based in Rutland. Business planning was provided by the Small Business Development Center at Clark University.

Turning his passion into a business, HaBBQ Owner Jordan El-Qasem wanted to provide a unique flavored BBQ, which blends traditional Texas-style BBQ with Middle Eastern spices, while also offering halal-certified meats. Halal-certified meat adheres to Islamic law and is permissible for Muslims to eat.

“I’ve been working to perfect my recipe for the past five years and I’m looking forward to sharing my unique take on traditional BBQ with foodies, BBQ enthusiasts, and the entire community,” said El-Qasem. “The North Central Development Corporation and the Small Business Development Center made it possible for me to turn my passion into an established business with their expertise, knowledge and guidance toward the financing and business acumen I needed to make my dream come true.”

HaBBQ can be found at various food festivals, breweries, events and venues throughout central Massachusetts every weekend. For more information and a current schedule visit HaBBQ on Facebook

As a microloan lender, NCMDC can provide loans to small businesses up to $250,000 for working capital, real estate, equipment, inventory, expansion and working with our banking partners to provide gap financing for the final piece of a project.

For more information about the NCMDC loan programs, please call 978.353.7607 or visit NorthCentralMass.com or ChooseNorthCentral.com

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Good Morning North Central Recognition

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Celebrating Excellence in North Central Massachusetts

Throughout the year, we celebrate the businesses and individuals who make North Central Massachusetts a thriving place to live, work, and grow. The Good Morning North Central Recognition Program puts a spotlight on the remarkable achievements and lasting contributions of our Chamber members.

About the Program

The mission of the Good Morning North Central Recognition Program is to highlight and celebrate Chamber members who make significant contributions to our region. While the Good Morning North Central Breakfast series focuses on learning and networking, the recognition program specifically honors individuals, civic entities, projects, businesses and organizations that are Chamber members for their major contributions to economic growth, improvement of the quality of life in the region, major milestones and other activities that enhance North Central Massachusetts. The goal is to showcase during the breakfast program the full spectrum of our members’ achievements and their positive impact on our communities.

Recognition Categories

Business Milestone Recognition

Celebrating Chamber member businesses reaching major milestones in 25-year increments: 25, 50, 75, and 100+ years of service to North Central Massachusetts.

Leadership Transitions

Honoring new executive leadership that brings fresh vision and energy to our region, including new Presidents, CEOs, or Executive Directors of major regional employers (25+ employees) and new leadership of educational institutions and significant community organizations.

Major Business Development

Recognizing substantial investments that strengthen our regional economy through significant new business openings with major regional impact, major facility expansions or developments, and substantial workforce growth initiatives.

Individual Achievement & Major Recognition

Celebrating exceptional accomplishments that bring positive recognition to North Central Massachusetts, including major industry awards from recognized organizations, significant civic honors and community leadership, and breakthrough innovations with substantial regional impact.

Community Enhancement

Highlighting projects and initiatives that improve our region through major construction and infrastructure improvements, economic development initiatives, and programs that enhance quality of life in North Central Massachusetts.

Program Highlights

  • Chamber Members Only – Recognition exclusively for current Chamber members
  • Regional Impact Focus – Celebrating achievements that benefit North Central Massachusetts
  • Quarterly Recognition – 3-5 honorees featured at select breakfast events
  • Professional Presentation – Honorees receive recognition at our well-attended breakfast series
  • Community Celebration – Highlighting the full spectrum of member achievements
  • Attendance Required – If selected for recognition, honorees must attend the breakfast event to accept the honor
  • Rolling Nominations – Submissions accepted year-round with regular committee review
  • Alternative Recognition – Some nominations may be better suited for other Chamber programs such as ribbon cuttings or member profiles

How to Nominate

Who Can Nominate: Anyone can submit nominations, including self-nominations from Chamber members

Nomination Process: Complete our online nomination form with details about the achievement, milestone, or contribution

Review Process: A committee reviews all nominations based on established criteria, regional impact, and program goals

Recognition Events: Selected honorees are invited to attend a Good Morning North Central Breakfast as guests of the Chamber to accept their recognition

Ready to Nominate?

