Science Fair Projects

Easy Science Fair Projects

LittleBinsForLittleHands.com | By Sarah McClellan | January 23, 2023 | Science Fair | Shield Insurance

ELEMENTARY SCIENCE FAIR PROJECT IDEAS

When it comes to science fair projects, it can be difficult to help your kids find balance. Too often, kids want to take on something that takes TOO much time and resources! While other kids may go for projects that have been done time and time again, and provide little to no challenge for them. Ta, da… Introducing our list of easy science fair projects with simple tips to help make your kid’s science fair project a big success this year!

HOW TO CHOOSE A SCIENCE FAIR PROJECT

We know that you are looking for a fast and easy science fair project that is also cool! Below you will find simple tips for how to choose the best science fair project, as well as some unique and super easy science fair project ideas.

These science fair projects really don’t require a ton of supplies. Most can be completed with items you can find around the house. Instead, you will find interesting and fun ideas that are suitable for kindergarten, to elementary, and older.

BONUS RESOURCES

Make sure to read up on the engineering design processscientific method for kids and the best science and engineering practices explained. These processes of asking questions, collecting data, communicating results etc. will be invaluable as a framework for a science fair project.

START WITH A QUESTION

Science fair projects are at their core problem-based learning. You start with a great question that attempts to solve a problem.  The best questions can’t be answered just by searching for answers online but rather with experiments and results.

Effective questions include questions asking about causes and effects. For example, “What effect does changing how often I water have on plant growth?”

Questions that focus on causes and effects make for realistic and achievable science fair projects and lead to tangible and easy-to-interpret results.

EXAMPLES OF QUESTION-BASED SCIENCE FAIR PROJECTS

WHY DOES A VOLCANO ERUPT?

The homemade volcano science fair project is a classic baking soda and vinegar chemistry demonstration that simulates an erupting volcano. While a real volcano doesn’t erupt in this manner, the chemical reaction makes an appealing demonstration that can further be explained in the results and conclusion phase. This is both a question and research-based project!

WHAT MILK IS BEST FOR THE MAGIC MILK EXPERIMENT?

Turn this magic milk activity into an easy science fair project by investigating what happens when you change the type of milk used.  Explore other varieties of milk including reduced-fat milk, heavy cream, and even non-dairy milk!

HOW DOES WATER AFFECT SEED GERMINATION?

Turn this seed germination jar into an easy science fair project by exploring what happens to seed growth when you change the amount of water used.  Set up several seed germination jars to observe and record growth, depending on how much water you add to each jar.

Read on for more great Science Fair ideas


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Fun Valentine's Day Facts

30 Fun Valentine’s Day Facts That Will Surprise You

Including the history behind Valentine’s holiday.

Goodhousekeeping.com | BY CAMERON JENKINS | UPDATED: JAN 12, 2023 | Valentines Day | Shield

When you start to think of Valentine’s Day, you may envision gorgeous flower bouquets, heart-shaped balloons, tons of sweet treats, and sentimental cards that are sure to make you blush. But have you ever stopped to think about how this tradition of celebrating love on February 14 came to be? Look no further than our list of interesting and fun Valentine’s Day facts to inform you and your loved ones about the history behind why this special day of love is celebrated.

While some of these little-known truths about the holiday may be expected, like how much Americans spend on the perfect V-Day gift or when the very first Valentine’s message was sent, others are more unusual. In fact, some of the earlier customs associated with the holiday were not romantic at all, but instead focused on fertility and included sacrificing animals. (We know, the complete opposite of a lovey-dovey grand gesture.)

Regardless of how much or how little you already know about the most loving day of the year, these factoids are sure to come in handy as an icebreaker for your Valentine’s Day party and will definitely give you the upper hand at any Galentine’s Day trivia night.


1. St. Valentine wasn’t just one person.

You may already know that Valentine’s Day was named after its patron saint, St. Valentine — but there’s actually some confusion surrounding which St. Valentine the holiday technically honors. According to History.com, there are at least two men named Valentine that could’ve inspired the holiday, including one Valentine who was a priest in third century Rome. As the story goes, this Valentine defied Emperor Claudius II’s ban on marriage (he thought it distracted young soldiers), illegally marrying couples in the spirit of love until he was caught and sentenced to death.

