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Vol. 35, No. 3
-FREEwww.advocatenews.net
Published
Every Friday
Malden keeps Rev. Dr. King’s
dream alive on his birthday
L
617-387-2200
Friday, January 21, 2026
Malden City Council votes
down bid for $36 million debt
exclusion ballot question
Majority of Councillors say planned
Proposition 2 1/2 override ballot
question should stand alone
By Steve Freker
The 97th birthday of the Rev. Dr. Martin Luther King, Jr., and the 40th annual observance of MLK,
Jr. Day was celebrated with “The Urgency of Now: Keeping the Dream Alive” at Emmanuel Baptist
Church on Sunday. Pictured front row, from left to right, are: Eric Henry, former city councillor Neal
Anderson, DEI Director Kashawna Harling, Councillor-At-Large Karen Colón-Hayes, Kristy Magras,
Ward 3 Councillor Amanda Linehan, Councillor-At-Large Michelle Bucci Luong, and Ralph Long. Back
row, shown from left to right, are: Jillian Harvey, Mayor Gary Christenson, Rev. Wayne Gadie, Council
President/Ward 6 City Councillor Stephen Winslow, and Councillor-At-Large Carey McDonald.See
page 9 for photo highlights.(Advocate photo by Tara Vocino)
eave it to Ward 7 Councillor
Chris Simonelli to show out a
hidden talent during a Malden
City Council meeting: “Art critic.”
During a discussion of a proposed
addition of a third ballot
question to a planned Proposition
2 1/2 special election on
Tuesday, March 31, Simonelli
said it might be too much to ask
of the voters, who were already
looking at two. On March 31,
Malden voters will be deciding
on either a $5.4 million override
DEBT | SEE PAGE 6
Chris Simonelli
Ward 7 Councillor
As He Retires, Malden VSO Kevin
Jarvis Leaves a Lasting Legacy of
Honor and Service
By Tara Vocino
A
fter 15 years of dedicated
service, Malden VeterU.S.
Marine Corps General Joseph Dunford, Commandant of the
U.S. Marine Corps from Mass., and Malden VSO Kevin Jarvis on
the island of Guam in February 2015. Dunford and Jarvis are
linked through their involvement with the Iwo Jima Association of
America and events commemorating the Battle of Iwo Jima, some
of which involved travel to Guam. (Courtesy photo, Kevin Jarvis)
ans’ Services Officer Kevin Jarvis
is retiring, leaving behind a
legacy defined by advocacy, remembrance
and deep respect
for those who served. Jarvis’ final
day with the City of Malden
is Jan. 29. While he said he will
miss helping veterans most, he
expressed confidence that the
Executive Office of Veterans
Services in Boston will ensure
a smooth transition by training
and certifying Malden’s next Veterans’
Services Officer.
As Malden’s Director of Veterans’
Services, Jarvis has worked
closely with the Massachusetts
Executive Office of Veterans Services
and the U.S. Department
of Veterans Affairs, serving as a
tireless advocate for veterans
and their families. His office has
guided clients through state and
federal benefits, provided financial
assistance to veterans and
surviving spouses in need and
helped secure disability compensation,
pensions, medical
care, education benefits, home
loans and burial assistance.
Jarvis also played a central role
in coordinating the city’s Veterans
Day, Memorial Day and
Flag Day observances. Each Memorial
Day, his office — joined
by volunteers and students —
placed more than 10,000 flags
on veterans’ graves throughout
Malden cemeteries. He additionally
oversaw the dedication
of streets, squares and parks
named in honor of Malden veterans,
many of whom made the
ultimate sacrifice.
Among his proudest accomplishments,
Jarvis said, is Malden’s
collective commitment to
honoring veterans. “I know of
no other city or town in Massachusetts
that has done more to
honor and remember its veterans
than the city of Malden,” Jarvis
said, quoting remarks made
by Brig. Gen. Leonid Kondratiuk
LEGACY | SEE PAGE 5
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THE MALDEN ADVOCATE–Friday, January 21, 2026
Kilbride Memorial Bench Unveiling
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Real estate developer Cummings
invites staff to guide its holiday giving
Special to The Advocate
L
ocal nonprofits are celebrating
the season with a
combined $520,000 in funding
through Cummings Community
Giving. This annual program
allows employees of Woburn-based
real estate developer
Cummings Properties to
each direct up to $2,000 from
the company to a nonprofit of
their choice, with Malden organizations
receiving a combined
$11,000. Now in its 14th year, the
initiative is designed to support
the communities where Cummings
team members live and
work. More than 240 organizations
across approximately 80
local cities and towns will benefit
from this cycle of Cummings
Community Giving.
“This program is meaningful
for so many of our team members,”
said President Eric Anderson.
“It puts philanthropy directly
in their hands, allowing them to
further support the causes that
matter most to them.”
Anderson noted that 100 percent
of all rental profits at Cummings
go to nonprofits. “The
work our staff does every day to
ecently, the family of Kevin
Kilbride gathered at Trafton
Park in Malden’s Maplewood
area to mark the one year anniversary
of his untimely passing
with the unveiling of a memorial
bench in his honor. Kevin, a beloved
educator, retired at the end
of the school year in 2024 after
working in the Malden School
system for over 30 years as an
educator and later as an administrator.
The family chose Trafton
Park because of the many
years Kevin spent at his neighborhood
park. Kevin would say
he could hear his mother calling
him home from the back porch
on Webber Street. Pictured behind
the bench are Kevin’s son
Eamon, wife Maura, daughter
Maeve and son Conor.
keep our buildings full helps to
support hundreds of local nonprofits,”
said Anderson. “They all
have a role in our organization’s
success, and we want them to
have a role in its giving as well.”
Each eligible nonprofit may
receive up to $6,000 per cycle.
Through this year’s cycle, five
Malden organizations received
donations:
Bread of Life: 1,000.
Immaculate Conception Parish:
2,000.
MLF Forever19, Inc: 2,000.
Mystic Valley Elder Services
Inc.: 4,000.
New Funsoccer Inc.: 2,000.
More information about Cummings
Community Giving is
available at www.cummings.
com/ccg.
Beacon Hill
Roll Call
By Bob Katzen
THE HOUSE AND SENATE: Beacon
Hill Roll Call records local senators' votes
on roll calls from the week of January 1216.
There were no roll calls in the House
last week.
OFFER TAX CREDIT TO COVER
LARGE PROPERTY TAX INCREASES
(S 2899)
Senate 37-1, approved and sent to
the House a bill that supporters said
would give cities and towns the ability
to shield their most vulnerable taxpayBHRC
| SEE PAGE 8
׉	 7cassandra://6EqT_tYBa9Ky7iCqRw0LoBSavZ4M-fYo1qpuRRwIoFk6` irN{$"׉ETHE MALDEN ADVOCATE–Friday, January 21, 2026
Page 3
CITY COUNCIL: Councillors approve $1.5 million HUD loan
application to help fund new Boathouse on Malden River
Unanimous vote okays application for 15-year federal loan to pay for $4.1 million to
build boathouse, salt shed in Phase Two of Malden River Works project
By Steve Freker
T
he Malden River Works Project
has been underway for
the past five years, and the project
will potentially receive another
financial boost, following
a vote of the Malden City Council.
At its last meeting, Councillors
voted unanimously to authorize
the City of Malden to
apply for a federal Section 108
loan in the amount of $1.5 milIf
the loan request to the federal
Dept. of Housing and Urban
Development (HUD) is ultimately
approved, then it would be applied
to Phase Two of the Malden
River Works Project. In Phase
Two, at a total cost of $4.1 million,
included would be the construction
of a new boathouse on the
Malden River as well as a new salt
shed for use by the Malden Department
of Public Works (DPW),
which is situated on the main
was $12.38 million, though that
number has risen since the project’s
inception in the fall of 2019.
Since the very first public meeting,
in October 2019, the project
has received over $12 million in
nine grants, awards and prizes,
along with designated city and
state funding from various sources.
As of September 2025, approximately
$3 million has been
spent on the project.
Funding for Phase Two of the
project — which includes the
new boathouse and salt shed —
is not yet in place, the City Council
was informed by the Mayor’s
letter. In addition to the requested
$1.5 million HUD loan, the city
is “pursuing other funding sources,”
the Mayor stated.
