16
The Information beyond words FREE LEGAL | FINANCIAL | SENIOR LIVING | DINING | REAL ESTATE | KIDS CORNER January 13 - February 11, 2016 To advertise please call 401-837-0328 Proudly located at Financial advice from someone you trust. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-1127837.1-0215-0317 Call 401-233-4337, or visit ncufinancial.com. Wealth Management 401(k)/Pension Rollovers Retirement Planning Education Funding Mutual Funds Life Insurance Long-Term Care Insurance Steve Lavergne, Financial Advisor Maria Doukas, Coordinator Jeff Gagnon, Financial Advisor Group shot of most members of the Family Service of RI Healthy Families America team. Photo Credit: Family Service of RI. Back row, left to right: Vianella Burgos, Providence; Olinda Gacin, Providence; Luisa Rodriguez, Providence; Taylor Chase, West Warwick; Jamie Nadeau, Coventry; Wendolyn Thomas, Providence; Front, left to right: Allori Fernandes, Pawtucket; Sara Lowell, Cranston. Visiting Program receives accreditation for quality services to new parents Prevent Child Abuse America (PCA America) has announced that Family Service of RI, a Healthy Families America (HFA) affiliate, has been accredited as a provider of high quality home visiting services for expectant mothers and families with newborns and young children. Family Service of RI’s HFA program under- went the PCA America accreditation process, which involves a stringent set of 12 critical elements grounded in more than 30 years of research. The process involves an in-depth ex- amination of the site’s operation, as well as the quality of the visits made by HFA home visitors. “Congratulations to our HFA team,” said Margaret Holland McDuff, Family Service of RI CEO. “Their dedication to excellence means a better life for babies, young children and their moms and dads despite challenges such as pov- erty, trauma and other issues.” The Family Service of RI HFA program works to improve child health, nutrition and devel- opmental outcomes of low-income parents in Providence and West Warwick. It annually serves about 100 families. HFA is an evidence-based program that includes family resource specialists and family support workers who help mothers and families access community resources, plan for education and jobs, and avoid social isolation. They help parents read their children’s cues and respond in nurturing ways, and become more self-sufficient and confident in their parental role. “Parents want to be good parents; and as par- continued on page 2 Southern New England Computer Services Business Support (features include): Rapid Response Time—Local Technicians and Locaons Free Onsite Evaluaon for New Business Clients An-Virus, Backups, Onsite & Remote Support Monday—Saturday: 9am to 5pm Phone: 401-285-0455 Math Help K-12 Math Enrichment Test Prep Homework Help Now enrolling. Mathnasium of East Providence 401-431-MATH (6284) mathnasium.com/eastprovidence Mathnasium of Garden City 401-463-0100 mathnasium.com/gardencity We make math make sense. Fresh Face Skincare Center at Avalon 1221 Reservoir Avenue Cranston, RI 02920 Innovative Techniques & Products for Exceptional Skin (401) 944-4601 [email protected] www.freshfaceskincare.net Deb Votta Licensed Esthetician Skin Therapist & Make up Consultant "THE LIFT" a fresh face exclusive. the best alternative non-surgical procedure for anti-aging. $89.00 see page 2 for information/details.

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Page 1: The 411 - January 13 - February 11, 2016

The Informationbeyond words

FREELEGAL | FINANCIAL | SENIOR LIVING | DINING | REAL ESTATE | KIDS CORNERJanuary 13 - February 11, 2016

To advertise please call

401-837-0328

Proudly located at

Financial advice from someone you trust.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-1127837.1-0215-0317

Call 401-233-4337, or visit ncufinancial.com.

• Wealth Management• 401(k)/Pension Rollovers• Retirement Planning• Education Funding• Mutual Funds• Life Insurance• Long-Term Care Insurance

Steve Lavergne, Financial AdvisorMaria Doukas, CoordinatorJeff Gagnon, Financial Advisor

Group shot of most members of the Family Service of RI Healthy Families America team. Photo Credit: Family Service of RI. Back row, left to right: Vianella Burgos, Providence; Olinda Gacin, Providence; Luisa Rodriguez, Providence; Taylor Chase, West Warwick; Jamie Nadeau, Coventry; Wendolyn Thomas, Providence; Front, left to right: Allori Fernandes, Pawtucket; Sara Lowell, Cranston.

Visiting Program receives accreditation for quality services to new parents

Prevent Child Abuse America (PCA America) has announced that Family Service of RI, a Healthy Families America (HFA) affiliate, has been accredited as a provider of high quality home visiting services for expectant mothers and families with newborns and young children.

Family Service of RI’s HFA program under-went the PCA America accreditation process, which involves a stringent set of 12 critical elements grounded in more than 30 years of research. The process involves an in-depth ex-amination of the site’s operation, as well as the quality of the visits made by HFA home visitors.

“Congratulations to our HFA team,” said Margaret Holland McDuff, Family Service of RI CEO. “Their dedication to excellence means a better life for babies, young children and their

moms and dads despite challenges such as pov-erty, trauma and other issues.”

The Family Service of RI HFA program works to improve child health, nutrition and devel-opmental outcomes of low-income parents in Providence and West Warwick. It annually serves about 100 families.

HFA is an evidence-based program that includes family resource specialists and family support workers who help mothers and families access community resources, plan for education and jobs, and avoid social isolation. They help parents read their children’s cues and respond in nurturing ways, and become more self-sufficient and confident in their parental role.

“Parents want to be good parents; and as par-continued on page 2

Southern New England Computer Services

Business Support (features include): Rapid Response Time—Local Technicians and Locations

Free Onsite Evaluation for New Business Clients

Anti-Virus, Backups, Onsite & Remote Support

Monday—Saturday: 9am to 5pm Phone: 401-285-0455

MathHelp

K-12 Math Enrichment

TestPrep

HomeworkHelp

Now enrolling.

Mathnasium of East Providence401-431-MATH (6284)mathnasium.com/eastprovidenceMathnasium of Garden City 401-463-0100 mathnasium.com/gardencity

We make mathmake sense.

Fresh Face Skincare Center

at Avalon1221 Reservoir Avenue

Cranston, RI 02920Innovative Techniques &

Products for Exceptional Skin

(401) 944-4601

[email protected]

Deb VottaLicensed EstheticianSkin Therapist& Make up Consultant

"THE LIFT" a fresh face exclusive. the best alternative non-surgical procedure for anti-aging. $89.00 see page 2 for information/details.