Another legend suggests that Valentine was killed for attempting to help Christians escape prison in Rome, and that he actually sent the first “valentine” message himself while imprisoned, writing a letter signed “From your Valentine.”

2. Valentine’s Day has its roots in an ancient Pagan festival.

Though some historians believe that Valentine’s Day commemorates the death of St. Valentine on February 14, others believe that the holiday actually has its origins in a Pagan fertility festival called “Lupercalia,” which was celebrated on February 15 in ancient Rome. Dedicated to Faunus, the Roman god of agriculture, and Roman founders Romulus and Remus, the day was celebrated by sacrificing animals and smacking women with animal hides, a practice that was believed to encourage fertility.

3. In the 1300s, it officially became a holiday associated with love.

Read more about Valentine’s Day…


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Steps to Take Now to Get a Jump on Your Taxes

Steps to Take Now to Start Your Taxes

IRS.gov | 09-Feb-2023 | Taxes | Insurance Quoting Portal | Types of Insurance with Shield Agency

Tax planning is for everyone. Get ready today to file your 2022 federal income taxes. Planning ahead can help you file an accurate return and avoid processing delays that can slow your tax refund.

Steps you can take now to make filing taxes easier in 2023

Create or access your account information at IRS.gov/account

Use your online account to securely access the latest information available about your federal tax account and see information from your most recently filed tax return.

You can:

  •  View your tax owed, payments, and payment plans
  • Make payments and apply for payment plans
  • Access your tax records
  • Sign Power of Attorney authorizations electronically from your tax professional
  • Manage your communication preferences from the IRS

Gather and organize your tax records

Organized tax records make preparing a complete and accurate tax return easier. It helps you avoid errors that lead to processing delays that slow your refund and may also help you find overlooked deductions or credits.

Wait to file until you have your tax records including:

Notify the IRS if your address changes and notify the Social Security Administration of a legal name change.

Remember, most income is taxable. This includes:

Check your Individual Tax Identification Number (ITIN)

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Types of Retirement Plans for Individuals in 2023

Types of Retirement Plans for Individuals in 2023

PersonalCapital.com | By JJ Lester, CFP® | November 10, 2022 | Retirement Plans | Life Insurance

Imagining your retirement can be exciting, but for many, building your nest egg can also be overwhelming.

There are numerous types of retirement plans for individuals. Choosing which one to use may leave you unsure of the best option. The best way to feel confident about your retirement savings is by having a long-term financial plan and a fiduciary financial professional on your team.

In this article, I’ll give a primer on the most common retirement account types, how they work, and who they might work best for.

Selecting the right savings vehicle is not always straightforward. Many factors come into play when you are building a retirement plan: your current age, income level, and ideal tax-optimization strategy. Here are some common retirement plans and criteria to consider.

Tip: Free personal finance tools can help you analyze your retirement plan. A good place to start is with Personal Capital’s Retirement Planner, which will help you assess your retirement readiness and identify areas for improvement.

1. Traditional 401k | Retirement Plans

One of the most popular and widely known investment tools, the 401k, is an employer-sponsored retirement plan that lets you save for retirement in a tax-sheltered manner.

Traditional 401k contributions are made with pre-tax dollars, ultimately reducing your taxable income and allowing your contributions to grow tax-deferred until you withdraw your money in retirement.

In 2022, the contribution limit is $20,500 ($22,500 in 2023), and individuals aged 50 and over may contribute up to an additional catch-up amount of $6,500 ($7,500 in 2023).

Employers may offer a profit-sharing or employer match program where they contribute a certain percentage to your 401k plan. Employers can utilize different vesting requirements, such as being employed for a certain number of years. Other times, contributions made on behalf of your employer may be 100% immediately vested, meaning that money is in your own hands once applied to your 401k account. If an employer requires a certain amount or percentage of your salary to be contributed to your 401k in order to receive the matching benefit, you should contribute at least that amount to take full advantage of your employer’s contribution.

Before withdrawing contributions from your 401k, you should work with your financial advisor to avoid paying withdrawal penalties. If you are age 59½ or younger, withdrawals are assessed at a 10% penalty in addition to ordinary income taxes (taxed at your highest marginal tax rate). Though there are a few IRS exceptions from the early withdrawal penalty, taking money out of your 401k before you are 59½ or at the age of 72 (for Required Minimum Distributions) is usually not advised.

