Avoid Deadly Distractions Behind The Wheel

Avoid Deadly Distractions Behind The Wheel

Not texting is a start, but there’s more to safe driving.

Here’s the bad news: Distracted driving causes thousands of accidents every year, many of them fatal. The good news? If you’re driving, it’s 100% preventable.

You’ve seen them around your city or town. You may know a few of them.

And you might even be one yourself.

Distracted drivers come in all shapes and sizes, all makes and models. And even if you’re not one today, you could become one at any moment—in the time it takes you to answer your phone, or check the kids in the back seat.

But before you say, “I can talk on my phone and drive just fine,” think about this: According to the National Highway Traffic Safety Administration and U.S. Department of Transportation, in 2016 nearly 400,000 people were injured in crashes caused by distracted drivers—and in 2015, more than 3,400 were killed.

It’s not just about texting, either. Although that is perhaps the most dangerous distraction, there are many others that can impact how you drive, whether you realize it or not. And they can be just as deadly.

Here are just a few of the things that can distract drivers on the road:

  • Talking on the phone, even with a hands-free device
  • Eating or drinking
  • Talking to passengers
  • Grooming (yes, there really are people who apply makeup or shave on their way to work)
  • Reading, including maps
  • Adjusting the stereo

Younger drivers are the most distracted of all—according to the NHTSA, teens were the largest age group reported as distracted at the time of fatal crashes.

With distractions more prevalent than ever—nearly 800 billion text messages are sent in the U.S. every month, for example—how can you, and those you love, be safer behind the wheel?

Here are a few tips:

  • Don’t use the phone: This includes texting as well as talking, unless it’s an emergency. Even hands-free conversations can take your attention off the road.
  • Eat before you leave, or after you get there: Scarfing down that burger with one hand on the wheel means your focus is divided—and you probably don’t have as much control over your car as you should. Bonus benefit: Keeping your meals and your driving separate means you’re much less likely to get ketchup on your pants.
  • Know where you’re going: Nobody likes to be lost. But messing around with your car’s GPS (or the maps app on your smartphone) while you’re moving can lead to something you’ll hate even more—an accident.
  • Talk to your family about safe driving: Having a conversation with your spouse as they’re driving home? That’s a perfect opportunity to say, “I’ll let you focus on the road; we can talk when you get here.” And if you have young drivers in the household, be sure to have a conversation about their phones and other potential issues, such as their passengers—a key distraction for teens.
  • Watch for other distracted drivers: Just because you aren’t distracted doesn’t mean that other drivers are focused on safe driving. Stay in control and be vigilant—you’ll be ready to react when someone else makes the wrong move.

Distracted driving isn’t just “one of those things” that happens, like a tire blowout or mechanical failure that isn’t anyone’s fault. It’s 100% preventable—and by committing to avoiding distractions while you drive, you’ll help make the road safer for everyone.

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Safety Items To Keep In Your Car – Winter Edition

You keep your home stocked with emergency supplies. (Right?)

What about your car?

During winter, extreme weather and road conditions can lead to all kinds of trouble when you’re commuting or traveling – crashes, being stranded, getting lost, or stuck. And cold temperatures make those situations more dangerous than usual.

So keep a stockpile of emergency items in your car, just like you do in your house. In the best-case scenarios, you’ll never have to use them or they’ll help keep you comfortable for an hour or so while you wait for a tow truck to arrive. But, if you’re ever caught in a truly sticky situation, they just might be key to your survival.

The folks at the Michigan Emergency Management Program as you can imagine, are quite familiar with the perils of winter travel. So don’t just take our word for it.

Here are some safety item recommendations for what to keep in your car to help keep you safe in the snow and ice:

  • A shovel, tire chains, tow rope and sand or cat litter: All of these can help you get your car unstuck. And jumper cables are always good to have in your car, too.
  • A windshield scraper: Preferably one with a brush attached.
  • Blankets, sleeping bags, gloves and extra clothing: Staying warm is crucial while you wait for help – especially if you don’t know how long you’ll be waiting.
  • Bottled water and snack food, such as energy bars, peanut butter and raisins: It could be hours before you get moving again, so you need to stay hydrated and nourished.
  • A first-aid kit: Keep one in your car no matter the time of year.
  • A battery-powered or hand-crank radio: Listen to weather updates, information on emergency response efforts, etc. while conserving your car’s battery.
  • Emergency flares, reflectors and a battery-powered or hand-crank flashlight: All of these will help you attract attention and help other drivers avoid you.

