Insuring Man’s Best Friend

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According to Pets Best Insurance Services LLC, the top 10 states for dog and cat insurance based on their data are as follows:

Top Dog Insurance States:

  1. California
  2. Texas
  3. New York
  4. Florida
  5. New Jersey
  6. Colorado
  7. Nevada
  8. Pennsylvania
  9. Arizona
  10. Virginia

Top Cat Insurance States:

  1. California
  2. New York
  3. Florida
  4. New Jersey
  5. Texas
  6. Virginia
  7. Pennsylvania
  8. Washington
  9. Colorado
  10. Illinois

 

 

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Shout out to a “champion of the small business community”

Bucci Insurance Group would like to give a shout out to Denise M. DiDonato, who was called a champion for the small business community by the Rhode Island Small Business Journal. She was a 2014 SBA (Small Business Award) winner.

DiDonato has served Rhode Island borrowers and the banking community for the past 30 years. She has held positions at a number of financial institutions and spent several years as Vice President of Small Business Lending at Bank Rhode Island. Now she is Vice President and Credit Manager of Small Business Lending at Freedom National Bank. She created and implemented a successful new small business lending platform which greatly boosted Freedom National’s standing in RI. She is a master of the loan application process and is praised for her professionalism, determination, competence, and financing skills.

The small business community thanks her!

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Today In History

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July 21st

  1. 1645 – Qing Dynasty regent Dorgon issues an edict ordering all Han Chinese men to shave their forehead and braid the rest of their hair into a queue identical to those of the Manchus.
  2. 1865 – In the market square of Springfield, Missouri, Wild Bill Hickok shoots and kills Davis Tutt in what is regarded as the first western showdown.
  3. 1902 – Willis Carrier creates the first air conditioner in Buffalo, New York
  4. 1925 – Scopes Trial: In Dayton, Tennessee, high school biology teacher John T. Scopes is found guilty of teaching evolution in class and fined $100.
  5. 1959 – Elijah Jerry “Pumpsie” Green becomes the first African-American to play for the Boston Red Sox, the last team to integrate. He came in as a pinch runner for Vic Wertz and stayed in as shortstop in a 2–1 loss to the Chicago White Sox
  6. 1961 – Mercury program: Mercury-Redstone 4 Mission – Gus Grissom piloting Liberty Bell 7 becomes the second American to go into space(in a suborbital mission).
  7. 1983 – The world’s lowest temperature in an inhabited location is recorded at Vostok Station, Antarctica at −89.2 °C (−128.6 °F).
  8. 2007 – Harry Potter and the Deathly Hallows, the fastest-selling novel ever, is published. It sold 15 million copies in the first 24 hours of its release.
  9. 2011 – NASA’s Space Shuttle program ends with the landing of Space Shuttle Atlantis on mission STS-135.
  10. 2012 – Erden Eruç completes the first solo human-powered circumnavigation of the world
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This Weekend: Event Highlights in Rhode Island

Friday 7/18

Friday Night Concert Series: Max Frost with the Rice Cakes

Location: Waterplace Park, Providence

Cost: Free

Description: The city of Providence has teamed up with 95.5 WBRU to bring local and national alt rock style bands to Waterplace Park! The concert series is every Friday night until August 1st.

Opera Providence Presents La Traviata

Location: Columbus Theatre 270 Broadway Providence RI

Cost:$35 or $60

Description: Opera Providence will present La Traviata at The Columbus Theatre. This presentation is fully staged with costumes and full orchestra and chorus. From July 18 – July 20, 2014 Times:Friday, July 18 at 8 p.m. and Sunday, July 20 at 3 p.m. La Traviata is directed by Nathaniel Merchant. Call 401-331-6060 for more information or visit www.operaprovidence.org

Saturday 7/19

Killswitch Engage with Unearth, After the Burial, and Code Orange Kids Live

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Location: Lupos Heartbreakk Hotel 79 Washington St. Providence RI

Cost: Tickets cost $25 in advance or $28 at the door

Description: Doors open at 5pm and the show begins at 6pm. Buy tickets at lupos.com

 

 

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Top Ten Compliances Challanges Facing Small Businesses

There are many legislated rules and regulations imposed on businesses. Small businesses are often challenged the most complying with these laws. Here are the top ten laws that small businesses owners need to pay close attention to in order to ensure compliance.  

