More frequently known as 3-P’s (PPP), Public Private Partnerships are becoming more prevalent as a way to finance, engineer, construct, and operate infrastructure projects across the United States. They have been used in other countries for some time now. For example the EU has had over 260 Billion Euro’s worth of 3P projects since 1990. […]
Items to consider when creating a retirement plan: Longevity With average life expectancy now in the 80s it is likely that you could experience a retirement period that lasts 20-30 years. Your plan must be flexible enough to account for a long retirement. Expenses and Inflation Inflation is always a powerful enemy in any retirement […]
Commercial property owners need to be concerned about potential liability issues involving ice and snow. While the level of landlord and property owner responsibility varies by state, a consistent duty of responsibility exists to ensure that sidewalks, driveways and parking lots are maintained. Some states, such as Massachusetts, have increased the level of landlord responsibility […]
With severe winter weather in the forecast, it’s important to take some time now to be sure you’re prepared. Here’s a list of items to have on hand before the storm begins. Check your food and water supplies Water-at least a three-day supply; one gallon per person, per day Food-at least a three-day supply of […]
On Dec. 18, 2015, President Barack Obama signed a $1.1 trillion year-end spending agreement into law that prevented a government shutdown and funds the federal government through the 2016 fiscal year. Among its many provisions, the new legislation affects three major Affordable Care Act (ACA) taxes. The first, and perhaps the most controversial, is the […]
Presented by Al Corvigno J&J Snack Foods Two federal investigations have found that temporary production line workers at J&J Snack foods Corp., were cheated out of their wages by the company and two staffing firms. The DOL found that J&J Snack Foods in N.J. did not properly pay their employees the minimum hourly wages and […]
Turn up the heat! Set the thermostat to the same temperature day and night. If you live in an old house built over an uninsulated crawl space turning up your thermostat will increase the air temperature in the crawlspace by projecting heat energy through the floor into the space. Plan on insulating and air sealing […]
Crime Insurance refers to theft of money and/or securities from a business. There are a variety of Crime Insurance categories including: Employee Dishonesty: Covers theft of money, securities and other property by an employee. These types of losses are commonly carried out through theft of small amounts over time. Forgery or Alteration: Pays losses incurred […]
A U.S. traveler in Canada is required to carry a motor vehicle liability card, plus vehicle ownership papers. A copy of the automobile policy is recommended to be carried. You should also carry a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card which is strongly recommended. The Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card is proof […]
It’s been a great summer of boating and now it is time to begin preparing your boat for winter. If your boat is hauled out for winter storage, here are some suggestions that will help you ensure that your vessel will be ready for safe and reliable cruising next year. Before Haulout Anchors and Canvas […]