Page 2: The 411 - January 13 - February 11, 2016

2 To advertise call 401.837.0328

XCHANGertists’ eNOW OPEN MONDAY’S 3:00 - 7:00 PMTUESDAY 11:00 AM - 7:00 PM

WEDNESDAY 11:00 AM - 6:00 PMTHURSDAY AND FRIDAY 9:00 AM - 7:00 PM

COLOR & GO ..........................................................$25.00

FOIL, CUT & STYLE ...................................................$50.00

CUT, COLOR & STYLE ...............................................$50.00

WASH & SET ............................................................ $15.00

HAIR CUT & STYLE ...................................................$22.00

CHILDREN HAIRCUT 2 FOR ...................................... $15.00

UPDOS ....................................................................$25.00

UPDOS & MAKE-UP ..................................................$30.00

CHI STRAIGHTENING SYSTEM ... REG $100.00 SPECIAL $60.00

PERM, CUT, STYLE ....................................................$45.00

WASH & BLOWDRY .................................................. $15.00

WALK IN WELCOMED

MONDAY AND TUESDAY SPECIALS$15 wash, cut and blow dry

$40 wash, cut and color

LOOKING FOR CHANGE?

SALON CHAIR FOR RENT!$25 day includes towels and back bar

Year One: #ItsWorking We've had a busy and productive 2015, focused on putting people back to

work, reinvigorating our economy, and ensuring that everyone can "make it in Rhode Island." We've got a lot more work to do, but we've made steady progress every day, and we're starting 2016 with a sense of momentum. Let's build on the progress we've achieved together with more work, more action, and more results.

See below for a quick overview of some of Rhode Island's accomplishments over the past 12 months. Please share this with anyone who'd be interested.

The Rhode Island Department of Revenue reminds Rhode Islanders new tax rules intended to ease the financial burden on corporations and individu-als take effect Friday, Jan. 1, 2016 as a result of legislation approved by the General Assembly and signed into law earlier this year by Governor Gina M. Raimondo. “The changes do not affect tax returns covering 2015,” said Marilyn Shannon McConaghy acting director of the Department of Revenue. “However, the revisions are impor-tant to keep in mind for tax-planning purposes throughout the year.” Fol-lowing are highlights of several of the changes:

• CORPORATE MIMIMUM TAX: All business entities subject to the cor-porate minimum tax, including entities treated as C corporations for federal income tax purposes, limited liability companies, subchapter S corporations, limited partnerships, and limited liabil-ity partnerships, will see that tax drop by 10 percent to $450 for tax years beginning on or after Jan. 1, 2016. The tax has been $500.

• PASS-THROUGHS: The reduc-tion in the annual corporate minimum

tax noted above will also apply to en-tities that are treated as pass-through entities for federal income tax purpos-es. For tax years beginning on or after Jan. 1, 2016, the annual filing fee, or filing charge, will drop by $50, to $450, for limited liability companies, subchapter S corporations, limited partnerships, and limited liability partnerships.

• SOCIAL SECURITY: A number of Social Security beneficiaries who have reached full retirement age and who pay federal income tax on those benefits for the 2016 tax year will pay no Rhode Island income tax on those benefits when they do their Rhode Island returns for 2016 and later tax years.

• EARNED INCOME CREDIT: Starting Jan. 1, 2016, Rhode Island’s earned income credit – a tax break for the working poor – will increase to 12.5 percent of the federal earned income credit.

More details about the tax law changes are contained in the Tax Divi-sion’s annual “Summary of Legislative Changes,” available on the agency’s website: http//go.usa/3GtHk.

Tax breaks took effect as of Jan. 1

Page 3: The 411 - January 13 - February 11, 2016

To advertise call 401.837.0328 3

2012-2015 Five StarReal Estate Professionals

Representing Fewer Than 4% of Real Estate Agents in Our Local Market for a Fifth Consecutive YearAlbert Realtors is proud of Carole and Janet, recipients of the prestigious Five Star award, seen in Rhode Island Monthly.

Delivering quality service is how we do business.

Carole and Janet’s philosophy: “Do unto others as you would have done to you.”

Not only five-year recipients of the award, Carole and Janet are also recog-nized as national quality-service platinum award recipients.

Selling Your Home is a Complex Process

Carole and Janet believe indelivering ‘Good Old Fashioned Service’

Selling can be very complex, we will hold your hand every step of the way.

So before you make a decision give Carole and Janet the opportunity to demonstrate what they can do for you.

Don’t you just LOVE when…

You hold the door

open for someone

that doesn’t say

Thank you…

You are looking for

help at the store and

no one acknowledges you

Someon

e keep

s you

on

hold t

o the

point

you

are no

t sure

if you

have

been d

isconn

ected…

You send a card/gift

and never hear from

them, not sure if

they got it or not…

Someone forgets

to call you back…

Someone

doesn’t keep you

informed…

Where is the common courtesy, respect, service…??Don’t we all have certain expectations of how we treat others and expect to be treated.

Carole [email protected]

401-451-3598

Janet [email protected]

401-499-8046ALBERT REALTORS 401-464-6464

“Janet & Carole, I am doing great. Selling my home was the very best thing I have ever done. I am at such peace.

I cannot thank you both enough for your help in getting this done.You are by far the very best real estate team I have ever worked with.Your attention to detail and prompt response is so great. Your experi-ence really shows through.

I will recommend you to anyone I come in contact with. I’ll be in touch.

Thank you from the bottom of my heart.”

Viviane from Cranston

Representing Fewer Than 4% of Real Estate Agents in Our Local Market for a Fifth Consecutive YearAlbert Realtors is proud of Carole and Janet, recipients of the prestigious Five Star award, seen in Rhode Island Monthly.

Delivering quality service is how we do business.

Carole and Janet’s philosophy: “Do unto others as you would have done to you.”

Not only five-year recipients of the award, Carole and Janet are

also recognized as national quality-service platinum award recipients.

Selling Your Home is a Complex Process

2012-2015 Five StarReal Estate Professionals

Carole [email protected]

401-451-3598

Janet [email protected]

401-499-8046

ALBERT REALTORS 401-464-6464

Page 4: The 411 - January 13 - February 11, 2016

4 To advertise call 401.837.0328

As part of her continued efforts to build healthy communities and showcase our state's beauty to the world, Governor Gina M. Raimondo today established the Rhode Is-land Outdoor Recreation Council. The council will be responsible for increasing awareness about the use and enjoyment of recreational and environmental assets.

