Shop in RI - January 2025

January 2025

401-231-8300

Voted RI’s Finest Concrete Company!

Baccala Has Been RI’s Foundation For 110 Years - Cover story 58-59 Before

Cover Story 32-33

After

Anthony’s Jewelers

1525 Mineral Spring Avenue, North Providence

401-353-5585

Shop In RI 2 Shop In RI 2

tor hony Manzo

cutive Editor

ian festivals,” said Palmisano, who is a third-generation feast festival promoter and a well-known local philanthropist. Our family loves the area and has been a part of this community for years. When this space (for the22 restaurant) was available, it was like coming home again,” he continued.

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The restaurant employs a dozen people and prides itself on cember ey Manzo 2019serving dishes with a nod to the “Old Country.” Diners can feast

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on several signature dishes, including their bone-in veal chops July 2023 that are so big that they9take up the entire plate, their lingui-

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ni and clams and their Italian stuffed artichokes. Patrons can ef Operating Officer dive into their fresh fish dishes, 10 chicken or veal parmigiaony Manzo Editoralso Lombari na with pasta, or perhaps for dessert, their amazingly delicious

The restaurant is open4Monday, TravelTuesday Tips and Wednesday from Joseph Matrullo Vice President Members 11:30 AM to 9:30 PM, Thursday, Friday and Saturday from Members haelMatrullo MotaBoard 11:30 AM to 10:00 PM, and Sunday from 4:00 PM to 9:00 PM. Brian Kelly aul

Dr. Paul Matrullo eeheading oseph Party! Matrullo e Party! Dr. Joseph Members Matrullo R E D | CMota L O S E D A T 1 0 PBoard M They also cater events and have48 daily specials and promotions. ael ntributors E D | C LO S E D AT 1 0 P M 6these World Newsevents, please call 401Dr. Paul Matrullo For more details about upcoming Michael Mota

e heading

The bar remains open5one hour after closing.

Front Page

Wallace Dr. Joseph 273-5900.

More details may be found by visiting their website Matrullo butors at www.AnthonysonFederalHill.com.

Michael Mota 7 Table of Contents 4 Travel Tips Matthews Wallace Contributors 50 ie Venagro Jen Wallace atthews Contributors 9 Anthony’s Front Page 5 Authentic meLopatosky VenagroAl Matthews Jen Wallace Italian Cuisine Venagro drew Irby Stacie Lopatosky Al Matthews

ew Irby

ters

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January

Anthony Manzo homemade cannolis. tive Editor Perhaps their calling card is their "World Famous Expresso sident &Executive Creative ey Manzo Editor Martinis,” among other specialty cocktails 2025 6 that are infused with ector Jeffrey Manzo rosemary, ginger and other herbs to give them an authentic flair and taste.

Operating Officer hael McDonald Chief Operating Officersaid that his goal for operating a successful restauPalmisano ombari Editor rant is simple: “I want people to feel like they are eating at my Jim Lombari Anthony Manzo naging Editor house.” ent & Creative Director id Patricio He noted about how meals are cultivated back in Italy. “It starts Chief Officer &Operating Creative Director aelPresident McDonald with visiting the local butcher shop for the freshest meat, then Hanukkah Hanukkah JimMcDonald Lombari Michael 35 walking to the garden to select the vegetables, and maybe to e President the local store to pick up a bottle of wine. Palmisano said that w Year’s ging Editor w Year’s 52 the restaurant strives to maintain this tradition because “farm President & Creative Director Kelly Managing Editor dsnPatricio available to table” offers the best quality and flavors for their customers.

Michael McDonald s available our special specialDavid Patricio 23 our “I hope that when customers visit Anthony’s Italian Cuisine, sresident and Cannolis!

Cannolis! and Managingthey Editor ard Members enjoy a little piece of Italy with every made-to-order dish,” Vice President 48 Kelly he said.

David Patricio Paul Matrullo Brian Kelly

Tom Lopatosky Stacie Venagro Andrew Irby Tom Lopatosky

Andrew Irby s k Berger Writers Berger Berger nLowney Lowney MarkWriters Mark Berger Brian Lowney aRomano Romano Brian Lowney Julia Romano nifer Coates Julia Romano Lombari Jennifer Coates ck Burke Reilly Jennifer Coates L.A. Reilly n Gazerro L.A. Reilly n LombariJenn Lombari Jenn Lombari h WesselSusan Gazerro

an Gazerro Susan Gazerro

Paul Lonardo Paul Lonardo ExecutivesPaul Ignasher Paul Ignasher esManzo Executives ey ey ManzoSales Executives ombari Sales Executives Lombari Lombari Jeffrey Manzo Jeffrey Manzo ael Belsito n Lombari JimJim Lombari Lombari

Jenn Lombari Jenn Lombari hael Belsito on Editor Michael Michael Belsito Belsito nna OrtizCamilla Camilla Spliid Spliid

otographers Photographers llermo Garcia graphers Photographers Guillermo Garcia ermo Garcia son Barth Guillermo Garcia Owen Head on Head haelBarth BelsitoOwen Michael Belsito

ael Belsito Michael Belsito

6 National 4 TravelNews Tips 11 Live the Live Monthly Recipe 5 Front Page News 7 World

14-15 Have 4Yourself a 6 Travel World Tips News 9 RIHA - Regaining Merry Christmas Cookie

5 Front Page Consumer Confidence 7 National News

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54 38-40 Cover Story Charming Treasures / Charmed and Dangerous

68 Seen Out at RI’s Finest Awards Ceremony

features: 58

22-23 Style Profile 58 42-43 Savon Shoes Blooming 24-25 Keeping Customers onBlossoms Their Feet

The Magical Leak ShopInRI 09

features:

Wellness 28-29 Self 44-47 Holiday Shopping 24Serenity Dynamic ThoughtsSpa

features:

on the East Side

26-27Venagro Susan Gazerro FitnessFitness Tips 30 Stacie

TipsFamily 52-53 The Matrullo

28Decades New Year, New Focus Investing Keeping Health 32-33 It’s My 32-33 Christmas In July at Customers Smiling 30-31 Why Is Eating Healthy So

Anthony’s Jewelers 18-19 Parma Bar & Grille AHard?

New You! 36-37 6-7 Comedian Creates New 56 Laurie Reilly’s Opens Doors inSummer North 10-11 Hot Spots 34-35 Alzheimers Association Yacht ClubProvidence Flavor Sunny Side 10-11 35-37 Summer Breast Cancer Journey Food, Folk Updates 38-39 RI Vaccine Jazz On Thewith Street 37 Which&IRA IsFesitvals Right For Me? 10-11 Squash Recipes 13 RIHA Column 22-24 BeSucculent MerryMonthly 58-59 Yoga, Pilates & Festive Drink Recipes Local Profile -&Yemi 13-15 RI Brew Fest 38-39 Big Brothers Sisters 40-4240-41 Ameriprise Financial Tips 1216-17 Live The Live Recipe Watermelon Recipes Meditation Sakoni of RI RIHA Monthly Column 26-2716 The Italian Corner 18-19 44th Annual 43 GetLeading The Most Of Your ByOut Example 60 44-45 Stacie Venagro Entertaining 14-15 42-43 Best RI State Parks Portfolio 18 12 Things You Didn’t St. Anthony’s FeastKnow Fitness Tips 31 Top Christmas Events inPicks April at the Green19 Door Love It Live It

22 No Offseason For Fitness

18-19 Satisfying Recipes

Dare to46Dream Ranch 48-49 45 Meet Dream Team 44 &The Ameriprise 64-65 Holiday Fun Activities Financial Tips

46-47 Be A Good Neighbor 23-25 Heavenly Hot Chocolate 32-33 TheBecoming Troll Shop For the Entire Cover Story 50-51Family 24 Comfortable 48-49 Ochs At TheThoughts Gym 50-51 Adding To Realtor Life 27 Dynamic Certa ProJulie ofYears Northern RI Gala

20 12 Things You Didn’t Know

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72 Ask an Expert

41 Suit Yourself at Franklin Rogers

24

54-55 Time Zone

74-75 Claudia’s Creations 62 70 66 at Mangiamo

59 Silly Laws 76 12 Things YouFacts Didn’t Know State The State52-53 The Facts Christopher Medeiros Gorra Financial 62-63 Custom Stars and Stripes 80-81 Shang Bailey Hotel

By Tom Jones Johnston, RI55 Ask An Expert 54-55 Organizational Excellence

66-67 Furs and Feathers 82 Ameriprise Financial Tips 58-59Fins Kindred Women 57 Ask An Expert Planning for Inflation?

Travelers 71 Ask An Expert

58-59 Baccala Concrete

85 Whats Up With That RI 62-63 Cover Destination Story Silly Laws

72 What’s Up With That

62-63 Popular Years 68Most 12 Things YouNew Didn’t Know Resolutions & Why They 88-89 Troop ProvidenceFail

74-75 68 Southern Rhode Island Up With That 66-67 What’s HR Compliance Chamber of Commerce 94-95 Brew Grindz Toyota of Smithfield It’s 68 A Whole New TasteIs Key 69 Satisfaction

At Toyota of Smithfield 78What’s Toyota of With Smithfield 68 Up That Christmas Dinner 102-103

Expanding Staff

for70-71 the Homeless TheWhy 1890s Cars 72-73 YouWhen Should Market RanYour On Water Company

80-81 E2G Sports

SHOP IN RI the Magazine 1525 Mineral Spring Avenue, North Providence, RI 02904 ph: 401.270.2832 fax: 401.353.0792 email: ShopInRI@ShopInRI.com Visit ShopInRI.com to view all current and past issues of Shop In RI magazine!

Shop In RIIn 3 RI Shop

Airports Are Starting to Take Their Music Seriously Flying This Summer?

Cut TSA Lines for Free

TravelTips

The for t

Feel In RI Selects: Palm Aruba Shop In RIShop Selects: The Taste ofBeach, Maine Shop In RI Selects Sugarbush Resort,Restaurant Vermont in off th Already dreading long security asMaine their #1 #1 family destination of largest the month.

Woolwich,as forSkiing having the world’s lobster roll.chan lines for your next flight? There’ve their Getaway on the East Coast! long been services that allow you neeri to cut those lines, but you’ve got nonto open your wallet and do a good It’s a amount of prep work for them.

L’Agu Now, an option those shortan Background music for is no longer sia— on funds at andmany time:airports, the Reserve afterthought which Appa servicelocal

by Clear, a freeand program are hiring musicians carefully enco that allows customers to book curating playlists to help lighten via b a spotmoods. ahead ofLondon’s time thatHeathrow sends travelers’ thembuilt to thea front the showcase line at boat Airport stageof to TSA checkpoints. emerging British performers for the first time this summer, reports the A per Clear International site explains Airport how AP. The Nashville three works: In more advance has the five process stages that host than miles your flight per (howyear. longIn inthe 800 ofperformances or ob advance depends on the airport), Dominican Republic, Punta Cana able f you’d simply loggreets on topassengers make a International Airport Palm Beach, Aruba is the perfect destination for a family vacation, cold, for the time you’d like withreservation live merengue music. offering a blend of natural beauty, exciting activities, and family- tions to pass through security. You’ll There friendly are a few food itemsWith thatits are synonymous with Maine,and onecalm, of them amenities. soft, white sand beaches like S Music isn’t a aQR new phenomenon receive code that, on the in being the ever-so-delicious lobster roll.

Tourists have been flocking every turquoise waters, it’s ideal for families with children to relaxtoand airport terminals.

Brian Music day of your flight, you’llEno’s show to a corner of the Pine Tree state for decades to devour the delicacy. However,the p enjoy safe swimming, snorkeling, and other water sports. The area for Airports, inthe 1978, staffer inan thealbum Reservereleased lane near not all lobster rolls are built the same. Often, the biggest complaint than is home to many resortsis...not that cater to families, providing spacious helped the The ambient music TSA define checkpoint. service isn’t people Sugarbush have about enough lobster.

So,with the many Taste skiers of Mainesame is a anlobster overlooked gem among its peers, genre.

But Barry McPhillips, the head of accommodations, kid-friendly pools, and organized activities.

