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Oh What Fun - Holiday Celebration / Jingle Mingle 2025

12/15/2025

Thank you to all our Sponsors and attendees who celebrated with us at the lobster Pot on Tuesday, Dec 9, 2025
Sponsored by: BankNewport, DeVine & Associates, Farmer & Vining, PC., CPA's, Navigant Credit Union, Southcoast Health, Washington Trust,
A.N. Nunes Agency, Centreville Bank, Chaffee Roofing, MG Commercial , Phil's Propane, Slepkow, Slepkow & Associates
3G Painting & Coatings, John Andrade Insurance Agency, Magnetic Seal, LLC, Senator Linda Ujifusa, Shomari Lewis Engel & Volkers, Time the Plumber, Inc

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ICYMI: Open House at Clements Marketplace located at 1150 Hope St., in Bristol

12/8/2025

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https://www.clementsmarket.com/www.clementsmarket.com/

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Fun at the Frosty Scramble - Bristol Golf Park

12/8/2025

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Alway's a great time at the Bristol Golf Park, 96 Broadcommon Road, Bristol, RI 02809
www.bristolgolfpark.com

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BUSINESS FOR SALE: GLOBALLY RECOGNIZED RUBBER DYNAMIC TESTING MACHINERY WITH EXCLUSIVE ASTM TEST METHOD, GROWTH INDUSTRY

12/4/2025

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Brand Name (Yerzley Oscillograph) globally known over half a century, sold and well respected in the rubber industry with exclusive ASTM D945-22 Test Method along with ASTM D5992-96 Test Method.
AYO-IV and DMYO-V are two models of these Dynamic Mechanical Rubber Testing Machines, with unique operation characteristic of "Free Oscillation" as described in test methods ASTM D945-22 (exclusive method depicting Tavdi Company, Inc. as the sole manufacturer of these test machines globally) and ASTM D5992-96.
These machines assist rubber compounding and molding/forming technicians and engineers. Markets include, automotive, construction, seismic, vibration isolation, defense, aerospace, marine, medical prosthesis, nuclear waste sealing, etc.
Customer list includes well established entities, such as U.S. Navy, Caterpillar, General Dynamics, NASA/Marshall Space Flight Ctr, etc.
Currently there are two models manufactured and sold in the global markets, namely AYO-IV and DMYO-V. Both of these models are designed based on "Free Oscillation Mode" as defined in ASTM D5992 test method(s). A significant modification in this design can be incorporated to extend the application range of the model DMYO-V. Such a modification may include a linear motor to induce "Forced Oscillation Mode" along the axis of compression or shear and a triangulating laser sensor to pick up the displacement without any friction. This model can be named as "Free and Forced Oscillation Dynamic Mechanical Analyzer" and will cover a much wider marketing area and strategy.
The global market size for dynamic testing machines is estimated around 620 million USD with a CAGR (Compounded Annual Growth Rate) of around 5.7%.
Tavdi currently has designed and manufactured two models of Dynamic Mechanical Yerzley Oscillographs that fully comply with the ASTM D945-22 test method, namely AYO-IV and DMYO-V.
AYO-IV has a list price of 42,000.- USD and COGS (Cost of Goods) of around 12,000.- USD along with a direct labor of $5,000.- USD. This yields a gross profit of 25,000.- USD with a profit margin 60 %. This model is being replaced by DMYO-V, where Model V has more features and costs less to produce.
DMYO-V has a list price of 62,000.- USD and COGS of around 10,000.- USD along with a direct labor of 5,000.- USD. This yields a gross profit of 47,000.- USD with a profit margin of 76 %.
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ASKING FOR:
TOTAL OF 180,000.- USD
CURRENTLY THERE ARE (2) MACHINES READY FOR SALE, NAMELY (1) AYO-IV WITH LIST PRICE OF 42,000.- USD AND (1) DMYO-V WITH LIST PRICE OF 62,000.- USD. THESE MACHINES ARE IN OUR INVENTORY. ALSO, PROPRIETY SOFTWARE FOR OPERATIONAL PURPOSES ALONG WITH A VARIETY OF TOOLS AND INSTRUMENTS.
THE KEY PERSONNEL OF THE CURRENT ORGANIZATION WILL ASSIST THE KEY PERSONNEL OF THE NEW ENTITY FOR A PERIOD OF 6 MONTHS FROM THE DATE OF SIGNING THE SALES CONTRACT ON A PART-TIME BASIS (NOT TO EXCEED 40 HOURS PER MONTH FOR 6 MONTHS).
FOR ANY EXTENSION OF THIS ASSISTANCE PERIOD, THERE WILL BE A STIPEND EQUAL TO 2,000.- USD PER MAN DAY TO BE PAID TO THE INDIVIDUALS, WHO DIRECTLY OFFER THOSE SERVICES.