“The construction [of the boathouse
and salt shed] will cost an
estimated $4.1M. We are planning
for an estimated $1.1M of
the existing grant funding to
go towards this phase,” Mayor
Christenson stated in his letter to
RIVER | SEE PAGE 6
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The $12.7 million-plus Malden River Works project got a potential
boost when the Malden City Council approved an application for
a new $1.5 million Section 108 HUD Loan. (Courtesy/City of Malden)
lion. Voting in favor of authorizing
the city to apply for the loan
were Councillors Peg Crowe
(Ward 1), Paul Condon (Ward 2),
Ryan O’Malley (Ward 4), Ari Taylor
(Ward 5), Stephen Winslow
(Ward 6), Chris Simonelli (Ward
7), Jadeane Sica (Ward 8), Karen
Colón Hayes (at Large), Michelle
Luong (at Large), Carey McDonald
(at Large) and Council President
Amanda Linehan (Ward 4).
None were opposed.
site. The boathouse would be
used to provide Malden River access
to the Malden High School
Crew Team, among others. The
salt shed would replace what is
now just an open sand/salt pile
in the back of the DPW yard.
According to a letter delivered
to the City Council from Mayor
Gary Christenson, the $1.5 million
HUD loan amount would
be vital to the completion of the
overall project, whose initial cost
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THE MALDEN ADVOCATE–Friday, January 21, 2026
Malden Reads announces kickoff event featuring
‘Our Missing Hearts’ by Celeste Ng
Free community celebration on Feb. 9 for all ages
M
alden Reads invites residents
of all ages to kick off
its 2026 community reading program
with a free celebration on
Monday, February 9, 2026, from
6:30 to 8:30 p.m. at the Malden
Public Library (36 Salem St.). This
year’s book selection, “Our Missing
Hearts,” by bestselling author
Celeste Ng, explores themes of
love, resistance and belonging.
The kickoff event will bring together
literature, history, art and
conversation through interactive
activities and experiences
for all ages. No need to read the
book in advance—everyone is
welcome.
Following are highlights of the
event:
● Musical Performance: The
band Tale Spin, fronted by chef
and musician David Stein and his
wife Sue, will perform acoustic
protest music of the last century,
including a community singalong.
David and Sue have deep
connections to Malden as former
residents, and David is a former
Malden Reads committee member
who created memorable programs,
including a pop-up restaurant
and music club event featuring
his band Soulshine.
● Yarn as Protest Art: Exploration
of how fiber arts can be used
as tools for peaceful protest and
self-expression.
● Art Exhibition: View prints by
Corita Kent (also known as Sister
Mary Corita), the artist best known
for her art on the Boston Gas tanks
along Route 93 southbound in the
1970s as well as the Love stamp in
the 1980s. Corita’s work and her
messages of peace and social justice
reflect her understanding of
the power of language, just like in
“Our Missing Hearts,” and continue
to resonate today.
● Revolutionary Photo Stations:
Step back in time with colonial
costume photo opportunities and
a model of a Boston Tea Party ship
where participants can toss tea
bales overboard, celebrating the
250th anniversary of the American
Revolution and Malden’s role
as the first town to declare independence.
●
Video Screenings: Short videos
by Malden Revolution’s Mark
Linehan showcasing Malden’s revolutionary
history and drawing
connections between past and
present acts of civic engagement.
● Arts & Crafts for All Ages: Led
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by Malden High’s Love 4 Kids
club, offering creative projects
that encourage connection and
creativity.
● Heart-Shaped Cookie Decorating:
A fun and delicious handson
activity for participants of all
ages.
● Refreshments: Food and drink
will be available throughout the
evening.
● Books Available: Attendees
can borrow “Our Missing Hearts”
Participants at a prior Malden Reads event
from the library circulation desk
with their Malden Public Library
card.
Volunteer support for the evening
will be provided by the Malden
High YMCA Leaders.
About the 2026 Malden Reads
program: Now in its 16th year,
Malden Reads will explore themes
from “Our Missing Hearts” related
to civic ideals, revolution (including
one’s own personal revolution),
resistance and courage.
The program purposefully coincides
with the 250th anniversary
of the American Revolution and
will highlight Malden’s unique
role as the first town to declare
independence from Britain in
1775. Age-appropriate companion
books for younger readers
and English learners will be announced
soon and will be available
to borrow from the Malden
Public Library and donated to the
Malden Public Schools and community
organizations. The Malden
Reads event season is planned to
run into spring to provide opportunities
for conversation and connection
during the cold months
and will include book discussions,
film screenings and other special
programs. The event schedule
will be added as details become
available.
This program is funded in part
by a grant from the Malden Cultural
Council, a local agency that
is supported by the Mass Cultural
Council, a state agency.Volunteers
are always welcome. For more information
or to get involved, email
maldenreads@gmail.com, visit
www.maldenreads.org and follow
along on social media.
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Page 5
LEGACY | FROM PAGE 1
(Ret.) at a past ceremony. He also
praised the volunteers who return
year after year to help place
flags on veterans’ graves.
During his tenure, the city
dedicated six life-size bronze
statues honoring combat
veterans from the Civil War
through the post-9/11 wars
in Iraq and Afghanistan. Jarvis
will remain involved in one final
project: assisting with the
design and dedication of a
Revolutionary War soldier statue,
planned for July 4, 2026,
in recognition of the nation’s
250th anniversary.
Mayor Gary Christenson
thanked Jarvis for creating a legacy
that will endure. “Through
the installation of veteran statues,
the dedication of memorial
squares, and his unwavering
support for those who have
served, Kevin Jarvis ensured that
Malden remains committed to
remembering our nation’s heroes,”
Christenson said.
Veterans’ Services Clerk Martha
Ferratusco echoed those
sentiments, noting that Jarvis
brought extraordinary historical
knowledge and dedication
to his role. She highlighted
major projects, such as
bringing the Vietnam Veterans
Moving Wall to Malden in 2013
and overseeing the placement
of six combat veteran statues
throughout the city, including
one honoring a female service
He enlisted in the Marine Corps
that same year and later received
a certificate of commendation
for saving a doctor’s life in Africa
in 1997.
In retirement, Jarvis plans to
spend time gardening, working
in his yard and possibly traveling.
One trip on his wish list is
a Viking River cruise in Europe
— though he joked he has had
enough time at sea after weeks
aboard Navy ships in the Pacific.
Though he is stepping away
from his official role, Jarvis’ influence
will remain visible throughout
Malden — in its monuments,
memorials and, most importantly,
in the lives of the veterans he
served.
8 Norwood St.
Everett
(617) 387-9810
Retiring Veterans’ Services Officer Kevin Jarvis — shown with
Mayor Gary Christenson — dedicated Malden’s Operation Iraqi
Freedom statue. (Courtesy photos, Jose Fuentes)
member from the Persian Gulf
War — among the first of its
kind in the region.
“Kevin’s impact goes far beyond
monuments,” Ferratusco
said, recalling how Jarvis personally
ensured that an ill veteran
received proper nursing care
and that his affairs were responsibly
managed. “His dedication
to veterans is both professional
and deeply personal.”
That personal connection is
rooted in Jarvis’ own service
and family history. A U.S. Marine
Corps veteran, Jarvis served five
years in the Marines and later
spent 30 years in federal law enforcement.
He earned a bachelor’s
degree from Florida AtlanALL
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tic University and an associate
degree from Bunker Hill Community
College.
Since becoming Malden’s VSO
in 2010, one of the veterans who
most influenced him was World
War II veteran William Dempsey.
“It was such an honor to share his
stories and help preserve his legacy,”
Jarvis said. He also reflected
on his own family members who
served in World War II, including
his father, uncle and two uncles
who fought in Europe and the
Pacific.
Born and raised in Malden,
Jarvis graduated from Malden
High School in 1974 and began
working for the city as a student
employee while still in school.
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RIVER | FROM PAGE 3
the Council requesting approval
for the new Section 108 HUD
loan. “We are also pursuing other
funding sources, including
Bayrd Foundation funding and a
grant through the State’s Office
of Coastal Zone Management,
though neither of these funding
are confirmed as of now.”
The Mayor praised the value
of the Malden River Works Project
overall, and the proposed
new boathouse specifically, in
his letter. “As you know, the Malden
River Works project will be
impactful on multiple levels. It
not only creates access to one
of Malden’s greatest natural resources,
but it also addresses critical
flooding issues and needed
improvements to the DPW yard,”
Mayor Christenson stated.
He added, “Boathouse construction
is particularly necessary
to support Malden High
School’s popular rowing team,
and salt shed construction is
necessary to prevent winter rock
salt runoff into the Malden River.
The entire project has broad
community support, thanks to
its active and motivated steering
committee.”