In available at every airport (there restaurant in Woolwich decided to solve that problem once and all. down headingtotothe nearby Killington, Stowe, oraMad River Glen over for this international creative for Mood Media, addition beach, Palm Beach has vibrant atmosphere with are about 20 in the US, Canada, Shared on Facebook by Taste of Maine restaurant, they claim to be serving double mountain resort. So why shouldn’t you do the same? To put which for listed) airports and the world’s nearby shopping, dining, entertainment options that canthe keep andprovides Europe music currently and largest lobster roll,and a monster sub at least times it simply, Sugarbush offers everythingthree that those moresize other public spaces, says technology even at those airports, the service is of a typical everyone entertained.

Plus,practically theone island’s warm, year-round sunny lobster roll. The number question in comments seems to Wom popular ski areas boast, minus the crowds. So if you fancy schussing enabling background music areas. to be A less may be limited to certain weather ensures that you can enjoyconditions outdoor adventures, from be about the price.

Given current market for lobster, the daily Unit downfor a freshly groomed slope lobster withoutroll’ for a between dodging generic and more tailored specific market price company rep said they’re to working the ’world’s largest has been $150 and exploring Arikok National Park to takingqueuing a boat tour,lift no or matter when places or times of day.

Mood Media— snowploughers this could be just the place for you! on adding more airports into the $170. Some will scoff at the price, but if you’re traveling from afar just to you visit. With its mix of relaxation, adventure, and convenience,get formerly You c mix. known as Muzak—develops yourBeach handsis onan a excellent Maine lobster roll,for why not try the largest one?

Palm choice a memorable family getaway. playlists to appeal to whoever’s in the Terrain: The resort is made up of two interconnected mountains, Lina dom airport at any given time. coln Peak, where the majority of trails are, and Mount Ellen.

Other Reserve customers mustIt might still Atlanta, New Orleans, Chicago, and New get a Fourth Eagle of July Airfare DownPlane to Turn Around in Alaska Strike Forced program calmer thejackets security lowerFrom peaks include Castle Rock,York Gadd Peak and North Lynx. For the City. remove their music shoes inand By 27% Last Year man line but something more energizing in Days type before the terrain air disaster in expect whenfrom it landed.

“Normally, it would and take their electronics out for of gnarly you would Mad River Glen, just went the duty-free store. “We design for all of Travelers South who Korea,plan a flight inover Alaska scarier situation, but knowing to fly the also Junebe 29 aand 30 are expected to screening. Clear also offers a paid hop aboard the Castle Rock Double chair toJune Castle Rock.

From thebe the a ”sti experienced a bird weekend strike, but thebusiest these moments,” McPhillips says. that it was bird ...weekend, and then they Fourth of July holiday can days of theaholiday with 3.7 service called Clear Plus, which top atnot 3,812 ft, you’ll have the steep double black chutes ofgoing Lift Line effect was as catastrophic.

Alaska said the eagle was to the drop expect to pay less for their domestic people expected to departdrop from U.S. for the price of $189 per year andsaid Rumble to get stuck into.

If million clocking up maximum vertical Airlines Horizon Air Flight 2041 eagle hospital, and he had a broken At the same time, many airports are tickets the fl this year, as round trip tickets airports on both days. The least busy day of allows users to not only skip to is more your thing then you’ll find the slopes here laid out much betAnchorage to Fairbanks was wing,” she says.

Officials at the going low tech, hiring local musicians willfrom be 27% lower this year than they the long weekend will be on the Fourth of snag the front of the line, but also to forcedter tofor turn around on Christmas Alaska Bird Treatment Learning top-to-bottom shreddingJuly than at Killington.

Even ifand you ski are to give travelers a sense of the place were at the same time in 2022. itself.

A total of 3.5 million people not have to show ID; instead, your Eve after an trails eagle here, hit the plane.also 2,000 Center say the eagleexplore was brought all 111 there’s ac ofto backcountry they’re passing through. The programs expected depart from to airports on in July 5.”Afte eyes or fingerprints are scanned. in on Christmas Eve but it had to the Slide Basin benefit musicians, who get paid and A round-trip ticketBrook this year willarea! cost aafter The bird strike happened soon be euthanized because of severe TSA PreCheck also offers a paid on fl gain wider exposure. Chicago’s O’Hare traveler a little more $300,Anchorage which The damage busiest airport the country is expected takeoff from Tedthan Stevens to itsinwing.

“Everybody was service ($78 for five years) that, lanta and Midway airports have more than is over $100 cheaper last“The year. The to Sugarbush be Atlanta’s, over Town: If Airport. allthan that wasn’t enough, is where generally a 1.8 notch International captain really excited that they said themillion eagle because you’ve gone through pond round-trip tickets are Stowe, infor line 100 live performances each year. prices are sacrifice expectedofand toluxury. pass through. andoffirst officer are trained these cheaper than pricey buttravelers nothad at been the For removed he was going advanceSky vetting, meansInternational you don’t MedL with howlavish much round-trip tickets cost Phoenix’s Harbor Other airports which will be exceedingly situations and landed the aircraft safely the sanctuary,” Tatela “We’re lodgings, look no further thantoLincoln Peak Village.

Forsays. these havenow to remove yourstages shoes,featuring jacket, in without 2019, reasons according tomore, an Alaska analysis by busy include Dallas (DFW), Denver (DEN), any and issue,” Airlines Airport has two provi hoping for a happier ending for the when it comes to the most practical ski destinaother items. said. Horizon Air and Alaska AirlinesLos eagle, Angelesbut (LAX), Vegas (LAS). it is aand jet, Las so there’s that.” said. locallaptop, artists. or “People’s anxietyReserve levels are Hopper. tionowned in Vermont, Sugarbush is a fantasic choice for a winter weekend an option those who are both

by Alaska Air Group.

Santa Monica,local veryremains high when they’refor traveling,” says want the to pay.

“Travelers can were put ondestination another flightFor travelers who are driving ThisPassengers year,getaway! the most booked California instead of Tamidon’t Kuiken, manager of airport custo and the only nowat save even more timeairport. by in to theFairbanks United States over thecasualty Fourth wasflying, car rental prices are also down music the Seattle-Tacoma 4 Shop In RI seamlessly reserving their spot all in of of the July eagle. weekend, which is from June considerably from last year at 25%. On Once they’re “greeted with music, 30 through July 4, is Las Vegas. The the security line,” a and Clearstress rep said average, car rentals this year will set back a sudden their anxiety levels Passenger Tatela include tells KTUU domestic citiesMichelle that follow travelers $47 per day. in a statement. drop.”

4 Shop In RI 4 Shop In RI

that police cars surrounded the plane

Court Shuts Down Firms Behind Millions Robocalls It Wasaof aFresh Tough YearMystery for There’s Geyser in There’s a Fresh Geyser Mystery in You may not have Florida’s Panthers Yellowstone She Became a Bride and a heard of Nicholas Yellowstone

FFront age rontPP age

Widow Minutes It’s unclear why THE TOP EARNING MUSICIANS OF THE DECADE and NatashaWithin Pa- the Steamboat It’s unclear why the year Steamboat Geyser hadchana record THE TOP MUSICIANS OF THE DECADE Top RedEARNING Sox Center Fielders of AllTime Time Top 44Boston Celtics Players All lumbo, but ofOf all time Geyser had a record year ces they’re It’s theare tallest active geyser on the planet— for on It’sresponsible the an tallest active geyser on” the planet— with emphasis “active.

From 2015 annoying at on to 2017, ityou didn’t erupt at all.” From There was with an emphasis “active.

2015 some point.

The largely quiet period from 1911 was to toanother 2017, it didn’t erupt at all.

There Three dozen Florida panthers died in Justice Department says the Arizona couple 1961, but in 2018 it logged a record-setting another largely quiet period from 1911 to 2024, making it the worst year for deaths and two companies they own have been per32 eruptions, a feat it has crushed this 1961, but in 2018 it logged a record-setting of the highly endangered species sinceyear manently banned from sending robocalls to with 47animals, eruptions, the US Geological 2016.

The once found across the year 32any eruptions, aphone feat itper has crushed this American numbers or providing Survey.

Why? Goodmostly question, and onetothat Southeast, are now confined with 47 eruptions, per the US Geological any other entity with US numbers. been answered. one on per a long onehasn’t region along the GulfIt’s of Mexico, Survey.

Why? Good question, and one that CBS They’re battlinginlow genetic listNews. of geyser mysteries, fact.

The geyhasn’t been answered. onare a and long Taylor Swift ($825 million) Dr. Dre ($825 million) Federal investigators sayIt’s theone Palumbos Johnnie Mae had suffered two diversity, illness, andis habitat but ser-research field a thin loss, one, andrecent as Yeltheir companies, Ecommerce National LLC list of geyser mysteries, in fact.

The geyparticularly vulnerable toher vehicle strikes, losses, including that of father, when lowstone National Park’s hydrologist exTaylor Swift ($825 million) Dr. Dre ($825 million) and SIP Retail, ”gateway” carriers which killed 29 ofwere the animals in 2024, ser-research field is a thin one, and asthat YelBill Russell 1956-1959 Larry Bird 1979–1992 she knowingly stood inthefront of friends and family plained area beneath Steamboat hasn’t facilitated hundreds of millions 11 NBA titles, five MVPs, Three NBA titles, two NBA Finals MVPs, three according toNational the Florida Fish and Wildlife lowstone Park’s hydrologist exbeen mapped.

However, seismic sensors and committed to the love of her life on 12-time NBA All-Star, MVPs, 12-time NBA All-Star, nine-time of robocalls from overseas call centers seeConservation Commission. Another was five-time rebounding champion All-NBA first team, 1980 Rookie of the Year, plained the area beneath Steamboat hasn’t there have revealed that the geyser’s water king to scam Americans.

Millions of the Monday.

But within the hour, her groom struck by a train. Just two were killed Reggie Smith Fred Lynn been mapped.

However, seismic sensors source may while sit as deep as 130 feet. prerecorded were from scammers by predators, four had “unknown” was dead, too.

Ascalls Mae and new husband there have revealed water whoDavis claimed be that fromthe thegeyser’s Social Secucauses of death.

Toraze of toOmaha, Nebraska, left rity Administration and source may sit as deep as told 130 the feet.recipient the where do,” Davis Tenchurch of the deaths occurred in“INovember they would face they arrestsaid if they didn’t transfer suffered a blood clot his heart and December, per that CBS. made Fox Weather funds. describes five deaths Nov.... 29. stop.

“It happened withinsince seconds just There are just 120 to 230 adult panthers The federal court order also banned Beyoncé ($685 million) U2 ($675 million) after the ceremony had begun,” friendthe estimated to beworking living infor Florida. couple from any entity involved Jewel Roberson said. Family and friends in robocalling. The Justice Department says areMadoff now rallying behind director Beyoncé ($685 million) Victims Have Almost U2 ($675 million) the Palumbos continued toMae, operate their teof ECO Supportive Living, which assists lecoms repeated 94% businesses of Theirdespite Money Backwarninthat they facilitating fraud.through the gs elderly andwere those with disabilities.

The Madoff Victim Fundcalls. has “Everybody begun foreign-based “Johnnie Mae hasInternet suffered through so Paul Pierce 1998–2013 John Havlicek 1962–1978 its should final beround of payments to really happy to see the PalumOne NBA title, one NBA Finals MVP, 10-time Eight NBA titles, one NBA Finals MVP, 13-time much, ” says Roberson.

Nowto“she’s beenby Most other geysers seem be fueled NBA All-Star, one-time All-NBA second team NBA All-Star, four-time All-NBA first team, people scammed Bernie bo case because it’sinthe JusticeMadoff’s Department widowed and married in a 10-minute shallower reserves; deeper equals Ponzi scheme.

According to warma to treating carriers that don’t actively try er, that could be part a factor in release, Steamboat’s span. ” sofraud Justice Department news Dom stop as being of the fraud,” Alex Better weather forecasts: Google’s makes most faceDiMaggio coverings look an- wing lineup of products designed to Johnny Damon 4 Pieces of Life-Changing ability to propel water to heights of more $131.4 million forfeited by the US DeepMind artificial-intelligence Quilici, founder of robocall firmby cient by comparison.

Most other geysers seem toblocking be fueled deliver meaningful health and hygie-lab Tech Coming in 2025 has come up Dan withSong, a new model, YouMail, the Arizona Republic earlier than 300 told feet.

