Shield Insurance Blog - What’s allowed in — and prohibited from — your carry-on bag, according to the TSA’s rules

Your carry-on bag, according to the TSA’s rules

What’s allowed in — and prohibited from — your carry-on bag, according to the TSA’s rules

By Kaitlyn McInnis | CNN Underscored | Updated 11:36 AM EDT, Mon September 19, 2022

Packing for a trip can be a daunting experience. You want to streamline your stuff so as to travel light, but you also don’t want to be so bare-bones that you wind up shopping for the essentials you forgot when you should be enjoying your trip.

Maximizing your carry-on baggage allowance is a great way to ensure you’re packing light without skimping on the things you actually need, but you’ll want to ensure you’re packing items that won’t get you held up at the TSA security checkpoint. There are certain TSA carry-on rules and regulations you’ll want to be aware of when packing your carry-on bag, such as how much liquid you can actually bring on board or if your disposable razor is allowed through.

If you’re hoping to optimize the way you pack your hand luggage, you’ll want to read on. We’ve outlined everything you need to know about what’s allowed in a carry-on bag — and the best carry-ons to consider for your next trip.

What is a carry-on bag?

Carry-on luggage ranges in styles and sizes — from hard-shelled spinners to soft-sided weekender bags and even travel backpacks. But the bag will need to fit the size regulations of your airline. In fact, carry-on allowance isn’t determined by the TSA but instead by individual airlines. Generally speaking, most airlines implement a maximum size policy of 22 inches by 14 inches by 9 inches, including wheels and handles.

Your baggage allowance could also depend on your ticket type. Some basic economy tickets only allow for a personal item, such as a purse, rather than a piece of carry-on luggage. When it comes to the weight of the bag, you’ll want to ensure you can comfortably lift your carry-on up and into the overhead compartment efficiently. However, some airlines — particularly budget carriers — limit how much a bag can weigh.

Ultimately, if you’re planning to bring a carry-on bag on board, be sure to check your airline’s policies. Once you’ve determined your carry-on baggage allowance, you’ll then need to pack it with items that are permitted by the TSA.

What is allowed?

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Shield Insurance Blog - .What is the value of having an auto insurance plan in Michigan

What is the value of having an auto insurance plan in Michigan?

For anyone living in the state of Michigan, having a car can be a great idea. With a car, you will be able to get around all of the great parts of the state including large cities, small lake communities, and plenty of recreational activities throughout the area. If you are going to buy a car in this area, you will also want to know that you get the right auto insurance.

An auto insurance plan offers various forms of value:

Ensure You are Supported and Protected

If you do get an auto insurance plan, it will help to ensure you are covered as well as possible. With the right plan, you will get the support you need to replace or repair your car if you incur a covered loss. Further, you will have support if you cause an accident and need to cover the damage.

Remain in Compliance

You also will need to have an auto insurance plan so you can remain in compliance with any requirements you may have. Those that drive any type of car in this state will need to carry insurance to meet the state’s minimum liability coverage standards. You also will need to have coverage to meet any requirements that may be set by your auto loan provider. 

Get Auto Insurance Today

If you would like to purchase a car in Michigan, it is very important that you get proper insurance. As you are looking for coverage, it would be wise for you to call the team with the Shield Insurance Agency. Those that do work with the Shield Insurance Agency will get a lot of help in deciding what the right policy is for their situation. This will help give you comfort that you are selecting the right policy. 


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Shield Insurance Blog - Ransomware attacks against schools could rise

Ransomware attacks against schools could rise

Federal agencies warned ransomware attacks against schools may increase this school year, in a joint cybersecurity advisory issued Tuesday.

BusinessInsurance.com | Judy Greenwald | September 07, 2022

Attacks may increase as the school year begins “and criminal ransomware groups perceive opportunities for successful attacks,” said the advisory issued by the FBI, the Cybersecurity and Infrastructure Security Agency and the Multi-State Information Sharing and Analysis Center.

“School districts with limited cybersecurity capabilities and constrained resources are often the most vulnerable; however, the opportunistic targeting often seen with cyber criminals can still put school districts with robust cybersecurity programs at risk,” the advisory warns.

“K-12 institutions may be seen as particularly lucrative targets due to the amount for sensitive student data accessible through school systems or their managed service providers,” it said.