With regard to the Malden
THE MALDEN ADVOCATE–Friday, January 21, 2026
Last year, participation on
High rowing team — referred
to as the Crew Team officially
— there were three emails read
by City Clerk Carol Ann Desiderio
during the City Council’s public
comment period, all supporting
the new boathouse. Two of
them were from former team
members, including Malden
High 2025 graduate Mack Keating,
and another from a parent
of a Crew Team member.
Keating described the last two
seasons for Malden High Crew as
difficult, since there was no boathouse
or direct access to the Malden
River for the team, which
previously had temporary enclosures
for their rowing boats
and other equipment. Public
comment supporters of the new
boathouse said that Malden had
to be based out of the neighboring
community of Medford, but
“still managed to finish eighth in
the state” in a competition.
the Malden High School Crew
Team had fallen to just eight
team members. In the previous
Crew rowing season, 2024, there
were 14 team members. In past
years, with consistent access
to the river, the numbers were
much higher, with up to 24 and
30 team members, from 20212023.
With the construction of
a new boathouse, it is expected
that the participation numbers
of the Malden High team would
increase again.
Malden Councillor-at-Large
Carey McDonald, the chairperson
of the Council’s Finance
Committee, reported the committee
had unanimously supported
the resolution request
for the loan application. “This is
a key funding piece for this project.
We really want to see this
project move forward,” Councillor
McDonald said. “The steering
committee work on this project
has been consistent and productive.”
Councillor
McDonald stressed,
“None of the money [to pay
Malden River Works project description
T
his project aims to create better climate
change preparedness and a vibrant, public
riverfront park that boosts social resilience in
Malden, Massachusetts.
The overall design of the project addresses climate
mitigation and adaptation while also producing
the co-benefits of boosting social resiliency.
The park design seeks to actively invite visitors
of all backgrounds, ages, languages and socioeconomic
statuses.
The diverse cultures of Malden will be represented
on the site through art on the DPW walls
and signage, cultural events, and outdoor classes.
Bioretention and riparian areas will be complemented
by signage in various languages to
allow visitors to learn about the natural environment
or history of Malden.
Additionally, the flexibility of spaces and the
ADA-compliant design will welcome people of
all age groups and abilities.
Law Offices of
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“ATTORNEYS AND COUNSELORS AT LAW”
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369 Broadway Everett, MA 02149 (617)381-9600
JOSEPH D. CATALDO, CPA, CFP, MST, ESQUIRE.
AICPA Personal Financial Specialist Designee
back] this loan would come out
of the General Fund.” The Finance
Committee chairperson
explained that the payments for
the loan would be incorporated
in the city’s annual Community
Development Block Grant
(CDBG) allotment.
Simply, Councillor McDonald
asserted, “This is not new spending
by our city government.”
Ward 7 Councillor Chris Simonelli
asked specific questions
regarding the Section 108 loan
process, the payment of the
loan and what outstanding loans
were “on the books.” Malden Office
of Strategic Planning and
Community Development (OSPCD)
Director Alex Pratt went
to the speaker’s podium and
addressed Councillor Simonelli’s
queries in detail, confirming
Councillor McDonald’s earlier explanation
on some points.
One reference to an outstanding
Section 108 loan was an existing
$1.3 million HUD allotment
that was originally for improvements
to Roosevelt Park,
but when that project was abandoned
due to delays and cost
increases, those funds became
designated solely for the removal
of lead in about 15-20 percent
of the park.
Councillor Colón Hayes had
DEBT | FROM PAGE 1
question to raise property taxes
or an $8.2 million override. The
third question, which would be
a 30-year debt exclusion of $36
million to pay Malden’s share
of the new construction of the
Northeast Metro Tech, was proposed
in November by City
Councillors Ryan O’Malley (Ward
4), Karen Colón Hayes (at Large)
and Stephen Winslow (Ward 6).
Simonelli brought out the “full
palette” with his response: “I’m
not saying it’s not a good paper,”
the Ward 7 Councillor said, “but if
we add more colors to the painting,
it could become distorted.”
“Too many [ballot] questions
could become too confusing
and be too much to explain,”
he said. “It’s too much, too late.
Keep it simple.”
Councillors O’Malley and
Colón Hayes both agreed “this
high praise for both the hopedfor
additions of the boathouse
and salt shed and the River
Works project overall. “This project
will be transformational,” she
said, noting she had served on
the Waterfront Access Committee
and other related groups in
the past. “It is especially exciting
with the emphasis on including
and reaching out to diverse labor
sources and companies with
a diverse workforce to complete
this project.”
“We want to use our limited
dollars for our best financial advantage,”
OSPCD Director Pratt
said in response to Councillor
Colón Hayes’ remarks. Pratt also
delivered a “shout out” for the
work of OSPCD Project Manager
Becca McPheeters for her stewardship.
“She [McPheeters] does
a terrific job,” Pratt said.
Ward 2 Councillor Paul Condon
said the Section 108 loan
program had been a successful
one in Malden. “We have had
many outstanding [projects] accomplished
in this community
with the help of [the HUD loan
program],” he said.
“One of [the state grant agencies]
that oversees this project
said they have never seen a city
word so hard on a project,” Councillor
Colón Hayes said.
measure will never pass,” but
both said they believe in the
spirit of it.
“The $5.4 million override request
would cost the average
taxpayer $353 [more] a year; the
$8.2 million would be $532. This
debt exclusion — money we are
mandated to pay — would be
$90 a year over the term proposed,”
Councillor O’Malley said.
“Our voters are intelligent. I don’t
think it would be too confusing
[with three ballot questions].”
Councillors O’Malley and
Colón Hayes both voted “yes” in
a 9-2 vote against the proposed
debt exclusion/ballot question
while all other Councillors —
Crowe (Ward 1), Condon (Ward
2), Taylor (Ward 5), Winslow
(Ward 6), Simonelli (Ward 7),
McDonald (at Large), Luong (at
Large) and Council President
Amanda Linehan (Ward 3) —
voted against the measure.
Like us on Facebook advocate newspaper
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Page 7
OBITUARIES
Margaret G.
Annacone
Of Malden. A
retired inspector
for the Gillette
Company, passed
away on Tuesday,
January 20,
2026, at the age of
98.Margaret was
born in Boston in
1927, the daughter of Anthony and Antonetta
Venezia. She was raised and
educated in East Boston, graduating
from the Donald McKay High School
with the Class of 1945.She then went
to work for the Gillette Corporation in
Boston, and retired as a Packing Inspector
in 1992.Margaret was strong in her
faith and would often travel to Boston
to attend Mass in St. Anthonys Church.
She also enjoyed shopping in Boston
while she was there.
Margaret is survived by many loving
nieces, nephews, great nieces and
great nephews. She was preceded in
death by her siblings, Michael Venezia,
Cecelia Labella, Anthony Venezia, and
Charles Venezia.
Funeral services will be held from
the Weir-MacCuish Golden Rule Funeral
Home, 144 Salem St, Malden on
Friday, January 23rd, at 9 AM followed
by a Mass of Christian Burial in Sacred
Hearts Church, Malden, at 10 AM. Interment
to follow in Holy Cross Cemetery.
Visitation were held at the funeral
home on Thursday, January 22nd. Donations
in Margarets memory may be
made to the American Cancer Society.
Ralph C. Fabian
Passed away
peacefully on January
16, 2026. He
was 100 years
old. Ralph was
born and raised
in Boston's North
End. He proudly
served his country
as a member
of the United
States Navy, answering
the call of
duty during both
World War II and
the Korean War. In 1953 Ralph married
the love of his life JoAnn. In 1958, Ralph
made their home in Malden, where he
became a longtime resident. Ralph was
a longtime construction laborer and a
longtime former member of the Malden
Moose.
Ralph was the husband of the late
JoAnn A. (Murphy) Fabiano. He was the
loving father of Maureen Nicosia and
her husband Lorenzo of Saugus. Ralph
was predeceased by 6 siblings. He was
the cherished grandfather of Michael
and Kayla Nicosia. He is also survived
by nieces and nephews.
Funeral was held from the A. J.
Spadafora Funeral Home, Malden on
Thursday January 22nd, followed by
a Mass of Christian Burial in Saint Joseph's
Church, Malden. Visiting hours
were held on Wednesday. Interment
will be in Holy Cross Cemetery, Malden.