Michael Poland the government in connection withwith the ne benefits, ” said president shallower reserves; deeper equals warm“It’s seriously the saddest thing ever, ” Real Life Happy GenCast, that’s much more accurate year.

“It should the in worst of these scam will be sent to around 23,000 USGS earlier thisbe year said possible that The Gilmore LG PuriCareHears Wearable uses two of LG Electronics Home Appliance er,this so that could astop factor Steamboat’s Tricia Pugsley said.

She was it’s supposed to From Wall Street Journal is out with its to produce) calls from getting through over ” late The The victims worldwide.

With the time. latest increased snowfall in Yellowstone of H13 HEPA filters, which are the same &(and Air faster Solution Company.than ”At acurrent time ability to propel water toreception, heights ofbut moreannual Adam Sandler DJdistribution, the couple’s wedding list of “tech that will change forecasts.

It will be rolled to the Palumbos been ordered to the Justice Department has led tohaven’t more groundwater topay fuela fine the filters used in the company’s home when consumers are seekingout ways to than 300 feet.

Michael Poland with the your life” in the new year.

A few of public in the first few weeks of the “they went tothan thescientists hospital instead. ”most That’s or pay restitution to fraud victims, many of Forpurifier the record, his given name is make life safer and more convenient, said, more 40,000 victims, air products.

It allows users geyser.

What are saying is that newspaper’s picks for 2025: new year. earlier thisto year said it’s possible them elderly, are facing where Mae “had saythey goodbye to numeherthattheto ofUSGS them investors, will have Landon But theair, teenage breathGilmore. in clean, filtered accor- it’s important that we’re able to offer there’s nosmall linkthough between the increased activincreased snowfall inlooming Yellowstone of late rous civilany court claims related the scams. recovered almost 94% of theirtoeruption losses. ding to LG. The wearable isgoing equipped measurableIt’s value. ” Indiana golfer has been by solutions new husband. ” potential ity and of Artificial intelligence “agents”: The Crypto that for add everybody: been has led to more groundwater to fuel the with apredicts respiratory sensor that detects ”Happy Gilmore” since hethe was a getting increasingly easier to invest Yellowstone’s supervolcano.

“Yellowstone Journal this will be year LG Has Designed A Wearable geyser.

What scientists are saying is unthatwethe cycle and volume of the wearer’s The distributions “offsetsystem one of the it’s ergonomically designed see AI not just creating content, in says cryptocurrency, and with to the has an incredible geyser that is little kid because he can hit the LG A GoFundMe page raised Air Purifier For has Your Face more than breath, and it adjusts the dual threeminimize air leakage around the nose most monstrous financial crimes there’s no link between the increased activbut doing things—think ordering incoming administration being related to Mae magmatic activity—other than ball like the fictional player of $20,000 for andsaid the children C. the That cloth face speed fans accordingly, speeding chin, and itcrypto-friendly, can be comfortabever committed,” Richard other items for you, up or and particularly the itytheand any potential looming eruption offood magmatic system basically providing thator name in Adam Sandler’s 1996 mask covering couple shared.

Mae “always helps others; booking a trip.

Journal predicts that trend will only to assist air intake or slowing down ly worn for ”hours on end. ” It offers Breeden, the former SEC chairman Yellowstone’s supervolcano.

“Yellowstone heat,” face tweeted one volcanologist.

USA Tomovie, per the Indianapolis Star. and, yes, heof enters tournaments under your could continue.

“Bitcoin in is this is our time to help her, ” the page when exhaling to make breathing ea- eight hours battery life particular on the low who runs the MVF, per the BBC. day noted that the Waimangu Geyser in has an incredible geyser system that is unNow, the two have connected soon be a thing the moniker of Happy Gilmore.

One AI gadgets: Yes, AI has two different becoming more of a ‘normal’ part of sier, the company said. setting and two hours on high.

“We have brought of thousands reads.

Some are finding solace in New has tens managed toknowing shoot warelated topast. magmatic activity—other thanentries of theZealand LG in real life.list. After Gilmore on the The paper also key a risk-on portfolio for investor,” difference between reality andsays art: of victims to the greatest recovery that 48-year-old died on but what ter taller than Davis Steamboat has, it’swas been predicts has unveiled an the magmatic system basically providing gadgets from smartphones one investment adviser. announced commitment to There Gilmore playonhockey and can’t ”The PuriCarehis Wearable Air Purifier are doesn’t no details how much it we could achieve.” The fund, which evidently “theairhappiest day of his life, ” aTo-to golf speakers will addition get better withgroAI advanced pu- volcanologist. heat, ” tweeted one USA for Ball State University, is an exciting to our will sell for or when it will be released. even skate.

He has, however, mastered began compensating victims in This may even be the Read the whole list, which includes rifier mask friend said.

Another friend says she $4.3 hopes inintegration. day noted thatthat the Sandler took note on Twitter. the RI 5 2017, has handed outWaimangu more thanGeyser unique hockey-style tee Shop shotIn used year Meta brings the world smart “longevity tracking,” at the Wall the tragedy will has teachmanaged others care forwa- ”Go get em Happy,” Sandler by New Zealand to shoot Shop In RI 5 billion in compensation, CNNto reports.

Sandler in the movie. ”It never glasses.

Street Journal. themselves, including through annual Shop In RI 5 ter taller than Steamboat has, but it’s been wrote. ”Pulling for you.” Replied fails,” he says of fellow junior circuit

Top 4 Boston Celtics

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Hospitality Professionals: Take a Seat at the Table

by Farouk Rajab

President/CEO, Rhode Island Hospitality Association

The hospitality industry is a cornerstone of Rhode Island’s economy, employing tens of thousands of individuals, and contributing significantly to the state’s cultural and tourism identity. Yet, it is also one of the most heavily regulated and taxed industries in Farouk Rajab the country. Forcing those who run businesses in it to navigate a complex web of rules and requirements that influence every aspect of operations. In this environment, the need for active advocacy has never been more critical. As an industry, we must recognize the importance of being at the table when decisions that impact our future are being made. If we fail to participate in these conversations, the policies and regulations shaping our businesses may not reflect the realities we face every day.

The hospitality sector has always been uniquely vulnerable to external forces. Over the past few years, we have endured unprecedented challenges, from the pandemic and its ripple effects, to labor shortages, supply chain disruptions, and shifting consumer preferences. As we prepare for the policies and priorities of the next presidential administration, proposed measures, such as tariffs aimed at reshaping trade dynamics, could significantly impact the cost of goods, food, and essential supplies—further complicating our ability to operate sustainably. These challenges are compounded by a growing regulatory environment that directly affects everything from how we hire and train our teams to how we market and sustain our operations. These shifts underline the necessity for industry professionals to stay informed and engaged, both nationally and locally, to advocate for balanced solutions that safeguard businesses and communities alike.

Advocacy is not simply about protecting our own interests, it is about ensuring that the industry, as a whole, is heard, understood, and considered.

When legislators and policymakers make decisions without input from hospitality professionals, the 16 Shop In RI

resulting regulations often fail to account for the operational and financial realities of running a hospitality business. This can lead to unintended consequences that hinder innovation, stifle growth, and even threaten the survival of small businesses.

By participating in advocacy efforts, we have the chance to educate decision-makers about the vital role our industry plays in the state’s economy. and to offer solutions that promote both growth and sustainability.

The RI Hospitality Association leads the industry in uniting businesses to present a cohesive, impactful voice. Collective action is essential because individual voices, while important, are amplified when joined with others. Through RIHA, we have been able to make meaningful progress, whether it is advocating for workforce development programs, pushing for tax incentives to ease staffing challenges, or working with regulators to streamline compliance requirements. These victories demonstrate the power of engagement, and underscore why it is essential for more members to get involved.

Our industry has always been resilient, resourceful, and deeply connected to the communities we serve.

Advocacy is a natural extension of these qualities.

By engaging with legislators, participating in Association initiatives, and sharing our stories, we can influence policies that allow our businesses to grow. while preserving the unique character of Rhode Island’s hospitality landscape. The work we do in our restaurants, hotels, event spaces, and tourism businesses is about more than just profit; it is about building an industry that sustains livelihoods, fosters connections, and contributes to the vibrancy of our state.

Now is the time to step up. The challenges we face are significant, but so are the opportunities to make a difference. Advocacy ensures that our industry’s perspective is not only heard, but respected and acted upon. By taking a seat at the table, we help to create a brighter, more sustainable future for hospitality in Rhode Island. Together, we can ensure that our businesses continue to thrive and that our voices remain a powerful force for positive change.

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A: When you own term insurance, you pay a level premium for a defined period of time, such as 5, 10 or 20 years. During this period of time, the premiums are usually low compared to other types of insurance.

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However, premiums can increase • Grab n Go dramatically and can rise every year. Because of this, most people will Catering cancel the policy, as•there is no cash value to be paid out or they may purchase a new term period but at a higher because Street, of their age.Providence, RI 805rate Charles

401-861-7955 Q: Does Medicare pay for nursing home costs?

A: It depends. When a person needs short-term rehabilitation care that is not expected to last longer than 100 days, then Medicare does pay some or all of the costs associated with that care. Specifically, Medicare pays 100% of the costs for the first 20 days of stay at a nursing home. For the remaining 80 days (days 21-100), Medicare pays for all but $164.50 per day of the costs. Keep in mind that there are restrictions that need to be met for Medicare to pay for this care. he bigger problem, however, that may seniors face today is when care is needed over a long period of time. In those cases, Medicare does not pay anything towards the cost of the care, which means these expenses often need to be covered by the individual or family.

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Dynamic Thoughts By: Dr. Pete Dionisopoulos, PT, DPT It’s another new year, and the infamous New Year’s Resolutions come with that.

One of the top things people set their eyes on is to change their health and wellness for the coming year, but unfortunately, 23% of people quit their resolution by the end of the first week, and 43% quit by the end of January.

Most of this can be attributed to trying to obtain goals in days, making them nearly impossible to attain, thus the sudden drop-off.

If you have some goals to make your New Year a healthier one, then why don’t we start by building up to our goals, rather than changing all our behaviors at once?

For example, if you want to lose 20 lbs and exercise 4 days a week, but haven’t done any activity in years, it would be wise to try changing one thing first, before adding another. This would mean trying to fit exercise 1 day a week into the schedule for a couple of weeks, so it becomes a habit, then add another day, and once that’s a habit, you add another, and so on.

It may take two months to get there, but at least you’re making sustainable gains, and once that’s accomplished, you can use the same principle for your diet by eliminating and/or adding one thing at a time.

By the end of the year, you will be in a secondnature routine, and it won’t feel like a chore to keep building on it for the years to come, and you won’t have to restart with the same resolutions the following year.

If you want more 1-on-1 accountability and help to plan and stick with your goals, call or text us today!

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Serenity Massage

by Denise

By Alicia J. Alexander

Denise Young is the owner of Serenity Massage, located at 1243 Mineral Spring Avenue, North Providence, RI. With a career in the wellness and beauty industry since 2003, Denise brings extensive experience to her practice. After studying in Florida and returning to Rhode Island in 2021, she has established herself as a dedicated and attentive massage therapist.

Denise provides personalized services to her clients, including flexible scheduling and direct access via her cellphone.

Her offerings include Reflexology, Bamboo, Cupping, Hot Stone, Tranquility, Deep Tissue, Thai Massage, and Stretching. Denise is particularly skilled in addressing ailments, such as head and neck pain, and back problems, and providing prenatal foot massages for expectant mothers. Her commitment to excellence has been recognized with recent awards from the Voice of The Valley newspaper, where Serenity Massage was honored as the ‘Final Winner,’ surpassing competitors like Massage Envy.

Serenity Massage operates seven days a week, upholding its motto:

“We work together to make you better.”

To make an appointment, or to obtain more information, please contact Denise at: (386) 689-0592.

2067 Mineral Spring Ave, North Providence, RI 02911 Shop In RI 27

New Year, New Focus: Resetting Your Fitness Goals for Success

By: Stacie Venagro | World Miss Fitness America Pro

Small goals are the building blocks of your big aspirations.

They create a sense of progress and keep you consistent, which is key to success.

