For those who are interested in getting down in the weeds and better underatnd 
municipal finance….
------
Sara Mattes




> Begin forwarded message:
> 
> From: DLS Alerts <[email protected]>
> Subject: City & Town - October 19th, 2023
> Date: October 19, 2023 at 5:14:54 PM EDT
> To: <[email protected]>
> Reply-To: DLS Alerts <[email protected]>
> 
> 
> EQV: Leveling the Playing Field
> James J. Paquette – Bureau of Local Assessment Program Coordinator
>  
> Municipal finance in Massachusetts has a nomenclature all its own. From 
> cherry sheets 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=f907a7d598&e=c5b27bfb26>
>  to free cash 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=0e8ce89be5&e=c5b27bfb26>,
>  it’s important to define and explain these unique terms 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=0d67d2f22d&e=c5b27bfb26>
>  in order to understand their importance to both your community and the 
> broader financial landscape.
> 
> The following is the first of a two-part series on equalized valuations 
> (EQV). We’ll begin with some brief historical background, explain the basic 
> components of the EQV process, and display multi-year trends across the 
> Commonwealth. We hope you find this information helpful and interesting.
> 
> Equalized valuation (EQV) 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=9ee89c5614&e=c5b27bfb26>
>  is the fair cash value of all property in a city or town subject to local 
> taxation (not including exempt properties) as of January first as determined 
> by the Commissioner of Revenue (Commissioner) under G.L. c. 58, §§ 9 -10C. 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=5f29fbe6ce&e=c5b27bfb26>
>  Since 1966, Massachusetts General Law has required that equalized valuations 
> be produced every two years as part of the allocation of aid distributed to 
> cities and towns. Additionally, the change in the total value (from one EQV 
> to the next EQV) is used in the valuation of reimbursable state-owned land 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=42ea15082f&e=c5b27bfb26>.
> 
> The need to equalize the values for each community stems from the parameters 
> used in setting the real estate and personal property values in each 
> community. Assessors submit a sales report (the LA-3) for approval each year 
> to the DLS Bureau of Local Assessment. The report lists real estate that has 
> been sold in the community prior to the required date for setting the values 
> for the forthcoming fiscal year.
> 
> The sales are compared to the new assessments for the upcoming fiscal year. 
> This comparison is called the “Assessment – Sales Ratio” and that ratio must 
> determine that the proposed assessments are within a 10%, average of actual 
> sales price. (The technical requirement is for the median of the sales to be 
> between .90 to 1.10). The requirement of the 10% is in place to ensure that 
> the new values properly reflect what is happening in the market, but this 
> process results in communities coming in with different ratios – and because 
> of those differences, additional steps are necessary to equalize the data.
> 
> EQV Process Components
> 
> 
> 
> Leveling the playing field is accomplished using the ratio (level of 
> assessment) for each for each class in each community. This ratio shows at 
> what level that class is being assessed – on average. The existing values for 
> each class are divided by the ratio to bring the total value to 100%. As a 
> general example, if a community had a current residential total value of 
> $10,000,000 and an assessment level (ratio) of .95 then their value at 100% 
> would be $10,526,316 (Rounded). [10,000,000 divided by .95]
> 
> The completed EQV for each community is broken down into its component parts 
> as evidenced below.
> 
> 
> 
> Each component of the real and personal property includes the original 
> assessed value, the assessment ratio, and the estimated full value. Estimated 
> growth is then added and produces the proposed Equalized Valuation. The 121A 
> Value (for property subject to the excise imposed under G.L. c. 121A, § 10 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=698bc74659&e=c5b27bfb26>
>  is added during the final equalized valuation phase (where applicable).
> 
> It should be noted that the process of equalizing values can be complicated 
> by many factors. For example, personal property and certain other specialty 
> properties, such as power plants and land valued under Chapter 61, 61A, and 
> 61B, are considered to be at 100 percent of market value. Those instances and 
> many others are all taken into consideration when producing the final value.
> 
> The EQV process is broken into five steps:
> 
> 1.) The Proposed EQV is released every two years, on or before June 1st, for 
> each city and town as of January 1st in that year.