Know a Chamber member who deserves recognition? We want to hear about their achievements and contributions to North Central Massachusetts.

Nominate Now

Questions about the program? Contact us at or call 978.353.7600 ext. 235.

Frequently Asked Questions

Q: Can I nominate myself?
A: Yes! Self-nominations are welcome and encouraged.

Q: Would a new small business opening or expansion qualify for recognition?
A: New business openings and expansions are wonderful milestones that we love to celebrate! However, a Ribbon Cutting Ceremony would be the more appropriate option for these occasions. The Chamber offers this FREE service to current and new members who have opened their business in the last 12 months, moved to a new location, changed ownership, or been remodeled/expanded. Ribbon cuttings are specifically designed to help you kick-off your grand opening, meet key community leaders, and get acquainted with your neighbors and fellow Chamber members. We also have other channels to help promote your business through our website, social media, and member communications. For more information about scheduling a ribbon cutting, contact us at or 978.353.7600.

Q: Can businesses nominate their employees for recognition?
A: Yes! While Leadership Transitions recognition is reserved for top organizational leaders only, all employees of Chamber member businesses are eligible for our other recognition categories. The key requirement is that their achievement must be exceptional and bring significant positive recognition to both North Central Massachusetts and their employer. Examples of qualifying achievements include receiving major national awards, developing breakthrough patents, or earning prestigious industry recognition that elevates our region’s reputation. Personal milestones like new degrees, professional certifications, or internal promotions are wonderful accomplishments that we’d be happy to celebrate through our social media, member newsletters, and other promotional channels, but they don’t meet the criteria for breakfast recognition.

Q: I am a senior-level official at my company and was recently promoted. Would I qualify for Leadership Transitions recognition?
A: Congratulations on your promotion! While the Leadership Transitions category is specifically limited to top leaders (Presidents, CEOs, Executive Directors), we have other great ways to recognize your career advancement. We’d love to feature your promotion in our member news, social media channels, or through other promotional opportunities. Your achievement is definitely worth celebrating, and we’ll help you find the right channel to do so!

Q: Will honorees need to give a speech?
A: No speech is required. They simply need to be present to accept their recognition. We will take pictures during and after the program to share on our channels, and we may ask for a quote from the honoree to help share their story, but there’s no pressure to speak publicly. The focus is on celebrating your achievement, not putting you on the spot!

Q: Who attends the Good Morning North Central Breakfasts?
A: Our breakfast events attract business leaders, community officials, Chamber members, and other professionals from across North Central Massachusetts. It’s an excellent networking opportunity where you’ll be recognized in front of influential members of our regional business community.

Q: How will my recognition be promoted beyond the breakfast event?
A: We’ll highlight your recognition across our media channels, including our website, newsletters, and social media platforms where we have a strong following of over 50,000 followers. This extends the reach of your recognition well beyond the breakfast attendees.

Q: When are the breakfast events held?
A: Good Morning North Central Breakfasts are held in September, November, January, and March. We do not present recognition awards in May since we focus on our scholarship recognition that month.

Q: What qualifies for Individual Achievement & Major Recognition?
A: This category is for exceptional achievements that bring positive recognition to North Central Massachusetts. Examples that would qualify include major industry awards from recognized organizations (like “National Manufacturer of the Year,” “Ernst & Young Entrepreneur of the Year,” or “Inc. 5000 Fastest Growing Companies”), significant civic honors (like Presidential Medal of Freedom, Malcolm Baldrige Quality Award, or being appointed to a federal commission), or breakthrough innovations with substantial regional impact (like developing a patented technology that creates significant local jobs or receiving national recognition for environmental innovation). Personal achievements like earning a new degree, professional certifications, completing training programs, or being appointed to a nonprofit board are wonderful accomplishments that we’d love to help you celebrate through other channels, but they wouldn’t meet the criteria for breakfast recognition since they don’t have the broader regional impact we’re highlighting at these events.