Examples of small goals:

The first of the year brings a fresh start - a chance to reflect, reset, and reimagine what’s possible. It’s the perfect time to revisit your fitness journey, and set meaningful goals to keep you motivated, all year long. Whether you’re aiming for big milestones or small, everyday wins, a balanced approach will set you up for lasting success.

• Walk 10,000 steps daily.

Step 1: Reflect on the Past Year

Step 4: Prioritize Consistency Over Perfection

Before jumping into new goals, take a moment to assess what worked (and what didn’t) last year. Did you enjoy certain workouts more than others? Did life get in the way of your routine? Use this insight to build a more effective plan.

Consistency is the secret to reaching any fitness goal.

Instead of striving for perfection, aim to show up for yourself regularly. Life happens, and missing a workout or indulging during a weekend, doesn’t mean failure. Reset and keep going.

Ask yourself:

Step 5: Make Fitness Fun

• What fitness accomplishments am I proud of?

The best goals are the ones you enjoy working toward.

Find activities that bring you joy—whether it’s hiking, yoga, spin classes, or playing a sport. Fitness doesn’t have to feel like a chore.

• What challenges held me back?

• How can I better align my goals with my lifestyle?

Step 2: Set Big Goals for Motivation Big goals keep you dreaming. They might include running a marathon, hitting a weightlifting milestone, or reaching a significant health benchmark. Big goals push you outside your comfort zone, and give you something exciting to work toward.

Examples of big goals: • Complete a half marathon by the summer.

• Lose 20 pounds over the next six months.

• Commit to exercising five days a week for the year.

While big goals are inspiring, they can also feel overwhelming, without a plan. That’s where small goals come in.

Step 3: Focus on Small, Achievable Goals 28 Shop In RI

• Add 5 pounds to your lifts every two weeks.

• Drink 8 cups of water each day.

• Attend one fitness class a week.

These incremental wins keep you motivated and reinforce the habits that lead to achieving your larger goals.

Step 6: Track Your Progress Regularly tracking your progress helps you stay motivated and adjust your plan, as needed. Use a journal, fitness app, or calendar, to log workouts, celebrate wins, and reflect on challenges.

Step 7: Celebrate Every Victory Big or small, every achievement deserves recognition.

Celebrate your first mile, your first 10 push-ups, or simply showing up for a workout on a tough day. These moments build confidence and momentum.

As you step into the new year, remember that fitness is a journey, not a sprint. The goals you set now are part of a larger story of health and wellness. Embrace the process, celebrate the small wins, and never stop challenging yourself.

This is your year to redefine what’s possible—one step, one rep, and one goal at a time. Let’s make it count!

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Why is eating healthy so hard?

By Susan Gazerro

I didn’t want to write the typical January article about a new year, a new you. I wanted to dig deeper into why people find it so hard to eat healthy or eat “clean.’ So, my research began.

Most people would say that to eat healthy we should add more fruits and vegetables to our diet. Eat less red meat and less processed foods. Cut back on the sugar. It sounds simple enough. Yet, Americans still struggle to follow a healthy diet, but why?

Heart disease remains the leading cause of death, and obesity rates have grown from 30.5% in 2000, to over 50%, today. Having a healthy diet can help combat both of these.

Yet, only an estimated 22% of Americans follow the American Heart Association’s dietary recommendations. I get it, unhealthy or “bad” foods taste so good, but the truth is, so do healthy or “good” foods. You have to make a conscious decision to want to change the way you eat. Eventually, you will

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love everything you eat. You will also love the way you look and feel.

So, I just answered part of the question of why people can’t stick to a healthy diet. The other reasons I believe people don’t eat healthy is because of misguided assumptions. As I just mentioned, people believe healthy foods aren’t tasty. Many still view healthy eating as being too restrictive, low fat, low calorie, low sugar. Then there are the perceptions that healthy foods are expensive, and recipes are complex.

If someone asks me to work with them, I ask them to write down everything they put in their mouth for one week. Everything, right down to a mint and a glass of water. We then can review dietary habits. I can then make suggestions as to what to cut out, what to add, and what they can keep.

We start with small changes. Don’t just change your diet completely. You won’t be successful if you do this. You will still see

the benefits, starting slow, and this is a good way to keep you on track. Change one or two things in your diet for a couple of weeks. Once it becomes a staple of your diet, or not in your diet, move on to another item, and repeat the process. For instance, if you drink soda three or four times per week, cut it back to twice a week, and drink a mixture of seltzer water and fresh squeezed juice the other days. If you have a sugary sweet treat every day, cut that back to a couple of times per week. Try adding a new vegetable to your diet. If you cut carbs and sugar back, you would be surprised at how much you can eat, lose weight, and become healthier. Good carbs are important, but even the good carbs should be limited. If I eat carbs, it is only for one meal. At meals I don’t eat carbs, I love what I eat, and I can eat as much as I want. It is also the preparation of the foods you may need/want to change.

When you find things you enjoy, you won’t miss the bad foods you gave up. I promise that these small changes will make you feel and look better. This will be an incentive to want to keep making changes.

There is an old saying: “Eat to live, don’t live to eat.”

Last tip I can give is to encourage a family member or friend to join you on this journey of eating healthier. It’s always easier doing something with a buddy. You can share or create recipes together. You can help motivate each other, and help each other stay on track.

I have mentioned in the past, there are good chips, good sweets, etc. You don’t have to give up everything. Even pizza. Pizza is a great lunch option because it has all your food groups in it. It will energize you, not make you sluggish, but you should limit it to one or two pieces. The problem is that most people, especially in this country, overeat!

There are many good food options. You just have to want it, and you have to make the effort to make the necessary changes. If you are too lazy to want to make these changes, remind yourself of this saying: “Eating healthy is expensive, but being sick is even more expensive.” Not only is it expensive, but being unhealthy could be fatal.

I often ask myself, why does it seem that some people are not interested in eating healthier, so as to feel and look better? Food should be enjoyed, but not indulged. Food should make us happy, not unhealthy.

“Came from a plant, eat it; was made in a plant, don’t.”

“When the diet is wrong, medicine is of no use. When diet is correct, medicine is of no need.”

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Alzheimer’s Association Wants Businesses to “Know the Signs” at Work

by Mark Berger Caring for loved ones as they age can be challenging. There are so many things to do, choices to make regarding medical appointments, medications, activities, sticking to schedules—and that is just for the primary caregiver navigating the disease. Family members need to ensure that adequate care is being provided - sometimes around the clock - so that any possible issues are addressed quickly and without delay.

Many caregivers of those with Alzheimer’s and other forms of dementia work hard to balance work with caring for a loved one.

Some say it is like having two fulltime jobs. There can be stressful calls – from the person living with dementia, from the place where they are living, from their doctors, from other family members.

Many companies may not understand what they can do to help their employees in the midst of caregiving. As 2025 opens, it makes sense to understand what to watch out for and how to react.

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The Alzheimer’s Association, Rhode Island Chapter is one resource available to offer support and services to those business owners who may find themselves struggling to figure this out.

They have programs that guide people through the maze, and give advice to further educate and inform them of potential solutions.

The Alzheimer’s Association, Rhode Island Chapter says that one of the first steps is teaching employees what to look for in their loved ones. Everyone has different behaviors that could mask something deeper. Therefore, it is important to understand what someone is dealing with before proceeding.

“When we promote a program in the business community, company representatives are always taken aback by how many of their employees are affected by this disease,” said Executive Director Donna McGowan. “When the education program is done, there is always a line of employees waiting to ask questions of our staff. We want people to

know that we are here to help, and that our services are free.”

Anyone who believes that Alzheimer’s disease is not prevalent in the workplace is not paying enough attention. It not only impacts productivity, it can harm morale between employer and employee.

According to the Alzheimer’s Association, 11 million Americans provide unpaid care to people living with Alzheimer’s and other forms of dementia. Nearly one in five people. either reduced their hours at work, or quit their job outright. Almost 60 percent of the workforce has had to leave work early or stay home to care for a loved one. Six percent retired from their jobs as a result of needing to give care fulltime.

Two-thirds of the caregivers in this country are women. Furthermore, two-thirds of those living with dementia are also women. Black African Americans and Hispanic/Latinos are at a greater risk of developing this disease.

McGowan said that people should not think they are alone in their fight. “We are here to be a viable option for anyone who needs help,” she said. “The Chapter remains active in the community to assist companies who aren’t sure where to turn. We want to be top-of-mind when something like this arises.”

Locally, there are 24,000 people living with Alzheimer’s in Rhode Island, and roughly 36,000 caregivers. Many of them happen to be unpaid family members. Education is key when it comes to this disease.

The Alzheimer’s Association, Rhode Island Chapter can present a class on “Know the 10 Signs” or “Understanding Alzheimer’s and Dementia” to your company. Anyone may find that starting a support group during the day at lunch, for example, may be helpful for employees who are caregiving.

The customized programs presented by the Rhode Island Chapter staff offer the latest information on Alzheimer’s care for business leaders.”

“In FY 2024, the RI Chapter hosted 14 caregiver support groups each month, and held 108 educational/awareness programs in Rhode Island, serving all five counties in the state,” said McGowan.

Anyone interested in this or other programs should visit their website at https://www.alz.org/ri/helping_you/educational-programs.

Serving all of Rhode Island, the Alzheimer’s Association, Rhode Island Chapter is here to help. They provide education and support to all those facing Alzheimer’s and other dementias throughout our community, including those living with the disease, caregivers, health care professionals, and families. The organization also commits itself to advocating for the needs and rights of those facing Alzheimer’s disease, and advancing critical research toward methods of treatment, prevention, and ultimately, a cure.

You can call their toll-free 24/7 Helpline at any time of the day or night, at 1-800-272-3900.

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Which IRA Is Right for Me?

By Carrie McPherson Individual Retirement Accounts (IRAs) are recognized as one of the most attractive retirement savings vehicles available to investors. IRAs allow investors to save and grow money in a tax-advantaged account. Utilizing a retirement savings vehicle like this can greatly enhance your long-term financial prosperity, but deciding which type of IRA is right for your investment goals can be a challenge. Here are answers to common questions around this important topic.

1. What types of IRAs should I consider?

At its most basic level, there are two types of IRAs – traditional and Roth IRAs. The biggest difference between the two is the tax treatment of contributions and distributions.

Contributions are the process by which an investor puts money into an account, and a distribution is the process of taking that money out.

2. How does a traditional IRA work?

Contributions With a traditional IRA, you either make after-tax contributions or (if you qualify and choose to do so), tax-deductible contributions. If you are not covered by a retirement plan at work, your contributions can be fully deducted from income tax. If you or your spouse are covered by a plan, income limits apply. To claim a full deduction on 2024 taxes, a single person can’t earn more than $77,000, and a married person filing a joint return can’t earn more than $123,000.

Distributions Money held in a traditional IRA grows on a tax-deferred basis, a characteristic that allows your money to grow faster.

However, when withdrawals are taken, all earnings are subject to tax at your applicable ordinary income tax rate in the year of the withdrawal. If you claimed a tax deduction at the time you made contributions to your IRA, those too are subject to tax. With some exceptions, withdrawals before age 59-1/2 also may incur an early distribution penalty. One important note is that traditional IRAs are subject to required minimum distribution (RMD) rules, which define the age at which an investor must begin to take money out of the account. Under current law, distributions must begin by April 1, in the year after reaching age 73, and continue every year, thereafter.

3.) How does a Roth IRA work?

Contributions All Roth IRA contributions are made with after-tax dollars that grow tax-free, until you start making withdrawals.

However, income limits apply that determine whether you qualify to make full Roth IRA contributions. In 2024, the ability for single individuals to make full Roth IRA contributions is phased out if income is higher than $146,000. For married couples filing a joint return, you cannot make a full Roth IRA contribution if gross income is more than $230,000.

Distributions If a five-year holding period requirement is met, all distributions (contributions and earnings) after age 591/2 are eligible for tax-free treatment. In addition, RMD rules do not apply to Roth IRAs.

4.) How much can I contribute to IRAs? In 2024, you can contribute up to $7,000 ($8,000 for those age 50 and older), or up to 100% of earned income, whichever is less. This is the maximum contribution amount for both traditional and Roth IRAs, for the year.

