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... paying bills, and managing your accounts. But data breaches, in all their for...ou receive regarding your financial accounts. If you are not sure of the email...

...itted using the victim's current accounts. On a regular basis, review your cre...s are often used to open fraudulent accounts or to access financial informatio...

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs. Your client has specific needs when it comes to their Property and Casualty needs, and we can deliver!

You've went all year waiting to file your taxes, but now that it's time, you can't remember where you stashed all those receipts you need to provide proof for your fuel expenses.  If this sounds like you, there's no need to fret.  Simply keep these last minute income tax filing tips in mind and you'll not only lessen your stress, but you can also save money on your taxes. Gather the documents you need If you're self-employed, you'll need 1099s from your clients.  However, even if you don't get one, you can still report the income.  Simply tell your tax accountant how much your total income was and he can figure your taxes for you.  If you're not self-employed, make sure to bring all of your W2s with you to your tax appointment.  Other important documents to bring include: Out of pocket medical expenses paid Job-related expenses Failure to pay documentation (where clients failed to pay you for the services you provided) Savings and retirement account information Don't forget student loan expenses Did you pay interest on a student loan? If so, you need to let your tax accountant know how much interest was paid.  This amount in itself can bring forth huge tax savings. E-file Want your tax refund fast?  If so, take comfort in knowing that 90 percent of tax filers are going to receive their refunds within 21 days after filing as long as they e-file.  This means if you want your tax refund fast, you need to e-file, too.  All this requires is that you allow the government to deposit your refund into your checking or savings account automatically.  Its as simple as that.

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs.

For your workers to enjoy the full financial benefits from their 401(k) plans, experts recommend that employee education sessions make sure that participants: Contribute enough to receive the maximum match. One expert estimates that at least one in three employees don’t make the maximum contribution, which means they’re leaving free money on the table. Avoid account trading. Because it’s all too easy for plan participants to panic at market bottoms and be over-confident at tops, advise them not to open their account statements during these periods. Diversify. Concentrating account balances in one or a few funds that employees feel will perform well or are safe means making a risky bet on only one economic scenario. Keep their money in the plan. Employees who take out loans on their funds, make withdrawals or cash out a 401(k) when they change jobs will have to pay taxes and penalties that reduce plan payout by almost 50%, which will make it impossible to save enough for retirement. Keep saving. Workers stop saving for a number of reasons. The equity market falls, their spouse loses a job, they want to save outside the plan for a home, car, boat, marriage, etc. It’s far better to lower their contribution if necessary, without going to 0%. Remember, employees need to average 15% in savings over an entire career to retire at their current standard of living. Focus on the bottom line. The most important factor in a 401(k) is not the allocation of assets, market timing, or investment performance, although these are important. It’s how much the employee saves! Make sure that you follow these guidelines in retirement planning education for your employees. They’ll be grateful for your encouragement and support.

Although the incidents of workplace injuries have continued to drop for most of the past 11 years, the Bureau of Labor Statistics reported than over three million people were injured on the job in 2013. These figures encompassed people employed by private employers. According to figures obtained in 2012, five of the most common reasons for workplace injuries accounted for more than 65 percent of the costs. With 25 percent of the 59.58 billion dollars that was spent on workplace injuries in 2012, overexertion was the number one cause. These types of injuries were most often the result of holding, carrying, throwing, pushing, lifting and pulling. Falls accounted for 9.19 billion dollars -- or more than 15 percent -- of the costs of workplace injuries. This category includes only those falls that occurred on one level as opposed to falls from a different height. Being struck by equipment of some sort or an object accounted for 8.9 percent of the cost burden worth more than $5 billion in costs. The fourth most prevalent cause of workplace injuries was due to falls from a height. With this category encompassing 8.2 percent of the cases reported, the monetary cost was $5.12 billion. Overexertion injuries that were not in the first category round out the top five most common causes of workplace injuries. Some examples of the injuries that could fall under this classification include those caused by stepping, crawling, bending, kneeling, twisting, reaching, walking, reaching, standing or sitting. They accounted for 7.2 percent of the total injuries with a cost of $4.27 billion. Another 18.4 percent of the costs associated with workplace injuries fell into five other categories. These include injuries caused by road vehicles, slips and trips without falling, being compressed between or by equipment or objects and repetitive movements.

...redit scores get destroyed, bank accounts and investments get heisted, and peo...

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs. Your client has specific needs when it comes to their Property and Casualty needs, and we can deliver!