Your kit doesn’t have to be limited to the above, of course. Feel free to add items that suit your individual needs. But, most importantly, keep the kit in your car at all times.

Keep these additional safety tips in mind:

  • Keep your vehicle well maintained (and gassed up).
  • Create a trip plan and share it with friends or family.
  • Stay in your car if you get stuck. Walking to find help is an easy way to get lost and separated from others in your party.
  • To reduce battery drain, only use your emergency flashers if you hear vehicles approaching. You can keep your dome light on to remain visible.
  • Contact Shield Agency and add roadside assistance to your car insurance policy for help in an emergency.

Remember, it doesn’t take much time or money to prepare an emergency kit. It’s the potential cost of not having one that is enormous.

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Ice Dams Create Roof Danger

You may be feeling cozy and warm in your home as the snow serenely falls outside. But, up on your roof, a dangerous situation could be forming – one that can compromise your roof and lead to water damage inside your home. It’s all the result of an ice dam. If you live in a snowy area and you’re not familiar with what an ice dam is, it’s imperative that you read on.

What Is an Ice Dam?

An ice dam is a ridge of ice that forms along the edge of your roof and prevents snowmelt from running off. It often occurs because heat from the attic warms the middle of your roof, causing snow to melt. When that runoff reaches the eaves, or overhang, of your roof, the cooler surface temperature (there’s no heat rising from inside your home to this part of the roof) can cause the water to refreeze. As this happens over and over, an ice dam forms, preventing melted snow from running off your roof.

Do Ice Dams Cause Damage?

Yes, ice dams cause the water from melted snow to back up under the shingles of your roof and into your home – the water doesn’t have anywhere else to go. This can damage your roof, not to mention your interior. And, remember, water damage can lead to toxic mold inside your home.

How Can I Prevent Ice Dams?

An easy way to help prevent ice dams is to keep your eaves, gutters, downspouts, and drains clear. This way water can drain away from your home as the snow melts on your roof. It’s ideal to have your gutters cleaned out before the snow season even begins. While you’re at it, install gutter screens for added protection.

Here are some other ways to help prevent ice dams:

  • Keep your attic cool. Proper insulation between your living areas and attic will help keep warm air from escaping into your attic and warming your roof. Ideally, during a snow storm, your attic won’t be more than 10 degrees warmer than the temperature outside.
  • Remove snow with a roof rake. Only if you can safely do so, remove accumulated snow from your roof using a long-handled roof rake, a specialized tool for clearing roofs, that won’t damage your roofing material. Do this from the ground. Never climb on top of a snowy roof.
  • Update your roof with materials that help prevent ice dams. These include a rubberized, water-repellent membrane underneath the shingles and a heating cable along the eaves. For either installation, consult a professional.

Ice dams may not be the first thing you think about once the snow stops coming down. After all, there’s the sidewalk and driveway to clear. But, for the sake of your roof and the integrity of your overall home, it’s important to keep an eye out for this winter roof danger.

So, how can you spot ice dams? Icicles may be a sign of ice dams, a buildup of snow and ice along your eaves that blocks water runoff. Discolored ceilings or walls may indicate that your ice dam has turned into a leak.

Remember, in the midst of this harsh winter, it’s important to keep your gutters clear, your roof updated and an eye out for the signs of ice dams. If you suspect trouble, call a trusted roofing contractor at once.

Need Homeowners Insurance Coverage?

Talk to Shield Agency about homeowners insurance coverage that’s right for you.

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Top ten of the most extravagant Celebrity insurance policies

Shield Insurance Blog | Celebrity Insurance |

Celebrity insurance: Top ten of the most extravagant insurance policies

To insure one’s house, one’s car or to underwrite a life insurance policy, that is common practice. But who would pay an insurance premium for his/her thumb, legs, or smile? Stars, of course.

Stars are underwriting new policies which are more and more common and are sometimes deemed «unreasonable», much to the delight of insurers who make these policies their flag bearer.