Ideal For: If you think you will be in a lower marginal tax bracket when you start withdrawing funds in retirement, a traditional 401k plan can be advantageous.

2. Roth 401k

Read more about Retirement Plans..


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work’s new normal

CEOs still grappling to define work’s new normal

Worklife.com | BY LAURA PETRECCA | JANUARY 4, 2023 | Work’s new normal | Business Insurance

Inflation. 

A potential recession. 

Geopolitical uncertainty. 

Managing a remote workforce. 

Company leaders are buckling up for a bumpy 2023. After nearly three years of dealing with pandemic-induced stressors, they’re bracing for more tough times to come with economic instability, geopolitical risks, and talent-related concerns, among other looming issues.  

As we enter the new year, more than a dozen top executives have shared their expected challenges with WorkLife. They also reflected upon their most pressing concerns in 2022 and addressed how they cope with continuous change. 

The leaders work at firms that range from startups to well-established companies and represent different fields, such as communications, health care, food service, and entertainment. Yet, many of their concerns overlapped. In their predictions for 2023, one overarching theme emerged: expect the unexpected. 

“Never before have CEOs faced so many different variables in trying to plan for, budget and strategize” for a new year, said Constantine Alexandrakis, CEO of leadership advisory firm Russell Reynolds Associates, who speaks with other CEOs regularly. “The unpredictability of the unpredictability is the biggest thing keeping us up at night.”

At his firm, “the biggest challenge will be navigating that uncertainty, pivoting resources, attention and investments to where the opportunities are and pivoting away from the spots that will be particularly troubled,” he said. 

For Lisa Osborne Ross, U.S. CEO at public relations giant Edelman, the most daunting challenge of the last few years was simply accepting the ambiguity and uncertainty. “I thought the hard would be over by now,” she said. “But we still have yet to truly define our new normal, and that lack of clarity on the future of our workplace — and our world — continues. Being comfortable with those lingering unknowns, while still seeking to move forward and make progress, is not an easy position to be in.”

Looking ahead, “the biggest leadership challenge of 2023 will be learning how to not just survive but thrive, regardless of what comes our way,” she added.

Contending with internal and external issues | Work’s new normal

And indeed, there’s much coming their way. 

There are internal concerns, such as keeping a remote workforce productive and engaged, as well as outside factors, such as inflation, economic instability, and the widespread effects of the war in Ukraine. 

On the workforce front, Melissa Bouma, CEO of content marketing agency Manifest, said finding a hybrid work model where employees can effectively ideate and create is among her most significant issues as a leader. 

Like countless other CEOs, Bouma also manages employees that had an incredibly tough past few years. “We went through the pandemic. We went through societal evolution. We went through a Great Resignation and reshuffle,” she said. And now there are concerns about inflation and the overall economy.

One of her biggest challenges in 2023 is “to find a way to encourage everyone at the same time to get excited and passionate and remain that way,” she said.

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5 Non-Water Beverages That Count Toward Your Daily Water Intake

5 Non-Water Beverages That Count Toward Your Daily Water Intake

SheKnows.comCAITLIN FLYNN | DECEMBER 30, 2022 | Water Intake | Health Insurance

As we head into the warmer months, it’s a good time to recommit yourself to stay hydrated and happy. As you probably know by now, your body needs to stay hydrated to keep all your organs functioning, your body temperature regulated and to keep your mind running at peak performance. Dehydration is no joke — and can be a surefire way to disrupt your day-to-day life and leave you feeling awful.

“Dehydration is very common, and [it leads] to many symptoms, including fatigue, constipation, and decreased concentration,” Dr. Nancy Rahnama, physician nutrition medical specialist and board-certified internist, tells SheKnows.

Rahnama explains that recommended daily water intake varies depending on many factors, such as a person’s weight, environment, gut function, level of physical activity, and medications they take. But as a general rule, she suggests starting off with 64 ounces (eight cups) of water per day.

