A Great Benefit Plan That Comes with a Warning Label

Let’s kick this blog off right away with a little trivia. Do you know what ESOP stands for? If you don’t, I’ll help you out. ESOP is the acronym for Employee Stock Ownership Plan, and Investopedia.com defines an ESOP as “…a qualified defined-contribution employee benefit (Employee Retirement Income Security Act of 1974 [ERISA]) plan designed to invest primarily in the stock of the sponsoring employer.” That’s a mouthful. To break it down, ESOPs are a great way to grant ownership opportunities to … [Read more...]

What Keeps You Up at Night?

The answer to that question for me is, “A whole lot!” I have two young kids, so as you can imagine, there are a lot of things that worry me. In general, the whole “am I doing this parenting thing right?” is clearly the winner of my thoughts. But, there’s a lot more to it than that. After all, I’m in the insurance industry…and not just any part of the industry, but the Personal Lines specialization. This means I see and hear it all when it comes to families and unfortunate circumstances. Think … [Read more...]

Here Comes the Tsunami

There are three kinds of lies: lies, damned lies, and statistics. Mark Twain often gets credit for that statement although it most likely originated in England in the late 1800s. Regardless, the takeaway is simple, statistics can often be manipulated to support or detract from just about any position or argument. A major exception to that would be diabetes. It’s impossible to ignore how quickly the numbers are climbing. February is always American Heart month. Each and every year, right around … [Read more...]

Here Comes the Tsunami!

There are three kinds of lies: lies, damned lies, and statistics. Mark Twain often gets credit for that statement; although, it most likely originated in England in the late 1800s. Regardless, the takeaway is simple — statistics can often be manipulated to support or detract from just about any position or argument. A major exception to that would be diabetes. It’s impossible to ignore how quickly the numbers are climbing. This is American Heart month. I’m sure by now you once again have been … [Read more...]

New OSHA Anti-retaliation Rule Causes Confusion and Concern

Remember that little (OK…actually very big) rule R.W. Smith recently told you about — the Occupational Safety and Health Administration (OSHA) anti-retaliation rule? Well, it went into effect December 1, 2016, and, to be blunt, it’s causing a lot of confusion and concern. Employers are struggling to understand how elements of the rule will affect the administration of post-accident drug testing, incentive programs, and disciplinary actions for safety infractions. To break it down a little bit, … [Read more...]

New OSHA Anti-retaliation Rule Causes Confusion and Concern

Remember that little (OK…actually very big) rule R.W. Smith recently told you about — the Occupational Safety and Health Administration (OSHA) anti-retaliation rule? Well, it went into effect December 1, 2016, and, to be blunt, it’s causing a lot of confusion and concern. Employers are struggling to understand how elements of the rule will affect the administration of post-accident drug testing, incentive programs, and disciplinary actions for safety infractions. To break it down a little bit, … [Read more...]

Healthcare Sanctuary City

The term “sanctuary city” does not have a consistent definition, but it does provoke a wide range of emotional (and political) responses. I will define a sanctuary city as a jurisdiction where local authorities have made a conscious and declared decision to not enforce certain federal immigration laws. These local authorities lack the power to change the laws, so they simply don’t enforce them. President Trump effectively created a healthcare sanctuary city on his first day in office. His … [Read more...]

Healthcare Sanctuary City

The term “sanctuary city” does not have a consistent definition, but it does provoke a wide range of emotional (and political) responses. I will define a sanctuary city as a jurisdiction where local authorities have made a conscious and declared decision to not enforce certain federal immigration laws. These local authorities lack the power to change the laws, so they simply don’t enforce them. President Trump effectively created a healthcare sanctuary city on his first day in office. His … [Read more...]

Uncertain Times Call for Leaders to Step Up

If you turn on the news, take a look at social media, or listen to conversations from those around you, you’ll likely notice the discord. It’s evident we’re in pretty turbulent times right now…with tensions running high. Our country seems to be on edge, and there’s divisiveness everywhere I look. Let’s be clear, I’m not going to make this a political post. To me, it doesn’t matter which “side” you’re on. What I am going to talk about is leadership, and how now, more than ever, we all need to be … [Read more...]

Let’s Form a Habit!

Truth or myth? It takes 21 days to form a new habit! MYTH! But really, who wouldn’t like the idea of changing their life in just 3 weeks?! The truth is that it takes anywhere from 18 to 254 days (or 2-8 months). But guess what? That means there’s still time in 2017 to create a new habit! And when it comes to architects, engineers, and projects, it’s important to remember that “changing” is a process not an event! So what can you do in the year ahead to create a beneficial habit for your business … [Read more...]