How to save for a family vacation

How to save for a family vacation

Family Vacation Time?

Financial literacy is an essential life skill necessary to make informed decisions about budgeting, borrowing and more. Equipped with this knowledge, kids grow up prepared for financial independence.

Teaching kids and teenagers financial literacy often falls on parents’ shoulders — and it isn’t always easy. You need to both keep your youngster involved and interested and make the process fun. One way is to use exciting opportunities, like family vacations, to teach your kids good saving habits.

Set goals for you and your kids

So, you’re going on a family vacation. It’s time to set some goals.

  • Decide where you’re going

First, decide on where you’re going. Use selecting a destination as an opportunity to get your kids talking about where they want to go and to create excitement. Pick a place together and let your kids know that the trip can only happen if they chip in financially.

  • Determine the costs

Whether your family is planning a Disneyland trip or a vacation to your kids’ favorite spot, it’s time to determine the costs.

Involve your kids in the process. Break down the numbers for transportation, lodging, entertainment and other expenses. Show your kids the total and discuss how they’ll help you save that amount.

  • Set a timeline

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Boat Insurance Shield Agency

Why Navigation Limits Are An Important Part Of Boat Insurance Policies

Shield Insurance Agency is an independent agency. We have working relationships with multiple carriers throughout Michigan. We take pride in simplifying the process of searching for coverage for our clients. We provide flexible coverage options that evolve over time.

Why Navigation Limits Are An Important Part Of Boat Insurance Policies

Michigan is a tourist attraction for its beautiful lakes. There are multiple places throughout the state where large boat parties occur and bring people together to have fun. If you own a boat, consider the benefits of boat insurance. Boat insurance covers you while you’re out on the water. There are some risks associated with operating a boat. Perhaps you lose temporary control of your boat and crash into an object. Liability coverage will take care of any damages or medical treatment of bodily injuries. Boat insurance also includes collision coverage, which covers any damage to your boat due to an impact with another watercraft. All of your personal items inside your boat are covered if damaged or stolen. Comprehensive coverage protects your boat in multiple ways. You’re covered if you’re out on the water and severe weather moves into the area, causing damage. You’re also covered if your boat is damaged due to a fire. You can also add emergency towing or fuel spill coverage to your policy.  

Pay attention to your policy’s navigation limits. Your policy will outline a specific radius in which you can operate your boat while maintaining coverage. If you cross that line, you are no longer protected if something happens to your boat. Check your policy carefully to avoid a potential disaster.

Shield Insurance Agency Will Help You Protect Your Assets

Contact us today to learn more information about boat insurance.

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Flos Restaurant Gift Card given away from Shield Insurance Agency

Gift Card Winners Compliments of Shield Insurance Agency!

Friday, December 31, 2021

Every week, Shield Insurance Agency draws a winner of a local gift card from its clients and social media followers.

Why? Because we love giving stuff away!

Be sure to LIKE our Facebook Page to get yourself entered to win and see who the winners are!

Shield Insurance Agency has given away thousands of dollars in local gift cards over the last 20 years serving Michigan.

Look who is winning!

Shield Insurance Weekly Gift Card Winner
Shield Insurance Weekly Winner
Target Gift Winner from Shield Insurance Agency in Michigan
Subway Giftcard Winner from Shield Insurance
Meijer gift card winner from Shield Insurance Agency
Shield Insurance Agency Lowes Gift Card Winner
Shield Insurance Agency Denny's Gift Card Winner
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Shield Insurance Agency Meijer Gift Card Winner
Shield Insurance Agency Lowes Gift Card Winner!
Shield Insurance Agency Target Gift Card Winner!
Shield Insurance Agency Red Robin Gift Card Winner
Panera Bread Gift Card Winner at Shield Insurance Agency
Subway Gift Card Winner at Shield Insurance Agency
Shield Insurance gives away another local gift card!
Target Shield Insurance Gift Card Give A Way
Red Robin Gift Card Winner at Shield Insurance Agency

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Shield Insurance is helping Roslyn & Maddox by donating $25 to the family for each non-client who gets a quote from Shield

Shield Referral Program Supports Local Family

Shield Referral Program Supports Local Sparta, Michigan Family

Your Referrals to Shield Insurance Agency Help a Local Family in Need

Your referral can make a difference for Roslyn and Maddox who both have a form of Arthrogryposis Multiplex Congenital. Shield Insurance is helping this Sparta, MI family by donating $25 for each non-client who gets a quote from us.

