​People's Credit Union Appoints Patricia Carlin as Head of Finance and Risk
Experience Executive Brings Wealth of Knowledge in Finance and Management


MIDDLETOWN, RI (June 11, 2024): People's Credit Union announced the appointment of Patricia Carlin as Head of Finance and Risk, effective immediately. As a member of the Executive Management Team, Ms. Carlin will be responsible for the Finance, Financial Recovery, and Risk departments, with accountabilities that include budgeting & forecasting; financial reporting and analysis; audit and tax filing; asset liability management and compliance.


“I’m excited to welcome Trish to the Leadership Team at People’s Credit Union,” said Sean Daly, Head of People’s Credit Union. “With more than 30 years of proven finance experience and a strong track record of leadership, she is well-positioned to help us deliver on our purpose and ensure we are able to support our members and the community in the future.”
 
Over more than three decades, Ms. Carlin has held numerous finance and accounting roles including Controller and Finance Manager at Waste Management of RI, and Accounting Manager and Assistant Controller at BankNewport. Most recently, Carlin was Controller at Coastal1 Credit Union. A double major graduate of Salve Regina College with a BS in Financial Management and Accounting, she also has a certificate of graduation from the New England School for Financial Studies. 


As Head of Finance and Risk, Ms. Carlin will work to ensure that the Finance, Financial Recovery, and Risk department-related procedures, policies, programs, and communications are aligned to the Credit Union's strategic goals, core values, and purpose.


Ms. Carlin currently resides in Newport with her husband, avid Carlin III, and their dog, Max.
Patricia Carlin, Head of Finance and Risk at People's Credit Union
ABOUT PEOPLE’S CREDIT UNION
Founded in 1922 and headquartered in Middletown, RI, People's Credit Union is a purpose-driven, member-owned, state-chartered, community credit union that serves as a catalyst for positive change in the community through its member engagement and community support. Known for its wide array of personal banking and business banking products & services, including personal, mortgage, and business lending, membership is open to all individuals. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. For more information visit
peoplescu.com.

BayCoast Mortgage Joins Exciting New Program, Giving Homebuyers a Lift Up
 
 
SWANSEA, MA – Buying a home can bring a sense of joy, satisfaction, and accomplishment. But with rising prices in the local housing market combined with today’s uncertain economy, not everyone will have the opportunity to experience the excitement that comes with homeownership. This can be especially true when considering wealth differences in our South Coast community.

That’s why BayCoast Mortgage (baycoastmortgage.com), a leading lender in Southern New England, is proud to announce it is participating in an exciting new program that aims to increase homeownership opportunities throughout our community, with the goal of promoting a more diverse, equitable, and inclusive home-buying environment.

That new program is called Lift Up Homeownership.

Initiated by FHLBank Boston, the Lift Up program provides funding to member financial institutions, including BayCoast Mortgage, to award down payment and closing cost assistance grants of up to $50,000 to people of color including Black/African American, American Indian, Alaska Native, Asian (Native Hawaiian or Pacific Islander), Hispanic, or Latino borrowers earning up to 120% of the area median income (AMI) and are first-time homebuyers.

Lift Up was put in place to address barriers that many people of color face when purchasing a home, including limited savings for a down payment and the racial financial gap that exists in many area cities and towns.

“As part of the BayCoast family, it is our mission to provide exceptional service and financial solutions for our community,” said Nicholas L. Christ, President and CEO of BayCoast Mortgage. “Our partnership with FHLBank Boston will help expand affordable housing opportunities in the South Coast communities we serve by offering critical down payment and closing cost assistance. We’re proud to assist our neighbors as they pursue homeownership and the American Dream.”

A total of $500,000 is available through Lift Up Homeownership, which is a purchase-only program for one-to-four unit properties located in New England. Grants will be available on a first-come, first-served basis.

For further details about the program and to learn if you may qualify, please call BayCoast Mortgage at 877-466-2678 or visit our website at baycoastmortgage.com.