We all know that we should diligently be drinking enough water each day, but there’s just one problem: Plain, flat water simply isn’t appealing to a lot of us. Luckily, there are plenty of healthy beverage options that count toward our daily water intake, and drinking them won’t feel like quite as much of a chore.

“Water is considered a liquid beverage without caffeine, alcohol or sugar content,” Rahnama explains.

If you don’t love flat water or you simply want some more variety when you hydrate, try drinking these five beverages. Eight ounces of each is equivalent to eight ounces of regular water and they each contain either zero or very few calories.

Flavored Sparkling Water

If you’d normally reach for a soda to quench your thirst, we have a better (but still fizzy) option for you. 

Suzanne Dixon, a registered dietitian with The Mesothelioma Center, tells SheKnows that she recommends squeezing lemon or lime into sparkling water. 

Not only will this give you the flavor-plus-fizz combo you crave from soda, but it’s not full of sugar and empty calories and has the added bonus of some vitamin C from the citrus fruit

There are also plenty of no-added-sugar flavored seltzer waters to choose from — or for the less adventurous, there’s always plain.

Read more ideas to get your water intake…


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After a record year of breaches, two cybersecurity experts share tips on securing your business's most valuable assets to prevent a cyberattack.

How to Prep for a Cyberattack, and 3 Steps to Take When Your Company Does Get Hacked

After a record year of breaches, two cybersecurity experts share tips on securing your business’s most valuable assets to prevent a cyberattack.

inc.com | BY BEN SHERRY | Cyberattack | Shield Cyber Liability Insurance

Was your company hacked in the past year? If not, consider yourself lucky.

It’s not a question of if, experts say, but when you’ll get hacked.

Cybercrime is up exponentially, driven in part by the pandemic shift to remote work and employees using their own devices to access company networks or, alternatively, adopting work devices for personal use. According to a year-end report from cybersecurity services provider Flashpoint, 4,146 global data breaches were reported from January 1, 2022, to November 30, 2022. About a third of those, 31.8 percent, targeted U.S.-based companies. And while we hear a lot about the hacks at large companies and organizations, small and midsize companies tend to be even more vulnerable to cyberattacks. 

“I often see smaller companies that say I’m small enough that hackers wouldn’t care about me,” says Tiffany Kleemann, clients, and markets leader for cyber and strategic risk at Deloitte. “That’s just simply untrue. I don’t care what size business you are–everyone these days is a target.”

Kleemann points out that smaller companies that experience hacks can face an existential threat. Take ransomware for example, a type of cybercrime in which an attacker encrypts a victim’s data and demands a ransom from the victim to restore access to the data. A smaller company without the cash flow to meet a hacker’s demands could be sunk. 

Cyberattack prevention starts with awareness

Kleemann says that “job one” for every company looking to safeguard from cybercrime should be to conduct a cyber risk assessment. A cyber risk assessment is a process for evaluating the potential risks to an organization’s technology infrastructure, business processes, and security controls to identify vulnerabilities and the potential impact of a hack or data breach. Kleemann likens the process to identifying your company’s “crown jewels,” and then formulating specific plans for how to safeguard those valuable assets. 

Also vitally important is training your employees to identify attempts from external actors to break into your internal systems. These attempts often come in the form of phishing scams, in which someone attempts to obtain sensitive information, such as passwords and credit card numbers, by disguising oneself as a trustworthy entity via electronic communication. These days, Kleemann says, cybersecurity consultants are going a step further than hosting classes on phishing scams; they’re sending fake phishing emails to employees as a low-stakes way of testing their abilities to recognize threats. 

Cyberattack Damage-control steps

But what if it’s too late? What should you do when you check your website and suddenly, instead of your homepage, you see a message demanding that you pay for the ability to regain control of your business? That’s where Frank Shultz, chairman and CEO of business resilience solutions firm Infinite Blue, comes in. Shultz has vast experience helping companies pick up the pieces after a hack, and he shared three key tips with Inc. readers. 

1. Trust your gut

If you have any suspicion that an intruder has breached your network, trust your gut and immediately take all communications with your employees to a separate, secure network that isn’t being monitored (examples include Signal and Wire). Shultz says that he’s seen hacks in which the infiltrators impersonate an employee in the company’s Slack channel, and then are able to watch along while the company formulates a plan to counter the hack. Shultz adds that businesses should consider adopting a code word to let employees know that there’s been a breach and to switch to the secure messaging service. 