No purchase necessary!

CLICK HERE to get a quote and we’ll donate $25 to them! (Be sure to mention Roslyn and Maddox in the comment section!) You can also call or text the office (616) 896-4600 and one of our agents will take a few minutes of your time to offer up a quote. Don’t forget to mention Ros and Maddox

“The highest compliment we can receive is the referral of your friends, family & business associates. Thank you for your trust!”

Meet Roslyn
Roslyn and Shield Insurance Agency Referral Program

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Have you seen the Shield Insurance Agency Blog Articles? It’s some great stuff!

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Shield Insurance Agency Home Office in Hudsonville, Michigan

Happy Halloween to All!

Shield Insurance Agency wishes everyone a Safe and Happy Halloween!

Stop by the office, any time of the year, and we will have some treats for everyone!

We are located at 3214 Chicago Drive in Hudsonville, MI

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Shield Insurance Agency - Types of insurance and the insurance companies Shield is proud to represent

Shield Insurance Agency Product List

Types of Insurance Shield Agency Provides

Shield Insurance Agency has been in business for so many years, we can shop a lot of different companies for a lot of different types of insurance to be sure you get what you need for the price you can afford. Check out the list!

Personal

  • Auto Insurance
  • Boat Insurance
  • Condo Insurance
  • Dental Insurance
  • Disability Insurance
  • Event Insurance
  • Farm Insurance
  • Flood Insurance
  • Health Insurance
  • Homeowners Insurance
  • Mobile Homeowners Insurance
  • Motorcycle Insurance
  • Motorhome Insurance
  • Recreational Vehicle Insurance
  • Renter Insurance
  • Term Life Insurance

Business

  • Auto Facilities
  • Bond Insurance
  • Business Interruption
  • Cannabusiness
  • Church Insurance
  • Commercial Auto
  • Commercial Property Insurance
  • Contractor Insurance
  • Cyber Liability Insurance
  • General Liability Insurance
  • Group Health Insurance
  • Group Life Insurance
  • Liability Insurance
  • Professional Liability Insurance
  • Security Bond Insurance
  • Workers Compensation

Insurance Companies Shield Agency is Proud to Represent

AAA
Accident Fund
Aegis
Ambetter
American Modern
ASI
Assurity
Berkshire Hathaway GUARD
Berkshire Hathaway Homestate
Blue Cross Blue Shield/BCN
Bristol West
Companion Life
Conifer
Delta Dental

Foremost
Freemont
Genworth
Golden Rule
Grange
Hanover
HAP
Hiscox
Humana
ING
Liberty Mutual
Liberty Union
Medishare
Molina Healthcare
National General
Nationwide

North American Company
Philadelphia
Principal Financial Group
Priority Health
Progressive
Reinsurepro
RLI
Safeco
State Auto
Superior Flood
The Hartford
Transamerica
Travelers
United Healthcare
Unum
Wolverine


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When Disaster Strikes What to Put in Your Medication Go Bag - Shield Insurance Agency Blog

When Disaster Strikes: What to Put in Your Medication Go Bag

Atlantic hurricane season is a good reminder that everyone should prepare this potentially lifesaving kit

By Consumer Reports Last updated: July 05, 2021

A well-stocked Medication Go Bag can be used to soothe a cut or burn—or to save your life during a hurricane, flood, fire, or other emergencies.  

But it’s important not to wait until you’re faced with the need to leave your home in a hurry to assemble your medication go bag, says Geoffrey C. Wall, Pharm.D., a professor of pharmacy practice at Drake University in Des Moines, Iowa.