About BayCoast Mortgage

BayCoast Mortgage Company, LLC is a wholly owned subsidiary of BayCoast Bank, serving MA, RI, CT, NH, PA, NJ, MD, VA, SC, NC, and FL, offering a wide variety of home mortgage products, including FHA, VA, Land, Construction, Conforming and Jumbo Loans. Visit baycoastmortgage.com or call 877-466-2678.Contact Us to Learn More 
John McMahon
Senior Vice President
Community Engagement  508-675-4488 
 [email protected]
baycoastmortga

​Riverside, RI - Big news from Marshall Building & Remodeling – Tando Composites has named them Rhode Island's Premier Remodeler. This exclusive title is a nod to Marshall's amazing work and their continued dedication to excellence and craftsmanship.
 
Being named Premier Remodeler really highlights Marshall Building & Remodeling's promise to deliver the very best to local homeowners. Over their 40+ years, they've caught the eye of the industry's biggest players, and this recognition continues to cement their reputation as Rhode Island's go-to choice for Roofing, Siding, and Window installations.
 
Anne Marshall, Co-CEO of Marshall Building & Remodeling, shared her excitement: "We're thrilled to be named Rhode Island's Premier Remodeler by Tando Composites. It's a huge acknowledgement of our team's hard work and passion for doing top-notch work every day and on every project."
 
With this new title under their belt, Marshall Building & Remodeling is more fired up than ever to keep raising the bar in the exterior home improvement industry. From their excellent customer service to their installation techniques and craftsmanship, they continue to demonstrate why they are a pillar in the RI community and considered a local favorite.

​IRS announces special Saturday hours for face-to-face help; more than 50 Taxpayer Assistance Centers open across the nation
 
IR-2024-41, Feb. 14, 2024
 
WASHINGTON — As part of a continuing effort to improve service this tax season, the Internal Revenue Service today announced special Saturday hours for the next four months at specific Taxpayer Assistance Centers (TACs) across the country.
 
The special Saturday openings will take place from 9 a.m. to 4 p.m., on Feb. 24, March 16, April 13 and May 18. Offices in dozens of states, the District of Columbia and Puerto Rico will be open during this special four-month event, with no appointments required.
 
Currently, more than 50 locations plan to be open on Feb. 24, and more than 70 offices are scheduled for the March 16 event. The IRS encourages taxpayers to visit the special Saturday hours for participating TAC locations.
 
“We are laser focused on delivering the best service possible for taxpayers. These Saturday hours are designed to help those with busy weekday work schedules get the help they need at a time more convenient for them,” said IRS Commissioner Danny Werfel. “Funding from the Inflation Reduction Act has enabled us to expand our services, tools and resources for hard-working taxpayers, including these special Saturday openings.”
 
The IRS encourages everyone to first check IRS.gov for information about these special openings before traveling to an office. They may even find an online resource, such as the Interactive Tax Assistant tool, to answer their question or resolve their tax concern and avoid traveling to an office.
 
At TACs, people receive in-person help from IRS employees. Ordinarily, these centers are only open Monday through Friday, with appointments normally needed. However, during these Saturday hours, people can walk-in for all services routinely offered at an office, except for making cash payments. To make an appointment during regular hours, call 844-545-5640.
 
Professional foreign language interpretation will be available in many languages through an over-the-phone translation service. For deaf or hard of hearing individuals who need sign language interpreter services, IRS staff will schedule appointments for a later date. Alternatively, these individuals can call TTY/TDD 800-829-4059 to make an appointment.
 
Please come prepared
 
Individuals should bring the following documents when they visit these offices:

• Current government-issued photo identification.
• Social Security numbers or Individual Taxpayer Identification Numbers (ITINs) for themselves and all members of their household, including their spouse and dependents (if applicable).
• Any IRS letters or notices received and related documents.
• For identity verification services, taxpayers will need two forms of identification and, if filed, a copy of the tax return for the year in question.

 
During the visit, IRS staff may also request the following information:

• A current mailing address.
• Proof of bank account information included on a tax return to receive payments or refunds by direct deposit.