Note that contributions can’t exceed 100% of your earned income if you earn less than the limits stated above. Also, these limits apply to total IRA contributions for the year. This is applicable, even if you hold multiple IRAs or make contributions to both Roth IRAs and traditional IRAs.

5.) Which IRA is right for me?

The answer is different for everybody. Determining how much to set aside for retirement and in what types of savings vehicles is best determined through careful planning. A financial professional can help you understand which account is best suited to meet your longterm financial goals.

Carrie A. McPherson, CRPS®, CDFA®, ChSNC® is a Financial Advisor and Certified Divorce Financial Analyst with Park Row Wealth Advisors, a financial advisory practice of Ameriprise Financial Services, Inc. in Providence, RI. She specializes in fee based financial planning and asset management strategies and has been in practice for 15 years.

Please contact her at: https://www.ameripriseadvisors.com/team/ park-row-wealth-advisors or (401)824-2557, 1 Citizens Plaza Ste 610 Providence, RI 02903.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2024 Ameriprise Financial, Inc. All rights reserved.

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Client Focused, Results Driven!

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A Division of For over 70 years Esten & Richard has been helping clients with their insurance needs. They provide all types of Business and Personal insurance programs.

“Our goal is to continue to provide our customers with the best insurance coverage and service possible in order to protect their assets and therefore to secure their financial well-being, “ advised Frank Richard, President of the Esten & Richard Agency.

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How to Get the Most Out of Passive Income in Your Portfolio By: Edward Pontarelli Jr. Passive income is broadly defined as money that comes from investments, rather than employment wages.

Examples include dividend income generated by stock investments or rental income derived from property you own. Passive income can play an important role in helping to meet day-to-day expenses and to accumulate wealth for retirement.

According to research from Ameriprise Financial, 40% of investors across multiple generations have some form of passive income, and more than two-thirds (77%) of investors say passive income is important or very important to their retirement strategy.

Having more than one source of income to draw from can be a powerful way to hedge against risk, and ensure you have the means to cover your expenses. This is particularly true for retirees, who no longer earn a traditional income and need to recreate their paycheck.

Five primary ways to generate passive income Passive income can originate from a variety of sources.

Here are five ways to generate passive income that may be a fit for your financial portfolio: #1 – Dividend-paying stocks and mutual funds or ETFs Stocks that generate competitive dividend yields are a prime source of passive income. If choosing individual stocks, pay attention to their track record. Companies with a history of raising dividend payouts consistently over time may offer the best, long-term opportunity.

You can also find mutual funds or ETFs that emphasize dividend-paying stocks. #2 – Bonds and bond index funds or ETFs Investing in bonds is another way to generate income. Even if you are in the accumulation stage of life, bond income can play an important role in helping you build wealth. Not only do bonds offer a way to diversify a stock portfolio, but in today’s market, bond yields are increasingly attractive. Consider that at the end of 2021, the yield on the benchmark 10-year Treasury note was 1.52%. At the end of August 2023, the yield was more than 4%. Bond funds and ETFs are generally offering more competitive payouts today, as well. #3 – Cash instruments Like bonds, cash-equivalent vehicles, such as money market funds and certain certificates of deposit and bank savings accounts, pay more attractive yields today.

This is in line with changes to the yield environment in the broader bond market. Money put to work in this way generally has the added benefit of protection of principal value. Not only can you earn competitive returns, but you do so in a relatively safe manner. #4 – Rental property Some people choose to own property, such as houses or apartments, rent them out and use the income to buffer their nest egg. While this is considered a passive

investment, there may still be some sweat equity and ongoing costs involved in maintaining properties and attracting and managing tenants. You’ll also want to pay close attention to the state of the real estate market where you invest in properties. Ideally, these properties will appreciate in value over time. #5 – Real estate investment trusts (REITs) If the idea of generating income from owning properties appeals to you, but you don’t feel prepared to tackle the challenge of direct ownership, REITs offer an alternative. REITs are professionally managed like mutual funds, with money invested in properties such as office buildings, apartment complexes, retail spaces, warehouses, or hotels. Those who invest in REITs, primarily benefit from the income stream generated by the properties held. REITs are subject to market risk and various fees, and dividends are taxed as regular income. Evaluate any investment options carefully to understand how it may impact your situation.

Work within your overall plan Passive income is most effective when the investment strategy is implemented within the context of your overall financial plan (with the plan itself designed according to your unique goals, timeframe to achieve them, and level of financial risk you want to accept along the way). Work with your financial advisor to determine how best to incorporate passive income strategies. A professional can discuss the advantages and drawbacks of the strategies above in more detail, and point you to other options not listed here. And as a final tip, keep in mind that while passive is in the name, you should regularly review your passive income strategy to make sure it’s helping you achieve your financial goals.

Edward Pontarelli Jr, APMA®, CRPC® is a Financial Advisor and Managing Director with Park Row Wealth Advisors a financial advisory practice of Ameriprise Financial Services, Inc. in Providence, RI. He specializes in fee based financial planning and asset management strategies and has been in practice for 23 years.

Please contact him at: www.ameripriseadvisors.com/team/park-row-wealth-advisors or (401)824-2532, 1 Citizens Plaza Ste 610 Providence, RI 02903.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC., a registered investment adviser.

Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2024 Ameriprise Financial, Inc. All rights reserved.

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44Shop ShopIn InRI RI 44

visit Rhode Island’s largestHovey window Meet Come The Dream Team: David

treatment showroom ... or usTeam, bring the As for joining Thelet Dream Dave said that Gosetti, saw his work first-hand, showroom tomember, you,Steve with ouratFREE stemming from a project the latter’s home.

From that interaction, Steve invited Dave to attend shop-at-home a meeting.

Despite being there service. a short time,

Each month, Shop in RI Magazine profiles one member of “The Dream Team,” a weekly networking group that meets in Smithfield. This month, we feature David Hovey of Think Clean, Think Green Air Duct Cleaning in Chepachet.

Dave started his company 15 years ago, but it was far from planned.

While his family are adept at working for themselves, he wasn’t sure if he would forge a similar path. Circumstances beyond his control shaped his future.

“I worked for another air duct company, but I was only there for a short time, before we parted ways.

From what I learned and acquired during that time, I decided to start my own business,” Dave said.

He works throughout Southern New England (as far north as Fall River, MA, and as far south as Woodstock, CT), cleaning everything from dryer ducts to forced hot air ducts. He has clients in both residential and commercial endeavors. What sets him apart is getting to know his clients first.

Dave feels that he is there to make friends, more so than simply making a sale.

With the winter in full swing, Dave suggests checking the air flow, and watching for signs that the ducts may need to be serviced.

(since September), he enjoys the camaraderie of the group.

“The energy from a group of 20-plus people is such a positive vibe in the morning,” he said.

“Normally, you might see that with only one or two people.”

Information about Dave and his services may be available by calling him, either by cell phone at 401-524-4741, or through his business phone at 401-568-1066.

“The Dream Team” currently has 26 members and is growing. They meet every Wednesday morning from 7:00 AM to 8:30 AM, at the Home2Suites Hilton on Douglas Pike (Rte. 7) in Smithfield, across from Laura’s Bar and Grill. The group is looking to grow its team and is interested in meeting professionals from various businesses, looking to connect and help each other grow through referral business. The Dream Team is all about “Friends helping Friends.”

Further information about the group may be found by contacting either President Rocco Elgar at 401-265-0857, or at therockhbi@msn.com, or Vice President Tim Richard at 401-766-4200, or at tim@estenandrichardinsurance.com.

“If the heat comes on and dust comes out of the vent, then there is a good chance it needs to be cleaned out. Dryers are often a source of buildup, and should be cleared of debris, so they run efficiently and don’t become possible fire hazards,” he said.

ShopIn InRI RI45 45 Shop Shop In RI 45

Be A “Good Neighbor” This Year RI Good Neighbor Energy Fund seeks to help families in need of energy assistance.

By: Mark Berger

people throughout its 38-year history and wants to continue assisting as many people as possible.”

The new year is here! Out with the old and in with the new, including hopes for a healthy, prosperous 2025. But as the New England region gets colder, some are hoping simply for a helping hand.

Despite the flip of the calendar, many households in the Ocean State will find it challenging to pay their monthly bills. They should not have to make a choice each month of whether to buy food, clothing, or pay their utilities. However, that is the harsh reality they face at a time when the prices of essential items are high.

Thankfully, the Rhode Island Good Neighbor Energy Fund (GNEF) has been a resource for nearly four decades for those households in temporary crisis and in need of home energy assistance. Administered through United Way of Rhode Island, the program is a cooperative effort between the sponsoring energy companies in the state, their customers, and the corporate community. It provides warmth to households in need, who do not qualify for federal or state assistance, but still need help getting through a rough time.

“People go through unexpected crises, such as the loss of a job, a divorce, or a medical issue that affects their financial situation,” said David Hughes, a member of the RI Good Neighbor Energy Fund committee. “We encourage people to learn more about the Fund, and to apply for assistance if they qualify. The Fund has helped tens of thousands of

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Anyone interested in applying for assistance through the Fund should visit their local Community Action Program, or CAP office.

There, those in need, will be able to complete an application, attach the required documents, and submit it for consideration. There is no deadline to file, and assistance is awarded based on need and available funding. The program is usually open throughout the winter and into the late spring and early summer, when it also can provide assistance with home cooling expenses.

Rhode Islanders with questions regarding how to locate or connect with their local CAP office are encouraged to call United Way’s 211 helpline, which is free and available 24/7. The 211 helpline can also help residents determine their eligibility for the Fund.

According to Courtney Smith, United Way of Rhode Island’s Director of Innovation and Community Outreach, applicants cannot exceed 300 percent of the federal poverty level, based on the size of their household. As an example, a family of four could not make more than $90,400 in household income annually. Those guidelines, and a lot more information about the Fund, can be found by visiting rhodeislandgoodneighbor.org.

Rhode Island Energy, and RISEC. Since its inception, the Good Neighbor Energy Fund has distributed more than $16 million to help 48,000 households throughout Rhode Island.

Ways for the community to help.

The Rhode Island Good Neighbor Energy Fund seeks donations in any amount to help “Warm Thy Neighbor,” especially during these colder months. There are several opportunities for anyone to help: Place your donation in the yellow GNEF envelope provided in your utility bill or scan the QR code found on the envelope; text WARM to 91999 to have a debit or credit card donation form sent to your phone; or donate online at rhodeislandgoodneighbor.org.

Another potential benefit for families in crisis is the possibility they qualify for additional programs.

“Anyone who is applying for heating relief may also be eligible for SNAP (food insecurity), health insurance, child care credits, and other services,” Smith said.

“The GNEF funds are not granted to families directly, but rather the local CAP agency assists with the payment of the bill by sending the grant directly to the household’s energy provider. Grants are usually around $600 to $800 for the season, per family.”

Again, there is no deadline to apply, but financial assistance may be limited based on the number of applications received and the amount of money available through the program. If you have questions about the Good Neighbor Energy Fund, do not hesitate to call United Way at 211.

Hughes said that the grant money is not limited to energy sources. He noted that in addition to oil, electric, and gas, households using propane, kerosene, or wood are also eligible for the Fund.

The Fund is sponsored by the following energy companies: Block Island Utility District, Ocean State Power, Pascoag Utility District, Petro Home Services,

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“Adding Life to Years” Gala Raises Over $100,000 to Support The Loft at Linn Sets new fundraising record in 53-year history of Aldersbridge Communities

By Mark Berger

Aldersbridge Communities, a non-profit healthcare organization based in East Providence that operates affordable independent living, assisted living, and memory care communities for older adults throughout Rhode Island, announces its annual fundraising event raised a recordbreaking $112,000 to support The Loft at Linn, a new affordable assisted living memory care community which opened this past summer in East Providence.

The 2024 “Adding Life to Years” Gala Presented

by Moss Home Solutions took place on December 5, 2024 at the Crowne Plaza Hotel in Warwick hosting 200 guests. The theme for this year’s event was “Cherishing Memories of the Heart,” honoring the treasured memories and lasting contributions of the elders in our community.

Through the generosity of sponsors, attendees, and proceeds from auctions and other fundraising initiatives, Aldersbridge surpassed its monetary goal, ensuring critical resources for The Loft at Linn’s memory care programs, operations, staff development, and resident enrichment.