Raimondo was joined by First Gentleman Andy Moffit, as they both lauded Rhode Island's natural resources and the importance of engaging in outdoor activities as a way to instill healthy habits in children.

"All Rhode Islanders should have the chance to enjoy the countless outdoor recreational opportunities in our beautiful state, and take advan-tage of these resources as they fulfill New Year's resolutions and lead healthier lifestyles," Raimondo said. "Rhode Island's natural assets are unmatched, with amazing beaches, parks, campgrounds, bike paths, the bay and waterways. The State can do more to encourage use of these

resources and promote this critical sector of Rhode Island's economy.”

The Executive Order connects state agencies with stakeholders, di-recting them to provide a statewide strategy to promote and improve opportunities for outdoor recreation and tourism in Rhode Island.

The Executive Order directs the Rhode Island Outdoor Recreation Council to:

Advise the Governor on ways to manage recreational and environ-mental assets;

Evaluate and propose specific rec-ommendations concerning the imple-mentation of a statewide strategy to promote and improve opportunities for outdoor recreation and tourism in Rhode Island;

Produce an interim report no later than July 1, 2016, and a final action plan and recommendation no later than November 30, 2016.

"Every day I see the dedication of Rhode Island residents to preserving the state's diverse natural heritage," said Moffit, who will serve as Chair of the Council. "We can capitalize

upon all the state has to offer and showcase Rhode Island as a desti-nation for our families and visitors alike."

This Council brings together a group of talented leaders represent-ing state and municipal government, private business, and educational institutions, among other groups. Director Janet Coit of the Rhode Island Department of Environmental Management and Director Nicole Alexander-Scott, MD, MPH, of the Rhode Island Department of Health have been named co-vice chairs of the Council.

"Our parks, beaches, and other recreational areas make Rhode Island so special, and DEM is proud to be the chief steward of these resources for our state," said Coit. "Every year, these treasured places welcome millions of people - from avid hikers and fishermen to families gathering for a picnic or a relaxing day at the beach. They are part of our social fabric and identity, as well as important tourist attractions. I am thrilled the Governor is creating an

Outdoor Recreation Council to eval-uate, promote and expand outdoor recreation in Rhode Island; through it, we will bring together a diverse set of interests and perspectives that will greatly contribute toward this important goal. I am brimming with optimism about the future!"

"Increasing the use of parks and other recreation areas by all Rhode Islanders, including people in com-munities who have traditionally had less access to these resources, is vital to addressing obesity, physical inactivity, and mental health in our state," said Alexander-Scott. "The Outdoor Recreation Council will put us on a path toward a healthier Rhode Island full of people who are ready to get active and stay active for life."

The Outdoor Recreation Council Executive Order builds on Environ-mental Management, Health, Com-merce and tourism plans, setting bold and ambitious strategies for developing use and promotion of Rhode Island's outdoor recreation assets.

Raimondo kicks off New Year with focus on healthy living, importance of natural resources

Page 5: The 411 - January 13 - February 11, 2016

To advertise call 401.837.0328 5

AAAAAttttttttttention Business Ownerention Business Ownerention Business Ownerention Business Ownerention Business Owners!s!s!s!s!RRRRReaceaceaceaceach Thousands of Shopperh Thousands of Shopperh Thousands of Shopperh Thousands of Shopperh Thousands of Shoppers with ys with ys with ys with ys with your Business Card Aour Business Card Aour Business Card Aour Business Card Aour Business Card Ad!d!d!d!d!

TTTTThe MOST AFFhe MOST AFFhe MOST AFFhe MOST AFFhe MOST AFFORDORDORDORDORDABLE advABLE advABLE advABLE advABLE advererererertising ytising ytising ytising ytising you’ll EVER doou’ll EVER doou’ll EVER doou’ll EVER doou’ll EVER do

GUGUGUGUGUARANTEED!ARANTEED!ARANTEED!ARANTEED!ARANTEED!Call 401-837-0328 to place your ad!

Your LOCAL Directory

Enza’s Hair Studio & Day SpaA Wellness Salon & SpaVincenza A. SlinkoHair Stylist90 Danielson PikeN. Scituate, RI 02857Services Include: Hair, Skin, Nails, & Massage

(401) 647-4247(HAIR)[email protected]

Meeting PlaceMacColl YMCA (program center) MEET EVERY SECOND SUNDAY

OF EACH MONTH, 26 Breakneck Hill Rd.(Rt 123) Lincoln, RIDoors open @ 8:30am/Racing starts @ 9:30

Email: [email protected], www.ljlrc.comwww.facebook.com/ljlrc 401 248-1625

Downhill Racing With Hotwheels/Matchbox

Jeremy Morin Founder/President

[email protected]

WWW.JOEDECHRISTOFARO.COM

Joe DeChristofaro

RI & MA

(401) 837-1976 - c

(401) 437-8989 - f

$15.00 OFFANY SERVICE over $50.00

Must bring in this coupon

Ken Cesaro, Loan Officer

cell: [email protected]

FHA • Conventional • USDA (Rural Housing)VA (Military) • 203K (Home Improvement) • RI Housing

100% Financing Available • First Time BuyersInvestment Property • Refinance

LOW, LOW RATES!

www.primarylocal.com

NMLS# 10048 and Licensed Lender in RI,CT,MA,NH,FL

647 Oaklawn Avenue, Cranston RI 02920

Branch Phone: 401-943-9200

“Mortgage Programs to Suit your Needs”

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subjectto approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change withoutnotice. Rhode Island Department of Business Regulation Division of Banking Licensed as PRMI, Inc, Lender 200417155LL, Broker20041716LB.Division of Banks MC3094. Connecticut Department of Banking 8750. Florida Office of Financial Regulation MLD646Branch NMLS# 305552 “Licensed by the New Hampshire Banking Department” 10706-MB

William J. SpitznagelMarketing Consultant

401-383-6399Cell [email protected] Licensed & Insured

ALAN’S PEST CONTROL

Residential | Commercial | IndustrialFree Estimates24-Hour Service

P.O. Box 10251Cranston, RI 02910

[email protected]

401-944-2499 401-741-2726

Anthony & Sons PaintingAnthony Palumbo

Owner FREE Estimates

401-658-6279

Licensed & InsuredInterior/ExteriorResidential/Commercial

Brian [email protected]