Q: What qualifies for Community Enhancement recognition?
A: This category recognizes substantial projects or initiatives that improve quality of life across North Central Massachusetts. Examples that would qualify include major infrastructure projects (like building a new community center or recreational facility), significant economic development initiatives, or large-scale construction projects that benefit the broader region (like developing a major mixed-use development or industrial park). Smaller community contributions like sponsoring a local event, volunteering for a charity drive, or donating to a nonprofit are valuable community support that we appreciate, but they would be better recognized through other channels as they don’t represent the major regional enhancement projects this category is designed to highlight.

Q: What if my nominee isn’t selected?
A: We appreciate every nomination we receive! Since we limit recognition to 3-5 honorees at each breakfast to ensure meaningful focus on each recipient, we may hold your nomination for a future breakfast event when the timing and program balance work better. Alternatively, we may reach out to suggest that your nominee would be an excellent fit for another Chamber recognition program that might be more appropriate for the specific achievement, such as our ribbon cutting ceremonies, member spotlights, or other promotional channels. Our goal is to celebrate all our members’ successes through the most fitting recognition opportunity.

Q: How often are recognitions presented?
A: We target 3-5 recognitions at select breakfast events throughout the year, maintaining geographic and category diversity.

Q: Do nominees have to be Chamber members?
A: Yes, this program exclusively recognizes current Chamber members and their achievements.

Q: What makes a strong nomination?
A: Focus on achievements with clear regional impact, specific details about the contribution or milestone, and how it enhances North Central Massachusetts.

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H.R. 1- Big Beautiful Bill Act: What North Central Massachusetts Businesses Need to Know

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A Legislative Update for Members of the North Central Massachusetts Chamber of Commerce

Overview

The One Big Beautiful Bill Act is a budget reconciliation bill that reduces taxes, modifies spending for various federal programs, increases the statutory debt limit, and addresses agencies and programs throughout the federal government that was signed into law by President Trump on July 4, 2025. This budget reconciliation package consolidates policy priorities from 10 Senate committees into a single, sweeping legislative framework with 870 pages of provisions that significantly impact tax policy, business operations, and federal spending across multiple sectors.

Key Business Tax Provisions

Small Business Benefits

Qualified Business Income Deduction (Section 199A)

  • Makes the 20% qualified business income deduction permanent (originally set to expire December 31, 2025)
  • Expands the phase-in range by increasing thresholds from $50,000/$100,000 to $75,000/$150,000 for single/joint filers respectively
  • Introduces an inflation-adjusted minimum deduction of $400 for taxpayers with at least $1,000 of qualifying business income

Enhanced Business Expensing

  • Permanent 100% bonus depreciation for qualified property acquired and placed in service after January 19, 2025
  • Increases Section 179 small business expensing cap from $1.25 million to $2.5 million
  • Temporary 100% expensing for certain newly constructed nonresidential real property used in qualified production activities (construction must begin after January 19, 2025, and before January 1, 2029)

Research and Development

  • Permanently restores the ability to immediately expense domestic research and experimental expenditures for tax years beginning after December 31, 2024

Business Interest Deduction

  • Reinstates the more favorable EBITDA-based calculation for business interest deduction limits, replacing the less favorable method that had been in effect since 2022

State and Local Tax (SALT) Deduction Relief

  • Temporarily increases the SALT deduction cap from $10,000 to $40,000 for individual taxpayers ($20,000 for married filing separately) beginning in 2025 through 2029
  • Phases out for taxpayers with modified adjusted gross income over $500,000 ($250,000 for married filing separately), but the deduction cannot fall below $10,000
  • Cap increases by 1% annually through 2029, then reverts to $10,000 permanently in 2030
  • Particularly benefits small business owners in pass-through entities (partnerships, S corporations, LLCs) who pay state and local taxes on business income through their individual returns
  • Preserves existing pass-through entity tax (PTET) workarounds that many states have implemented, allowing small businesses to continue deducting state taxes paid at the entity level

Reporting Relief

  • 1099-K relief: Reverses the planned reduction of 1099-K reporting thresholds, reinstating the $20,000 and 200 transaction requirements (previously scheduled to drop to $600 for 2026). This significantly reduces reporting burdens for businesses using payment platforms.
  • 1099-MISC/NEC threshold increases: Raises reporting thresholds from $600 to $2,000 for independent contractor payments beginning in 2026, reducing administrative burden for businesses hiring freelancers or contractors.