“We’re incredibly grateful for the generosity shown at this year’s Gala, which reflects our community’s deep commitment to supporting older adults – especially those who are living with cognitive or dementia

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WPRI/Fox Providence videographer J.P. Smollins; WPRI/Fox Providence anchor and gala honorary chair Mike Montecalvo; Aldersbridge Communities Director of Development, Public Affairs & Philanthropy Elise Strom; and WPRI/Fox Providence meteorologist and gala emcee T.J. DelSanto

diagnoses,” states Elise Strom, Aldersbridge Communities director of development, public affairs, and philanthropy. “As a nonprofit, we rely heavily on the funds raised to enable us to provide specialized activities, staff training, and other programs at The Loft at Linn.”

Mike Montecalvo, anchor at WPRI/Fox Providence, served as honorary chair for the event, while WPRI Meteorologist T.J. Del Santo emceed the evening’s program.

Jason C. Preciphs, Esq. (Foster resident) and Dr. Jun O. Parks (Princeton, Mass. Resident) were each honored with an AldersHero award for their pivotal contributions to the success of The Loft at Linn to date. Preciphs, an Aldersbridge Communities trustee since 2014 and former Board president, played a key role in securing critical funding for the community’s initial development. Dr. Parks was recognized for her efforts to medically evaluate the residents of Linn Health nursing home before it closed its doors for good, to determine their ability to remain there when the building was reopened as a memory care assisted living home.

“Aldersbridge has never experienced a fundraising event like this one,” says Rick Gamache, MS, FACHCA, CEO of Aldersbridge Communities.

“We’ve raised more money than ever before in our 53-year history. We’ve truly made history together. The mission of Aldersbridge was on full display, and the love and generosity in the room were palpable. People were deeply moved by who we are and what we do, and this outpouring of support will have a lasting impact on the lives of those we serve.”

Key sponsors for Aldersbridge Communities 2024 “Adding Life to Years” Gala were as follows: DIAMOND SPONSORS: Starkweather & Shepley Insurance Brokerage, Inc. and Joy Home Care; SAPPHIRE SPONSORS: BayCoast Bank and Imperial Distributors; SPECIAL RECOGNITION: Waterson Terminal Services (in honor of Tom Cannarozzo).

Aldersbridge Communities AldersHeroes award winner Jason C. Preciphs and Rick Gamache, CEO of Aldersbridge Communities.

Established in 1971, Aldersbridge Communities is a nonprofit healthcare organization that cares for the most vulnerable older adults regardless of payer source. It is the largest provider of affordable assisted living in the State of Rhode Island.

Residents enjoy living in comfort, dignity and with purpose at one of Aldersbridge’s four communities: Winslow Gardens (assisted and independent living in East Providence), The Loft at Linn (assisted living memory care in East Providence), Arbor Hill Assisted Living (Federal Hill section of Providence), and St. Germain Assisted Living (Woonsocket).

WPRI/Fox Providence meteorologist and gala emcee T.J. DelSanto; Aldersbridge Communities CEO Rick Gamache; and Beth Moss and CJ Moss, owners of Moss Home Solutions

Their main office is located on 40 Irving Ave, East Providence. Inquiries may be made during normal business hours by calling 401438-4456. Additionally, anyone interested in learning more may visit their website at Aldersbridge.org.

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Happy 2025! Plan a Year of Organizational Excellence for Your Business Alicia J. Alexander, MSL

Founder of Make A Difference Consulting Alicia J. Alexander, MSL, is the Founder of Make A Difference Consulting in Pawtucket, RI. Ms. Alexander is an Expert in Organizational Excellence, and a Certified Facilitator of The 5 Languages of Appreciation In The Workplace. She is also an authority on Neuroscience and Authentic Appreciation. Ms. Alexander is a published author on the topic of Organizational Development and Change, in the collegiate journal of the International Society of Development and Change, and a co-author of The Book On Forgiveness. She holds a Master of Science in Leadership from Grand Canyon University, and is pursuing a Doctor of Education degree in Organizational Leadership, with an emphasis on Organizational Development (qualitative research).

Ms. Alexander resides with her family in Pawtucket, RI.

organizations adopt forward-thinking strategies that empower their teams, and ensure long-term success through Organizational Excellence.

Organizational Excellence is not just about operational efficiency or financial performance, it is about creating an ecosystem where employees feel seen, heard, and valued. It is employee advocacy in its purest form, where the principles of Neuroleadership and Neuromanagement play a pivotal role.

Neuroleadership and Neuromanagement: The Foundations of Success At the heart of Neuroleadership lies the understanding of how our brains influence behavior, decision-making, and interpersonal dynamics. By leveraging the science of the brain, leaders can create environments that foster trust, enhance collaboration, and minimize workplace stress. Imagine a workplace where every individual feels psychologically safe to share ideas and take risks—that’s the power of Neuroleadership.

There was an air of anticipation and a sense of newness, as the clock struck midnight on December 31, 2024, and we usherer in a brandnew year, with the excitement of endless possibilities. For leaders and organizations alike, 2025 represents not just another year, but an opportunity to reset, refocus, and reignite purpose. At Make A Difference Consulting, we are ready to partner with corporate decision-makers, to elevate workplace cultures, guided by our mission of fostering Organizational Excellence, through Neuroleadership, Neuromanagement, and Authentic Appreciation.

Neuromanagement takes this one step further, applying these insights to everyday organizational operations. It’s about managing, not just tasks, but the people behind them, understanding what motivates each team member, and designing systems that align with their natural strengths.

A Vision Rooted in Excellence

Authentic Appreciation: The Catalyst for Transformation

Our vision is simple, yet profound: to create workplaces where employees thrive, innovation flourishes, and organizational goals are consistently exceeded. In a world of rapid change, this vision calls for leadership that prioritizes clarity, emotional intelligence, and genuine human connection. As we step into 2025, we aim to help 54 54Shop ShopIn InRI RI

In 2025, we encourage leaders to move beyond traditional management styles and embrace neuroscience-backed approaches to build teams that are not just productive, but also deeply engaged.

As we reflect on the challenges and successes of the past year, one lesson stands out: employees who feel genuinely appreciated are more likely to stay, perform, and contribute meaningfully.

Authentic Appreciation is about recognizing the unique contributions of each individual, not

as a transactional gesture, but as a heartfelt acknowledgment of their value.

Our ASK principle: Ask, Seek, and Knock serves as a guide for fostering this culture of appreciation: Ask your employees what matters most to them.

Seek opportunities to celebrate their achievements.

Knock on the door of possibility by creating avenues for growth and development.

In 2025, we challenge organizations to weave appreciation into the fabric of their cultures.

Appreciation should not be reserved for annual reviews or special occasions but should be an everyday practice that strengthens relationships and fuels collective progress.

Setting the Tone for 2025 The start of a new year is the perfect time for organizations to realign their goals, and redefine their strategies. Here are three resolutions we believe every leader should adopt in 2025: 1. Prioritize People Over Processes While processes are essential for operational success, they should never overshadow the people who drive them. Invest in professional development, provide mental health support, and create policies that promote work-life balance.

2. Cultivate a Culture of Curiosity Encourage innovation by fostering an environment, where curiosity is celebrated. Challenge your team to ask questions, explore new ideas, and embrace continuous learning.

3. Commit to Measurable Growth Excellence requires intentionality. Set clear, measurable goals for your team, and regularly evaluate progress. Whether it’s improving employee satisfaction scores, or increasing diversity in leadership roles, make 2025, the year of actionable change.

Make A Difference Consulting: Your Partner in Organizational Excellence At Make A Difference Consulting, we understand that transforming workplace culture is a journey, not a destination. That’s why we offer tailored solutions that align with your unique challenges and aspirations. Through coaching, workshops, and strategic planning, we empower leaders to embrace the principles of Employee Advocacy through Neuroleadership, Neuromanagement, and Authentic Appreciation.

As a business owner dedicated to driving meaningful change, I am passionate about building partnerships that make a difference, not just for organizations, but for the individuals who power them. 2025 holds the promise of new beginnings, and together, we can create workplaces, where everyone feels empowered to contribute their best.

Looking Ahead With Hope and Determination This new year, let’s commit to excellence, one intentional step at a time. Let’s prioritize people, celebrate achievements, and cultivate a culture where everyone can thrive. At Make A Difference Consulting, we are here to guide you every step of the way.

Here’s to a year of growth, gratitude, and greatness.

Together, we can make 2025 unforgettable.

Happy New Year!

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Ask An Expert

DRYLOK

My name is Tom Lopatosky. I’m the President of LOPCO Contracting (www.

LopcoContracting.com) & I’m honored to have the opportunity to talk to you about home improvement on a monthly basis. I love answering your questions! Please send them to tom@LopcoContracting.com or call 401-270-2664. Thanks in advance for taking the time to read this column!

DRYLOK is a type of paint designed to keep water from coming through surfaces like walls and floors. It’s called a waterproofing paint because it creates a barrier that stops water from seeping in. People often use DRYLOK in basements, garages, or other places where they want to prevent water damage.

DRYLOK is not just regular paint. It’s made with special ingredients that give it the ability to seal surfaces and protect them from moisture. Unlike normal paint, which just sits on top of a surface, DRYLOK actually soaks into tiny holes and cracks in the wall or floor. This creates a seal that helps keep water out. DRYLOK is available in different colors, but white and gray are the most common. Some versions also come with extra features like mildew resistance, which is helpful in damp areas.

Water damage can cause a lot of problems. When water seeps into your walls or floors, it can lead to mold growth, which is harmful to your health. Mold can make the air in your home unhealthy to breathe, and can cause allergies and asthma to get worse. Water damage can also weaken the structure of your home, leading to costly repairs. By using DRYLOK, you can protect your home from these problems.

Using DRYLOK is a fairly simple process, but it requires some preparation.

Here’s how you can do it: Prepare the Surface: Before applying DRYLOK, make sure the surface is clean and dry. If there’s any dirt, dust, or loose paint, clean it off first. If there are any cracks or holes, fill them with a patching compound, and let it dry. This will ensure that DRYLOK can properly bond with the surface.

Apply DRYLOK: Once the surface is ready, you can start applying DRYLOK. You can use a brush, roller, or sprayer to apply it. For best results, start with a brush to get into any cracks or crevices, then use a roller to cover larger areas.

Make sure to apply it evenly, and don’t forget to cover the edges and corners.

Apply a Second Coat: After the first coat has dried, usually in 2-3 hours, you should apply a second coat.

This will ensure that the surface is completely sealed. The second coat should be applied in the opposite direction of the first coat (for example, if you applied the first coat vertically, apply the second coat horizontally). This helps to make sure that no spots are missed.

Let it Dry: Once you’ve applied the second coat, let the DRYLOK dry completely. This usually takes about 24 hours. During this time, make sure the area is wellventilated, so the paint can dry properly.

Check for Leaks: After DRYLOK has dried, check for any signs of leaks. If you find any damp spots, apply another coat of DRYLOK to those areas. It’s important to make sure the surface is fully sealed.

DRYLOK is most commonly used in basements and garages because these areas are often prone to water problems. However, it can also be used on other surfaces like concrete, brick, and masonry. Some people even use DRYLOK on the inside of planters or water fountains to keep them from leaking.

DRYLOK is a useful product for anyone looking to protect their home from water damage. By creating a waterproof barrier, it helps keep your home safe from mold, mildew, and structural damage. Whether you’re working in a basement, garage, or any other area that needs protection from moisture, DRYLOK is a reliable solution. With proper preparation and application, DRYLOK can help keep your home dry and safe for years to come.

About Tom Lopatosky Tom Lopatosky has run his own RI-based painting and repair business since 1995; LOPCO Contracting – the “Personable, Particular Professionals” – specializes in exterior & interior painting and carpentry. Recently LOPCO Contracting was named ‘RI’s Finest Painting Contracting Company’ by ShopInRI Magazine. In 2013, Tom was named “Humanitarian of the Year” by the Painting and Decorating Contractors of America (PDCA) and a “40 Under 40” award winner by Providence Business News. He is a member of both PCA (Painting Contractors Association) and RIBA (Rhode Island Builders Association). Tom has often had weekly ‘Home Improvement Tips’ that have aired on the radio on 630 WPRO AM and on television on WPRI 12. You can catch Tom LIVE on the radio EVERY Saturday, 2pm-3pm, on 630 WPRO AM (99.7 FM) during his weekly ProTalk Home Improvement Radio Show!