CONTACT: ISMAIL SALTUK; Ph.D.
E-MAIL: [email protected];
PHONE: +1-401-996-3955 (M- USA)
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Smart Ways to Lower Insurance Costs — Without Sacrificing Protection

12/1/2025

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Cutting insurance costs doesn’t have to mean cutting protection. The smartest savings come from matching coverage to your real risk, taking advantage of discounts, and investing in loss prevention.

Here are practical ways to lower premiums on auto, homeowners, and dwelling fire (landlord) policies—without leaving yourself exposed.

General Strategies That Work Across Policies

Shop around every 1–3 years. Compare quotes from independent agents and direct insurers. Markets change, and underwriting appetite shifts by ZIP code and property type.
Bundle policies. Car + home (or landlord) with the same insurer often earns 10–25% off.
Raise deductibles intentionally. Higher deductibles reduce premiums, but only if you keep a dedicated emergency fund to cover that amount.
Pay in full or set up EFT/autopay. Many carriers give small discounts on reduced billing costs.
Group, employer or “club” savings (i.e. AAA, BJ’s, AARP) can offer additional savings
Keep a clean claims record. Small and nuisance claims can trigger surcharges for 3–5 years; paying minor losses out of pocket may be less expensive in the long term.
Maintain good credit. In most states, insurers use credit-based insurance scores that materially affect rates.
Ask your agent to conduct a discount audit annually. Carriers add new discounts and telematics programs regularly.

Auto insurance Policies

Right-size physical damage coverage:
- For older cars with low market value, consider dropping collision and possibly comprehensive if the annual premium approaches the car’s value. Keep liability strong.
- Check rental reimbursement and towing—remove if you can self-insure those costs. If you have AAA, remove the towing from your auto insurance, it is duplicate coverage. Most carriers now use towing claims as a “frequency” claim, meaning you use your insurance frequently even for a small towing loss.
- Increase deductibles on collision/comprehensive. Liability coverage doesn’t have a deductible and is the most important protection for your assets.
- Use telematics/usage-based programs. Telematics refers to the technology that collects and transmits data about your driving habits, such as speed, mileage, and braking, to an insurer. This data is used to create usage-based insurance policies. Safe driving, low mileage, and gentle braking can earn substantial credits.
- Reduce rated mileage and drivers accurately. Update when a teen leaves for college without a car or when your commute changes.
Stack discounts:
- Defensive driving courses (especially for older drivers) and driver training for teens
- Good student and distant student
- Multi-vehicle, anti-theft devices, daytime running lights
Keep limits where they matter:
- Maintain high bodily injury liability limits and add umbrella coverage if you have assets or high-income exposure.
- Uninsured/underinsured motorist coverage protects you from others’ low limits—don’t skimp here.
- Medical payments/PIP options vary by state—coordinate with your health insurance to avoid overlap.