Individual Tax Changes Affecting Business Owners

Personal Income Tax Rates

  • Makes permanent the individual tax rates of 10%, 12%, 22%, 24%, 32%, 35%, and 37% from the 2017 Tax Cuts and Jobs Act
  • Increases standard deduction to $15,750 for single filers, $23,625 for heads of household, and $31,500 for married filing jointly (adjusted for inflation)

Estate Tax Provisions

  • Permanently increases estate tax exemption to $15 million for single filers ($30 million for married filing jointly) beginning in 2026, indexed for inflation

Employee-Related Provisions

No Tax on Tips and Overtime

  • Tips Provision: Eliminates federal income tax on qualified tips up to $25,000 annually
    • Income limitations: Deduction phases out for individuals earning more than $150,000 ($300,000 for joint filers) – reduced by $100 for each $1,000 over the threshold
    • Occupational restrictions: Limited to occupations that “customarily and regularly received tips” on or before December 31, 2024 (Treasury Secretary must publish qualifying occupations list within 90 days)
    • Qualifying industries: Expected to include waitresses/waiters, rideshare and food delivery drivers, taxi drivers, beauticians, hair dressers, bartenders
    • Excluded industries: Not available for certain industries (specific list to be published by Treasury for later guidance)
    • Cash tips only: Includes cash payments and charged tips, excludes non-cash tips (gift baskets, movie tickets, etc.)
    • Service charges excluded: Mandatory service charges and auto-gratuities do not qualify
    • Social Security/Medicare taxes still apply: Only eliminates federal income tax, not payroll taxes
  • Overtime Provision: Eliminates federal income tax on qualified overtime pay up to $12,500 annually ($25,000 for joint filers)
    • Income limitations: Same phase-out thresholds as tips provision ($150,000/$300,000)
    • FLSA requirement: Only applies to overtime required under Fair Labor Standards Act, not state law or voluntary overtime
    • Premium pay only: Only the premium portion of overtime pay qualifies (e.g., if regular pay is $10/hour and overtime is $15/hour, only the $5 premium qualifies)
  • Temporary provision: Both tips and overtime deductions expire after 2028

Child Tax Credit

  • Permanently increases the child tax credit to $2,200 per qualifying child beginning in 2025

Enhanced Family and Medical Leave Tax Credit

  • Makes permanent the employer tax credit for paid family and medical leave (originally set to expire December 31, 2025)
  • Credit ranges from 12.5% to 25% of wages paid to qualifying employees during family and medical leave
  • New provision allows employers to claim the credit against premiums paid for qualifying paid leave insurance policies
  • Expands qualification requirements, allowing employers to reduce the employment period requirement from one year to six months
  • Allows employers previously disqualified by state leave requirements to qualify by counting amounts above what is required by state law

Employer-Provided Childcare Benefits

  • Dramatically increases the maximum employer-provided childcare tax credit from $150,000 to $500,000 annually
  • Increases the percentage of covered expenses from 25% to 40% of qualified childcare expenses
  • Special benefits for small businesses: Maximum credit increases to $600,000 with a 50% credit rate for eligible small businesses (those with gross receipts of $31 million or less in 2025)
  • New childcare pooling provision: Allows small businesses to pool their resources together to provide childcare services to their employees while retaining eligibility for the tax credit
  • Permits businesses to utilize third-party intermediaries for childcare services while maintaining credit eligibility

Student Loan Assistance

  • Makes permanent the exclusion of employer-paid student loan repayments from employees’ taxable income
  • Maintains the $5,250 annual limit with inflation adjustments beginning in 2027

Economic Impact Analysis

According to the Congressional Budget Office, the legislation would increase deficits by $2.4 trillion over 10 years, with additional debt service costs of $551 billion, bringing the total deficit impact to $3.0 trillion. Independent analysis estimates the Act would increase long-run GDP by 1.2 percent while reducing federal tax revenue by $5 trillion over the next decade.