> 
> 2.) A public hearing for the Revised EQV is held the following June 10th 
> where, based on information received at the hearing or brought to the 
> attention of the Bureau of Local Assessment, the EQV may be revised. 
> Decisions on these requests are sent to the respective communities by July 
> 20th.
> 
> 3.) Any community that is unsatisfied by the resulting decision related the 
> Revised EQV can appeal on or before the following August 10th to the 
> Appellate Tax Board (ATB) 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=d565e0bb19&e=c5b27bfb26>.
>  The ATB must decide the appeal by the Jan 20th of the following year. A 
> failure of the ATB to act upon an appeal within that time is deemed a denial 
> of the appeal. The decision of the ATB is final.
> 
> 4.) The Final EQVs are posted on or before January 31st. This entails 
> revising the EQVs modified by the ATB on appeal and adding the 121A values 
> where applicable.
> 
> Final Equalized Valuations are available for each community via the Gateway 
> landing page here 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=933717a1ec&e=c5b27bfb26>.
>  We’ll continue to explore equalization valuations and related data trends 
> again soon in City & Town. In the interim, if you have any questions 
> regarding your community’s EQV or would like to suggest a topic for future 
> articles, please email us at [email protected]. 
> <mailto:[email protected]>
> Highly Recommended: Measuring Override Capacity as a Percentage of the Levy 
> Ceiling
>  
> In a previous article, we introduced the Levy Limit Financial Indicator tool 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=1934a48c39&e=c5b27bfb26>
>  and how it can serve as a gauge of a community’s fiscal wellbeing. Today, we 
> will delve more specifically into one aspect of that tool, the override 
> capacity as a percentage of the levy ceiling metric. Override Capacity is 
> defined as the difference between the community’s levy ceiling (the amount 
> equal to 2.5% of the community’s total property values and the maximum 
> allowable levy, outside of any debt exclusions) and its levy limit (the 
> maximum property tax levy for that year). It is the maximum amount by which a 
> community may override its levy limit.
>  
> The graphs below illustrate how Community A has ample override capacity while 
> Community B does not. Community A therefore has the ability to raise 
> additional revenue through a Proposition 2 ½ override. Alternatively, 
> Community B’s levy ceiling declined over a period of years because of 
> declining real estate values, thereby reducing its override capacity and its 
> ability to even propose an override. Note how the graph for Community B 
> depicts its override capacity as percentage of the levy ceiling falling to 0% 
> in year 6. Trending override capacity as a percentage of levy ceiling over 
> time can be a useful indicator that offers policymakers a complete view of 
> their community’s levy limit and how they might need to address current or 
> future revenue constraints.
> 
> 
> 
> 
> 
> It is also important to note the importance of the relationship between 
> override capacity and excess capacity, which is defined as the difference 
> between what a community can levy (maximum allowable levy) and what it does 
> levy. A community can reach its levy ceiling (i.e., have no override 
> capacity) but still would be able to increase its property tax levy because 
> it has excess capacity. This is why it is important to view these two metrics 
> together.
> 
> Statewide
> 
> In FY2023 over 300 communities had an override capacity of greater than 25%. 
> Only 42 communities fell below 25% and of those only seven were less than 
> 10%. However, since override capacity is ultimately a function of a 
> community’s assessed property values, wider trends in the real estate market 
> and local economy should be closely monitored. For example, looking back to 
> fiscal 2007, the period before the great recession and housing crisis, 
> provides a good point of comparison relative to today’s values.
> 
> 
> 
> 
> As the maps illustrate, there is a growing number of communities whose 
> override capacity as a percentage of levy ceiling has declined since fiscal 
> year 2007. In FY2007, 346 communities had greater than 25% capacity, while 
> only five fell below 25%. The table below depicts the number and percentage 
> change in override capacity for communities between 2007 to today.
> 
> 
> 
> 
> 
> Cities and towns should include this metric in their tracking of their 
> financial indicators and fiscal health. You can view your community’s 
> override capacity and levy information on the DLS Dashboard 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=f71b7aa9f6&e=c5b27bfb26>.
>  In addition, you can view the relationship between override capacity and 
> excess capacity on the DLS Municipal Financial Self-Assessment 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=4a4365ef75&e=c5b27bfb26>.