Rhode Island Licensed Loan BrokerNMLS Company License Number 1787

NMLS Originator License Number 21893

Ocean State Center for Independent Living1944 Warwick Avenue - Warwick, RIwww.oscil.org 401-738-1013

401-244-7792 VP401- 738-1083 FAX

JOSE CABRALSole Proprietor10 Manchester St., West Warwick, RI 02893

Bus. 401-822-3343Res. 401.823.4883

Fully InsuredReg # 11707

Framing & RemodelingGeneral Cleanups & RepairCarpentry

Works

PHONE 401.821.4111 FAX LINE 401.633.6496Email: [email protected]

“The Most Trusted Name in Real Estate”

DAVID COLARDOSenior Real Estate Specialist Broker Associate since 1990

.633.6496

ate”

Experienced in:

* ESTATE SETTLEMENT* PROBATE SALES* RELOCATION* 2nd HOME/VACATION HOMES (National/International)

Estate Settlement Begins With A Free Home Evaluation Report

PROVIDING A HELPING HAND TO SENIORS AND THEIR

FAMILIES SINCE 1990

The coat racks in Good Neighbor’s Clothes Closet are empty. The Riverside soup kitchen, food pantry and day shelter provides clothing to those in need in our community.

Donations of clean, gently used clothing are always appreciated. Men’s winter jackets, hooded sweat-shirts and boots are currently needed. Toiletries, such as deodorant, shaving cream and razors are also distributed and are most welcome.

Items can be delivered from 8:00 a.m. to 2:00 p.m. weekdays to Good Neighbors, located on the lower level of St. Brendan School, Riverside. Use the en-trance at the back of the building on Dorr Avenue.

Good Neighbors provides meals, clothing and other essential services free of charge to those in need in East Providence and surrounding areas. For information about services or to find out how you can help, call 401-433-0045 or email [email protected]. Visit www.goodneighborsri.org or our Facebook page.

Men’s winter jackets, hoodies and boots wanted

Page 6: The 411 - January 13 - February 11, 2016

6 To advertise call 401.837.0328

• Full Meal Plan• Housekeeping• Laundry Assistance and Service• Personal Care Assistance• Planned Activities and Outings• Vehicle Snow Removal• 24 Hour Emergency Response• Medication Reminders• Pet Friendly

Deficiency Free

40 Irving AveEast Providence, RI 02914401-438-4456

Winslow Gardens Independent Living and Assisted Living

Choosing the right community for your residential living

Winslow Gardens

Morgan Health Center

Morgan Health Center is the transitional step between hospital and home for hundreds of Rhode Islanders, each year. Our specially trained staff is experienced in treating patients with acute or chronic illness, neurological disorders, orthopedic problems or terminal illness.

We have 2 distinct units in our facility; our sub-acute for rehabilitation care for short term individuals and our Specialized Dementia/Alzheimer's care unit.

Morgan Health Center is a 120 bed facility, and each unit consists of 40 residents, making each unit small and family like. Our facility is one of the few in the state of Rhode Island to be accredited by the Joint Commission of the Accreditation of Healthcare Organizations (JCAHO).

80 Morgan Avenue, Johnston (401) 944-7800

Johnnie C. Chace, of Providence, has joined non-profit Family Service of Rhode Island as its Director of Philanthropy.

She brings a depth of experience in fundraising and non-profit manage-ment. Her background includes: being a founding board member of RISE; serving for many years on the board of the Gordon School; and serving for a number of years on the boards of Trinity Rep, Save the Bay, the Down-town Parks Conservancy, the South-side Community Land Trust, the Wolf School, and the Marion Institute.

In the 1990s she co-chaired the capital campaign moving the Chil-dren’s Museum from Pawtucket into more spacious quarters in Providence’s Jewelry District; in the early 2000s she was part of a $25 million capital campaign for Crossroads; and in 2010 and 2012 she served as Save the Bay’s development committee chair.

“Johnnie Chace is well-known for her tireless and creative efforts in the non-profit world and beyond,” said Margaret Holland McDuff, Family Service of Rhode Island’s CEO. “She will be critical to our efforts to im-prove the overall health and well-being of the communities we serve through high impact partnerships and high quality innovative programs.”

“I am delighted to welcome Johnnie

to our team,” said Stephen Hourahan, Family Service of Rhode Island’s Chief Advancement Officer. “Her connections to the giving community are strong, and will serve to raise the dollars to ensure the continuation and creation of innovative programs serv-ing the neediest Rhode Islanders.”

Ms. Chace’s public appointments include the Providence Tourism Council from 2011 to 2013, and the Rhode Island State Council for the Arts from 1986 to 1988. She has also been active in political fundraising, includ-ing raising money for President Barack Obama.

She’s formerly a principal at real estate development company Cornish Associates, a recognized leader in the preservation of the downtown Provi-dence Historic District, and shared a Grow Smart Rhode Island honor in 2012 for redevelopment efforts in downtown Providence

She has a bachelor of arts degree in Asian studies from Hamilton College, Clinton, New York, and is a candidate for a master’s degree in environmental policy from the New School, in New York, New York.

Family Service of RI is a statewide non-profit human service and educa-tional organization. More information is available at www.familyserviceri.org.

Johnnie C. Chace named Family Service of RI Philanthropy Director

Page 7: The 411 - January 13 - February 11, 2016

To advertise call 401.837.0328 7

John N. Calvino, Esq.Law AssociatesPERSONAL INJURY LAW

GENERAL PRACTICE OF LAW

785-9400373 Elmwood Avenue, Providence

24-Hour Telephone Answering ServicesSe Habla Espanõl - Nos Falamos Portugûes

www.CalvinoLaw.com

William A. Filippo*Robert J. CalvinoThomas A. Bucci

Steven A. Minicucci*Anthony L. DiCenso

The Rhode Island Supreme Court licenses all lawyers in the general practice of law. The court does not license or certify any lawyer as an expert or specialist in any field of practice.

Coastal Financial Planning Inc.Coastal Financial Planning Inc.Coastal Financial Planning Inc.Coastal Financial Planning Inc.Coastal Financial Planning Inc.Fee-Only Financial Planning

Portforlio Management • Comprehensive Financial Planning

Angela Thompson, CFP401-727-8151

www.coastalfinancialplanning.com

R

Ronnie has always loved real estate. She joined RE/MAX Professionals in 1993. People, houses and negotiating are what energize her. Ronnie is a four time hon-oree of the distinguished Five Star Professional award, in which her client’s voted her top of her field. Honesty, loyalty and RE/MARKABLE service is what sets her apart. Call Ronnie for anything Real Estate, it is her pleasure to help.