Potential Challenges for Businesses

Healthcare and Labor Costs

  • Medicaid coverage reductions: The Congressional Budget Office estimates that 11.8 million Americans could lose health coverage under Medicaid over the next decade, potentially increasing the number of uninsured workers in the labor pool. This may lead to:
    • Higher demand for employer-sponsored health insurance as workers lose public coverage
    • Increased healthcare costs for businesses that provide insurance
    • Greater likelihood of employees seeking jobs specifically for health benefits
    • Potential productivity impacts from workers with untreated health conditions
  • SNAP cost-shifting: Shifts costs of the Supplemental Nutrition Assistance Program (SNAP) to states with error payment rates above 6%, beginning in 2028. This could result in:
    • Reduced SNAP benefits in affected states, potentially increasing financial stress on lower-wage employees
    • Higher employee turnover as workers struggle with food insecurity
    • Increased requests for wage advances or emergency assistance from employers
    • Greater need for employee assistance programs
  • Healthcare Provider Business Impacts: Healthcare businesses face specific operational challenges:
    • Reduced patient volumes as 11.8 million Americans lose Medicaid coverage, directly impacting revenue for hospitals, clinics, and other healthcare facilities
    • Provider tax limitations with maximum rates gradually decreasing to 3.5% by FY2032, potentially reducing state funding available to support healthcare facilities
    • Rural healthcare funding provides $50 billion over five years (2026-2030) but ends in 2030 and may not offset broader Medicaid reductions
    • State-directed payment limits restricting payments for hospital and healthcare services under Medicaid managed care contracts to Medicare payment rates rather than higher commercial rates
    • Increased uncompensated care as more people become uninsured, straining finances particularly for safety-net hospitals and community health centers

Energy Sector Changes

  • Terminates numerous tax incentives from the 2022 Inflation Reduction Act for clean energy, electric vehicles, and energy efficiency programs
  • Ends tax credits for new and used electric vehicles, installation of home EV charging equipment, and energy efficiency improvements

Regional Considerations for North Central Massachusetts

Manufacturing and Production Benefits

The enhanced business expensing provisions and R&D incentives should particularly benefit the region’s manufacturing sector, allowing for immediate deduction of equipment purchases and domestic research investments.

Service Sector Impact

The permanent 20% qualified business income deduction will continue to benefit many service businesses in the region. The no-tax provisions on tips and overtime will primarily benefit middle-income workers in qualifying occupations, as lower-income tipped workers often already owe little to no federal income tax. Higher-earning tipped workers (over $150,000) will see the benefit phase out. The enhanced FMLA tax credit and childcare pooling provisions create new opportunities for small businesses to collaborate on employee benefits.

Small Business Support

The increased Section 179 expensing limits and enhanced bonus depreciation provide significant tax advantages for small and medium-sized businesses looking to invest in equipment and expansion. The childcare pooling provision is particularly beneficial for North Central Massachusetts small businesses looking to improve employee recruitment and retention. It allows multiple small employers to work together to provide childcare services that might be individually unaffordable, while all participants remain eligible for the enhanced tax credit – helping address one of the biggest challenges working parents face when choosing employers.

Impact on Massachusetts State Government and Programs

Based on Congressional Budget Office estimates and the official legislation, Massachusetts faces several significant impacts from the One Big Beautiful Bill Act that extend beyond the business provisions outlined above.

Healthcare System Changes: The Congressional Budget Office estimates that 11.8 million Americans will lose health insurance coverage by 2034 due to new Medicaid work requirements, eligibility changes, and marketplace modifications. Massachusetts, having expanded Medicaid under the Affordable Care Act, will face new federal work requirements for non-disabled adults aged 19-64 in the expansion population. The state will also experience limited ability to fund the state share of Medicaid and overall decreased federal funding for state Medicaid programs, along with increased administrative burden for state eligibility staff.

Food Assistance Program Changes: Starting in 2028, Massachusetts will be required to pay a share of SNAP benefits based on the state’s payment error rates, representing a shift from the current system where the federal government pays the full cost. This change will require the state to either increase funding for food assistance or potentially reduce benefits if federal funding gaps cannot be filled.