Debra Chesson
Of Malden. Passed away peacefully,
surrounded by her loving family,
on January 16. She was the cherished
daughter of Gerald and Ruth (Parker)
Burman and was born and raised in
Revere. After her upbringing in Revere,
Debra made her home in Malden with
her beloved husband, Robert. Together
they raised their sons, Michael and Matthew
and shared many joyful years of
marriage until Robert's passing in November
2025.
Debra was the heart of her family.
She was deeply devoted to those she
loved and believed that time spent together
was life's greatest gift. Family
gatherings were not just traditions-they
were celebrations, often filled with
laughter, stories, and unforgettable moments
because Debra was there. Her
love for food was well known, and she
delighted in trying new restaurants, always
eager to share a great meal and
even better company.
To her grandchildren, she was lovingly
known as "Lulu." Lulu was funny,
charismatic, and full of life-the kind
of person who lit up every room she
entered. She had a quick wit, a warm
smile, and an infectious laugh, and
she was truly the life of the party. Her
presence made everything feel brighter,
louder, and more joyful, and her absence
will be felt deeply by all who
knew her.
Debra's legacy lives on through
her sons, Michael Chesson of Fitchburg,
and Matthew Chesson of Nashua,
NH; her daughters-in-law, Veronica
and Krystal; and her beloved grandchildren,
David, Mason, Jazmine, and Myles,
who will forever carry the love and
laughter of their Lulu in their hearts. She
is also survived by her brother, Howard
Burman of South Carolina. Debra was
predeceased by her devoted husband,
Robert Chesson.
A visitation for Debra will be held at
the Weir-MacCuish Golden Rule Funeral
Home, 144 Salem Street, Malden, on
Wednesday, January 28th, from 10:00
AM to 12:00 PM. A service will follow
at 12:00 PM, with interment at Puritan
Lawn Memorial Park in Peabody.
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BHRC | FROM PAGE 2
ers from the “shock” of an extraordinarily
high third and fourth quarter tax bill in a
year when the community’s residential
property tax levy rises by more than 10
per cent. Qualifying groups of taxpayers
include people aged 65 and older who
own and occupy the home; people enrolled
in MassHealth; and people living
with children under age 6 or under 18.
Under current law, the first and second
quarter property tax bills for a given
year are estimated based on the prior
year's tax levy and do not reflect any tax
increase. As a result, the third and fourth
quarter bills must cover the entire increase,
so those two bills increase by
twice the full-year percentage increase.
The legislation would allow a municipality
to use its own funds to give qualified
persons a tax credit to cover the third
and fourth quarter spike.
“Every year across the state, there
are a few communities in which homeowners
face unusually large tax increases,”
said sponsor Sen. Will Brownsberger
(D-Belmont). “This legislation will give
those communities tools to help their
most vulnerable taxpayers.”
“It is critical that we begin this new
year by prioritizing municipal property
tax relief,” said sponsor Sen. Nick Collins
(D-South Boston). “By advancing
these responsible tax relief proposals,
we can help ease the burden of rising
property tax bills on homeowners without
harming small businesses or putting
our economy at risk.”
“I voted ‘No’ … because tax classification,
exceptions and credits, particularly
when novel, should be addressed comprehensively
and analyzed in the context
of other new proposals and existing
law,” said Sen. John Keenan (D-Quincy),
the only senator to vote against the bill.
(A “Yes” vote is for the bill. A “No” vote is
against it.)
Sen. Jason Lewis
Yes
INCREASE COMMERCIAL PROPERTY
TAX (S 2899)
Senate 5-33, rejected an amendment
that would allow the city of Boston
to shift more of its property tax burden
onto commercial real estate in fiscal
years 2027 through 2029. The amendment
is similar to the one that has been
proposed and supported by Boston
Mayor Michelle Wu.
The amendment would have allowed
THE MALDEN ADVOCATE–Friday, January 21, 2026
Sen. Jason Lewis
No
Boston to adjust its property tax classification
if residential properties were set
to bear a higher share of the total levy
than in fiscal year 2025, with maximum
shift levels capped at 181.5 percent in
fiscal 2027, 180 percent in fiscal 2028
and 178 percent in fiscal 2029.
Sen. Mike Rush (D-West Roxbury)
framed the amendment as a direct
response to what he described as a
mounting affordability crisis for Boston
homeowners, particularly seniors and
working families. He said the amendment
was filed at the request of Wu and
the Boston City Council and closely mirrored
a home rule petition approved by
the council and first filed with the Legislature
in 2024. He pointed to rising
residential values, lagging commercial
property values and statutory limits
on municipal tax increases as drivers
of recent spikes in Boston tax bills. He
said the amendment would give Boston
temporary flexibility to blunt those
increases while state and city officials
work on longer-term solutions.
Rush added that the average tax bill
for a family home rose by more than
$500 in 2025 and is expected to increase
by more than $700 in 2026, while commercial
tax rates have continued to decline.
He said those increases have disproportionately
affected seniors on
fixed incomes.
Sen. Will Brownsberger (D-Belmont)
argued that the tax shift proposal risked
producing unintended and inequitable
outcomes.
"One narrative, one example, would
be, well, I've got a struggling homeowner
that's benefiting from it,” said Brownsberger.
“That's good, and I've got an office
tower whose private equity owners
are paying more taxes. Maybe that narrative
makes sense in some cases. But
on the other hand, the truth is, we're
lowering … taxes for your very wealthy
single-family homeowner, perhaps living
in something of a mansion in the
most tony neighborhood of the city.
And you're raising taxes on your little garage
owner trying to make things work."
(A “Yes” vote is for the bill. A “No” vote is
against it.)
INCREASE TAX RELIEF TO VETERANS
(S 1948)
Senate 38-0, approved a bill that
would allow cities and towns to hike
from the current $1,500 to $2,000, the
property tax break for veterans and
spouses of deceased or disabled veterans
in exchange for their providing
volunteer services to their municipality.
“Our veterans have already given so
much in service to our nation, and they
deserve to be able to remain in the communities
they call home,” said sponsor
Sen. Julian Cyr (D-Provincetown). “For
many veterans on Cape Cod, the Islands
and across Massachusetts, rising
property taxes are putting undue pressure
on household budgets that are already
razor thin. This bill gives communities
a meaningful property tax relief
tool while recognizing the service veterans
have already given so they may
live with the dignity they have earned.”
(A “Yes” vote is for the bill.)
Sen. Jason Lewis
Yes
CREATE TAX REBATE PROGRAMS
(S 2900)
Senate 37-1, approved and sent to
the House a bill that would give cities
and towns the option to create tax rebate
programs for residents who already
benefit from a local residential
exemption. This new rebate program
would allow cities and towns to set income
and asset thresholds, tailoring relief
to local residents’ needs.
“It is critical that we begin this new
year by prioritizing municipal property
tax relief,” said sponsor Sen. Nick Collins
(D-South Boston). “By advancing
these responsible tax relief proposals,
we can help ease the burden of rising
property tax bills on homeowners without
harming small businesses or putting
our economy at risk.”
“I voted ‘No’ … because tax classification,
exceptions and credits, particularly
when novel, should be addressed comprehensively
and analyzed in the context
of other new proposals and existing
law,” said Sen. John Keenan (D-Quincy),
the only senator to vote against the bill.
(A “Yes” vote is for the bill. A “No” vote is
against it.)
Sen. Jason Lewis
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Yes
MEANS TESTING (S 2902)
Senate 37-0, approved and sent to
the House a bill that would make it easier
for communities to offer local property
tax exemptions to seniors by allowing
cities and towns to institute a
means-tested senior citizen property
tax exemption for income-eligible seniors
who have lived in their community
for at least 10 years.
“Rising property taxes have created
serious financial burdens for many elderly
residents in my communities and
across Massachusetts,” said sponsor Sen.
Jason Lewis (D-Winchester). “The legislation
that I filed to provide an option
for municipalities to opt in to a senior
citizen property tax exemption would
allow municipalities to support struggling
income-eligible seniors and allow
many aging residents the ability to
continue to live in their communities
and not be driven out due to increasing
tax burdens.”
(A “Yes” vote is for the bill.)
Sen. Jason Lewis
Yes
REQUIRE MORE PUBLIC DISCLOSURES
OF FUNDRAISING AND
SPENDING BY BALLOT QUESTION
GROUPS (S 2898)
Senate 38-0, approved and sent to
the House a bill requiring more frequent
public reporting of fundraising
and spending by groups supporting or
opposing ballot questions. Under the
bill, ballot question committees would
be required to provide monthly reports
on their finances. After September of
that year,, campaigns would have to
file biweekly reports until Election Day.