Zoom on celebrities’ most extravagant insurance covers

  1. At the top of the ranking are the legs of Mariah Carey, worth 810 million USD: The diva became, in 2006, the Gillette brand muse for the advertising campaign «Legs of a Goddess». She then took out an insurance policy with London Lloyds to protect her legs, a decision that is far from insignificant. Among its customers, the London insurer then included several icons of music, such as Bob Dylan and Rod Stewart.
  2. David Beckham’s body was insured for 195 million USD: European champion with Manchester United in 1999, David Beckham was in 2006 the most renowned footballer on the planet. In relation to his sporting activities, he took out an insurance cover for his legs. The huge amount paid for his insurance would reportedly exceed the 103 million USD disbursed by Real Madrid for the cover of Christiano Ronaldo in 2009. The fashion model would later extend his insurance cover to his entire body.
  3. The singer Taylor Swift insured her legs for 44 million USD: At only 28, the singer estimated the value of her legs at 44 million USD. The perfectly-proportioned star decided to purchase a cover for her legs before her world tour in May 2015.
  4. Julia Roberts’ smile is worth 24.5 million USD: Crowned on several occasions the «most beautiful woman in the world», Julia Roberts, the «pretty woman», is endowed with the priciest smile in the history of the cinema. A smile that is beautiful enough to be insured for the sum of 24.5 million USD.
  5. 15 million USD in insurance for Kim Kardashian’s curves: The curves of Kim Kardashian are her number one beauty asset. The reality TV star, who is crazy about plastic surgery, has underwritten an insurance policy worth 15 million USD to protect her famous butt.
  6. The pilot of Formula 1 Fernando Alfonso insured his thumbs for 11.7 million USD: The double world champion took out a cover for his thumbs. A bargain for his insurance company put the Formula 1 pilot in the spotlight in order to promote their new insurance program. The cover was underwritten in 2010, a few days before the Barcelona Grand Prix, as part of a road accidents campaign for the promotion of life insurance.
  7. America Ferrara, star of the TV show «Ugly Betty», insured her smile for 11.5 million USD: In 2007, America Ferrara played the role of an assistant with a repulsive metallic smile in the series «Ugly Betty». She was then contacted by the brand of dental products Aquafresh. Within the framework of her partnership with Aquafresh, the actress took out an insurance cover to protect her teeth and her gums for the amount of 11.5 million USD. Part of the sales of the Aquafresh metal trays was devoted to the charitable organization «Smile for Success». This action will make America Ferrara one of the first ambassadresses of Lloyd’s of London.
  8. Bruce Springsteen has insured his voice for 9.3 million USD: While female singers would rather insure their legs or their breasts, the singer Bruce Springsteen has insured his vocal cords for 9.3 million USD; Once again, and like other celebrities, it is with Lloyd’s that the singer has underwritten his policy.
  9. Keith Richards insured his finger for 1.7 million USD: The Rolling Stones guitarist insured his right middle finger for the amount of 1.7 million USD. A work tool that is worth gold for the guitarist, making him essential for the group.
  10. The culinary critic Egon Ronay assured his taste buds: The famous Hungarian culinary critic has insured his taste buds since 1957, for the amount of 400 000 USD. An original insurance policy that allows him to cover his sense of taste without which he will no longer be able to practice his job.

source: Atlas Magazine, July 2018


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Prismatica on Monroe

If you are looking for something to do, outside, even if it is cold, there are some great things going on in downtown Grand Rapids MI.
Check It Out Here!

Prismatica on Monroe
Fri, Jan 17, 202012:00 PM Sun, Feb 16, 202011:00 PM
Monroe North Lot (map)
“An infinite interplay of lights and colorful reflection…”

We are thrilled to bring a new interactive light installation called “Prismatica” to the World of Winter Festival this year. Prismatica is a collection of light prisms that have toured the world, adding energy and creativity to urban business districts. The interactive installation includes 25 pivoting prisms, creating a modern ice palace that transmits and reflects color and light. As the prisms rotate, a soundtrack of bells plays in the background. Downtown Grand Rapids will host Prismatica at 555 Monroe Ave. NW from January 17 to February 16, 2020.

Conception and execution: RAW Design in collaboration with ATOMIC3

Production: Quartier des Spectacles Partnership, Montreal, Canada

Snowshoe at the Park

  • Tuesday, January 28, 2020
  • 6:00 PM  7:00 PM
  • Ah-Nab-Awen Park (map)

Feel the crunch of the snow under your feet and enjoy nature at this FREE spectacular snowshoeing event led by Friends of Grand Rapids Parks. Snowshoes will be provided. Don’t forget to dress warm!