Ransomware Attacks

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Nordic Walking Can Improve Your Heart Function. Here's How It Works. - Shield Insurance Agency Blog

Nordic Walking Can Improve Your Heart Function.

A recent study found people with coronary artery disease saw improved health outcomes after committing to the nordic walking workout for 12 weeks.

HuffPost | By Jillian Wilson | Sep 8, 2022, 05:45 AM EDT | Updated Sep 8, 2022

It’s widely known that walking is great for you. Research shows that walking can cut your risk of heart disease, reduce joint pain and naturally relieve stress.

A study published in the Canadian Journal of Cardiology in June also found that a specific kind of walking can be beneficial for people with coronary artery disease: Nordic walking. According to the Centers for Disease Control and Prevention, coronary artery disease “is the most common type of heart disease in the United States.” The study results suggest that people with the disease saw improved heart function after committing to Nordic walking for three months.

Nordic walking involves using poles similar to ski poles as you move. Unlike a regular walk, this kind of walking incorporates your upper body muscles in addition to your lower body muscles. According to the International Nordic Walking Federation, Nordic walking began as an off-season workout for skiers and has been around since the mid-1900s.

For the study, 130 people with coronary artery disease were randomly split into one of three groups. The first group followed a 12-week high-intensity interval training program; the second group followed a 12-week moderate-to-vigorous intensity training program; the third group followed a 12-week Nordic walking program.

After the workout program, participants were observed for 14 weeks, and their functional capacity ― or their ability to exercise or perform daily activities that require physical effort ― was tested by measuring how far they walked in six minutes.

Additionally, the researchers had participants fill out a heart disease-specific questionnaire and a 36-question health survey. Depression levels were also measured using the Beck Depression Inventory-II, which is commonly used to measure depression after heart attacks. Participants were tested at the beginning, the middle and the end of the study.

Nordic walking yielded the best results.

While all participants saw favorable health outcomes, those in the Nordic walking group experienced the largest increase in functional capacity compared to their baseline level at the start of the study.

In other words, those who committed to the 12-week Nordic walking program were most able to show increased exercise capacity during the six-minute walk test. And one’s functional capacity is “an important predictor of future cardiovascular events in patients with [coronary artery disease],” the study stated.

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Shield Insurance Blog - 16 Educational Podcasts for Minority Entrepreneurs

Minority Entrepreneurs and Educational Podcasts

Hubspot | Written by Flori Needle

16 Educational Podcasts for Minority Entrepreneurs

Welcome to Breaking the Blueprint — a blog series that dives into the unique business challenges and opportunities of underrepresented business owners and entrepreneurs. Learn how they’ve grown or scaled their businesses, explored entrepreneurial ventures within their companies, or created side hustles, and how their stories can inspire and inform your own success.

Podcasts are an excellent way for minority entrepreneurs to gain inspiration and actionable career advice.

However, entrepreneurs in minority communities searching for podcasts for and about people with similar experiences and identities to themselves may have a hard time doing so.

In this post, we’ve compiled a list of educational podcasts for entrepreneurs in minority groups that are worth listening to gain inspiration and insight from people with shared experiences.

Recommended Podcasts for Minority Entrepreneurs

1. Side Hustle Pro

Side Hustle Pro’s host Nicaila Matthews Okome interviews inspiring Black women entrepreneurs that have grown side hustles into profitable businesses. Listeners learn about their processes, failures, and successes and leave with strategies to leverage to help them build their side projects or interests into successful ventures.

2. The Diversity Gap

The Diversity Gap Podcast, hosted by Bethaney Wilkinson, discusses the gaps between good intentions for diversity and the actual impact of those intentions. Each episode features guests that discuss strategies and best practices for creating an organizational culture that allows people from all racial backgrounds to thrive at work. It’s a great listen for business owners and entrepreneurs looking to champion DEI at their workplace.

3. ¿Quién Tú Eres?

¿Quién Tú Eres?, hosted by Pabel Martinez of Plurawl, empowers Latinx communities to be their most authentic and full selves at work by redefining what professionalism means and looks like in the workplace. Each episode features a guest who defines professionalism and shows how they show up as their most authentic selves at work.