1. Title VII of Civil Rights Act. This law protects the public against discrimination during all phases of employment based on race, color, religion, gender, national origin, and genetic information. Small businesses may face unique compliance challenges because of their size and limited resources to host something like an anti-bullying forum.

2. Americans with Disabilities Act. This law does not allow employers to discriminate against qualified people with disabilities that impair or limit them from major life activities, mental or physical. It can be difficult for small companies to adhere to the same practices as larger companies. This law is something that businesses owners must pay close attention complying with.

3. Family Medical Leave Act. If your business has more than 50 full time employees, they must be allowed at least 12 weeks of leave each year for birth, adoption, foster care, or other health problems. When they return they must be fully reinstated to their original position. This varies slightly in each state.

4. Age Discrimination in Employment Act. Employees older than 40 can not be discriminated against based on their age. Smaller Companies may not take a person’s age or proximity to retirement into consideration while making business decisions.

5. Fair Labor Standards Act. The federal minimum wage, overtime requirements, and work hours for minors are all set under this law. Meticulous recordkeeping for each employee is essential.

6. Equal Pay Act. This law prohibits discrimination based on gender. The act does not prohibit pay differences based on merit or quality since it states “equal pay for EQUAL WORK”.

7. The Uniformed Services Employment and Reemployment Rights Act of 1994. Employees who volunteer or are called to military duty must be reemployed when they return to their previous or equal job.

8. Occupational Safety and Health Administration. Employers must provide a workplace free from physical dangers. Big and small businesses alike must provide safety training, inform employees about hazardous chemicals, and notify the government about serious workplace incidents. Detailed records must be kept and held for five years. A violation can result in a small fine to incarceration.

9. Pregnancy Discrimination Act. Employers can’t deny a pregnant woman a job or a promotion, get fired, or force her to go on leave because she is pregnant.

10. Immigration Reform and Control Act. To comply with this act 19 forms are required for each employee and careful adherence is required to avoid both civil and criminal charges. Files for terminated workers must be held onto for a certain amount of time.

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Casualty Losses: The Basics

A casualty loss is a sudden, unexpected, or unusual loss or damage to your property. The rules differ for personal and business property. Some casualties qualify as tax-deductible but not all.

Examples of events that may cause a casualty loss include hurricanes, tornadoes, earthquakes, floods, volcanic eruptions, cave-ins, fires, car or airplane accidents, vandalism, burglaries, embezzlement, or riots. These are often deductible. Age, wind, and weather deterioration, wood rot, drought, or insect infestations are examples of casualties that aren’t usually deductible.

For more information about casualty losses check out the link below. This article includes how to measure the amount of damage done, how to prove your loss, tips, facts about the reimbursement process, examples and more.

http://www.bizfilings.com/toolkit/sbg/tax-info/fed-taxes/casualty-loss-rules-differ-for-personal-business.aspx

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Today In History

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July 16th

Here are ten notable events that occurred on July 16th from throughout history:

1.  1661 – The first banknotes in Europe are issued by the Swedish bank Stockholms Banco.

2.  1790 – The District of Columbia is established as the capital of the United States after signature of the Residence Act.

3.  1861 – American Civil War: At the order of President Abraham Lincoln, Union troops begin a 25 mile march into Virginia for what will become the First Battle of Bull Run, the first major land battle of the war.

4.  1935 – The world’s first parking meter is installed in Oklahoma City, Oklahoma.