Homeowners Insurance (Owner-occupied)

Focus on mitigation to earn credits and prevent claims:
- Upgrade roofs to impact-resistant materials; in wind/hail areas, get a wind mitigation inspection.
- Install central-station fire/burglar alarms, monitored smoke/CO detectors, and water leak sensors or an automatic shutoff valve.
- Update plumbing, electrical, and heating; insurers price older systems higher due to loss frequency.
Verify replacement cost is accurate. Over-insuring wastes money; under-insuring triggers coinsurance penalties. Ask for a fresh replacement-cost estimate, especially after renovations.
Choose deductibles strategically:
- All-peril deductibles can go higher for savings.
- In some regions, wind/hail or hurricane deductibles are separate; know your exposure and savings.
Review endorsements:
- Only schedule high-value items (jewelry, art) that truly need it; remove outdated schedules.
- Add water/ sewer backup if you need it—claims are common and not covered by base policies, but balance limit and cost carefully.
Capture discounts:
- New home or recent roof/wiring/plumbing updates
- Gated community, deadbolts, fire extinguishers
- Claim-free longevity
Don’t cut these corners:
- Additional Living Expense (loss of use) is vital after a covered loss.
- Ordinance or law coverage pays for code-required upgrades during repairs—cheap and valuable.
- Liability limits should be robust; consider an umbrella.

Dwelling Fire/Landlord Policies

Choose the right form:

DP-1 (basic), DP-2 (broad), DP-3 (special). DP-3 with replacement cost is often cost-effective for long-term protection; DP-1 looks cheaper but pays less and more often leads to disputes.
Insure to replacement cost and add Loss of Rents. Under-insuring can devastate cash flow after a claim.
Raise deductibles and consider separate wind/hail deductibles where applicable to reduce premiums.
Strengthen underwriting profile to earn better rates:
- Hardwired, interconnected smoke detectors; multiple fire extinguishers; no space heaters.
- Modernized roof, electrical (no knob-and-tube or aluminum wiring), and plumbing.

Risk management that saves money long term:

Require tenant renters’ insurance with liability naming you as additional interest, this way, you are notified as the property owner if their insurance lapses.
Require a minimum of $500,000 liability insurance for renters, their renter’s insurance is very inexpensive, but important to carry. Renters insurance can run from $60 to $300 a year or more depending on the personal property limits one carries.
Professional property management and documented inspections reduce claim frequency.
Screen tenants carefully; lower-risk occupancy reduces losses and improves insurability.
Landlord liability matters. Don’t skimp on premises liability or medical payments.

Smart Shopping Checklist to Use with your Agent

Confirm all eligible discounts and programs (bundle, telematics, alarms, new roof, updates).
Recalculate replacement cost and review limits annually.
Adjust deductibles in line with your emergency fund.
Remove low-value add-ons you can self-insure (towing, small scheduled items).
Verify exclusions by peril (flood/earthquake are separate policies) and decide if you need coverage.
Compare total cost of risk, not just premium: likelihood of claims, deductible impact, and your ability to absorb losses.
Purchase Umbrella Liability coverage, this is a buffer to pay for liability damages in excess of or not covered by your underlying primary insurance. This policy also provides world-wide coverage and is worth every penny you pay

Bottom line: Sustain coverage where losses can be catastrophic—liability, replacement cost, and income protection—and trim where you can afford to self-insure small, predictable costs. Pair smart shopping with loss prevention, and your premiums will reflect lower risk.

As a fellow East Bay Chamber member, I can help. I offer free educational seminars for all insurance types and help find low-cost solutions for your employees. The seminar provides valuable information on how to save money on continuously rising insurance costs, ensuring proper insurance coverage is maintained, and solutions to an unpredictable market.

Fast, friendly, and free! Let me do the shopping for you. Free side-by-side comparisons from top carriers. Start at Jennifer Bergeron - Cranston, RI Insurance Agent | Comparion or call 401-824-1106 or 401-575-6568 cell.

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Oh What Fun - Holiday Celebration / Jingle Mingle 2025

ICYMI: Open House at Clements Marketplace located at 1150 Hope St., in Bristol

Fun at the Frosty Scramble - Bristol Golf Park

BUSINESS FOR SALE: GLOBALLY RECOGNIZED RUBBER DYNAMIC TESTING MACHINERY WITH EXCLUSIVE ASTM TEST METHOD, GROWTH INDUSTRY

Smart Ways to Lower Insurance Costs — Without Sacrificing Protection

General Strategies That Work Across Policies

Auto insurance Policies

Homeowners Insurance (Owner-occupied)

Dwelling Fire/Landlord Policies

Smart Shopping Checklist to Use with your Agent

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