"Cheers to the New Year another chance for us to get it Right"
Goal Setting in 2015
Many people feel as if they're adrift in the world. They work hard, but they don't seem to get anywhere worthwhile.

A key reason that they feel this way is that they haven't spent enough time thinking about what they want from life, and haven't set themselves formal goals. After all, would you set out on a major journey with no real idea of your destination? Probably not!

Goal setting is a powerful process for thinking about your ideal future, and for motivating yourself to turn your vision of this future into reality.

The process of setting goals helps you choose where you want to go in life. By knowing precisely what you want to achieve, you know where you have to concentrate your efforts. You'll also quickly spot the distractions that can, so easily, lead you astray.

Why Set Goals?

Top-level athletes, successful business-people and achievers in all fields all set goals. Setting goals gives you long-term vision and short-term motivation. It focuses your acquisition of knowledge, and helps you to organize your time and your resources so that you can make the very most of your life.

By setting sharp, clearly defined goals, you can measure and take pride in the achievement of those goals, and you'll see forward progress in what might previously have seemed a long pointless grind. You will also raise your self-confidence as you recognize your own ability and competence in achieving the goals that you've set.

Here are a few guidelines in helping set your goals:
  • State each goal as a positive statement : Express your goals positively – "Execute this technique well" is a much better goal than "Don't make this stupid mistake."
  • Be precise: Set precise goals, putting in dates, times and amounts so that you can measure achievement. If you do this, you'll know exactly when you have achieved the goal, and can take complete satisfaction from having achieved it.
  • Set priorities : When you have several goals, give each a priority. This helps you to avoid feeling overwhelmed by having too many goals, and helps to direct your attention to the most important ones.
  • Write goals down :This crystallizes them and gives them more force.
  • Keep operational goals small : Keep the low-level goals that you're working towards small and achievable. If a goal is too large, then it can seem that you are not making progress towards it. Keeping goals small and incremental gives more opportunities for reward.
  • Set performance goals, not outcome goals : You should take care to set goals over which you have as much control as possible. It can be quite dispiriting to fail to achieve a personal goal for reasons beyond your control!
In business, these reasons could be bad business environments or unexpected effects of government policy. In sport, they could include poor judging, bad weather, injury, or just plain bad luck.
If you base your goals on personal performance, then you can keep control over the achievement of your goals, and draw satisfaction from them.
  • Set realistic goals : It's important to set goals that you can achieve. All sorts of people (for example, employers, parents, media, or society) can set unrealistic goals for you. They will often do this in ignorance of your own desires and ambitions.
It's also possible to set goals that are too difficult because you might not appreciate either the obstacles in the way, or understand quite how much skill you need to develop to achieve a particular level of performance.


Wellness Initiative: Promote Wellness
As workplace wellness programs are becoming more widespread throughout the country, the buzz is catching on. The bottom line of such programs is this: healthy employees tend to be happier and more productive employees. These programs range from simply offering information to workers, to subsidized healthy lunches, fitness education, and a company gym. Employees are the most valuable assets to any company. Here is why workplace wellness programs should matter to you.

The benefits for employers are obvious. They provide the company with strategic advantages by investing money in a program that will hopefully bring them lowered expenses in return, often in the form of better performing workers, and lower absenteeism and health care costs. Employees are the most valuable assets to any company. By providing workers with these services, companies are improving well being and job satisfaction, as well as raising retention rates. The welfare of employees has a direct impact on the success of the company.

So why should you, as an employee, take advantage of a workplace wellness program? Every person has some sort of health risk to varying degrees, whether it’s unhealthy eating, lack of exercise or sleep, drinking, smoking, or even something genetic. Using a program can make positive change happen. Not only will you be more able to complete your job responsibilities, but you will have more energy and vigor to give to your family and friends when you get home.

Workplace wellness programs can help you get healthier, even if that simply means learning how to reduce stress and muscle strain when you are on the job. Depending on what your company offers, it might also help to lose weight, lower your cholesterol and blood pressure, sleep better, and save money on prescriptions. Sometimes, all you need is a little motivation to get the ball rolling and a workplace wellness plan might be it.

Another great benefit of wellness programs is a built sense of camaraderie with your co-workers. You’ll have a chance to experience activities with them that aren't related to work, whether in a walking club or sports team, by having lunch together, or by going to the gym. Social support is a very important part of weight loss and getting fit. By interacting with co-workers, you’ll have others to give you encouragement when you need it, as well as to hold you accountable to your goals. Plus, you’ll be motivated by seeing other’s positive results. By using a wellness program, you’ll be an important part of the team.
Supreme Court to Rule on Same-Sex Marriage
In a turn of events the Supreme Court is getting involved in the marriage business again. 

On Jan. 16, 2015, The Supreme Court decided to put into order whether same-sex couples have to right to marry in American under the Constitution. Currently 36 states and the District of Columbia permit gay and lesbian couples to wed.

The case is set to be argued in April, and the decision will be expected by the end of June.