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Shield Insurance Blog - Commercial Inventory

Guidelines for properly calculating insurance coverage levels for commercial inventory

Shield Insurance Agency is here to assist business owners in the state of Michigan with all of their insurance needs. We can help you determine how to calculate your insurance needs to adequately protect your commercial inventory.

Give us a call today and let us get started on helping you!

Guidelines for determining how much coverage your commercial inventory requires

Inventory can be a tricky business when it comes to determining how much insurance coverage you need to protect your investment. This can be made even more difficult if you are a seasonal business or if your business has significant fluctuations year over year. Even for businesses that are relatively stable, calculating inventory coverage can be challenging.

The first thing to look at is the time of year when your business has the most inventory. For some, it may be at the start of the year, and for others, it could be right before the busy holiday season. Whenever this time period may be for your business, it’s important. Once you review your inventory trends, and when they are at their highest level, you will be in a better place to determine your inventory insurance needs.

Typically, a business can look at its highest inventory level and make the decision to have its insurance coverage match that level. This is a smart idea for businesses that have inventory that is of extremely high value or moves rather slowly throughout the year.

Let’s work together to protect your inventory!

Michigan business owners can depend on Shield Insurance Agency for all of their commercial insurance needs. If you have questions about commercial insurance, we are here to help. Give us a call today and let’s get started working together! We look forward to hearing from you.


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Take a Trip for Brain Health - Researchers suggest travel therapy may benefit adults living with dementia

Travel therapy may benefit adults living with dementia

Researchers suggest travel therapy may benefit adults living with dementia

By Peter Urban, AARP

EN ESPAÑOL

Not that anyone needs an excuse to take a holiday, but researchers in Australia suggest that a break from the daily routine has mental and physical health benefits, including for adults living with dementia.

“Medical experts can recommend dementia treatments such as music therapy, exercise, cognitive stimulation, reminiscence therapy, sensory stimulation and adaptations to a patient’s mealtimes and environment. These are all also often found when on holidays,” lead researcher Jun Wen, a lecturer in tourism and hospitality management in the School of Business and Law at Edith Cowan University, said in a statement.

Wen and fellow researchers suggest in a paper published in Tourism Management that travel therapy, like music and art therapy, should be available to adults living with dementia. “This research is among the first to conceptually discuss how these tourism experiences could potentially work as dementia interventions,” he said.

Although some research has shown tourism’s health benefits for people in general, additional research is needed to demonstrate how it can enhance the lives of people living with diseases like dementia and depression, Wen said.

“Tourism is generally considered a form of leisure that liberates people from the everyday. The emotional states, thoughts, and unique memories evoked by tourism have the potential to positively influence the well-being of individuals with dementia,” the researchers wrote.

Here are some ways, according to the researchers, that a vacation could serve as therapy for adults living with mild to moderate dementia.

• Sightseeing provides an opportunity to get the brain working by stimulating thinking, concentration and memory — especially when interacting with caregivers or other tourists.

• Travel brings people to novel environments where adults living with dementia may “experience new emotions, moods and other reactions, thereby stimulating brain functions that enable them to process such feelings.”

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Your Complete Guide to Painting Wood Furniture—From Sanding to Sealing

Your Complete Guide to Painting Wood Furniture

Your Complete Guide to Painting Wood Furniture—From Sanding to Sealing. Breathe new life into dilapidated chairs, dressers, desks, and more by adding a fresh coat of paint.

Martha Stewert.com | By Madeline Buiano | July 20, 2022

Whether it’s a dresser you’ve had for years or a unique chair you found in an antique shop, there are a handful of creative ways to breathe new life into worn-down furniture. One of the most common materials you’ll run into when refreshing old pieces is wood, which can quickly be transformed into something beautiful with nothing more than a coat of paint

“Painting or repainting your furniture isn’t just a budget-friendly way to personalize your home, freshen up tired furniture, or disguise aesthetic damage,” says Annie Sloan, paint and color expert, and creator of Chalk Paint Annie Sloan. “It’s a way of life, rejecting the buy more, buy new, buy now culture, and embracing hands-on, do-it-yourself, creative expressionism.” 

The best part? The process of painting wood furniture looks the same across the board, meaning you can use the required materials for more than just one project—whether it’s a desk, chair, dresser, or vanity, the same steps apply. 