Ronnie Tosoni

(401) 486-8123

[email protected] | www.ronnietosoni.com

ents we all have had many questions when it comes to raising a child,” said Jim Hmurovich, president and CEO of PCA America, which is based in Chicago, Illinois. “HFA’s well-trained home visitors are trusted sources in their own communities. They help provide answers to those questions, individualized support when it is needed most, and linkages to other community services. HFA requires community agency involvement and the commitment of community leaders. As we congratulate Family Service of Rhode Island we also recognize the state and community leadership that has contributed to success.”

“We commend Family Service of RI for opening itself up to such an intensive review process,” said Cydney Wessel, National Director of HFA. “We believe that all families and all communi-ties deserve access to quality home visiting services.”

Family Service of Rhode Island is a statewide non-profit hu-man service and education organization. More information is available about the organization at www.familyserviceri.org.

HFA is a signature program of PCA America, which has been providing home visiting services for more than 20 years. More information is available at www.preventchildabuse.org.

Visiting program receives award continued from page 1

Page 8: The 411 - January 13 - February 11, 2016

8 To advertise call 401.837.0328

Wacky Weekday specials

Monday through Wednesday 2 dinners salad, entrée dessert and coffee

29.99

JUMBO WiNG

sUNday

75 cent Gi-Normous Buffalo wings“Like from a Pterodactyl”

Fun, pool table

room and

pinball

Great food!

Great

atmosphere!

Great people!

Gator’s Pub1402 Victory Highway, North Smithfield

(1 mile before Wright’s Farm) 401-769-2220gatorspub.com

Bayberry Commons is a 110 bed facility nestled in beautiful Pascoag RI. Our 54 bed dementia unit and 56 bed sub-acute and long-term care unit provide a wide range of comprehensive, holistic services for you and your loved one. Our Physical, Occupational and Speech Therapist utilize state of the art techniques and equipment to ensure a minimal length of stay for our short term patients. Bayberry Commons prides ourselves on providing quality customer service and care to our residents, families and community. Bay-berry is the winner of the Silver Quality Award from the American Health Care Association.

Some of our unique features include: A restorative program to allow people to reach and maintain a maxi-mum level of functioning through individual and group therapy, Our Sub-acute, private rooms, Dementia friendly environment and specially trained staff, a full palliative program designed to meet the needs of the whole person and family.

C.A.M.P. (Centered Activities Memory Program)• The only program in the state offering residents on the Alzheimer’s unit a full scheduled day program within the building, catering to each individual’s needs• Includes cooking, gardening, cleaning and sensory programs• Day trips to Pawsox games, shopping, fishing, holiday events, etc.• Music activities• Yoga

Palliative Program• Full palliative care team, including palliative care certified nurse• Pain and symptom management• Spiritual counseling• Massage and aroma therapy• Pet therapy• Music therapy• Advanced care planning

181 DAV I S D R I V E , PA S COAG , R I 401 - 568 - 0600

Subacute Units• Spacious private rooms• Flat screen TV with extended cable• Private telephones• Access to our new state- of-the-art spa with whirlpool tub

Page 9: The 411 - January 13 - February 11, 2016

To advertise call 401.837.0328 9

Palliative Program• Full palliative care team, including palliative care certified nurse• Pain and symptom management• Spiritual counseling• Massage and aroma therapy• Pet therapy• Music therapy• Advanced care planning

(401) 434–2626600 WAMPANOAG TRAIL, RIVERSIDE, RI

WWW.EAGERFAMILYDENTISTRY.COM

CUSTOM TAKE-HOME TRAYS $199IN-OFFICE WHITENING $649

GIFT CERTIFICATES AVAILABLE

NEW PATIENTS WELCOME

Page 10: The 411 - January 13 - February 11, 2016

10 To advertise call 401.837.0328

Breakfast & Lunch speciaLsMexican Omelet • Italian Omelet • Fresh Basil • Tomato Omelet • Hash and EggsSteak and Eggs • Texas French Toast Pancakes • Eggs Benedict • Eggs Florentine

Meatloaf Dinner • Sheperd’s Pie • Grilled Marinated Chicken • Fish & Chips(Friday)

Voted Best Breakfast in Cranston in AAA Magazine

350 Atwood Avenue, Cranston 942-9534 HOURS: Monday - Friday 6:00 am - 2:00 pm, Saturday 6:30 am - 2:00 pm and Sunday 7:00 am - 2:00 pm

Celebrating 30 yrs! Come in and see our new look!

Gluten Free Muffins & Cookies are Here!

Stop by and see what new daily selections we are baking upNow offering Gift Certificates

Try one of our Signature Drinks:Almond Joy, Irish Mocha, Chocolate

covered Strawberry or Banana, The Virgin Mud Slide, “Chocomel” Delite

and Bananas Foster Pie

All menu items are homemade!

Catering and Specialty Cakes also available.

Your neighborhood coffee shopHours: Open 7 days, Mon - Sun 6:00 am to 6:00 pmBreakfast - Monday - Saturday 6:00 am to 11:30 amSunday 6:00 am to 1:00 pm

15 Money Hill Rd, Chepachet, RI 401.710.9470

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www.ChestersRestaurantRI .com

RESTAURANT

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Thursdays Nights are

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Smart shopping involves making budget-friendly purchases. Never paying full price is a mantra shoppers can follow to help keep their finances in check.

In addition to coupons and other dis-counts, shoppers can usually score deals based on which time of year they shop for particular items. Each year, various consum-er resources offer advice on the best time to buy certain items.

The beginning of the year is often an ideal time to purchase certain items. Consumers who take advantage of sales offered at the start of the new year can save substantial amounts of money. Now that the holiday season has passed, consumers can begin to find deals on items for themselves.

· Clothing: Post-Christmas sales are booming, and stores are looking to sell what's left of their inventories to make room for spring and summer selections. Even though the weather outside is still cold, sweaters, pants, coats, and more are usually available at a discount come January. It may take some digging through the racks, but there's an excellent chance to discover some great items.