>  Click here 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=23add96f72&e=c5b27bfb26>
>  for trainings and resources on Proposition 2 ½ and levy calculations.
> 
> The DLS Financial Management Resource Bureau (FMRB) 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=d16953490c&e=c5b27bfb26>
>  provides tailored consultative services to municipalities across the state. 
> Articles in this series highlight a particular financial management best 
> practice that we frequently recommend.
> 
> Training Highlight: New Informational Resource Page for City/Town Clerks!
> Municipal Finance Training and Resource Center
> 
> The Division of Local Services is pleased to announce the availability of 
> materials on the Municipal Finance Training & Resource Center under resources 
> by position 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=e6b93f87a3&e=c5b27bfb26>
>  to assist city or town clerks. A city or town clerk is an integral member of 
> the municipal management team and a central information point for residents. 
> While the job responsibilities may vary from community to community in 
> Massachusetts, the clerk is a bonded official who is the municipality’s 
> record keeper and often the chief election officer. The new page is one stop 
> shopping for the following topics important to clerks:
> 
> Overview of responsibilities
> Adopting local option excise
> Local elections and town meeting
> Local Officials Directory
> Municipal debt and borrowing
> Proposition 2 ½ votes
> Record legislative action
> Tax rate setting process
> Be sure to bookmark the Municipal Finance Training and Resource Center 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=c3f67bcb61&e=c5b27bfb26>
>  page and subscribe to our YouTube channel 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=422a120671&e=c5b27bfb26>
>  to stay updated on new items added. Is there something you would like to see 
> added? Please email [email protected] 
> <mailto:[email protected]>. We would love to hear from you!
> 
> October 19th, 2023
>  
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=8abf2787f0&e=c5b27bfb26>
> In this edition:
> EQV: Leveling the Playing Field
>  
> Highly Recommended: Measuring Override Capacity as a Percentage of the Levy 
> Ceiling
>  
> Training Highlight: New Informational Resource Page for City/Town Clerks!
> By the Numbers
> 
> City & Town provides updates on the progress of the tax rate and 
> certification process. This information is available 24/7 by clicking here 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=00d4054b14&e=c5b27bfb26>.
> 
> Preliminary Certifications Approved: 33
> 
> Final Certification: 15 (of 67 total)
> 
> LA4 (Assessed Values): 96 approved (127 submitted)
> 
> LA13 (New Growth): 96 approved (117 submitted)
> 
> Tax Rates: 25 approved
> 
> Balance Sheets: 147 approved
> 
> Total Aggregate Free Cash Approved: $987,136,995
>  
> Important Dates & Information
> 
> 
> DLS Fall Update
> 
> Fall is one of the busiest times of the year in municipal finance. To assist 
> local officials with certain reporting requirements, municipal 
> responsibilities, billing processes and regulatory functions, DLS has 
> compiled the following resources, tools and guidance for this time of year. 
> Bookmark our Fall resources here 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=8acf0c5ae1&e=c5b27bfb26>.
> 
> 
> Massachusetts Federal Funds Partnership Meeting
> 
> The Federal Funds and Infrastructure Office (FFIO) is thrilled to announce 
> the launch of the Massachusetts Federal Funds Partnership—an exciting monthly 
> initiative aimed at empowering municipalities and tribes across the 
> Commonwealth to access and leverage federal funding opportunities effectively.
> 
> Please join FFIO at the inaugural meeting with special guest Lieutenant 
> Governor Kim Driscoll.
>  
> Massachusetts Federal Funds Partnership Meeting
> Date: October 25th, 2023 – recurring monthly
> Time: 11:30am – 12:30pm
> Platform: Zoom (Meeting link provided upon registration)
> Register Here 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=6021e6035d&e=c5b27bfb26>
>  
> At this inaugural meeting, municipal and tribal leaders from across the state 
> will come together to:
> Explore federal funding opportunities available for municipalities and tribes.
> Foster collaboration with state agencies to maximize your funding potential.
> Gauge barriers that entities often face when applying for federal funds.
> Chart a path forward to enhance funding resources and support for 
> Massachusetts municipalities and tribes.
> FFIO looks forward to your participation in the Massachusetts Federal Funds 
> Partnership meetings and to working together to build stronger, more 
> resilient communities across the Commonwealth. Thank you for your commitment 
> to our communities' success.