Whether you buy a kit from a drugstore or build it yourself, Wall recommends that all households keep a medication go bag on hand. It should contain the essentials, including: 

  • At least seven days’ worth of over-the-counter and prescription medications you take on a regular basis. Label the containers clearly, and include a printed-out list of everything you take and the regimen for each medication, plus a copy of your health insurance card (in case you need medical care while you’re away from your home).
  • An antihistamine for allergic reactions, such as diphenhydramine (Benadryl Allergy and generic) or loratadine (Claritin and generic).
  • Pain relievers, including acetaminophen (Tylenol and generic), aspirin, ibuprofen (Advil, Motrin IB, and generic), or naproxen (Aleve and generic).
  • Stomach and antidiarrheal remedies, including loperamide (Imodium and generic) and bismuth subsalicylate (Kaopectate, Pepto-Bismol, and generic).
  • An antacid for heartburn, such as Maalox, Mylanta, Rolaids, Tums, or generic.
  • Antiseptic wipes; an antibiotic ointment such as Neosporin, Bacitracin Plus, Curad, or generic (use only for infected wounds); and bandages, gauze, and tape, for treating burns, cuts, and wounds.
  • Mosquito repellent to prevent bites, and aloe gel, hydrocortisone cream, or calamine lotion to soothe bites and skin irritation.
  • An eyewash solution for flushing out eye irritants.
  • Water-purification tablets.
  • Scissors.
  • Thermometer.
  • Tweezers.

If you and your family have special medical needs, you can build a more sophisticated medication go bag—for example, one that contains hearing aids with extra batteries, an epinephrine auto-injector, glasses, contact lenses, or syringes.

Fill Prescriptions in Advance

For prescriptions, you and your family members take, consider asking your doctor for 60- or 90-day refills rather than a month’s worth. That way, you’re more likely to have extras on hand for your medication go bag. (This can also save you money.)

Always fill prescriptions on the first day you become eligible for a refill, rather than waiting until the day you run out. If you are able to obtain an emergency supply, establish a plan for rotating your go-bag supply so that it remains up to date. And remember to check medications periodically to ensure that they have not expired.

“During an emergency, some states allow pharmacists to dispense an emergency supply of medications without doctor authorization,” Wall says. But, he adds, “certainly if a known potential disaster, such as a hurricane, is predicted, make sure you have prescription meds and supplies before it hits.”

You might also ask your health insurance company to assist you in obtaining enough medication and supplies to have on hand.

Storing and Maintaining Your Kit

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How to Get Rid of Ants - Shield Insurance Agency Blog

How to Get Rid of Ants

By: Francisco Guzman | Updated: Aug 13, 2021 | How Stuff Works

Ants invade homes for one reason: food. Whether you left crumbs on the kitchen table or forgot to take the trash out, where there’s food, there are ants. Ants aren’t all bad. They help to clean up dead animals and naturally create topsoil as they burrow into the ground. But they can also pose a danger to you and your home.

Ant bites aren’t only annoying, they can trigger an allergic reaction in some people. A typical ant bite can cause pain and discomfort, but bites from a fire ant can lead to difficulty breathing, difficulty swallowing, nausea, and dizziness. While fire ants pack a big sting, other ants can do different types of damage.

Carpenter ants, similar to termites, can cause damage to your home’s walls, decks, doorframes, and other wooden materials. These ants create nests in wooden areas that are moist and starting to decay and cause damage by tunneling through the wood.

But if your home has become infested with ants, don’t worry. Getting rid of them is fast, easy, and cheap. Most of our suggestions below use ingredients that are safe to use around babies and pets. Here are some home remedies to quickly and successfully rid your house of ants.

How to Get Rid of Ants

  • White vinegar: Mix a solution of one part white vinegar to one part water or just use straight vinegar. Wipe your counters, tables, appliances, and jars with the solution to kill ants and prevent them from returning. Although you won’t be able to smell the scent after a while, ants will.
  • Hand soap: Spray a soapy water solution into holes and crevices that may be the entry point for ants in your home. Soap is an effective remedy for preventing ants from entering your home because it removes the scent of ant pheromones, which ants use to communicate with each other.

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CR's Guide to Getting Better Internet Without Busting Your Budget - Shield Insurance Agency Blog

CR’s Guide to Getting Better Internet Without Busting Your Budget

How to solve WiFi problems and trim your monthly bill. Plus, what CR is doing to get everyone faster, cheaper broadband.