To read more on this click here
Hepatitis C- New Drug Approval Rate
On December 19, 2014 the FDA approved Viekira PakTM, with or without ribavirin, for the treatment of chronic hepatitis C genotype 1 infection in adults. Viekira PakTM, is manufactured by AbbVie.

All prescriptions for hepatitis C therapy, including prescriptions for Viekira PakTM, require prior authorization review to ensure appropriate use.

To Read more CLICK HERE
National Health Observance
Be aware. The greatest wealth is health!
National Health Observances (NHOs) are special days, weeks, or months dedicated to raising awareness about important health topics. The 2015 calendar features more than 200 National Health Observances with up-to-date information and outreach materials.

Click Here For the National Observance calender


Agencies Prohibit All Employer Reimbursement of Individual Premiums
With increasing costs in providing group health insurance, some employers have considered helping employees pay for individual health coverage instead of providing employer-sponsored group coverage. However, arrangements that employers make to provide an employee with reimbursement for individual coverage are in violation with ACA requirements.

On Nov. 6, 2014, the Department of Labor, Health and Human Services, and Treasury issued a notice that indicates that all individual premium reimbursements are prohibited (click the link below to view.) This includes employer pre-tax and post-tax premium reimbursements.

In the event of a violation employers may be fined an excise tax of $100 per for each applicable employee.

To access the published notices.
Click HERE
Techniques to Avoid Back Injuries while Shoveling Snow


Snow shoveling is one of the most common causes for back injuries during the winter. There are many ways of preventing this type of injury when removing snow. Here are some tips to help out this winter.

-Pick the Right Snow Shovel. Using light weight shovel will help reduce the amount of weight move around.
Maybe look at a shovel with a curved handle or adjustable length. These help reduce the bending on your back and knees.

-Warm Up Thoroughly. Staying warm allows your muscles to be flexible. Make sure to have your muscles warmed up before shoveling, since cold, tight muscles are prone injuries.

-Use lifting techniques. Avoid lifting with your back, and lift with your legs. The best option to go with whenever possible is pushing the snow to on side as it completely reduces lifting.

-Pace Yourself- Shoveling snow is not a race. Take your time to avoid strenuous shoveling.

​The Best option though is, Use a Snow-Blower. A snow blower greatly reduces the stress in you back, and makes you use more power from your legs.

To learn more on different techniques click here


New Tax Forms for Individuals with Coverage from the Health Insurance Marketplace.
The Health Insurance Marketplace, Health and Human services has issued a new 1095-A tax form. These forms are for individuals who purchased coverage through the Health Insurance marketplace.

They will receive the forms in the mail and should be used when filing your 2014 federal income tax return.

 To read more Click Here


The average American consumer pays $279,002 in various forms of interest over the course of a lifetime.In New Jersey however its a different story.

​The average for New Jersey is $309,500. Ranking fourth among states and the District of Columbia. One of the biggest reasons New Jersey was pushed up near the top is due to the high cost of housing.

To view more of this report Click Here


Brown & Brown Metro, Inc. is GOING GREEN. We now have the option to deliver our Business clients their policies electronically or on flash drives.


Prevent the Mess and Expense of Frozen Pipes in your Home
As our area is experiencing dramatic drops in temperature, the time to prepare is now. Here are some quick and easy tips to prevent the water pipes in your home from freezing and potentially causing an expensive mess:

- Let cold water trickle from the faucets in your home. Turn off water leading to outside faucets and open those taps to drain any water remaining in the pipes

- Keep garage doors closed, especially if you have water supply lines in the garage.

-Open kitchen and bathroom cabinets to allow warm air to reach the plumbing. Be sure to remove any cleaners or chemicals out of the reach of children and pets.

-Keep your thermostat set to the same temperature through this cold spell. You may incur a higher heating bill, but you will be preventing a more costly repair job.

Stay Warm!
Your Personal Lines Staff


Terrorism Risk Insurance Act
The insurance industry breathed a sigh of relief this week after President Obama signed legislation reauthorizing the Terrorism Risk Insurance Act (TRIA), which had been allowed to expire on Dec. 31, 2014.
The Terrorism Risk Reauthorization Act of 2015, H.R. 26, was passed by the House on Jan. 7 by a vote of 416 to 5  and the Senate, 93 to 4.“After several years of delivering testimony, lobbying and developing initiatives that allow RIMS members to voice their concerns regarding TRIA’s expiration, our hard work was finally rewarded,” said Rick Roberts, 2015 president of RIMS. “We are thrilled that Congress and President Barack Obama finally realized that this federal backstop is more than just an insurance issue. TRIA offers all organizations that do business in the U.S. financial protections to cope with the very real and unsettling devastation caused by terrorism, as well as the confidence to remain focused on their objectives.”

​Your insurance account manager or any representative of Brown & Brown can discuss this coverage in more detail.  Please do not hesitate to contact them.

For more info CLICK HERE