· Boats: Wintertime is boat show season, but it's also the offseason for boaters who live in cooler climates. These factors com-bine to make it easier and less expensive to find a new boat. According to boat-buying retailer Boatline, consumers can probably get one of last year's models at a good price.

· Air conditioners: If the warm-weather season was particularly steamy this past year, it might be time to revamp the HVAC system or invest in some new portable units. Bankrate offers that the first few months of

the year are prime times to shop for air con-ditioners. While you may not get the latest model, it's likely you can find a reliable unit at below-market cost.

· Theater tickets: January and February are not especially busy seasons for theaters, which means there will be greater opportu-nity to get discounted seats for many popu-lar shows.

· Linens and bedding: John Wannamaker was a retail entrepreneur and had a few department stores in New York and Phila-delphia. Wannamakers held the first "white sale" in 1878, and since then many stores have continued the tradition. January is a great month to buy towels, sheets, bed-spreads, and more at a discount.

· Motorcycles: Riding a motorcycle is a fair-weather hobby, and retailers are aware of this. The easy riders of tomorrow might be able to find great deals today.

· Video games: Those who haven't pur-chased their fill of video games for the holi-days can benefit from post-holiday drops in price.

· Furniture: Many furniture manufacturers begin to churn out new inventory in Febru-ary, so last season's items will need to move quickly. Shoppers can often negotiate some good deals now and upgrade their homes' decor.

· Wedding-related services: Couples who don't mind the chilly weather can enjoy steep savings by hosting their weddings in January. Spring and summer are by far the more popular seasons to tie the knot, but reception halls, musical acts, florists, and other vendors may heavily discount their services in winter.

Best buys for the new year

Page 11: The 411 - January 13 - February 11, 2016

To advertise call 401.837.0328 11

76

Member Of BBBFor Details

Call 351-0460

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Page 12: The 411 - January 13 - February 11, 2016

12 To advertise call 401.837.0328

w w w . t h e h o l i d a y r e t i r e m e n t . c o m

Since 1973 The Holiday has been caring for families just like yours.We are the premier residence for residential, rehab and respite care.

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30 Sayles Hill RoadManville, RI

Our family caring for your family!

The

A Retirement ResidenceSkilled Nursing Facility

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Celebrating Our 27th Year Of Serving Our Community

198 Waterman Ave., East Providence, RI 401-431-2087

Our mission is to change animal's lives "One paw at a time"401-808-0218

[email protected] | ashesforlove.com

Purchase a signature piece of jewelry today and support animal shelters everywhere.

Ashes For Love was founded out of the pure love and concern for the welfare of shelter and rescue animals everywhere. Ashes For Love is dedicated to "The Mission Of Awareness." We have hand crafted pieces of unique jewelry bearing a bold statement through its very design to honor those animals that could not be saved despite the desperate efforts of the selfless shelters, rescue organizations, Humane Societies and all animal welfare organizations. Through the purchase of any piece or item in our collection, 20% of all proceeds will be given back to one of the countless and selfless organizations mentioned above. We hope, with your help to fund the very programs necessary to prevent animal abuse, cruelty, neglect and ignorance.

Many people may run indoors when the tem-peratures outside approach or dip below freezing. But the truly adventurous see no reason why a little cold weather should keep them cooped up indoors for months at a time.

Sports and other physical activities can provide the perfect respite from the cabin fever that can settle in during long winters. Families looking to get some quality time outdoors together this winter can enjoy a host of activities in the great outdoors, even if the temperatures are a tad on the chilly side.

· Sledding: Sledding may remind adults of their childhoods and turn kids' snow days into fun afternoons they will never forget. Kids can seem-ingly ride their sleds and toboggans down snowy hills all day long, but even parents get a kick out of racing kids downhill or sharing a sled with their youngsters. While older kids can typically handle sleds on their own, parents should ride along with toddlers to prevent falls and handle steering duties. When sledding, keep a close eye for any signs that suggest kids might be getting too cold, such as shivering or clothes that are soaked through.

· Snowshoeing: Parents may not know that many retailers sell snowshoes for children. While snowshoeing can be physically demanding, it's also a fun way for families that like family walks to continue those traditions even if there are a few

inches of snow on the ground. Make sure kids are bundled up, paying extra attention to their foot-wear. Kids will enjoy snowshoeing more if their boots are both comfortable and capable of keeping their feet warm.

· Snowman building: Perhaps no outdoor winter activity is more conducive to family fun than building a snowman. The season's first substan-tial snowfall provides the perfect opportunity for parents and their children to start building some snowmen. While "snowman building" is unlikely to find its way onto any gym schedules, building a snowman provides a great workout. Lifting snow is great strength training, while pushing snow to form Frosty's body is a great way to get in some cardiovascular exercise.

· Skiing and snowboarding: The earlier youngsters start skiing and/or snowboarding, the more likely such activities will prove second nature. Many resorts offer skiing and snow-boarding lessons to kids and adults, so parents can book weekend getaways for the family to nearby resorts and foster a love of winter sports in youngsters.

While it's tempting to huddle up indoors when winter hits full swing, families who embrace the great outdoors when the temperatures dip can avoid cabin fever and enjoy one another's com-pany along the way.

Family-friendly winter activities

Page 13: The 411 - January 13 - February 11, 2016

To advertise call 401.837.0328 13

Tired of dealing with computer problems and waiting for service? Get a team of local experts that respond in minutes to solve your IT problems!

We believe staying up to date with the latest technologies and prioritizing solutions is the best way to prepare for all our clients’ IT issues.

We specialize in service beyond the traditional backups, anti-virus and remote access. We not only handle your IT but provide you a dedicated IT account manager. In addition to that, all our technicians are local so we have rapid response times for any support you

may need. We can come onsite or help you remotely depending on your needs. We are just a call away.

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Call to schedule a FREE onsite evaluation and receive a free copy of our book “IT Free Fall: The Business Owner’s Guide to Avoiding Technology Pitfalls ”.

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Page 14: The 411 - January 13 - February 11, 2016

14 To advertise call 401.837.0328

Friday, January 15

Modern Line Dancing for Seniorsopen to beginners/advanced at the Blackstone Senior Center, 15 St. Paul St., Blackstone. 10-11 a.m. For more information, call Gail at 508-876-5131 or Suezy at 401-766-9495. Friday, January 15 - 10:00 pm.