Higher Education Funding: The legislation modifies Pell Grant eligibility requirements and eliminates grants entirely for students attending college less than half-time, which will disproportionately impact community colleges. However, the Act also creates new “Workforce Pell Grants” for students enrolled in eligible workforce programs that provide 150-600 clock hours of instruction over a minimum of 8 weeks, potentially benefiting community colleges and other accredited training providers that offer short-term workforce programs. These changes could affect thousands of Massachusetts students, particularly those in workforce development and continuing education programs.

State Fiscal Response: According to the Congressional Budget Office’s distributional analysis, the legislation will affect state fiscal responses through changes in state taxes and spending resulting from changes in federal program funding. Massachusetts will need to make policy decisions about whether to backfill federal funding reductions or allow program cuts to take effect.

Implementation Timeline

  • Immediate Effect: Many provisions took effect upon signing on July 4, 2025
  • January 1, 2026: Most individual tax provisions become effective
  • 2028: SNAP cost-sharing with states begins for those with high error rates
  • 2031: Deadline for qualified production property expensing benefits

What Businesses Should Do Now

  1. Review Tax Strategy: Consult with tax professionals to understand how the permanent QBI deduction and enhanced expensing provisions affect your specific situation
  2. Capital Investment Planning: Consider accelerating equipment purchases to take advantage of 100% bonus depreciation for property acquired after January 19, 2025
  3. Employee Compensation Review: Evaluate compensation structures in light of the no-tax provisions on tips and overtime, keeping in mind income limitations and occupational restrictions. Ensure proper reporting requirements are met for qualifying tip and overtime income.
  4. Employee Benefits Review: Consider implementing or expanding paid family and medical leave programs to take advantage of the enhanced tax credit, including potential insurance policy arrangements
  5. Childcare Partnerships: Small businesses may want to consider exploring opportunities to pool resources with other local employers to provide childcare services, taking advantage of the enhanced credit and new pooling provisions
  6. Estate Planning Update: Business owners should review estate plans given the increased exemption amounts
  7. R&D Planning: Companies engaged in research and development should reassess their tax strategies given the return to immediate expensing

Conclusion

The One Big Beautiful Bill Act represents the most significant tax legislation in years, with substantial changes affecting businesses through enhanced deductions, permanent tax rate reductions, and improved capital investment incentives. The legislation also presents challenges, particularly around healthcare costs, energy tax credits, and federal program changes. The impact on North Central Massachusetts businesses will vary significantly depending on industry sector, business size, and individual circumstances, with some businesses benefiting substantially while others may face increased costs or operational challenges.

Business owners should work closely with their tax and legal advisors to fully understand and optimize their position under the new law.

Disclaimer: This summary is provided for informational purposes only and is based on official sources including Congressional Budget Office reports, the official legislation text, and government publications. This information does not constitute legal, tax, or financial advice. The North Central Massachusetts Chamber of Commerce makes no representations or warranties regarding the accuracy or completeness of this information. Tax laws are complex and subject to interpretation and change. Members should consult with qualified attorneys, certified public accountants, or other professional advisors before making any business decisions based on this information. The Chamber strongly recommends that businesses seek professional guidance to understand how these legislative changes may specifically impact their individual circumstances.

Sources

Primary Legislative Sources:

Congressional Budget Office Reports:

  • Estimated Budgetary Effects of H.R. 1, the One Big Beautiful Bill Act (As passed by the House of Representatives on May 22, 2025). Congressional Budget Office, Publication 61461. Available at: https://www.cbo.gov/publication/61461
  • H.R. 1, One Big Beautiful Bill Act (Dynamic Estimate). Congressional Budget Office, Publication 61486. Available at: https://www.cbo.gov/publication/61486
  • Distributional Effects of H.R. 1, the One Big Beautiful Bill Act. Congressional Budget Office, Publication 61387. Available at: https://www.cbo.gov/publication/61387
  • How H.R. 1, the One Big Beautiful Bill Act, Would Affect the Distribution of Resources Available to Households (Interactive Tool). Congressional Budget Office, Publication 61469. Available at: https://www.cbo.gov/publication/61469
  • Debt-Service Effects Derived From H.R. 1, the One Big Beautiful Bill Act. Congressional Budget Office, Publication 61459. Available at: https://www.cbo.gov/publication/61459
  • Preliminary Analysis of the Distributional Effects of the One Big Beautiful Bill Act. Congressional Budget Office, Publication 61422. Available at: https://www.cbo.gov/publication/61422