The bill would hold ballot question campaigns
to the same standard of disclosure
already followed by candidates
for office. Currently, ballot committees
don’t have to report on their finances
between Jan. 20 and September.
“This is a bipartisan bill, a commonsense
bill that we must pass now to ensure
our campaign finance laws are
strengthened, they're consistent and
they're fair for everyone,” said sponsor
Sen. Sal DiDomenico (D-Everett). “The
ballot questions are happening this
fall. We have to get this done right now.”
“Statewide ballot questions are a
great tool for empowering the public
to vote directly on statewide policies,
but it is vitally important that our voters
know which people and organizations
are funding these policy proposals,” continued
DiDomenico. “I am proud to pass
my legislation through the Senate that
will close a loophole in our campaign
finance law and ensure our residents
have all the information they need to
make an educated decision when voting
on ballot measures.”
“With the increasing number of ballot
questions in each election, the need
for transparency has never been greater,”
said Sen. John Keenan (D-Quincy),
Senate Chair of the Joint Committee
on Election Laws. “Many of the questions
are backed with significant funding
and other resources. This important
bill will allow voters to see who is supporting
or opposing the ballot questions,
sponsoring the ads and paying
for mailings. It will help voters make informed
decisions at the polls.”
(A “Yes” vote is for the bill.)
Sen. Jason Lewis
Yes
SIGNATURE GATHERING FOR BALLOT
QUESTIONS (S 2898)
Senate 34-3, approved an amendment
that would require that when a
ballot question group pays people or a
company to gather signatures to qualify
the question to be on the ballot, the
petition must include a disclosure, in a
manner to be determined by the secretary
of state, which clearly informs potential
signers that the petition is being
distributed by a paid signature gatherer.
Another provision prohibits
pay-per-signature arrangements in
this signature gathering process and
specifically prohibits any bonus pay or
incentives, paid to the signature gatherer,
which is contingent upon the number
of signatures collected. A violation
of this ban would be punishable by a
fine of between $100 and $10,000 and
each signature collected would be considered
to be a separate offense.in violation
of this section.
“By prohibiting pay-per-signature arrangements,
we will drastically reduce
the unique financial incentive for signature
gatherers to mislead voters into
signing petitions and ensure that initiative
campaigns can still collect signatures
based on the merits of the policy,”
said sponsor Sen. Barry Finegold
(D-Andover).
"Individuals should not be restricted
from engaging in political activity that is
legal,” said Sen. Ryan Fattman (R-Sutton),
one of three senators to vote against
the amendment. “The proponent of
the amendment says that this will stop
fraudulent activity, but fraudulent activity
is already illegal and published
on the signature petition. My position
revolves around freedom of speech,
where people have the ability to petition
their government through a ballot
process. The ballot process includes
payment to collect signatures in various
forms, and I don't believe it's constitutional
to ban that."
(A “Yes” vote is for the amendment. A “No”
vote is against it.)
Sen. Jason Lewis
Yes
BLUE STAR LICENSE PLATES (S
2903)
Senate 38-0, approved and sent to
the House a proposal that would create
a new special license plate to honor
the memories of fallen law enforcement
officers by offering a symbol of respect
to their surviving spouses, parents and
children. It would also create a Blue Star
Family emblem for motorcycle plates.
“As we mourn Officer Stephen LaPorta,
who fell in the line of duty, we are reminded
that the freedoms and protections
of our commonwealth would be
impossible without the courage and
service of Officer LaPorta and all those
who have given their lives to protect
others,” said Senate President Karen
Spilka (D-Ashland). “His selflessness reflects
the very best of public service and
stands as a solemn reminder of the profound
debt we owe to those who place
themselves in harm’s way to keep our
communities safe. This legislation represents
small but meaningful recognition
to honor the memory of the fallen
and to affirm our enduring commitment
to the families and loved ones
they leave behind.”
“It’s especially fitting to bestow this
highly visible license plate in recognition
for families of law enforcement officers
who made the ultimate sacrifice
protecting their communities,” said Sen.
Mike Rodrigues (D-Westport), Chair of
the Senate Committee on Ways and
Means. “This distinctive plate will be
available to spouses, children and parents
of fallen law enforcement officers
all across the commonwealth at no additional
charge from the Registry. It is a
small but meaningful token of appreciation
that we can do to honor these
BHRC | SEE PAGE 12
׉	 7cassandra://9tYaFxxxeEzh2cig-_B1YlFF-0n9lizT_sIQw99EZm00Z` irN{$"׉E<THE MALDEN ADVOCATE–Friday, January 21, 2026
Page 9
Malden keeps Rev. Dr. King’s dream alive on his birthday
Emmanuel Baptist Church
Pastor Rev. Wayne Gadie
blessed the ceremony.
Dr. Carl Mack gave the keynote
address.
“Lift every voice and sing” opened the program. At right, Councillor-At-Large Karen Colón Hayes
gave the statement of occasion.
Mattie Williams welcomed the
attendees.
Richard Voltaire offered the
prayer.
Shown from left to right, are: Jacoby James, DEI Director Kashawna
Harling, Kristy Magras, Pastor Wayne Gadie, Councillor-At-Large
Karen Colón-Hayes, guest speaker Dr. Carl Mack, and Eric Henry.
(Advocate photos by Tara Vocino)
Mary Ellen O’ Meara sold books
as part of the Friends of the
Malden Public Library popup
sale. The Friends offered a
carefully curated selection of
books from their collection,
adapting to the event.All books
are sold for $1-2. (Courtesy photo, Mary
Ellen O’Meara)
Mayor Gary Christenson said
the community has worked
tirelessly to make MLK proud.
Maya Watkins did a liturgical
dance.
Audience members held signs for justice.
Community Praise Singers performed. Front row, shown from left to right, are:
Brandon Coke, Patricia White, Maya Watkins, and Kim Sneed. Back row, shown
from left to right, are: Jeremiah Marn, Dr. Phil Conti, Willis Rose, and Rev. Gary
McClenthen.
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rבCט   Uru׉׉	 7cassandra://-sa606G-kKOfcyBa4TsRz7_LESvlFWKAF2X4aHIVpK0 `'p׉	 7cassandra://gheXW7n7lRleK_mYsL8-ZTwKmSy6w4wtg3uMbBF9YrQ͸t`׉	 7cassandra://mRvZu1CnGyqrwK2MNqpgyUwKM6QoXitJuc9KDBMS_oc1` irN{$"ט U Uru׉׉	 7cassandra://qTss2Ev1vb83UjNId6e7e3sVeQNjxcAR_fO1nTGYx4w q`'p׉	 7cassandra://exhji_4kEtNPERvEhoPj8NdmY7-40X0pn6NO14kq-0E͸`׉	 7cassandra://JinZdBD_d-VbcHswArYDsqNkjEpW4fnGDsBhsZZpkrU18` irN{$"ВנirN{$"ځ 	̇9ׁHmailto:mcorreia@ilctr.orgׁׁЈנirN{$"ف Y̙9ׁHhttps://www.ilctr.org/ׁׁЈ׉EPage 10
THE MALDEN ADVOCATE–Friday, January 21, 2026
Savvy Senior
by Jim Miller
How To Find a Quality Nursing
Home for Your Loved One
Dear Savvy Senior,
Can you give me some tips on picking a good nursing
home for my father? Since his stroke, I’ve been taking
care of him at home, but he’s gotten to the point
where it’s too much for me to handle.
Exhausted Daughter
Dear Exhausted,
Choosing a nursing home for a loved one that provides
quality is a very important decision that requires
careful evaluation and some homework. Here
are some steps you can take that can help you find a
good facility and avoid a bad one.
Make a list: There are several sources you can turn
to for referrals to top nursing homes in your area including
the Area Agency on Aging (call 800-677-1116
or visit Eldercare.acl.gov for contact information);
your dad’s doctor or nearby hospital discharge planner;
friends or neighbors who may have had a loved
one in a nursing home; and online at Medicare’s nursing
home compare tool at Medicare.gov/care-compare.
This tool will not only help you locate nursing
homes in your area, but it also provides a 5-star rating
system on recent health inspections, staffing, quality
of care, and overall rating.
Also, keep in mind that it’s always best to choose
a nursing home that’s close to family members and
friends who can visit often, because residents with
frequent visitors usually get better care.
Call your long-term care ombudsman: This is a
government official who investigates nursing home
complaints and advocates for residents and their
families. This person can tell you which nursing
homes have had complaints or problems in the past
and can help you locate a good facility. Visit LTCombudsman.org
for local contact information.