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Baccala Has Been RI’s Foundation For 110 Years By: Paul Lonardo

If someone said that Baccala Concrete helped build Rhode Island into what it is today, they would not be wrong. Baccala Concrete Corporation has been providing large volumes of high-quality ready-mix concrete, along with a host of other professional services, to the local construction industry since 1915. Structures we see every day across the state were built

by Baccala, and the corporation continues to pour its concrete into new construction and renovation projects, reshaping the everchanging landscapes throughout our cities and the suburbs alike.

Many consider Baccala to be the area’s best source for quality concrete. Over more than a century of operating in Rhode Island, Baccala Concrete has earned a well-deserved reputation for quality workmanship. Together, with an experienced management team, a commitment to excellence, a large fleet of modern front discharge trucks, and a team of professional drivers, it’s not surprising that Baccala Concrete

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Corporation is the leading concrete supplier in the state.

Their services include providing not only ready mixed concrete, but concrete forms, flatwork, full excavation, and a site preparation department to can get any project off the ground. They also supply concrete blocks of all sizes for retaining walls, clean fill material, and sand and stone of various sizes. Their clients include everyone from privates homeowners to million dollar corporate structures that are home to large companies such as Fidelity Investments, Twin River Casino, Water Place Park, Carpionato Properties, FM Global, CVS Corporate, G-Tech, and others.

Being a family-run business after all these years is a great source of pride, according to Jay Baccala, the President of Baccala Concrete Corporation.

The concrete company left its mark creating numerous sports complexes in our public schools and our colleges and universities. Just as Baccala was there for the construction of the former

Before McCoy Stadium in Pawtucket, they are also involved in the Tidewater Landing development project which includes a 10,500-seat soccerspecific stadium currently under construction in Pawtucket. Once completed in the spring of 2025, Tidewater Landing Stadium will be home to Rhode Island FC, a member of the USL Championship.

Baccala Concrete is committed to the safety and sustainability of the environment, and recently underwent an Environmental Product Declaration (EPD) evaluation, which provides transparent, standardized data about their product’s environmental footprint.

After What they do lasts a long time, and the owners of Baccala Concrete want to make sure they are doing all they can to maintain the environment for the next generation.

Baccala Concrete can accommodate needs of any size to Rhode Islanders, as well as neighboring communities on our borders, serving customers from their two locations, one at 100 Armento Street in Johnston, and at 260 Dry Bridge Road in North Kingstown.

For estimates and other inquiries, call them in Johnston at 401-231-8300, and in North Kingstown at 401-268-3940.

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The Most Popular New Year’s Resolutions and Why They Often Fail • Paying off debt • Sticking to a budget

Building Better Relationships • Spending more time with family and friends • Improving communication skills • Resolving conflicts

Developing New Skills or Hobbies • Learning a new language • Picking up a creative pursuit like painting or music As the calendar flips to a new year, millions of people around the world embrace the opportunity for a fresh start. New Year’s resolutions, those promises we make to ourselves, often symbolize hope and the desire for self-improvement. From adopting healthier lifestyles to achieving financial stability, resolutions can be as varied as the people who make them.

However, statistics reveal a sobering truth: most resolutions don’t last beyond February. Why is it so hard to stick to these well-intentioned goals? Let’s explore the most popular New Year’s resolutions and the common reasons they fail.

• Enrolling in educational courses

Breaking Bad Habits • Quitting smoking • Reducing alcohol consumption • Cutting down on screen time

The Most Popular New Year’s Resolutions

Contributing to Society

While resolutions can be deeply personal, certain themes consistently rank among the most common year after year.

These include:

• Volunteering more

Improving Physical Health

• Donating to charities

• Losing weight

These resolutions reflect universal aspirations: to be healthier, happier, and more connected to others.

• Exercising regularly

Why People Struggle to Stick to Resolutions

• Eating healthier

Boosting Mental Well-being • Reducing stress • Practicing mindfulness or meditation • Prioritizing self-care

Achieving Financial Goals • Saving money 62 Shop In RI

• Supporting environmental causes

Despite their popularity, most New Year’s resolutions are abandoned within weeks. Understanding the reasons behind this trend can help individuals set themselves up for greater success.

Setting Unrealistic Goals: Many resolutions fail because they are overly ambitious or vague. For example, declaring, “I will lose 50 pounds in three months” sets an unattainable target. When progress is slower than expected, people often feel discouraged and give up.

Solution: Break goals into smaller, measurable steps.

Instead of aiming to lose 50 pounds, set a goal to lose 1-2 pounds per week by adopting specific habits like walking 30 minutes daily and reducing sugar intake.

Lack of a Clear Plan Resolutions often fail because they lack a roadmap. Saying, “I want to save money” without outlining how much, by when, and through what means makes the goal harder to achieve.

Solution: Create a detailed action plan. For saving money, decide on a monthly savings target and automate deposits into a dedicated account.

Relying on Motivation Alone Motivation can be fleeting.

While the initial excitement of a new goal provides a burst of energy, it often wanes when faced with challenges or routines.

Solution: Develop discipline and habits. Pair motivation with consistent actions, such as scheduling workouts in advance or setting recurring calendar reminders.

All-or-Nothing Thinking People often abandon resolutions after a single misstep. For instance, someone aiming to eat healthier might give up entirely after indulging in a cheat meal.

Solution: Embrace flexibility. Understand that setbacks are normal and don’t define the overall journey. Adjust your approach and keep moving forward.

External Pressure Resolutions made to please others or conform to societal expectations lack personal meaning, making them harder to sustain.

Solution: Choose goals that resonate personally. Reflect on why the resolution matters to you and how it aligns with your values.

Overwhelming Lifestyle Changes Attempting to overhaul multiple aspects of life at once can be overwhelming. For example, trying to quit smoking, start exercising, and adopt a new diet simultaneously can lead to burnout.

Solution: Focus on one change at a time. Build momentum by achieving smaller successes before tackling additional goals.

Lack of Accountability Without accountability, it’s easy to procrastinate or lose focus. Goals pursued in isolation are less likely to be maintained.

Solution: Share your goals with a friend, join a group with similar aspirations, or work with a coach. Regular checkins can provide motivation and keep you on track.

Neglecting Underlying Issues Resolutions addressing symptoms rather than root causes are often unsustainable.

For instance, resolving to “reduce stress” without addressing the sources of stress—such as overwork or unhealthy relationships—limits long-term success.

Solution: Identify and tackle underlying challenges. If stress stems from work, consider time management techniques or discuss workload adjustments with your employer.

Strategies for Success Making resolutions stick requires a thoughtful approach. Here are some strategies to increase the likelihood of success: Start Small Big changes take time. Focus on incremental progress rather than immediate transformation. For example, start exercising twice a week instead of committing to a daily workout.

Make Goals Specific and Measurable Vague resolutions are harder to track. Instead of saying, “I want to be healthier,” specify, “I will eat at least five servings of fruits and vegetables daily.”

Track Progress Regularly Monitoring progress reinforces commitment. Use apps, journals, or spreadsheets to record achievements and identify areas for improvement.

Celebrate Small Wins Recognize and reward yourself for milestones along the way. Celebrating small victories boosts morale and reinforces positive behavior.

Anticipate Obstacles Prepare for challenges by identifying potential barriers and developing strategies to overcome them. For instance, if time constraints hinder exercise, explore shorter workout options or incorporate physical activity into daily routines.

Stay Flexible Life is unpredictable, and rigid plans can falter.

Adapt goals as needed without abandoning them altogether.

Seek Support Surround yourself with people who encourage your efforts. Whether it’s a workout buddy, a mentor, or an online community, support systems can make a significant difference.

New Year’s resolutions embody our hopes for a better future, yet their success depends on how they’re approached. By understanding common pitfalls and adopting realistic, wellplanned strategies, it’s possible to turn resolutions into lasting habits. Remember, meaningful change doesn’t happen overnight. It’s the small, consistent steps that lead to big transformations. So as you set your goals for the year ahead, focus on progress rather than perfection, and you’ll be well on your way to success.

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DO NOT ATTEMPT TO CLEAN THIS ON YOUR OWN. A hot pan left unattended on the stove started a fire that not only destroyed the kitchen pictured above, but also spread toxic smoke, sticky soot, and other residues throughout every room in the house. A furnace puffback at another property belched smoke and soot throughout the home via its air duct system, coating walls, ceilings, floors — just about everything inside — with oily, black grime.

Almost as bad as the flames from a fire, smoke, soot, and other toxic residue left behind by these types of property disasters need to be cleaned away quickly before even more damaging effects can develop.

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HR Compliance: A Critical Responsibility for Small Businesses By Mark Berger

By Mark Berger Navigating HR compliance is an essential, yet, complex aspect of managing a small business. With employment laws constantly evolving, small business owners face the challenge of ensuring their practices align with federal, state, and local regulations.

Failure to comply can result in legal actions, financial penalties, and reputational harm. By focusing on key compliance areas, small businesses can create a positive workplace and safeguard their success.

Patty Lyons-Bousquet, President and Founder of CompLyons HR Consulting LLC in East Providence, has some key points for business owners, as a new administration in Washington, D.C. takes over in January 2025.

Key HR Compliance Concerns for Small Businesses.

Small businesses must address a broad spectrum of HR compliance issues to protect both their employees and operations. Critical areas of focus include: Preventing Discrimination in Hiring Employers must avoid bias based on race, gender, age, religion, disability, and other protected classes in job postings, applications, and interviews. Adhering to Equal Employment Opportunity (EEO) guidelines helps create a fair and inclusive hiring process.

Addressing Workplace Harassment Policies should explicitly prohibit sexual harassment, bullying, and other forms of harassment. Establishing clear reporting and resolution procedures empowers employees to voice concerns and ensures accountability.

Determining FLSA Classification Properly classifying employees as exempt or nonexempt under the Fair Labor Standards Act (FLSA) is essential to ensure compliance with federal wage and hour laws. Incorrect classifications can result in unpaid overtime, back wages, and penalties. Regular audits of job duties and classifications help mitigate this risk.

Correctly Classifying Workers Beyond FLSA classifications, accurately identifying workers as employees or independent contractors, is critical to be in compliance with tax and labor laws.

Misclassification can lead to significant financial and legal consequences, including penalties and back taxes.

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Patty Lyons-Bousquet, President and Founder of CompLyons HR Consulting

Ensuring Wage and Hour Compliance Businesses must meet minimum wage requirements, accurately calculate overtime pay, and maintain proper payroll records. Ensuring adherence to both federal and state regulations minimizes the risk of non-compliance.

Administering Benefits Compliance with rules regarding health insurance, retirement plans, and other benefits requires attention to eligibility, enrollment, and reporting standards.

Understanding the intricacies of laws such as the Affordable Care Act (ACA) is crucial.

Providing Appropriate Leave Understanding and adhering to laws like the Family and Medical Leave Act (FMLA), and state-mandated paid sick leave is critical to avoiding legal disputes.

Employers should ensure that their leave policies reflect these regulations, and communicate them effectively to employees.

Training Employees Ongoing education on anti-harassment policies, workplace safety, and data security helps prevent compliance issues before they arise. Training not only fosters a respectful workplace, but also reduces liability.

Maintaining Records Proper documentation of time and attendance, payroll, hiring decisions, and other employment records are essential for audits and legal defense.

Digital tools can simplify record keeping and improve accuracy.

Keeping Up with Changing Laws Employment regulations differ by jurisdiction, and evolve frequently, requiring constant vigilance.

Partnering with HR professionals or subscribing to legal update services can help businesses stay ahead of changes.

Lyons-Bousquet said that there will likely be changes coming from local, state, and federal agencies. Not becoming familiar with them can lead to serious issues moving forward.

“Significant changes often accompany a new administration, but this is no reason to overlook or delay addressing new regulations,” Lyons-Bousquet emphasized. “These rules are designed to safeguard organizations from legal risks and potential penalties, making their implementation and enforcement essential.”