2. Get insurance

Shultz also says that companies of all sizes should consider getting cybersecurity insurance, which he claims can be a lifesaver if you have no other option but to pay out a ransom. This type of insurance is just emerging, so look for policies that include access to teams that help negotiate with the hackers, and help craft communications about the hack to employees and customers. 

3. Know your IP

The best thing you can do is be prepared and ready to quickly take action, figure out which of your assets would be the most painful to lose and invest heavily to keep those assets secure.

Read more on how to prepare for a cyberattack…


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layoffs and hiring freezes

The tech industry’s moment of reckoning: layoffs and hiring freezes

The Verge | By VERGE STAFF | Jan 26, 2023 | layoffs and hiring freezes | Business Insurance with Shield

Over the past few months, the economy has started to turn, and tech workers are being hit hard. Meta, Twitter, and more have fired thousands, and others are slowing or freezing hiring.

Over the last year, it feels like every day, we’ve heard the news of mass layoffs and hiring freezes from big tech companies that were formerly famous for having deep pockets and near-endless amenities for workers.

Now, it’s clear that the industry as a whole is tightening its belt, leaving hundreds of thousands of employees out of work — and more wondering if they’ll have a job within the next few months or searching for jobs in an industry that no longer has a spot for them. It’s gotten to the point where one tech recruiting site created an interactive tool to track the layoffs across established companies and startups.

To open 2023, Amazon announced layoffs of mostly corporate employees will trim 18,000 workers from the roster, the biggest reduction — in raw numbers, despite Amazon’s 1.5 million-strong workforce — yet. Slightly smaller raw numbers popped up at Google, with 12,000 layoffs, and Microsoft, with 10,000.

Elizabeth Lopatto spoke to experts to try and answer the question of why so many layoffs are happening right now, despite tech companies continuing to register sizable profits. One reason is that “investors have changed how they’re evaluating companies,” even if there’s a lack of evidence that the layoffs can help solve any of the problems they may have.

Twitter’s layoffs happened because Elon Musk bought the company and took it private, and Meta’s CEO claims its 13 percent reduction in staff is a course correction after the company went on a hiring spree during the online retail boom that came out of the pandemic. Companies that rely on advertising, like Meta and Snap, have also been hit hard by privacy policy changes from Apple.

Meanwhile, the iPhone maker is blaming the economy for its own hiring slowdown, despite being one of the few companies still announcing record-breaking earnings and beating estimates.

We’ll probably see even more reasons for layoffs or freezes as other companies announce their own. Stay tuned to this page for the latest on big tech companies’ cost-cutting measures and how they affect current and former employees.

Here’s all our coverage of the recent outbreak of layoffs and hiring freezes from big tech, auto, crypto, and more:

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February is Black History Month

February is Black History Month

History.com | NOV 30, 2022 | Black History | Get a free quote today! | Shield Insurance

Black History Month is an annual celebration of achievements by African Americans and a time for recognizing their central role in U.S. history. Also known as African American History Month, the event grew out of “Negro History Week,” the brainchild of noted historian Carter G. Woodson and other prominent African Americans. Since 1976, every U.S. president has officially designated the month of February as Black History Month. Other countries around the world, including Canada and the United Kingdom, also devote a month to celebrating Black history.

Origins of Black History Month

The story of Black History Month begins in 1915, half a century after the Thirteenth Amendment abolished slavery in the United States.

That September, the Harvard-trained historian Carter G. Woodson, and the prominent minister Jesse E. Moorland founded the Association for the Study of Negro Life and History (ASNLH), an organization dedicated to researching and promoting achievements by Black Americans and other peoples of African descent.

Known today as the Association for the Study of African American Life and History (ASALH), the group sponsored a national Negro History week in 1926, choosing the second week of February to coincide with the birthdays of Abraham Lincoln and Frederick Douglass. The event inspired schools and communities nationwide to organize local celebrations, establish history clubs, and host performances and lectures.

Did you know? The NAACP was founded on February 12, 1909, the centennial anniversary of the birth of Abraham Lincoln.