Saturday, January 16

A Night of Broadway Classicsat the Ocean State Theatre Company, 1245 Jefferson Blvd., Warwick. Tickets are $39. An after party meet-n-greet will be held with the cast following the per-formance and may be added for $15 to any ticket on a limited basis. Visit www.OceanStateTheatre.org or call 401-921-6800. Saturday, January 16 - 7:30 pm.

Tuesday, January 19

Excel Class at Lincoln Public LibraryThe library will be offering an introduc-tory class on Microsoft Excel in Janu-ary. Classes will meet on January 12, 14, and 19 at 6:30 PM in the Program Room. Each attendee will be work-ing on a laptop with Excel 2010 and is expected to attend each class. Handouts will be provided. Please call the library at 333-2422, ext. 17 to register or stop by the Reference Desk. 145 Old River Rd., Lincoln, RI 02865 401-333-2422 ext. 19 Fax: 401-333-4154.

Wednesday, January 21

Please join us on Thursday January 21st at 6:30pm for filmmaker Marc Levitt’s presentation of “Woven in Time: The Narragansett Salt Pond

Preserve”; a 57-minute documentary film about a small piece of seemingly ordinary land located on the southern coast of Rhode Island. In the 1980s, archaeologists, working for a local developer, unearthed the remains of New England’s only undisturbed Pre-Contact Period Native American coastal village. Used for dirt biking and adjacent to a suburban housing devel-opment and shopping center, this land, on a pond where the Narragansett Tribe located their origin story, became the center of an almost thirty year battle between the rights of property owner-ship and the social and cultural impor-tance of preserving one of the most im-portant archaeological sites on the East Coast of the United States. Register by visiting the reference desk or calling 333-2422, ext. 17. This event is free and open to the public. 145 Old River Rd., Lincoln, RI 02865. 401-333-2422 ext. 19 Fax: 401-333-4154.Wednesday, January 27, 2016

Earring Drop-in Teens aged 12 and up are invited to make 1 or 2 pairs of ear-rings on Wednesday January 27 from 2:30-4 at the Lincoln Public Library. All materials are supplied by the library. Class is limited to 10 participants. Please register at Reference or call 333-2422 x17. Check Events at www.lincolnli-brary.com. 145 Old River Rd., Lincoln, RI 02865 401-333-2422 ext. 19 Fax: 401-333-4154.

Wednesday, February 24, 2016

Johnston Historical Socity General Meet-ing 6:30 pm. Society President Louis McGowan will give a talk on the mill village of Greystone.. Unless otherwise

noted, all events take place at the John-ston Historical Society Museum Barn, 101 Putnam Pike, Johnston, and are free and open to the public. Events are subject to change.

Wednesday, February 3

Book Buddies. The Winter/Spring Session of Book Buddies at the Lincoln Public Library will be held on Wednesdays from February 3 through April 13 at 4-5 pm. No program on February 17. Each week Teen Readers aged 11-HS Senior meet with L’il Book Buddies aged 3-8 for one-on-one reading, color-ing and floor puzzles. No more than 2 L’il BBs per Teen Reader. This is a Teen program supervised by the Teen Librarian. As such, this is a great opportunity to fulfill those community service hours. Both groups should register at Reference or call 333-2422 x17. Check Events at www.lincolnlibrary.com

Calendar of Events

Page 15: The 411 - January 13 - February 11, 2016

To advertise call 401.837.0328 15

MathHelp

K-12 Math Enrichment

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Mathnasium of East Providence

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Get ready.Get set.Get ahead. Now enrolling for fall.

Recognizing the Challenges of Aging

Atria Lincoln Place612 George Washington Highway

Lincoln, RI 02865401-334-1686

We are Dedicated to Encouraging a Fulfilling Lifestyle

and Promoting Independence.

Blackstone Pharmacy465 Lonsdale AvenuePawtucket, RI 02860

475-5655

Free Multi-Dose Blister PackingFree Monthly Billing Service

Free Same Day DeliveryExcept All Major Insurances

Competitive Cash Pricing

Caring for you and about you

Our 35th Yearwww.gourmettravelertours.com

401-823-962099 Pulaski Street

West Warwick, RI 02893

Day tours include deluxe motorcoach transportation, tour guide, free raffle - great prizes and someone wins a free day trip for 2May EditionMore trips available online

Calling all group leaders. Let us give your organization a free informational talk about our tours.

We are very generous to our group leaders.

November 4-11, 2015 Ireland 7 day $1749.00Includes airfare from Boston. We offer a Round Trip bus shuttle

to Boston from RI and Mass.7 breakfasts, 2 dinners, private motorcoach and driver/guide, Blarney Castle,

Dingle, city tours and much more.

Scotland, Northern Ireland and IrelandNovember 11-20, 2015 $2899.00 includes air from Boston

Call for details.If you combine the 2 trips together, the total for 16 days will be $3799.00

Both trips escorted by Valerie Giguere and Kathy Ray

Highlights: Amsterdam, Cologne, Koblenz, Heidelberg, Strasbourg, Basel

From $2975.00 (includes port charges, shore excursions and beer and wine)Sign up by August 31, 2015 with $500.00 deposit and receive a $100.00 American Express Gift Card (per person) with final payment.

Save $1000.00 per person on airfare if booked by August 31, 2015 and paid in fullAirfare is approx. $1600.00/person

Bus from Warwick, Lincoln and Somerset available to Logan

Call Valerie for more information at 401-823-9620 www.gourmettravelertours.com

Viking River CruiseAmsterdam to Switzerland

July 15-24, 201610 days: 4 countries

Page 16: The 411 - January 13 - February 11, 2016

16 To advertise call 401.837.0328

By EDDIE PANNONE

The Providence Bruins have seen many of their young stars go up and down from the NHL so far this season. The 2016 Winter Classic at Gillette Stadium featured four of Providence’s most productive players in the Boston Bruins lineup. Since then, two of them have returned to the P-Bruins. Frank Vatrano, who was the best in the league for the first 10 games of the AHL season, was promoted very early in the season and likely won’t be back with Providence at all. Veteran Max Talbot also spent time with Providence, but he too is likely in Boston for the foreseeable future.

Seth Griffith and Alexander Khokhlachev, the leading scorers on the team, both re-turned from the NHL spotlight and imme-diately made an impact upon entering the lineup. In a 5-2 victory over the Rochester Americans, the two combined for seven points on the P-Bruins’ league leading pow-er play. With injury issues for the parent club, the duo will likely see more time in Boston before all is said and done this year. Khokhlachev, a natural center, would seem most likely to get back faster since Boston has had a number of their centers go down.