By Consumer Reports | July 13, 2021

Over the past 18 months, our home internet connections have helped us reach family, friends, and colleagues. They’ve been both practical tools and a needed source of entertainment during a difficult time.

That may be why 76 percent of Americans agree that internet service is as important as electricity or water, according to a February nationally representative Consumer Reports survey of 2,514 U.S. adults (PDF).

But using the internet at home can be frustrating, too, as many people confront dropped video-calls and sputtering movies—along with confusing bills and poor customer service. The good news is that some broadband problems are easy to fix. The following information can help you do that and maybe even help you save a bit of money.

To learn more about the issues that affect internet customers, Consumer Reports is launching a project called Broadband Together along with several other nonprofit organizations to collect and analyze tens of thousands of internet bills. You can read more about the project, and then consider joining the effort by taking an internet speed test, sharing a bill, and providing us with some basic information. 

The information we gather will help us learn how much people are paying in neighborhoods across the country, whether they’re getting what they were promised, and whether prices are fair.

If the internet is glitchy in your home, the first step toward a solution is to pinpoint the problem. And it helps to understand how online material—be it a Netflix show, Zoom call, or social media post—gets to you.

As you can see in the illustration below, movies, email, and other data are funneled by internet service providers (ISPs) through a series of cables and wires to homes with wired service. 

If something’s not working, the problem could lie outside your home and may require a call to the company to fix. Or the trouble could be with your home WiFi network, which distributes information wirelessly to your computers, TVs, and other devices.

Which is it? To figure that out, an easy first step is to test your internet speed.

How to Test Your Speed For Better Internet

It’s useful to know how fast data moves into and out of your home. To find out, you can check your speed at Measurement Lab or Speedtest. With a click or two, you’ll learn your download speed (how fast data such as a movie streams into your home), and your upload speed (how fast data like your end of a Zoom call streams out). The numbers, measured in megabits per second (Mbps), will vary a bit each time. If possible, first run a test with a computer that’s physically plugged into your router using an Ethernet cord. The results may vary a bit each time you run the test. But if the speeds are consistently much slower than the maximum speeds promoted by the ISP for your plan, call the company. Then do the same test wirelessly (over WiFi) throughout the house. If it’s only the WiFi speeds that are slow, focus on your router to find a solution. 

Is Your Service Level Fast Enough?
ISPs generally offer several plans, each promising a different range of speeds—the faster the connection, the more you pay. So which plan is right for you?

It depends on how many people you have at home and what they do online. You need only around 1 Mbps to listen to a Spotify song and 4 Mbps for a Zoom call—but 25 Mbps to watch a 4K movie on Netflix.

The numbers are cumulative. If two TVs are streaming 4K movies at the same time, that’s 50 Mbps.

Every ISP has its own tiers, but you can use the speed ranges below to see where you fit in. Many people may pay for more speed than they really need.

Up to 100 Mbps
This is plenty for two or three people with routine needs. That includes Zoom calls, high-definition movie viewing, and some online game play.

100 to 300 Mbps
These speeds should accommodate even a data-hogging family that plays several 4K movies and taxing online games all at the same time.

300-Plus Mbps
Few households need more than 300 Mbps. If you have internet problems, the solution is probably not to slap down the plastic for your ISP’s priciest superfast service.

Make Your WiFi Better

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Off Road ATVs - Shield Insurance Agency Blog

Off-road ATVs: Coverage for your off-road ATV

Safeco® Off-road ATVs: Coverage for your off-road ATV

Do you have an off road vehicle? Safeco will insure all-terrain vehicles with four or six wheels, a wide variety of utility-terrain vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, golf carts, and other select off-road vehicles. Talk with a Safeco agent to get details about all the vehicles types we cover. Connect with your Safeco independent agent today to get the details and determine the best coverage options for your off-road vehicle: http://spr.ly/6053yTUUv Disclaimer: Subject to policy terms, conditions, and limitations. Discounts and savings available where state laws and regulations allow and may vary by state. State insurance requirements apply. Insurance offered by Safeco Insurance Company of America and affiliates, Boston, MA.

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