5.  1941 – Joe DiMaggio hits safely for the 56th consecutive game, a streak that still stands as a MLB record.

6.  1945 – Manhattan Project: The Atomic Age begins when the United States successfully detonates a plutonium-based test nuclear weapon near Alamogordo, New Mexico.

7.  1951 – The Catcher in the Rye by J. D. Salinger is published for the first time by Little, Brown and Company.

8.  1969 – Apollo program: Apollo 11, the first mission to land astronauts on the Moon, is launched from the Kennedy Space Center at Cape Kennedy, Florida.

9.  1973 – Watergate scandal: Former White House aide Alexander Butterfield informs the United States Senate that President Richard Nixon had secretly recorded potentially incriminating conversations.

10.  2004 – Millennium Park, considered Chicago, Illinois’s first and most ambitious early 21st-century architectural project, is opened to the public by Mayor Richard M. Daley.

 

 

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Rhode Island Community Food Bank

food_bank_logoThe RI Community Food Bank provides for people in need of food assistance in RI. Children, seniors, and the working poor are greatly affected by food insecurity, meaning limited access to adequate food for health. Hunger affects every single community and 15.5% of households are food insecure in the state.

RI Food Bank distributed 9.75 million pounds of food in 2012. That’s 17.9 million meals served. 66,000 people are served at food pantries every month. This makes a huge positive impact on our local communities in Rhode Island. The Food Bank is funded by gifts from individuals, corporate donations, and foundation grants. Government funding accounts for just 6% of their operating budget! Over a quarter of food comes from donations by local food companies, supermarkets and farms.

Mission: “The Rhode Island Community Food Bank provides food to people in need and promotes long-term solutions to the problem of hunger”.

The Food Bank is located on 200 Niantic Ave, Providence RI 02907.

If you are interested in making a difference in your community by making a donation or volunteering give them a call or check out their website.

Phone: 401-942-6325

Website: www.rifoodbank.org

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Cyber Liability Insurance for Businesses

Cyber risks can be a real threat to your business. Identity theft, business interruption from hackers, damage to the firms reputation, damage to data records, theft of valuable digital assets such as business trade secrets and customer lists, and computer viruses are only some of the risks associated with using the internet.

These policies are evolving since the market is relatively new and constantly updating. The policies are customized to meet the risk needs of your individual business. This allows the insurer to tailor a policy based on the unique nature of your business.

Bucci Insurance Group now offers Cyber Liability Insurance. Check out the link below on our website to learn more.

http://www.bucciinsurance.com/coverage/cyber-liability/

 

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How Author Franz Kafka’s Insurance career Led to his Invention of Workers’ Compensation

Franz Kafka was born in 1883 in Prague, under the Austro-Hungarian Empire. His background in law and insurance influenced his notable fiction titles such as The Metamorphosis, The Trial, and The Castle. These works were written while Kafka was an employee of Workmen’s Accident Insurance Institute for the Kingdom of Bohemia in Prague. It was a social insurance agency established by the Austro-Hungarian Empire. He held various positions at the institute from litigation attorney, to the head of the actuarial department, speech writer, and vice legal secretary among other positions in various departments. He was a key contributor to a basic model for the social insurance programs throughout the world.

He understood the aspects of risks and accidents better than anyone because of his extensive background in law and insurance. He used this knowledge to expand and spread a universal approach to workers’ compensation. He thought it would be more efficient for the institute to inspect factories rather than to rely on useless reports written by ignorant officials. He promoted standardization of interpretation rules and regulations. His success was driven by his leadership skills and desire for change and action. He pleaded for legal reforms and was agle to change the law to benefit workers everywhere. “Some of the aspects of what we nowadays call ‘risk management’  or risk mitigation’ are presented in Kafka’s Accident Prevention in Quarries (1914)” (Eslami 88).

Source: Eslami, Fred. “The Czech Connection.” Editorial. Best’s Review May 2014: 86-88. Print.

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