The Consequences of Non-Compliance Neglecting HR compliance can have serious repercussions for small businesses: Litigation Discrimination, harassment, or wrongful termination claims can lead to costly and lengthy legal battles. Even if a business prevails, the associated legal fees and disruptions can be significant.

Fines and Penalties Violations of labor laws often result in financial penalties from regulatory agencies. These fines can strain a small business’s resources and disrupt operations.

requirements. Topics like anti-harassment, workplace safety, and diversity are especially critical.

Utilize HR Technology Tools for recordkeeping, payroll, and compliance tracking streamline operations and reduce errors.

Many platforms offer automated updates to reflect changing regulations, minimizing administrative burdens.

Monitor Compliance Updates

Non-compliance undermines employee morale, and tarnishes the company’s public image. In a competitive market, maintaining a positive reputation is key to attracting and retaining talent.

Staying informed about changes in employment laws at all levels is critical to maintaining compliance.

Subscribing to industry newsletters or leveraging the expertise of an HR consultant can help.

Staying current with the changes will prevent many unnecessary headaches for employers and employees alike.

Strategies for Managing HR Compliance

A Path to Success

To effectively manage compliance and mitigate risks, small businesses should adopt proactive measures:

HR compliance may seem overwhelming, but it’s a manageable and necessary component of running a successful small business. By prioritizing these critical areas, business owners can protect their teams, avoid costly pitfalls, and focus on growth and innovation.

Investing in HR compliance today, ensures a thriving, resilient business tomorrow. Compliance is not just about avoiding risks, it’s about fostering a positive workplace culture, enhancing employee satisfaction, and building a solid foundation for long-term success.

Reputational Damage

Develop Clear HR Policies A comprehensive employee handbook should detail antiharassment policies, leave and benefits’ provisions, and other essential workplace guidelines. Clear policies help set expectations, and provide a framework for consistent decision-making.

Consult HR/Legal Professionals Employment laws can be complex and nuanced.

Partnering with HR and legal experts ensures policies and practices are compliant. Regular consultations can help businesses navigate unique or challenging situations.

Implement Employee Training Regular training sessions help employees and managers stay informed about workplace expectations and legal

“I am here to be a resource for any company that is in need of human resources strategies and services,” Lyons-Bousquet said. “It can be difficult to know what priorities need to happen first. I look forward to scheduling time to discuss any concerns business owners have.”

Anyone interested in learning more about Patty Lyons-Bousquet may contact her at Patty@ CompLyonsHR.com, at her office, at 401-5265966, or directly, at 401-489-6560. Further details may be obtained by visiting her website, at www.

CompLyonsHR.com.

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New Year, New Vehicle, at Toyota of Smithfield

By Mark Berger Located on the George Washington Highway, near the Lincoln/ Smithfield line, Toyota of Smithfield has new and certified, preowned vehicles ready for purchase.

Regardless of which type of vehicle you want, their knowledgeable staff will ensure that your car purchase occurs smoothly.

General Manager John Durrani says that anyone looking for their next automobile should connect with their award-winning sales department to find dealer incentives.

“Anyone trading in either their used or certified, pre-owned cars, will receive an additional $1,000 over book value,” Durrani said.

“There won’t be a better time for anyone to trade in their cars.

Your trade is worth more than it ever has before, and it’s worth more now than it will ever be worth,” he continued.

For those who already either own or lease their vehicle, customers should visit their award-winning service department to keep their vehicles motoring. Their staff can diagnose the small problems, before they become very expensive ones.

With reduced inventory, Durrani said that they also want any available used cars. He explained that there are several Toyota incentives to move someone from their older car into a newer one.

“We want the public to drive in with their used vehicles. Right now, we need more inventory to fulfill orders,” Durrani said.

To help facilitate their need for additional certified, pre-owned vehicles, Toyota of Smithfield also offers 115% of its book value for any used cars. It doesn’t matter whether or not the customer plans on buying from them.

“We will purchase your trade-in, even if you don’t buy a vehicle from us,” Durrani added.

The dealership holds a monthly private sale. This month’s event is scheduled for Friday, January 24, and Saturday, January 25, from 10:00 AM until 6:00 PM, by appointment only. Attendees will have access to their inventory. Managers will be there to answer questions and offer additional incentives.

The Dealership’s Peace of Mind Purchase Process means no hassles over pricing, trade-in values, cash back and rebate incentives offered up front, and the best available leasing and financing terms also offered up front. Durrani said that this is just part of the all-around, customer-driven experience he implemented to ensure the process does not get bogged down in miscommunication.

Schedule an appointment by calling them 401-723-0962, or visit their website at www.toyotaofsmithfield.com.

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What’s Up With That?

An international survey found that 32% of people say they need more rest than the average person, while 10% think they need less.

WHAT’S UP WITH THAT? During 1918, the Spanish Flu killed more people than World War I—40 percent of the world’s population contracted the illness.

WHAT’S UP WITH THAT? From 1908 to 1940, Americans could purchase a house from a Sears mail-order catalog.

WHAT’S UP WITH THAT? Starchy foods, like chips and crackers, give you cavities faster than candy does.

WHAT’S UP WITH THAT?

Of the 12 people who have walked on the moon, 11 were Boy Scouts.

WHAT’S UP WITH THAT?

Due to the extreme stress imposed by cities, urban animals are slowly becoming different species than their rural relatives.

WHAT’S UP WITH THAT? The area under your eyes appears darker because the skin is thinner there and doesn’t have as much fat as other parts of your face.

WHAT’S UP WITH THAT? “Holland” is actually just the name of one of the provinces in The Netherlands, not the name of the whole country.

WHAT’S UP WITH THAT? According to a study, the brain’s biological clock stimulates thirst in the hours before bedtime to prevent dehydration during sleep.

WHAT’S UP WITH THAT?

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The 1890s

When Cars Literally Ran On Water it generated certainly helped to advertise their product. The brothers produced twohundred more “steamers” before selling the design rights to a now defunct automaker called Locomobile.

Do automobiles that run on water really exist?

By Jim Ignasher Urban legends abound of cars that can run on water, or of special carburetors that can allow a hundred miles per gallon, but such technology is allegedly being suppressed by car manufacturers and oil companies. Could such rumors actually be true? One may wonder once they learn that water driven and electric automobiles were actually designed, and produced, more than a hundred years ago! It’s true! Furthermore, some of these ancient automobiles have survived; not hidden under a tarpaulin in some secret warehouse, but displayed in plain sight for all to see.

The idea of a water driven personal vehicle has been around since the early 1800s. Take for example the steam engine which has powered machinery, ships, and railroad locomotives. It therefore seemed logical to brothers Francis and Freelan Stanley to build a steam powered automobile – in 1897!

This was the dawn of the auto industry, when inventors were designing and experimenting with cars of their own manufacture. The Stanley’s were among the first auto builders in America, ahead of Henry Ford, Louis Chevrolet, and Walter Chrysler, just to name a few. To prove the reliability and durability of their new invention, Freelan Stanley, in 1899, drove one of their steam powered cars to the top of Mount Washington thus becoming the first to scale the mountain in an automobile.

This was a momentous technological feat for the day, and the publicity 70 Shop In RI

In 1902 the Stanley brothers re-organized and formed the Stanley Motor Carriage Company, in Newton, Massachusetts, and began producing more advanced models of “steamers”. The “Stanley Steamer”, as it became known, used a gasoline burner to convert water to steam which powered a steam engine of Stanley’s design. The boiler was equipped with release valves in the event of excessive pressure buildup as well as other safety features to protect the vehicle’s occupants from a catastrophic malfunction.

Early gasoline powered cars puttered and plodded along at maximum speeds of 15 to 35 miles per hour, but not so with a Stanley. In 1906, a Stanley Steamer drove 127 mph on a closed track in Florida thus setting a world speed record for the mile in an automobile – 28.2 seconds.

Stanleys weren’t the only steam cars produced in the early 1900s and dozens of other manufacturers came and went. Locally there was the Binney & Burnham Steam Car Co. of Boston (1901 – 1902); the Central Automobile Co. of Providence, (1905-1906): the Crompton Motor Carriage Co. of Worcester, (1903-1905): the Kidder Motor Vehicle Co. of New Haven, (1900 -1901); the J. A. Moncrieff Co. of Pawtucket, (1901-1902); the Thompson Automobile Co. of Providence, (1906), just to name a few.

Stanley’s closest competition came from the White Steam Car Company of Cleveland, Ohio. It could be argued that a White was slightly more technologically advanced than a Stanley as their automobiles were the first to utilize condensers to recover steam exhaust to recycle the water vapor. White also advertised their cars as being larger and more luxurious than a Stanley. The wheelbase of a White was 122 inches which translates to 10.16 feet – much larger than an average car on the road today.

While some inventors worked to develop steam

technology, others focused on electric powered automobiles. One might be surprised to learn that European inventors had been working on the concept as early as the 1830s.

The Larz Anderson Auto Museum in Brookline, Massachusetts, has two “electrics” in their collection; a1905 Electromobile, and a 1908 Bailey Electric.

The first successful electric automobile produced in the United States was built by William Morrison, of Des Moines, Iowa – in 1891!

Electromobile’s were produced in England from 1901 to 1920, therefore making this car a rarity for America.

The Milburn Wagon Company of Toledo, Ohio, produced the “Milburn Light Electric”, an automobile that ran solely by batteries which made for a virtually silent running car. Milburn’s “electrics” were utilized by President Woodrow Wilson and the secret service during his term of office (1912 – 1920), but generally only for parades.

Bailey Electrics were produced in Amesbury, Massachusetts, from 1908 to 1916. In January of 1914, a Bailey was driven from Boston to New York, and then on to Chicago while maintaining average speeds between 17 and 21.5 mph. The feat is even more amazing when one considers that most roads of that era were unpaved, and unplowed!

Milburn “electrics” were less costly then “streamers” but they had their drawbacks such as a maximum travel range of seventy-five miles, and a maximum speed of only 20 mph. However, unlike today’s hybrid electrics, Milburn’s were not small runabouts, but full-sized well appointed cars of the day.

By the 1920s public interest in “steamers” and “electrics” had waned due to technological improvements to the gasoline powered internalcombustion engine that made it more powerful and reliable. A major improvement was the invention of the electric starter, thereby eliminating the old way of hand-cranking a motor to get it to start which was cumbersome as well as dangerous.

By the 1920s fuel was cheap and plentiful, unlike a decade earlier when finding a gas station was a problem for the average automobile traveler.

Perhaps the biggest factor which led to the demise of “steamers” and “electrics” was their price. In 1909 a White steam car sold for $4,000, while a Ford touring car sold for $850. By 1915 the price of a Ford had dropped to $440.

The wealthy who could afford to purchase a “steamer” could also afford other high-end, flashy brands of gasoline powered automobiles such as Stutz, Packard, and Franklin, just to cite a few.

Thus the White and Stanley companies went out of business in 1918 and 1924 respectively.

Examples of these “futuristic” automobiles have survived and can be found at museums and in private collections across the country. In Sandwich, Massachusetts, there is the Heritage Museum and Gardens. Among the museum’s extensive antique automobile collection one will see a 1909 White, a 1911 Stanley, and a 1915 Milburn Light Electric.

Since World War II, automakers and independent inventors have experimented with electric cars, but “steamer” technology has been virtually ignored. One concern with steamers was the lack of a way to quickly regulate boiler temperature, but one would think that with today’s computer and refrigeration technology that this would be an easy problem to solve. Another drawback was the lag time between lighting the boiler and waiting for enough steam pressure to build before the vehicle could move, yet it would seem that modern technology could solve this problem too.

Electric automobiles built between 1900 and 1920 were hindered by limited battery power storage capacity which limited travel distance, a problem that still plagues modern “electrics”.

It is for this reason that some maintain that electric “charging stations” will be required in the future. However, many gasoline powered cars produced prior to 1955 had generators, not alternators, that kept a consistent charge on the vehicle’s battery. Could something along this line make charging stations unnecessary?

And what about the legendary secret carburetor rumored to give a car one-hundred miles to a gallon of gas? There are those who believe that if the United States has the technology to put a man on the moon and send exploratory craft to Mars, that surely engineers must have the ability to develop such a carburetor. However, it would seem that such a device, if it actually exists, would be unnecessary if steam and electric technology from the early 1900s could be updated, and possibly combined, for the new millennium.

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