A surprising move after the Winter Classic was the announcement that David Pastrnak would be assigned to Providence and not go immediately back to Boston. He hadn’t played since October 31 with a broken foot and recently suffered a finger injury during the World Juniors Tournament in Finland. The 19-year old took the orga-nization by storm in his rookie season last year, but struggled to start the year before his injury. It is hard to fathom that he will be in a P-Bruin uniform for long, as this is likely a way for the youngster to get his feet under him following a two-month layoff.

Providence remains in the middle of the pack in the Eastern Conference stand-ings, though if the season ended today they would be on the outside looking in. Only a few points separate a number of teams from a spot in the Calder Cup playoffs, so with the All-Star break nearing and plenty of talent the P-Bruins are still in decent shape to get to the postseason. Malcolm Subban is receiving a majority of the minutes in net, and the young goalie is only going to get better. With several skaters jumping back and forth between the NHL and AHL, Sub-ban’s play likely will determine how far this P-Bruins team can get.

Griffith and Khokhlachev return after Winter Classic

The holidays are over and it's back to reality and routines. Hockey games were played throughout the league.

The 2016 IIHF World Juniors Championship took place in Helsinki, Finland.

P-B's, David Pastrnak is back on American soil. He was in Finland representing his country, Czech Rebub-lic. His team was eliminated by Team USA. Team USA played against Russia in the semi-finals, but lost 2-1.

Former P-B's goalie Jeremy Smith was named CCM/AHL Player of the week for the period ending Decem-ber 27, 2015. Smith is now playing for Iowa Wild.

This past weekend, P-B's Center Alexander Khokhlachev, was selected as CCM/AHL Player of the Week, ending January 3, 2016. Khokhlachev will be presented with an etched crystal award, prior to an upcoming P-B's home game.

Congratulations to the players who are working hard and playing hard!!

HAPPY NEW YEAR!!!

271 Post RoadSpindrift VillageWesterly, RI 02891

(401) 322-0033NewImageWesterly.com

Cut • Color • Foils • Nails • Waxing6/30/15

Lincoln618 George Washington Hwy

CALL TODAY: 401.333.3363

The Pooch Parlor

1014 Boston Neck Rd # ANarragansett, RI 02882

Call for an appointment today!401-789-6454

Dog Training & Boarding Kennel

Old Summit Farm31 Old Summit Road, Coventry, RI 02827

Claude MasseOwner/Lead Dog [email protected]

In-home dog trainingTrain & BoardDog Boarding

Call me to learn more!At my office 401.333.4900 Ext 227 or Cell 401.641.1059

[email protected]

ATTENTION FIRST TIME

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Enza’s Hair Studio & Day SpaA Wellness Salon & SpaVincenza A. SlinkoHair Stylist90 Danielson PikeN. Scituate, RI 02857Services Include: Hair, Skin, Nails, & Massage

(401) 647-4247(HAIR)[email protected]

Meeting PlaceMacColl YMCA (program center) MEET EVERY SECOND SUNDAY

OF EACH MONTH, 26 Breakneck Hill Rd.(Rt 123) Lincoln, RIDoors open @ 8:30am/Racing starts @ 9:30

Email: [email protected], www.ljlrc.comwww.facebook.com/ljlrc 401 248-1625

Downhill Racing With Hotwheels/Matchbox

Jeremy Morin Founder/President

[email protected]

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Joe DeChristofaro

RI & MA

(401) 837-1976 - c

(401) 437-8989 - f

$15.00 OFFANY SERVICE over $50.00

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Ken Cesaro, Loan Officer

cell: [email protected]

FHA • Conventional • USDA (Rural Housing)VA (Military) • 203K (Home Improvement) • RI Housing

100% Financing Available • First Time BuyersInvestment Property • Refinance

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NMLS# 10048 and Licensed Lender in RI,CT,MA,NH,FL

647 Oaklawn Avenue, Cranston RI 02920

Branch Phone: 401-943-9200

“Mortgage Programs to Suit your Needs”

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subjectto approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change withoutnotice. Rhode Island Department of Business Regulation Division of Banking Licensed as PRMI, Inc, Lender 200417155LL, Broker20041716LB.Division of Banks MC3094. Connecticut Department of Banking 8750. Florida Office of Financial Regulation MLD646Branch NMLS# 305552 “Licensed by the New Hampshire Banking Department” 10706-MB

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Your LOCAL Directory

Enza’s Hair Studio & Day SpaA Wellness Salon & SpaVincenza A. SlinkoHair Stylist90 Danielson PikeN. Scituate, RI 02857Services Include: Hair, Skin, Nails, & Massage

(401) 647-4247(HAIR)[email protected]

Meeting PlaceMacColl YMCA (program center) MEET EVERY SECOND SUNDAY

OF EACH MONTH, 26 Breakneck Hill Rd.(Rt 123) Lincoln, RIDoors open @ 8:30am/Racing starts @ 9:30

Email: [email protected], www.ljlrc.comwww.facebook.com/ljlrc 401 248-1625

Downhill Racing With Hotwheels/Matchbox

Jeremy Morin Founder/President

[email protected]

WWW.JOEDECHRISTOFARO.COM

Joe DeChristofaro

RI & MA

(401) 837-1976 - c

(401) 437-8989 - f

$15.00 OFFANY SERVICE over $50.00

Must bring in this coupon

Ken Cesaro, Loan Officer

cell: [email protected]

FHA • Conventional • USDA (Rural Housing)VA (Military) • 203K (Home Improvement) • RI Housing

100% Financing Available • First Time BuyersInvestment Property • Refinance

LOW, LOW RATES!

www.primarylocal.com

NMLS# 10048 and Licensed Lender in RI,CT,MA,NH,FL

647 Oaklawn Avenue, Cranston RI 02920

Branch Phone: 401-943-9200

“Mortgage Programs to Suit your Needs”

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subjectto approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change withoutnotice. Rhode Island Department of Business Regulation Division of Banking Licensed as PRMI, Inc, Lender 200417155LL, Broker20041716LB.Division of Banks MC3094. Connecticut Department of Banking 8750. Florida Office of Financial Regulation MLD646Branch NMLS# 305552 “Licensed by the New Hampshire Banking Department” 10706-MB

BUSINESS DIRECTORYTo advertise call 401-837-0328