Boyd Builders

Nate Boyd has been a carpenter for most of his life. It started as a summer job in college and grew into a career. After years of working for someone else, he decided it was time to go out on his own and establish Boyd Builders.

Like everything, it was a learning experience. “When you are working for yourself there is no one else to blame your mistakes on.” Boyd relishes the freedom and accountability that comes with running your own business.

One of the most important things has been finding the right people to work with. Boyd now works with his two brothers and a close family friend. “I trust them, and they trust me. When I’m not on site they act as an extension of me.”

Boyd Builders on site

Boyd enjoys working in the building industry and all the challenges and opportunities that it comes with. “There are a lot of things I love about carpentry. I like being able to start from nothing and have the vision to be able to build something from scratch. So you could start out with just a foundation at 8 in the morning and by 5 in the afternoon you could have something that you created with your own hands.”

Marvin Windows and Custom Entertainment Center by Boyd Builders

One of the biggest challenges in the industry is that there are often no straightforward solutions. There are many ways to build a house, and each situation can be different. “I like the challenge of problem-solving. Building is just a series of problem-solving and I like having to figure something out. We have to be creative and adapt to every situation. And at the end of the day, you realize that you can achieve a lot more than you thought.”

Boyd Builders
@boydbuilders.inc
boydbuildershome.com

Monica Banks

MONICA BANKS

CrossCountry Mortgage has become the largest residential mortgage lender on Cape Ann!

Happy 2021! 2020 was certainly different, with new challenges. Working from home, changes in teammates and keeping everyone safe. It’s been tough and the main reason why I hadn’t been able to post that much this year. The good news was mortgage rates were a bright spot and we were able to save people a lot of money while also keeping everyone working!

In 2020 Team Pratt was able to help over 180 families either purchase a new home or refinance their current home into historically lower rates.

In addition, CrossCountry Mortgage has become the largest residential mortgage lender on Cape Ann! This is why we are in Gloucester, as we are filling the need for low-fixed rate mortgages, VA, FHA, Masshousing jumbo mortgages and the like. We also have ZERO down payment mortgages too! Fixed rate mortgages are in the low 2’s today….LOW 2’s!

Thank you everyone who trusted me help them, or their friends and clients, finance their home. Here’s to a better 2021!

HUBBARD ADVISORS

ARE YOU WORRIED ABOUT RUNNING OUT OF MONEY? WILL YOU OUTLIVE YOUR MONEY OR WILL IT OUTLIVE YOU?

Are you successful? Do you have adult children who are struggling? Do you want to give them a leg-up in this challenging world they face today? One way to transfer some of your assets to a younger generation while you are alive is to purchase and fund permanent insurance for them, employing the ‘BE YOUR OWN BANKER‘ concept, i.e., stacking the cash value and using the accumulation for a source of loans for their personal use, business purposes and investment opportunities without having to go through financial underwriting, or for a stream of future, after-tax income. Another approach: if you are able to employ premium financing solutions towards any variety of complex financial and tax problems you may be facing, consider purchasing a significant amount of permanent insurance with premium financing options in order to achieve your personal financial planning goals, business planning goals or legacy intentions. Call me today at (978)290-2462

CLICK HERE TO FILL OUT A REQUEST FOR A CONSULTATION OR TO ASK QUESTIONS. Or simply call me at (978)290-2462.

Robin Hubbard is a financial advocate, consultant, planner and coach for individuals, businesses, and business investors. An agile, refreshing alternative to franchise firms, I don’t push product but find solutions for individual needs and ambitions.

Growing Grand Banks

December 30, 2020 3 min read

This year has been a challenge for us all. We’ve all read and written that sentence many times, in many ways, throughout this whole experience. We are looking forward to closing the door on 2020 and reaching towards a brighter future in 2021.

We are in one of the fortunate industries. A lot of people are working on their homes now that we are all spending so much time in them. Home improvement is thriving. While we wish it was under different circumstances, we are excited to be helping so many people invest in their homes. 

We’ve been able to continue with our own renovations at Crafts Road. Outside, we’ve installed our handicap accessible ramp and new granite steps. We are so excited about how it’s all turned out. Bayview Builders & Cutting Edge have done such an incredible job!

Out back, we’ve been cleaning up the yard. Clearing space for employees to enjoy time outside and to show off our beautiful river view. Our rocky, uneven landscape has always been a challenge to work with. Beautiful in its own way, it presents a difficult space to work with. As a few of our team members have discovered a new passion for disc golf, we found that would be a great way to use our space. With a few baskets installed, we are working on our aim.

Inside, we’ve been hard at work on our Team Offices. We’ve (at long last!) ripped up the carpet and put down wood floors. It makes such an incredible difference. We’ve also finally gotten to work on our 3rd floor. We moved our break room up there, installed some cabinetry, and put down wood floors. This space will be used as a communal workspace and a place for collaborations. Eventually, our goal is to also use this as classroom space. We are looking forward to when we can get back to offering educational opportunities for everyone. 

Team Office

Where the kitchen used to be is now where our Cabinetry Team resides. We tore down a wall and combined the old break room with a storage room. Creating a separate space for them has allowed our Doors & Windows Team to expand, and to keep the conversations streamlined. We still have a lot of finish work to do, but we are really excited.

Kitchen Department Office

Over the years, our building and our company has transformed. From our little office on Grove Street with a small warehouse in 1988, to our building on Crafts Road. We now have a full warehouse on-site, with 2 remote locations.  The past 30 years have held a lot of ups and downs. Our vision remains the same, helping homeowners and professionals alike bring their buildings to life. 

And our journey continues. We are excited to announce that we are adding a second location! We’ll be opening in Waltham this spring! This showroom will be a smaller version of what we have at Crafts Road. It will serve as a hub for our sales team located in the MetroWest area and help us connect to homeowners in the area. There is still a lot of work to be done, and the pandemic has thrown more than a couple of wrenches into our plans. We are making our way through it all. Be on the lookout for more information and updates as we go!

We are looking forward to 2021. To putting the challenges of 2020 behind us and expanding into the new year. We are grateful to have you with us throughout all the changes we made, and we’re excited to share the future with you. 

MORE TRANSFORMATIONS

HUBBARD ADVISORS

ARE YOU WORRIED ABOUT RUNNING OUT OF MONEY? WILL YOU OUTLIVE YOUR MONEY OR WILL IT OUTLIVE YOU?

Are you successful? Do you have adult children who are struggling? Do you want to give them a leg-up in this challenging world they face today? One way to transfer some of your assets to a younger generation while you are alive is to purchase and fund permanent insurance for them, employing the ‘be your own banker‘ concept, i.e., stacking the cash value and using the accumulation for a source of loans for their personal use, business purposes and investment opportunities without having to go through financial underwriting, or for a stream of future, after-tax income. Another approach: if you are able to employ premium financing solutions towards any variety of complex financial and tax problems you may be facing, consider purchasing a significant amount of permanent insurance with premium financing options in order to achieve your personal financial planning goals, business planning goals or legacy intentions. Call me today at (978)290-2462

CLICK HERE TO FILL OUT A REQUEST FOR A CONSULTATION OR TO ASK QUESTIONS. Or simply call me at (978)290-2462.

Robin Hubbard is a financial advocate, consultant, advisor, planner and coach for individuals, businesses, and investors. An agile, refreshing alternative to franchise firms, I don’t push product but find solutions for individual needs and ambitions.