> 
> 
> Reducing Flood Risk through Local Actions: Upcoming Regional Engagement 
> Sessions
> 
> The Executive Office of Economic Development (EOED) is hosting a series of 
> online engagement sessions to inform development of a Local Floodplain Action 
> Guide, a guide to assist cities and towns in taking impactful zoning, 
> administrative, and other local actions to reduce flood risk and promote 
> flood-resilient construction. Municipal staff, elected officials, regional 
> planning agencies, community-based organizations, and stakeholders are 
> invited to join. Sessions will be conducted in an online format, with date, 
> time, topic, and joining details published at 
> https://www.mass.gov/building-code-study-and-local-floodplain-action-guide 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=7c981bf37d&e=c5b27bfb26>.
>  Upcoming sessions currently include:
> 
> Reducing Flood Risk in Central and Western Mass: Wednesday, 10/25/23, 12-1pm
> 
> Reducing Flood Risk in Greater Boston Inland: Thursday, 11/02/23, 12-1pm
> 
> 
> BULLETIN-2023-6: Massachusetts Statewide Opioid Settlement Funds
> 
> The Division of Local Services (DLS) Bureau of Accounts has issued Bulletin 
> 2023-6. Bulletin 2023-6 is a reminder to city and town accounting officials 
> of the requirements for the accounting treatment of statewide opioid funds as 
> well as the reporting requirements to document their use in accordance with 
> the State Subdivision Agreement.
> 
> BUL-2023-6 – Massachusetts Statewide Opioid Settlement Funds 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=26a0e81ede&e=c5b27bfb26>
> 
> To access IGRs, LFOs and Bulletins, please visit this webpage 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=a81b1cb528&e=c5b27bfb26>.
> 
> 
> BULLETIN-2023-5: Tax Title Foreclosure Surplus Proceeds
> 
> The Division of Local Services (DLS) Municipal Finance Law Bureau (MFLB) has 
> a new Bulletin. Bulletin 2023-5 discuss a recently decided United States 
> Supreme Court case, Tyler v. Hennepin County, 598 U.S. 631 (2023). As a 
> result of that decision, there is uncertainty as to whether or not tax title 
> foreclosure surplus proceeds will need to be returned to property owners. The 
> Bulletin notes that DLS will not object to a community temporarily holding 
> any such surplus proceeds in an agency account until there is a directive 
> from the courts on this matter.
>  
> BUL-2023-5 – TAX TITLE FORECLOSURE SURPLUS PROCEEDS 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=41541fa442&e=c5b27bfb26>
> 
> To access IGRs, LFOs and Bulletins, please visit this webpage 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=1ab1665cc2&e=c5b27bfb26>.
> 
> 
> MassDEP: New Large Entity Reporting Requirement
> 
> The Massachusetts Department of Environmental Protection (MassDEP) adopted a 
> new regulation 310 CMR 7.41: Large Entity Reporting Requirement that became 
> effective on September 1, 2023, which requires large entities (fleet owners, 
> businesses, government agencies, municipalities, brokers, etc.) to submit a 
> one-time report on medium- and heavy-duty (MHD) vehicles greater than 8,500 
> lbs. operated or dispatched in Massachusetts. Specific information that must 
> be reported includes vehicle type and usage characteristics.
> 
> This report will help MassDEP assess the best way to develop electric vehicle 
> charging infrastructure and programs to support and accelerate the MHD zero 
> emission vehicle market in Massachusetts.
> 
> Entities must submit the report to MassDEP by 5:00 PM on Friday, March 1, 
> 2024. To determine whether an entity is required to report, follow the 
> instructions provided in the link below:
> 
> https://www.mass.gov/how-to/large-entity-reporting-requirement 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=a305d25baf&e=c5b27bfb26>
> 
> 
> "Adopting Local Option Excise Taxes" Training Video Now Available
> 
> The Division of Local Services is pleased to announce the availability of a 
> new training video 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=ef9c9ced5a&e=c5b27bfb26>
>  explaining the process for adopting a local option excise on room occupancy, 
> meals and adult use recreational marijuana, or a community impact fee on 
> short-term rentals in your community. The training also covers the Division 
> of Local Services’ role in local option excises, discusses the timetable 
> involved with adopting any of these options, and provides examples of warrant 
> language to assist you in preparing for a vote on a local option excise tax.