Additional Official Sources:

  • Estimated Budgetary Effects of a Bill to Provide for Reconciliation Pursuant to Title II of H. Con. Res. 14, the One Big Beautiful Bill Act (As ordered reported by the House Committee on the Budget on May 18, 2025). Congressional Budget Office, Publication 61420. Available at: https://www.cbo.gov/publication/61420
  • Estimated Budgetary Effects of an Amendment in the Nature of a Substitute to H.R. 1, the One Big Beautiful Bill Act, Relative to CBO’s January 2025 Baseline. Congressional Budget Office, Publication 61534. Available at: https://www.cbo.gov/publication/61534

Workers Credit Union – Building Financial Wellness Since 1914

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At Workers Credit Union, the focus is on one thing: building the financial wellness of its members. Founded in 1914 by John Suominen, a Finnish immigrant and successful printing company owner in Fitchburg, MA, Workers Credit Union began with a simple mission to support the economic welfare of fellow immigrants. Fast forward more than a century, and the credit union is thriving, boasting over $2.4 billion in assets and serving more than 125,000 personal and business members across North Central Massachusetts and beyond.

A Legacy of Service to the Community

What started as a vision to help immigrants is now a cornerstone of financial well-being for people in all walks of life. Workers Credit Union remains member-owned and focused on its core mission: to empower members to build better financial futures. With a broad range of services from checking and savings accounts to home and  auto loans, small business and commercial loans, and insurance through Workers Insurance Agency the credit union provides tailored financial solutions to individuals and businesses alike.

What Sets Workers Credit Union Apart?

Unlike many financial institutions, Workers Credit Union isn’t just about business; it’s about community. The credit union has long been dedicated to supporting local organizations and initiatives. From Relay For Life to Habitat for Humanity, Workers is actively involved in making a positive impact in the region. Their commitment goes beyond just financial contributions they prioritize volunteerism and community outreach, ensuring that they’re a true partner in the growth and success of North Central Massachusetts.

A Work Culture Focused on Collaboration and Transparency

Workers Credit Union’s internal culture mirrors the community-oriented values it holds. The company promotes a work environment grounded in collaboration, transparency, and mutual support. Employees are encouraged to take part in initiatives that make a difference both inside and outside the workplace. When hiring, Workers looks for people who share this commitment to community and teamwork qualities that enable employees to provide the best service to their members.

Workers-Credit-Union-Exterior

Fun Fact: A Partnership with the WooSox

Not only is Workers Credit Union rooted in the community, but they also know how to have fun! The credit union is a proud partner of the Worcester Red Sox (WooSox) and has created an exciting Augmented Reality scavenger hunt at Polar Park called Woofster’s Workers Reality. Fans can join in the fun, complete challenges, take home a limited-edition prize poster, and enter for a chance to win season tickets for the WooSox. It’s just one example of how Workers blends community involvement with innovative, engaging experiences.

Looking Ahead: Big Plans for the Future

With over 110 years of service in North Central Massachusetts, Workers Credit Union is excited about the future. With a commitment to innovation and exceptional service, they’re poised to continue being a trusted partner for members across the region for another hundred years!

Community Impact

Whether through a one-on-one conversation with a member of their dedicated staff or a digital interaction via  online or mobile banking,  Workers Credit Union  provides exceptional service in any channel.

In a world full of financial institutions, Workers Credit Union stands out not only for its competitive offerings but for its deep-rooted commitment to the community, its collaborative and transparent workplace culture, and its innovative approach to engaging with members and supporters. Whether you’re a new member or a long-time customer, it’s clear that Workers Credit Union is not just a financial institution it’s a partner in building a better future.

For more information, visit Workers Credit Union’s Website and see how they can help you achieve your financial goals!

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