 
Many TACs extend office hours on Tuesdays and Thursdays
 
Another option for people to get face-to-face help outside of a TAC’s normal operating hours is to visit before or after regular operating hours on Tuesdays and Thursdays. Many TACs around the country have extended their office hours on these days until April 16. To see if a nearby TAC is offering the added hours, view its listing at IRS.gov/taclocator.
 
Tax return preparation options
 
While tax return preparation is not a service offered at IRS TACs, information will be shared about available local free tax preparation options. Help is also available using the following services:
 

• Eligible individuals or families can get free help preparing their tax return at Volunteer Income Tax Assistance (VITA) or Tax Counseling for the Elderly (TCE) sites. To find the closest free tax return preparation help, use the VITA Locator Tool or call 800-906-9887.
• To find an AARP Tax-Aide site, use the AARP Site Locator Tool or call 1-888-227-7669.
• Any individual or family whose adjusted gross income (AGI) was $79,000 or less in 2023 can use IRS Free File’s Guided Tax Software at no cost. There are products in English and Spanish.
• Free File Fillable Forms are electronic federal tax forms, equivalent to a paper 1040 form. You should know how to prepare your own tax return using form instructions and IRS publications, if needed. Anyone, regardless of income, can use the forms. They are a free option for those whose AGI is greater than $79,000.
• MilTax, a Department of Defense program, offers free return preparation software and electronic filing for federal tax returns and up to three state income tax returns. It’s available for all military members, and some veterans, with no income limit.
• The Direct File pilot gives eligible taxpayers a new choice to file their 2023 federal tax returns online, for free, directly with the IRS. It will be rolled out in phases and is expected to be widely available in mid-March. Find more about Direct File pilot eligibility, scope and the 12 participating states on Direct File.

 
Help available 24/7 at IRS.gov
 
The fastest and easiest way for people to get the help they need is through IRS.gov. Go to www.irs.gov for more information. Available resources include:

• Where’s My Refund?, check refund status and estimated delivery date.

• Get Transcript, view and print a tax transcript online.
• Payments, get information on a variety of payment methods, including cash.
• Direct Pay, make tax payments or estimated tax payments for free from a checking or savings account.
• Electronic Federal Tax Payment System, individuals or businesses can make all types of federal tax payments.
• Online Payment Agreement, set up installment payments to pay taxes owed.
• Where’s My Amended Return, track the status of an amended return.
• Interactive Tax Assistant and FAQs, get answers to many tax law questions.
• All IRS Forms and Publications, find and download current tax forms, instructions and publications. Those without access to the internet can call 800-829-3676 to order tax forms by mail.

 
For additional information on available services, see IRS Publication 5136, IRS Services Guide.
 
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This Week’s Cybersecurity Tip of the Week, provided by PacketLogix
IT Security Tip: Should your laptop be encrypted?
It’s just another Tuesday on your way to work and you stopped by your favorite busy coffee shop to get your caffeine fix. You set your tablet down to add the cream and, when you turn back, your laptop is gone. It’s nowhere in sight, nor is the thief who stole it.
If you have a password on your laptop, it will slow the thief down; but what it doesn’t stop is someone removing the hard drive and connecting it to another computer to get access to all your files, passwords and e-mail –that’s not hard to do.
How do you protect your files? Encrypt them! With the drive encrypted, a thief can’t just pull it out, hook it up and suddenly have access to all your files. This is ESPECIALLY important if you hold or have access to medical records, credit card information or other sensitive data on your devices.
PacketLogix is offering East Bay Chamber members a Business Security Assessment at no cost to you.
 
To schedule your Business Security Score Assessment, go to www.packetlogix.com/terrence or call 401-227-2695 or via email at [email protected] .

​The Renewable Energy Fund, more commonly known as the REF incentive is a Rhode Island solar rebate program run by the RI Commerce Corporation that offers grant money to home and business owners who install solar panels. It is a grant program that lowers the upfront cost of your solar panel system. Not all properties are eligible for the incentive so it is important to work with a qualified installer.
What is the amount from the REF grant?The incentive value is a maximum of $5,000 for homeowners and $75,000 for commercial projects. The value of the REF grant is determined by the size of your solar system.
Read more.. https://isaksensolar.com/renewable-energy-fund-ref-in-rhode-
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