In the decades that followed, mayors of cities across the country began issuing yearly proclamations recognizing “Negro History Week.” By the late 1960s, thanks in part to the civil rights movement and a growing awareness of Black identity, “Negro History Week” had evolved into Black History Month on many college campuses.

President Gerald Ford officially recognized Black History Month in 1976, calling upon the public to “seize the opportunity to honor the too-often neglected accomplishments of Black Americans in every area of endeavor throughout our history.” Today, Black History Month is a time to honor the contributions and legacy of African Americans across U.S. history and society—from activists and civil rights pioneers such as Harriet TubmanSojourner TruthMarcus GarveyMartin Luther King Jr.Malcolm X and Rosa Parks to leaders in industry, politics, science, culture and more. 

Black History Month 2023 Theme

Since 1976, every American president has designated February as Black History Month and endorsed a specific theme.

The Black History Month 2023 theme, “Black Resistance,” explores how “African Americans have resisted historic and ongoing oppression, in all forms, especially the racial terrorism of lynching, racial pogroms and police killings,” since the nation’s earliest days. 

Read More about Black History Month…


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GROUNDHOG DAY, FEBRUARY 2ND 2023

Groundhog Day

Groundhog.org | February 2023 | Groundhog Day | Shield Insurance Agency

GROUNDHOG DAY, FEBRUARY 2ND 2023

Groundhog Day is a Popular Tradition

A popular tradition in the United States, Groundhog Day is also a legend that traverses centuries, its origins clouded in the mists of time with ethnic cultures and animals awakening on specific dates. Myths such as this tie our present to the distant past when nature did, indeed, influence our lives. It is the day that the Groundhog comes out of his hole after a long winter sleep to look for his shadow.

If he sees it, he regards it as an omen of six more weeks of bad weather and returns to his hole.

If the day is cloudy and, hence, shadowless, he takes it as a sign of spring and stays above ground.

The groundhog tradition stems from similar beliefs associated with Candlemas Day and the days of early Christians in Europe, and for centuries the custom was to have the clergy bless candles and distribute them to the people. Even then, it marked a milestone in the winter and the weather that day was important.

Legend & Lore

One holiday that brings thousands of people together from all over the world to celebrate the prediction of a furry forecaster.

What would you rather be doing in the middle of the night, in the middle of the winter in western PA? How about enjoying the ambiance of the brisk night air with thousands of new friends by your side, waiting for the Seer of Seers, Punxsutawney Phil, to make his prognostication sounds like a great thing to experience! 

Whether Groundhog Day has been on your bucket list for years or it is your birthday, or if you just would like a reason to celebrate — Groundhog Day is the event for you.


The History of Groundhog Day

The Christian religious holiday of Candlemas Day has become most commonly associated with the current celebration, but it’s roots are older than that. The celebration started in Christianity as the day, (February 2nd), when Christians would take their candles to the church to have them blessed. This, they felt, would bring blessings to their household for the remaining winter.

As time rolled on the day evolved into another form. The following English folk song highlights the transition to weather prognostication.

If Candlemas be fair and bright,
Come, Winter, have another flight;
If Candlemas brings clouds and rain,
Go Winter, and come not again.

This “interpretation” of Candlemas Day became the norm for most of Europe. As you can read, there is no mention of an animal of any kind in the preceding song. It wasn’t until this traditional belief was introduced to Germany that an animal was introduced into the lore, hence another evolution of February 2nd. If, according to German lore, the hedgehog saw his shadow on Candlemas Day there would be a “Second Winter” or 6 more weeks of bad weather. As German settlers came to what is now the United States, so too came their traditions and folklore. With the absence of hedgehogs in the United States, a similar hibernating animal was chosen. This leads us to yet another evolution in the legend and to present day Punxsutawney.


The First Groundhog Day Celebration

In Punxsutawney, 1886 marked the first time that Groundhog Day appeared in the local newspaper. The following year brought the first official trek to Gobbler’s Knob. Each year since then has seen a steady increase in participation of the celebration from people all over the world.


Today’s Tradition

Today, Groundhog Day remains what it was when the tradition first came to our shores and found its way to Punxsutawney. A day to take everything a little less seriously, and break up the winter monotony… at least for a little while!

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