Contact the nursing homes: Once you’ve narrowed
your search, call the nursing homes you’re interested
in to verify that they can facilitate your dad’s needs.
Also, find out if they have any vacancies, what they
charge, and if they accept Medicaid.
Tour your top choices: During your nursing home
visit, notice the cleanness and smell of the facility. Is
it homey and inviting? Does the staff seem responsive
and kind to its residents? Additionally, be sure to
taste the food, and talk to the residents and their family
members, if available. It’s also a good idea to visit
several times at different times of the day and different
days of the week to get a broader perspective.
And be sure to find out about their staff screening
and training procedures, staff-to-patient ratio, and
the staff turnover rate.
To help you rate your visit, Medicare offers a helpful
checklist of questions to ask at Medicare.gov/media/document/12130nursing-home-checklist508.
pdf
that you can print and take with you on your visit.
Paying for Care
With nursing home costs now averaging $324 per
day nationally for a semi-private room and nearly
$371 for a private room, paying for care is another
area you may have questions about or need assistance
with. Medicare only helps pay up to 100 days
of rehabilitative nursing home care, which must occur
after a hospital stay of at least three days.
Most nursing home residents pay for care from
either personal savings, a long-term care insurance
policy, or through Medicaid once their savings are
depleted. Or, if your dad is a veteran, he may be able
to get funds through the VA’s Aid and Attendance
benefit (see VA.gov/pension/aid-attendance-housebound).
To
learn more about the payment options, ask the
nursing home director. You can also get help from
your State Health Insurance Assistance Program
(SHIP), which provides free counseling on all Medicare
and Medicaid issues. To find a local SHIP counselor
visit ShipHelp.org or call 877-839-2675.
And for more information, see Medicare’s booklet
“Your Guide to Choosing a Nursing Home” (product
# 02174). You can view it online at Medicare.gov/
Publications.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.
org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
1. Jan. 23 is Bounty Day; it is celebrated on Pitcairn Island with
burning of what replica?
2. What is Massachusetts’ official state marine mammal?
3. Public bus lines originally used what transport method?
4. On Jan. 24, 1862, what authoress of “Ethan Frome” (set in
Mass.) and The Mount was born?
5. January is Walk Your Dog Month; in 1960 why did NYC salesman
Jim Buck “go to the dogs” professionally?
6. What vaudevillian/humorist said, “I love a dog, he does nothing
for political reasons”?
7. On Jan. 25, 1961, what film with a character named Cruella
De Vil had its USA release?
8. In what country would you find snow monkeys, the northernmost
monkeys?
9. Why were the Frances Appleton Footbridge (2018) and Longfellow
Bridge named that?
10. Reportedly, the word “jaywalker” comes from “jay-driver,”
which meant what?
11. On Jan. 26, 1988, what show opened on Broadway that was
its longest-running show?
12. What language is the drink name “mai tai” from: Creole, Japanese
or Tahitian?
13. What country that is mostly ice has only one community not
on its coast?
14. Jan. 27 is National Chocolate Cake Day; how are Ding Dongs
and Ring Dings similar?
15. At the 1908 London Olympic Games was the first Olympic
figure skating, including “special figures,” which is what?
16. What Semi-Colon Club member/authoress with the middle
name Beecher had a sister, Catharine, who wrote “Physiology
and calisthenics. For schools and families”?
17. On Jan. 28, 1958, what company patented a brick design?
18. Reportedly, do male or female bears emerge from hibernation
first?
19. In 1838 what two countries became involved in the minor
“Pastry War”?
20. On Jan. 29, 1954, Oprah Winfrey was born in what Mississippi
city named for a Polish general during the American Revolution
(also the name of a mustard)?
ANSWERS
1. HMS Bounty (a mutiny on the
ship inspired books, films and
other works)
2. North Atlantic right whale
3. A long-bodied horse-drawn
carriage (“bus” comes from the
French omnibus [1829])
4. Edith Wharton (The Mount was
her home in Lenox, Mass.)
5. He got bored with sales and became
“a professional dog walker,
dog trainer and dog sitter”
6. Will Rogers
7. “One Hundred and One Dalmatians”
8.
Japan
9. Henry Wadsworth Longfellow
often walked from Cambridge
across the West Boston Bridge
(later renamed twice) to meet
Frances Appleton (future wife)
at her Beacon Hill home
10. A car or horsedrawn carriage
driver driving on the wrong side
of the road
11. “The Phantom of the Opera”
12. Tahitian
13. Greenland (Kangerlussuaq,
which is at the end of a long
fjord)
14. Types of prepackaged snack
cakes ; they debuted in the
1950s and 60s
15. Tracing patterns on ice with one
skate blade, including skaters’
original complex designs
16. Harriet Beecher Stowe
17. LEGO
18. Males (females with cubs
emerge later)
19. France and Mexico (set off by
a French pastry chef in Mexico
complaining that Mexican army
officers damaged his business)
20. Kosciusko
׉	 7cassandra://mRvZu1CnGyqrwK2MNqpgyUwKM6QoXitJuc9KDBMS_oc1` irN{$"׉EpTHE MALDEN ADVOCATE–Friday, January 21, 2026
Page 11
Malden, Everett and Medford high school students can have
their voice heard and win cash prizes
T
he Immigrant Learning Center
(The ILC) is now seeking
art and essays from teens at Malden,
Everett and Medford public
high schools for their fifth annual
Teen Perspectives Contest. Students
are invited to submit original
work on the topic “How Immigration
Benefits My Community”
now through Monday, February
9, 2026. Cash prizes up to
$300 will be awarded for first-,
second-, third-place and honorable
mentions. Now in its fifth
year, Teen Perspectives is a great
opportunity for high school students
to express themselves on
such an important and timely
topic, whether they come from
immigrant communities or were
born in the United States.
“The Immigrant Learning Center
has been a generous partner
to Malden High School. They
have become an annual tradition
within our school through their
Teen Perspectives Contest,” said
Malden Public Schools Director
of History and the Arts Gerard
Tannetta. “Our students excitingly
participate through essay writing,
art projects, and videos. As
the most diverse high school in
the state of Massachusetts, Malden
High School is always looking
for ways to honor our students’
diverse cultures and identities.
The Teen Perspectives Contests
allows our students to tell
their stories through their lens
and provides a wonderful opportunity
to amplify their voice.”
Winners will be notified the
week of March 23, 2026. There
will be a ceremony for the students,
their families and teachers
on Wednesday, April 15, 2026, at
Malden High School.
Learn more about how to enTRUST
INCOME TAX RETURNS
FOR 2025 TAX YEAR
have to file for a federal ID number
for the Trust with the IRS.
If the Trust does not distribute
F
or this upcoming tax season,
whether you have previously
executed a revocable trust or irrevocable
trust, it is important to
know the Trust income tax return
filing requirements. If you have
executed a revocable Trust, it
will be treated as a grantor-type
Trust and therefore no separate
tax return will be required to be
filed for the Trust. If you were to
open a stock brokerage account
or money market account in the
name of such a trust, for example,
you can have the bank or
financial institution simply use
your social security number for
IRS 1099 reporting purposes.
Upon your death as the Settlor
of such a revocable Trust, the
Trust would then become irrevocable
and would no longer be
classified as a grantor-type trust.
In such an event, if the Trust generates
income, whether interest,
dividend, capital gain income,
or net rental income from rental
real estate, then a separate Trust
tax return would need to be filed.
Furthermore, the Trustee would
its income, it will have to pay taxes
at the Trust level. The highest
tax bracket for Trusts of 37 percent
starts at only $15,650 in taxable
income. Therefore, it is often
more desirable to distribute
the income to the income beneficiaries
in order to claim an income
distribution deduction at
the Trust level to zero out the
Trust’s taxable income. The income
will then be taxed to the income
beneficiaries who actually
receive the distribution on their
individual income tax returns.
For the 2025 calendar year, the
22 percent tax bracket for a married
couple does not begin until
taxable income reaches $96,950.
The 37 percent tax bracket for
the same couple does not begin
until taxable income reaches
$751,600.
With a Medicaid irrevocable
Trust executed for asset protection
purposes, a tax return would
have to be filed by the Trust under
its federal ID number in the
event it generates taxable income.
The Trust should be drafted
in such a way as to be treated
as a grantor-type Trust. If this
Trust is generating taxable income,
there would then be a
grantor letter issued to the Settlor/Grantor/Trustor
of the Trust
in order for that person to report
the items of income on his or her
individual income tax return.
