Category Archives: Business

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Rules Needed for Office Lottery Pools

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Powerball

With the current Powerball Jackpot estimated at $1.4 billion, the highest amount ever, people everywhere are lined up to buy tickets—and making plans for their winnings. The odds of winning Powerball, however, are one in 292,201,338. Meanwhile the odds of being struck by lightning in any given year are one in 700,000.

To maximize their odds of winning, many form pools to purchase more tickets. Often this takes place at work, but if a company is located in a state where the lottery or gambling is illegal, an office pool may not be a good idea.

Powerball tickets are sold in 44 states, as well as Washington, D.C., the U.S. Virgin Islands and Puerto Rico. They are not allowed to be sold in Alabama, Alaska, Hawaii, Mississippi, Nevada and Utah.

“Even if you pool your money and then buy a ticket from another jurisdiction, the criminal statute may still apply. You were arguably participating in and promoting a lottery within the state,” Stephanie Rabiner wrote.

Employees of the U.S. government should also be aware that they are prohibited from taking part in any gambling activity on government-owned or government-leased property, or when they are on duty for the government.

But with so much money at stake, what could go wrong? Plenty, and with the jackpot so high, the likelihood for complications is also increased.

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Midge Seltzer, president of Engage PEO, lists a few of the potential problems and steps that can be taken to circumvent them.

Potential issues:

  • Employee claims he or she bought the winning ticket and was not part of the pool.
  • Employee only verbally said, “I’m in,” or “Yes, and I’ll give you the money tomorrow.

    “

  • Participants aren’t actually known, because the pool is so loosely handled.
  • An employee had participated previously, but was absent to contribute to this pool.

Guidance:

  • Ensure that all participants pay prior to purchase of lottery tickets.
  • Choose a leader—the employee who will be responsible to purchase the tickets and put them in a safe place.
  • Make copies of the tickets.
  • Have all participants write and sign their names and have the lead confirm that he/she paid for the tickets.
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  • Agree beforehand how employees will choose the numbers (at random or set numbers).
  • Agree beforehand whether employees will take a lump sum or payout.

What are the most popular states for Powerball?

Residents of Rhode Island have bought the most Powerball tickets, with an average of 3.44 tickets per person since the last jackpot was won on Nov. 4, according to consumer finance website ValuePenguin.

The top 20 states for per-capita participation in Powerball:

Top-20 States for ticket sales

U.S. Sues VW

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VW logo

The U.S. Justice Department on Monday sued Volkswagen in federal court in Michigan for illegally installing faulty emission control devices in about 600,000 vehicles. The lawsuit, filed on behalf of the U.S. Environmental Protection Agency (EPA), accuses VW of four counts of violating the U.S. Clean Air Act, including tampering with the emissions control system and failing to report violations.

According to a Reuters review of the U.S. complaint, VW could face fines of up to $37,500 per vehicle for each of two violations of the law, up to $3,750 per “defeat device,” and another $37,500 for each day of violation.

Risk Management magazine reported in December 2015 that the affected EA 189 diesel engines were installed in more than 11 million Volkswagen and Audi vehicles manufactured between 2009 and 2014. The company announced on Oct. 22 that it was also looking into whether the software might be in earlier versions of its latest EA 288 diesel engine, potentially adding millions more to the total.

Regulators across the globe, including in India, South Korea and Germany, are conducting their own investigations, as are attorneys general in all 50 U.S. states. The Justice Department has been seen as the only agency that might hold executives personally accountable, according to The New York Times.

The government is seeking a number of penalties against the company, including fines and further actions to mitigate the emission of harmful pollutants. A federal court will determine what actions the company must take to reduce emissions and a dollar figure for the penalty.

VW (VOWG_p.DE) shares fell as much as 6% to a six-week low on Jan. 5, the biggest drop yet on Germany’s blue-chip DAX index, Reuters said.

Close of 2015 Sees More Rate Reductions

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Insurers’ competition and ongoing fight for market share resulted in a composite rate down 4% in December for the U.S. property and casualty market. But while market cycles are here to stay, the current cycles are tame compared to some previous years.Barometer In 2002, there was a mean average rate increase of 30% and, in 2007, a mean average decrease of 13%, according to MarketScout.

“Market cycles are part of our life, be it insurance, real estate, interest rates or the price of oil. Market cycles are going to occur without question. The only questions are when, how much and how long.” MarketScout CEORichard Kerr said in a statement. “While it may seem the insurance industry has already been in a prolonged soft market cycle, we are only four months in.

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The market certainly feels like it has been soft for much longer, because rates bumped along at flat or plus 1% to 1½% from July 2014 to September 2015.” He pointed out that the technical trigger of a soft market occurs when the composite rate drops below par for three consecutive months.

Rate Trend

MarketScout has been tracking the U.S. property and casualty market since July 2001. Kerr pointed out that during that time, the length and veracity of the market cycles has become less volatile in the last five or six years. “Thus, the impact of a hard or soft market in today’s environment may be 5% or 6% up or down,” he said. “Can you imagine how we would react today in a market such as that of July 2002 when the composite rate was up 32%? Or in December 2007 when the composite rate was down 16%? Underwriters today have better tools to price their products and forecast losses. Further, the chances of a rogue underwriter or company are greatly reduced by the industries’ checks and balances. There may be less excitement but there are probably far fewer CEO heart attacks.”

December 2015 rate summary by coverage, industry class and account size:
Coverage1
Industry class2
Account size3

America’s Safest Driving Cities

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Winter weather has yet to appear in many parts of the country, but it’s on its way. When factoring rainy or snowy conditions into collision frequency, however, some cities are safer than others in many types of weather, according to the 2015 Allstate America’s Best Drivers Report.

driversWhile there are many factors that impact highway safety, an improving economy and lower gas prices have led to an increase in the number of miles being driven.

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According to the Federal Highway Administration’s latest Traffic Volume Trend Report, cumulative travel for 2015 is up by 3.

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5%. The September report is based on hourly traffic count data reported by the states, using data collected at about 4,000 continuous traffic counting locations nationwide.

Recently, the National Safety Council estimated that the U.S. is on track for its deadliest driving year since 2007. In the first six months of 2015, NSC reported traffic deaths were up 14% from a year ago, and serious injuries were 30% higher over the same period.

The city with the best driving report this year is Kansas City, Kansas. Factoring in precipitation, Cape Coral, Fla., and Brownsville, Tex., came in second and third, respectively. Cities at the bottom of the list of 200 were Boston, Massachusetts; Worcester, Massachusetts; and Baltimore, Maryland. New York City was listed at 151.

The report is based on Allstate’s claims data, ranking America’s 200 largest cities in terms of car collision frequency to identify which have the safest drivers. The data also shows how these cities rank when precipitation is a factor. The rankings are based on the expected driver performance given each city’s average annual precipitation as measured by NOAA, according to Allstate.

America’s safest driving cities:

ABD-Infographic-2015-1