>  
> The training video 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=9bd55d7957&e=c5b27bfb26>
>  is now available on the DLS YouTube channel, along with the presentation 
> slides 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=20933eaa77&e=c5b27bfb26>.
>   Additional local options related training resources 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=e5790bdc54&e=c5b27bfb26>
>  and local options data and reporting 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=b31e638544&e=c5b27bfb26>
>  information is also available on the DLS website.  If you have any questions 
> relative to adopting local option excise taxes please contact 
> [email protected] <mailto:[email protected]>.
>  
> Be sure to bookmark the Municipal Finance Training & Resource Center 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=9caf94ecbb&e=c5b27bfb26>page
>  and subscribe to our YouTube channel 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=870671c01c&e=c5b27bfb26>
>  to stay updated on new items added.
> 
> 
> OIG Offers No Cost Procurement Training for Municipalities
> 
> The Office of the Inspector General introduced a pilot program, “One Free 
> Designee,” that offers core public procurement training to one public 
> employee per municipality at no cost.  Effective in FY 24 (July 1, 2023 – 
> June 30, 2024), the OIG is offering free tuition for the three courses 
> required for one employee to receive MCPPO designation to any municipality in 
> the Commonwealth for whom the cost is a barrier. The $100 fee associated with 
> all designation applications and renewals has been eliminated. 
>  
> To receive the free training for an employee, the chief municipal officer 
> (Mayor, Manager/Administrator or Select Board Chair) must submit a form 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=4fed3c7509&e=c5b27bfb26>
>  indicating the employee they wish to receive the training and an 
> acknowledgement that obtaining the cost of training could be a factor in 
> obtaining the designation.  The class schedule and enrollment form will be 
> issued later this summer.
>  
> If you want to learn more about the MCPPO designation, please visit our 
> website 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=d3369db25f&e=c5b27bfb26>.
>   If you have any questions, please email the OIG at [email protected] 
> <mailto:[email protected]>.
>  
> One Free Designee Application Form | Mass.gov 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=4284f4bf35&e=c5b27bfb26>
> 
> 
> Latest Issue of Buy the WayNow Available
> 
> Don’t miss Issue #22 of Buy the Way 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=01ee9b0308&e=c5b27bfb26>,
>  the official magazine of the Operational Services Division (OSD).
> 
> Click here 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=6914aca35b&e=c5b27bfb26>
>  to get news and updates from OSD delivered to your inbox.
> 
> 
> Recent Flooding Events – Emergency Expenditure Process for Municipalities
> 
> In light of the recent flooding events in the Commonwealth, the Division of 
> Local Services (DLS) would like to direct municipal managers to the DLS 
> resources regarding emergency declarations and emergency spending procedures 
> under MGL 44 § 31.
> 
> Emergency Expenditures, Chapter 44, Section 31 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=e0321060d5&e=c5b27bfb26>
> 
> DLS is ready to assist you in any way we can. If you have further questions 
> please contact your Bureau of Accounts Field Representative 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=d19172d462&e=c5b27bfb26>.
> DLS Links:
> 
> COVID-19 Resources and Guidance for Municipal Officials 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=1ee4d3bf7b&e=c5b27bfb26>
> 
> Events & Training Calendar 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=e96382bc48&e=c5b27bfb26>
> 
> Municipal Finance Training and Resource Center 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=a3ff98cd40&e=c5b27bfb26>
> 
> Local Officials Directory 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=e75e0bcbd4&e=c5b27bfb26>
> 
> Municipal Databank 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=307d89d581&e=c5b27bfb26>
> 
> Informational Guideline Releases (IGRs) 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=930c22e376&e=c5b27bfb26>
> 
> Bulletins 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=b23d4d0c74&e=c5b27bfb26>
> 
> Tools and Financial Calculators 
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=7671a50420&e=c5b27bfb26>
>  
> <https://mass.us11.list-manage.com/track/click?u=0e9e2209abd5f7062568d9a19&id=fa89819c3d&e=c5b27bfb26>
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