There are several Trust provisions
that would need to be included
in the irrevocable Trust in order
for it to be treated as a grantor-type
Trust for tax purposes.
Since the irrevocable Trust is
drafted to be treated as a grantor-type
Trust, it does not matter
if interest income, dividend income,
capital gain income or net
rental income is actually distributed
to the Grantor. Those items
of income will pass through to
the Grantor of the Trust via the
grantor letter and will be reported
on his or her Form 1040.
The Trust will not be paying the
income taxes on the income it
generates.
Upon the death of the Settlor
of the irrevocable Trust, the Trust
will no longer be treated as a
grantor-type Trust. Consequently,
any net income generated by
the Trust will be taxed at higher
Trust income tax rates unless the
net income is actually distributed
to the income beneficiaries or remainder
beneficiaries.
For this upcoming tax season,
be aware of the income tax rules
pertaining to revocable and irrevocable
Trusts when determining
whether or not a tax return
needs to be filed, and if so, which
type of Trust income tax return.
Joseph D. Cataldo is an estate planning/elder law attorney,
Certified Public Accountant, Certified Financial Planner, AICPA Personal
Financial Specialist and holds a master’s degree in taxation.
ter this year’s contest and view
last year’s entries on The ILC’s
website at https://www.ilctr.org/
for-teachers/teen-perspectives.
The 2026 Teen Perspective’s
Contest is sponsored in part
through a grant from the Malden
Cultural Council. Additional
sponsorship opportunities
are available. Those interested
in contributing can reach out to
Director of Development Mark
Correia at mcorreia@ilctr.org.
About The Immigrant
Learning Center, Inc.
The ILC, which is located in
Malden, Massachusetts, is a nonprofit
organization that gives
immigrants a voice in three
ways. The English Language Program
provides free, year-round
English for Speakers of Other
Languages classes to help immigrant
and refugee adults in
Greater Boston become successful
workers, parents and community
members. The Public Education
Institute informs Americans
about immigrants and immigration
in the United States,
and the Institute for Immigration
Research, a joint venture
with George Mason University,
produces valid, reliable and
objective multidisciplinary research
on immigrants and immigration
to the United States.
Local student named to Bucknell
University Dean’s List
B
ucknell University, which is located in Lewisburg, Pa., has released
the Dean’s List for outstanding academic achievement
during the fall semester of the 2025-26 academic year. A student
must earn a grade point average of 3.5 or higher on a scale of 4.0
to receive Dean’s List recognition. Addison McWayne, 2029, of Malden,
Mass., has earned this honor.
FURNISHED ROOM FOR RENT
EVERETT
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Call: 617-435-9047 - NO TEXT
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THE MALDEN ADVOCATE–Friday, January 21, 2026
BHRC | FROM PAGE 8
brave men and women who paid the
price when answering the call to duty.”
(A “Yes” vote is for the bill.)
Sen. Jason Lewis
Yes
ALSO UP ON BEACON HILL
DIRECT PRIMARY CARE (S 2732) –
The Committee on Consumer Protection
and Professional Licensure gave a
favorable report and has recommended
that the House and Senate approve
a bill that would prohibit health insurance
carriers, particularly in the context
of direct primary car (DPC) arrangements,
from denying payment for covered
health care services based solely
on the provider being outside the carrier’s
network, as long as the service itself
is covered.
The measure also clarifies that dispensing
controlled substances must be
for a legitimate medical purpose; and removes
restrictive language about dosage
limits and emergency dispensing,
potentially easing access for patients
in urgent need.
“I proposed this legislation to minimize
the burdens that come with seeking
care,” said sponsor Sen. Michael
Moore (D-Millbury). “This bill would
bring Massachusetts into line with several
other states that recognize the essential
care services that DPC physicians
provide and help connect underserved
communities with healthcare that is
covered by the insurance they already
pay for. The way people are receiving
essential healthcare is changing – our
medical systems should change with it.”
CREDIT CARDS (S 2819) – The Committee
on Consumer Protection and
Professional Licensure also gave a favorable
report to and has recommended
that the House and Senate approve
a bill that supporters say would update
Massachusetts law and regulate how
businesses can encourage non-credit
card payments and charge for credit
card use, with an emphasis on transparency
and consumer protection. The
bill would allow businesses to offer discounts
to customers who pay by cash,
check or similar means -- and would
prohibit credit card issuers from restricting
those discounts, provided the discount
is clearly disclosed in advance of
the transaction.
"I sponsored [the bill] to promote
transparency and fairness for both consumers
and small businesses,” said sponsor
Sen. Jake Oliveira (D-Ludlow). “Credit
card processing fees continue to rise,
and this legislation ensures businesses
can recover legitimate costs, while giving
consumers clear information before
they complete a purchase."
KIDNEY FAILURE (S 2737) – The
Health Care Financing Committee held
a hearing on legislation that would reverse
the exclusion of under-age 65
with a diagnosis of End Stage Renal
Disease (ESRD or kidney failure) from
being able to purchase Medicare Supplement
health insurance plans, also
called Medigap.
Supporters said this bill would ensure
that Medicare-eligible Bay Staters
under the age of 65 with ESRD – who
are on Medicare but not the Massachusetts
Medicaid program (called non-duals)
have the same legally protected
access to affordable Medigap plans
as they would have if they had gotten
sick at age 65.
“As someone who survived and
knows firsthand the fear, the cost and
the uncertainty that come with kidney
failure, I filed this bill because no one
should be denied the coverage they
need simply because they got sick before
turning 65,” said sponsor Sen. Adam
Gomez (D-Springfield). “Massachusetts
is one of only four states that still blocks
younger ESRD patients from accessing
affordable Medigap plans, and that barrier
keeps too many people from financial
stability and lifesaving transplants.
This legislation is a simple, long overdue
fix that will finally give hundreds
of patients the protection and dignity
they deserve.”
HIV – GETTING TO ZERO WEEK (H
3381) – The House gave initial approval
to a proposal that would set apart December
1-8 as “Getting to Zero Week” to
increase public awareness, understanding
and recognition of our communities’
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REAL ESTATE TRANSACTIONS
BUYER1
Armstrong, Ralph W
Chen, Wei
Islam, Khandakar N
Lam, Steven
Li, Miaoxin
Resop, Daniel
Teper, Michael S
BUYER2
SELLER1
Deorchis, Douglas J
Weng, Perry Levine, Philip
Khimani, Amaan
Levine, Phillip
Mcdowell, Brendan Mcdowell, Shannon
Shaikh, Needa
Arsenault, Richard W Arsenault, Debra A
Resop, Regina L
Donofrio, Christine A
Regina L Resop Ft
Nolan Ft
SELLER2
shared commitment to end the HIV and
AIDS epidemic in the Bay State by getting
to zero new cases, zero HIV-related
deaths and zero stigma.
“We have the ability, not just within
our lifetimes but within the next ten
years, to reach zero new HIV cases, zero
HIV-related deaths and zero stigma associated
with HIV status,” said sponsor
Rep. Jack Lewis (D-Framingham). He
said the bill would recognize our communities
and commonwealth’s shared
commitment to ending the HIV epidemic
and supporting essential public
health efforts.”
QUOTABLE QUOTES
“Over $3 billion in benefits will flow
into Massachusetts thanks to this major
transmission line. That means lower
bills, more jobs and the power we need
to grow our economy. Our administration
played an important role in keeping
this project on track and affordable.”
---Lt Gov. Kim Driscoll, on completion
of the New England Clean Energy Connect
transmission line that is now delivering
affordable, stable hydropower
from Canada to the Bay State.
“When projects move faster, costs
go down – and those savings matter.
By shortening review timelines from
years to just 30 days, we’re getting more
housing built and making life more affordable
for families and communities.”
---Gov. Maura Healey on her reforms,
effective on January 30, implementing a
new streamlined process to make it easier
and faster to build homes in Massachusetts
and lower housing costs.
"Young children learn best through
play. These grants continue to equip
educators with tools that lead to equitable
and meaningful learning experiences
for students."
---Commissioner of Elementary and
Secondary Education Pedro Martinez,
on awarding $140,000 in grants to four
school districts to continue efforts to
incorporate playful learning strategies
into preschool through third grade
classrooms.
“We critically need increased monitoring,
oversight and public reporting
of Massachusetts Assisted Living Residences
so it’s important that the Legislature
approve the necessary funding
to increase staffing and resources and
make other legislative actions that will
improve oversight and consumer protections,
as advised by the Commission.”
