Search CompleteMarkets

...e retail sector, which includes restaurants and fast food establishments. To ...ese workplaces and offers safety and health suggestions, safety posters, and e...

In case you're still wondering how Obamacare is going to affect you, you now have another answer. You might start seeing Obamacare surcharges on your restaurant checks. The Executive Editor of CNN Money, Chris Peacock, tweeted a snapshot of one such bill this morning. You can see the surcharge there right at the bottom: $0.20 for "ACA" — a.k.a., the Affordable Care Act, a.k.a., Obamacare. Twenty cents isn't exactly exorbitant. But this new practice will no doubt get the anti-Obamacare crowd howling. Content provided by: http://www.businessinsider.com/restaurant-obamacare-surcharge-2014-2#ixzz2uYGl80Gq

... CFRA process and questioning the medical opinion of the employee's doctor. T...loyee's current job due to a serious health condition is enough to demonstrate...

If a disaster covered under your Homeowners insurance wrecks your home, you don't have to couch-surf until repairs are finished. The standard Homeowners policy will pay for loss of use or Additional Living Expenses (ALE) - such as rental and hotel costs - while your dwelling remains uninhabitable Check out these guidelines for using this valuable coverage: Know the amount of your ALE. The Homeowners policy caps additional expenses as a portion of the Dwelling coverage (usually 20%) and sets a time limit, such as 12 months. If you believe that you'll need more coverage, increase the amount before disaster strikes. Look for comparable digs. Staying in a hotel gets old rapidly, so you'll want to get settled quickly. However, don't decide too soon - you're entitled to stay in a place that's comparable in size and quality to your house. Count all your extra expenses. In addition to the cost of housing, don't overlook other expenditures - everything from restaurant meals while living in a hotel and fees for boarding pets to the expense of coin-operated laundry and extra mileage for driving further to work. Remember that the key word for ALE is "additional." The insurance company can deduct any money you save from living in temporary housing (such as the amount you would have spent on groceries from your reimbursement for restaurant meals while you're staying at the hotel). Keep your receipts. The insurance company will generally reimburse you for expenses as they're incurred, rather than paying a lump sum. Keep meticulous records of every expenditure, save all your receipts - and store them in a waterproof, zippered pouch. For more information on your Additional Living Expenses coverage, please feel free to get in touch with us at any time.

Workers' compensation requires an end of the policy year audit to assure proper premium is charged. This process protects both the insured and insurers. Think through this process to make it easier, and cost saving. First, choose a policy year that creates an easy audit. The calendar year works for many companies. You already must report payrolls to the US government, the paperwork is essentially done. Calendar quarters work for the same reason. If you prefer to use your corporate tax year, go ahead. If you complete quarterly profit and loss, you can use a financial quarter. But choose an annual period which already has an audit trail. Keep payroll records separate for each workers' compensation classification. Normally, this record keeping is straightforward. The same people specialize in certain tasks: clerical, sales, labor, or drivers. Some operations can be more complex. If labor crosses from one specialty to another, perhaps a carpenter helps pour a concrete slab, that payroll should be split on an hourly rate. The higher rate applies otherwise. Demand any subcontractor, for example a hood cleaning crew for a restaurant, provide a Certificate of Insurance (COI). Technically, insurance companies can charge for the payroll portion of any contracted work in the absence of a COI. If you use to a non-covered contractor, keep those records to properly assign a discount for premium. Lastly, keep records to isolate overtime pay. Overtime payroll receives a discount for premium purposes. Make audits easier. Choose a convenient policy period. Keep records for independent contractors with COIs, and payments to those without. Isolate overtime pay. Segregate individual payroll by classification if that individual works in multiple job descriptions. Your premium will be more accurate with a minimal additional management effort. And, the default position is always to increase payroll, and therefore, premium.

Comfort zones are there to tell us that we need to start to break out of our quicksand of comfortability.  In your comfort zone there is no growth, no discovery, your journey gets stagnant, and routine becomes your best friend. Now don’t get me wrong, stability is necessary, but boredom is not.  It’s time to get a little uncomfortable.  Not sure how?  Check out these tips. Go out and socialize, no matter how you feel.  It’s Friday night and you’ve been invited out with your friends but after a long week all you really want to do is curl up on the sofa with a good movie.  Stop right there.  This is where you fight your initial urge to lay up and force yourself to make the move to go out. Talk to someone you don’t know.  You’re riding the bus or standing in line at the store.  Stop and say hi and make small talk.  You could be the sun that brightens their day and vice versa. You know that thing that you’ve been avoiding because you’re terrified?  Yeah?  Do that.  The point is, don’t let fear get the best of you.  You go out and get the best of fear. Try new things.  When you keep doing the same things over and over again, life can get pretty boring.  It’s time to break the habit of your tuna sandwich for lunch and head out to that new restaurant. Break out of your funky, old stagnant life and find the excitement that is ready to meet you.  Your future self will thank your present self.  I guarantee it. Content provided by Transformer Marketing. Source:  http://www.mindbodygreen.com/0-15436/5-ways-to-live-a-bolder-happier-life.html

...ectly through, for example, the restaurants and grocery stores that cater to a...

The more heavily your business relies on electronic technology, the greater your vulnerability to cybercriminals. Criminal activity conducted through the Internet impacts businesses of all sizes. One study found that companies with 100 or fewer employees accounted for 72% of data breaches worldwide. Today's cybercrimes put your grandmothers' spam email list to shame. According to a nationwide study by Ponemon Institute, the median annual cost of cybercrime for a large company in 2011 came to $5.9 million. Cybercrime covers a variety of activities, from malicious codes and hacks in which private client or company information is made public or stolen, to disruption of normal operations. Perpetrators include rogue employees, "hacktivists" seeking to make a political statement, or third parties seeking financial gain. Businesses, such as coffee shops, that allow customers on their premises to use Wi-Fi face unique risks. In one case, a Hollywood producer sued the owner of a restaurant offering Wi-Fi access after a customer used the network to download a film for bootlegging. To help protect your business against potential losses from cybercrime, here are some recommendations: Review your specific exposures. For example, if you allow people outside the company to use your WiFi, this can increase your exposure. Focus on the human element in data security by offering employees effective training and specific guidelines. Re-evaluate your guidelines frequently. Evaluate the potential risks of adopting new technology. Last, but not least, make sure that you carry adequate Cyber Liability Insurance. Our agency would be happy to tailor cost-effective coverage to your needs, and help you develop and implement a comprehensive program for managing your exposure to cybercrime.