Related: How to Refinish Wooden Furniture

The Materials You’ll Need 

You’ll need a few basic tools and materials in order to complete this project properly: 

  • Drop cloth 
  • Painter’s tape
  • 180- and 220-grit sanding sponges 
  • Damp cloth
  • Primer
  • Paint
  • Paint brush 
  • Safety mask 
  • Sealant 

Type of Primer 

The type of wood you’re working with will dictate what type of primer you use. Wood that isn’t stained needs a high-quality latex or oil-based primer, while wood that is stained needs a stain blocking primer (as does redwood and cedar). Additionally, furniture that has exposed wood, chalking, or chipped paint needs an oil-based primer. Sloan also notes that you should use water-based primer if you’re using water-based paints, and varnish-based products if you’re using varnish-based paints. 

Type of Paint

Experts recommend using chalk paint, which is also known as chalk-finish or chalking paint. It’s an easy and stylish way to improve and transform your furniture, says Gary McCoy, Lowe’s store manager serving the Charlotte, N.C. market. “Different from chalkboard paint, it’s a latex paint that has a fine powder added to the mix to create a unique matte finish,” he says. “The brushstroke and imperfections become part of the unique look.” 

Type of Paint Brush

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What To Do If An Airline Loses Your Luggage

What To Do If An Airline Loses Your Luggage

What To Do If An Airline Loses Your Luggage? Air travel experts share their advice for dealing with missing checked baggage — and minimizing the risk in the first place.

Huffpost.com | By Caroline Bologna | Jul 28, 2022, 05:45 AM EDT

For many years, people felt relatively secure about checking their luggage for a flight. But the chaos of air travel this summer has thrown cold water on that confidence.

The odds of airlines losing your luggage have reportedly “skyrocketed” this year, with massive increases in the numbers of “mishandled” ― i.e., lost, damaged, delayed or pilfered ― bags.

“During the pandemic, many airports and airlines were forced to reduce their workforce in reaction to the restrictions the world was facing,” Alex Miller, founder and CEO of Upgraded Points, told HuffPost. “Now, as these restrictions have been lifted, people are returning to their travels again, leaving airports and airlines struggling to cope with the surge of passengers. This combination of an increased demand, with a shortage of staff, as recruitment hasn’t been able to counterbalance the increase, is leaving many travelers to arrive at their destination without their luggage.”

The result is countless airport photos showing mounds of lost luggage and a lot of frustrated travelers.

Of course, the obvious solution is to pack less and avoid checking a bag, but sometimes that’s just not an option. So what should you do if you find yourself in this situation and end up separated from your bag? Below, experts share their advice.

File a missing bag report.

“The first thing you should do if you notice that your baggage did not arrive at your destination is to report it immediately,” Miller advised. “The airline that you flew on is responsible for ensuring your luggage is delivered to your destination.”

Go to the airline’s baggage desk and have the customer service representative see if they can locate your luggage. It’s possible it was delayed but will arrive on a later flight. Or perhaps it arrived early and was placed in a separate area.

You might also be able to determine your bag’s location on the airline’s mobile app. If the bag is still missing, however, it’s time to file a claim.

“Once you’ve informed airline staff about your missing baggage, it is essential that you file a missing baggage report,” Miller added. “You should provide a detailed description of your luggage, including size, color and material of the bag. The report should also include your current address and contact information so the airline can contact you. You should also keep a note of any reference or tracking number that you receive from the lost luggage desk.”

Find out what compensation you’re owed.

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Hudsonville Community Fair August 22-27, 2022 Barn #2

Find Shield Insurance at the Hudsonville Community Fair!

HUDSONVILLE COMMUNITY FAIR

August 22-27, 2022

Register to WIN a Meta Quest 2 !

Agents of Shield Insurance will be in barn #2 from 10 am to 10 pm. every day of the Hudsonville Community Fair.

Stop by our booth and register to win some great prizes!

The “Biggest Little Fair in Michigan” features great fair food, rides, livestock shows, still exhibits, and the always popular grandstand events. Don’t miss the Motorcross, truck & tractor pulls and all the fun the fair has to offer.

Register to WIN the Meta Quest 2 128BG plus a carrying case!

Hudsonville Community Fair

We are also giving away dining gift cards from various local restaurants…

Register to WIN the Meta Quest2 128BG plus a carrying case! Valued at over $500!
Shield Insurance Agency at Hudsonville Fair
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