---Liane Zeitz, member of the Massachusetts
Chapter of the National Academy
of Elder Law Attorneys, applauding
the final report by the Massachusetts
Assisted Living Residences Commission,
which outlines recommendations to imBHRC
| SEE PAGE 13
Copyrighted material previously published in Banker & Tradesman/The Commercial
Record, a weekly trade newspaper. It is reprinted with permission from the publisher,
The Warren Group. For a searchable database of real estate transactions and property
information visit: www.thewarrengroup.com.
ADDRESS
CITY
20 Rockland Ave #3 Malden
16 Boylston St
100 Medford St
Malden
Malden
30 Franklin St #105 Malden
19 Bellvale St
Malden
33-35A Havelock St Malden
52 Park Ave
Malden
DATE
PRICE
12.29.25 453500
12.30.25 740000
12.31.25 1175000
12.31.25 418000
12.29.25 628000
12.29.25 1550000
12.29.25 675000
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Page 13
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26 Garvey St., Everett
MDPU 28003 ICCMC 251976
Frank Berardino
MA License 31811
● 24-Hour Service
● Emergency Repairs
BERARDINO
Plumbing & Heating
Gas Fitting ● Drain Service
Residential & Commercial Service
617.699.9383
Senior Citizen Discount
BUDGET
SERVICES
RUBBISH REMOVAL
* Interior-Exterior Demolition
Bathroom/Kitchen/Decks, Etc.
* All Types of Debris Removed
* Pick-up Truck Load of Trash
starting at $239.
~ Licensed & Insured ~
Call (978) 494-3443
Clean-Outs!
We take and dispose
from cellars, attics,
garages, yards, etc.
Call Robert at:
781-844-0472
BHRC | FROM PAGE 12
prove health and safety standards at the
state’s assisted living facilities, following
the death of ten residents in July 2025
fire at the Gabriel House in Fall River.
HOW LONG WAS LAST WEEK’S
SESSION?
Beacon Hill Roll Call tracks the length
of time that the House and Senate were
in session each week. Many legislators
say that legislative sessions are only one
aspect of the Legislature’s job and that a
lot of important work is done outside of
the House and Senate chambers. They
note that their jobs also involve committee
work, research, constituent work
and other matters that are important to
their districts.
Critics say that the Legislature does
not meet regularly or long enough to
debate and vote in public view on the
thousands of pieces of legislation that
have been filed. They note that the infrequency
and brief length of sessions
are misguided and lead to irresponsible
late-night sessions and a mad rush
to act on dozens of bills in the days immediately
preceding the end of an annual
session.
During the week of January 12-16,
the House met for a total of 23 minutes
and the Senate met for a total of
six hours and 16 minutes.
Mon. Jan, 12
The Kid Does
Clean Outs
From 1 item to 1,000
* Basements * Homes * Backyards
* Commercial Buildings
The cheapest prices around!
Call Eric: (857) 322-2854
House11:02 a.m. to 11:12 a.m.
Senate 11:09 a.m. to 11:35 a.m.
Tues.Jan. 13
No House session.
No Senate session.
Wed. Jan. 14
No House session.
NO Senate session.
Thurs. Jan. 15
J.F & Son Contracting
Snow Plowing
No Job too small! Free Estimates!
Commercial & Residential
781-656-2078
- Property management & maintenance
Shoveling & removal
Landscaping, Electrical, Plumbing, Painting, Roofing, Carpentry, Framing,
Decks, Fencing, Masonry, Demolition, Gut-outs, Junk Removal & Dispersal,
Clean Ups: Yards, Garages, Attics & Basements. Truck for Hire, Bobcat Services.
House11:02 a.m. to 11:15 a.m.
Senate1:12 p.m. to7:02 p.m.
Fri.Jan 16
No House session.
No Senate session.
Bob Katzen welcomes feedback at
bob@beaconhillrollcall.com
Bob founded Beacon Hill Roll Call
in 1975 and was inducted into the
New England Newspaper and Press
Association (NENPA) Hall of Fame in
2019. Copyright © 2026 Beacon Hill
Roll Call. All Rights Reserved.
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THE MALDEN ADVOCATE–Friday, January 21, 2026
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Page 15
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TRINITY REAL ESTATE
321 MAIN STREET | SAUGUS, MA | VILLAGE PARK
TrinityHomesRE.com
28 Osprey Rd., Saugus 01906 - Commercial
Rental List Price: $3,500
Listed by: Patricia Torcivia Cell: 781.820.0974
A 2 story building in Prime Location with the 2nd level unit
available for rental office space to sublet consisting of
approximately 4000 sq ft of 7 furnished offices and a designated
kitchen along with 2 restrooms. Upon entering the unit you are
greeted into a Large foyer entrance that opens into a spacious
reception room which leads to a huge spacious office that leads out
to a long hallway consisting of another 4 offices (2 smaller offices
and 2 ex lg) and a designated kitchen that includes a refrigerator
along the hallway is a men and women restrooms....rental price
includes all utilities (Heat/electric/AC/water) .Move-in
condition...office furniture included...Wi-Fi negotiable Easy access
to Rt 99 near Lowe's and Rt C-1 exit in front of building...
Available Jan 1,2026
722 Lowell Street, Peabody 01960 - Rental
Rental List Price: $3,500
Listed by: Lucia Ponte Cell: 781.8838130
Spacious and Beautifully Renovated Duplex! This stunning home has
been completed with well planned details and layout, throughout.
Much elegance is expressed in the large foyer that introduces you to
the open-concept living and dining space, both with decorative FP.
The beautiful, huge kitchen features custom cabinetry, large center
island, pendant lighting, granite countertops, stainless steel
appliances, w/breakfast area. The second level offers a spacious
primary bedroom with cathedral ceiling, two generous closets, and a
beautiful ensuite bath with sky light. Two additional bedrooms, with
beamed vaulted ceilings Unit is sun filled and has been meticulously
maintained. Additional highlights include in-unit laundry in the
basement & two-car parking
781.231.9800
230 Broadway, #2, Lynn 01904 - Rental
Rental List Price: $2,400
Listed by: Patricia Torcivia Cell: 781.820.0974
A freshly painted 2nd floor apartment consisting of a 5 Room/2
Bedroom owner occupied house that is located in a desirable area
near Wyoma Square... Features include lots of cabinet space in the
kitchen with electric stove, new refrigerator, tiled floor and a walk
through that leads to an open dining room/living room with hardwood
floors and natural woodwork with built-in china cabinet.. two
bedrooms and a newer bathroom with tiled floor finish off this great
layout with closet space and hardwood floors in the bedroom as
well...covered parking for one car under the carport and front and
rear porches for sitting outdoors...Available for Feb 1..Must have
good references..1st month rent, last month rent, and one month
security deposit is required at signing a one year lease.
3 Hunnewell St., Melrose, MA 02176
List Price: $1,375,000
Listed by: Dale Brousseau Cell: 617.957.2728
Three family in Melrose represents a strong investment opportunity with
immediate income & long-term upside. Set on a nice13k sq ft lot, the
property offers exceptional parking capacity & outdoor space. Unit 1
delivers a desirable three bedrooms, including a Primary Suite, plus a
lower-level family room with private entrance & in-unit laundry. This unit
currently rents for $3,400 per month & includes exclusive use of the
oversized two-car garage, enhancing both appeal & revenue potential.
Units are occupied by long-term tenants, providing stable, predictable
income. All units have separate utilities, hardwood floors and replacement
windows throughout.
Providing Real Estate Services for Nearly Two Decades
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THE MALDEN ADVOCATE–Friday, January 21, 2026
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fp, hdwd, finished lower level, 1 car garage, large level lot, super location. $799,900.
LYNN - Mixed use building, store front on 1st floor with side st access,
residential unit on 2nd floor. Needs TLC – Great Opportunity! $589,900.
LYNNFIELD - Prime Center Location! Well maintained Wills built home sits on a
builders acre lot. Generous sized rooms, 4 bedrooms, 3 full baths, hardwood floors
in many rooms, 2 c garage $999,000.
CHELSEA - GREAT INVESTMENT OPPORTUNITY! 7 corner condo units each with 2
bdrms & 2 baths, located at Mill Creek $3,100,000.00
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COMMONMOVES.COM
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REVERE - Desirable one-owner Ranch offers 2-3 bedrooms, huge
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Linda Surette
781-910-1014
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r,Malden Advocate 01/23/2026Malden Advocate 01/23/2026irNHlj`