Movies on the Piazza

  • Saturday, February 1, 2020
  • 11:00 AM  7:00 PM
  • Studio Park (map)

It’s summertime in February! Join us as we show summer-themed movies at the new Studio Park piazza. Enjoy hot-toddies, cocktails, popcorn, food trucks, s’mores, movie-themed programming and fun activities between each movie. Don’t forget to get photos taken with Disney’s Moana!

There will be fire pits – but dress warm anyway!
Camping chairs are available on-site for free rental.
All movies will be played in English with Spanish subtitles

Black History Walking Tour

  • Saturday, February 1, 2020
  • 12:00 PM  1:00 PM
  • Rosa Parks Circle (map)

Join your tour guide for a FREE walk through Grand Rapids’ Black history.

The tour starts at Rosa Parks Circle. To register, visit: http://grandrapidsrunningtours.com/registration/

Registration is not required but is strongly encouraged.

Dance in the Annex at Prismatica

  • Sunday, February 2, 2020
  • 2:00 PM  3:00 PM
  • Monroe North Lot (map)

Experience the Prismatica light installation alongside a performance by Dance in the Annex (DITA)!

“With bated breath: we move like colors” is an original concept structured improvisation that will activate the spaces in and around Prismatica for the World of Winter Festival. With the colorful lights and sounds of the Prismatica sculptures as inspiration, DITA will present this site-specific contemporary dance piece in collaboration with percussionist Josh Dunigan.

Dancers: Kara Brems, Jessica Ferguson, Hannah Sullivan, Nicole Reehorst, Amy Wilson

Live musical accompaniment: Josh Dunigan

Photo credit: Art Peers

Snowga

  • Thursday, February 6, 2020
  • 6:00 PM  7:00 PM
  • Monroe North Lot (map)

Get your downward dog on at this FREE outdoor run and yoga event! Attendees will meet at 555 Monroe Ave. NW at 6:00 PM before heading out for a 20-minute warm-up run. Then, we will regroup at 555 Monroe for a 25-minute yoga session. No mat needed. Don’t forget to wear warm workout clothing! ??‍♀️

Register here: https://runsignup.com/Race/MI/…

Don’t forget to check out Prismatica, the rainbow light installation, while you’re there!

Downtown Market Ice Bar

  • Friday, February 7, 2020
  • 4:00 PM  8:00 PM
  • Downtown Market Grand Rapids (map)

Grab a drink from a bar made of ice and embrace the cold with some frozen tundra yard games!

Human Hungry Hungry Hippo Tournament

  • Sunday, February 9, 2020
  • 12:30 PM  7:00 PM
  • Rosa Parks Circle (map)

Your favorite board game comes to life in this human version of Hungry Hungry Hippos! Adult and family divisions are available at this awesome Downtown extravaganza.

Registration is required and now open!

Note that each team consists of six players. Registration is $60 per team. The winners get awesome prize packages!

Adult Division = All players 18+
Family Division = Minimum of (2) adults 18+ as well as minimum (2) kids under 18 years of age

Learn how the game works here: https://www.facebook.com/watch/?v=1972521926114953

Food trucks will serve on-site.

Valent-ICE

  • Fri, Feb 14, 202012:00 PM  Fri, Feb 21, 20209:00 PM
  • Downtown Grand Rapids (map)

Celebrate winter with a gallery of ice in Downtown Grand Rapids! This annual World of Winter attraction showcases over 50 ice sculptures all throughout Downtown. You can do a self-guided tour of these amazing works of art… or join one of our ice sculpture walking tours so you don’t miss any of them!

Ice Sculpture Walking Tour

  • Friday, February 14, 2020
  • 6:00 PM  7:00 PM
  • Rosa Parks Circle (map)

Downtown Grand Rapids transforms into a gallery of ice with over 50 beautiful ice sculptures all over our amazing city. Make sure not to miss a single ice sculpture by joining our FREE guided tours led by Grand Rapids Running Tours!

Bundle up and walk with your tour guide to learn more about sub-zero art and their interesting backstories.

All tours start at Rosa Parks Circle.

To register for a walking tour, visit:
http://grandrapidsrunningtours.com/registration/

Registration is not required but is strongly encouraged.

Love on Ice

  • Friday, February 14, 2020
  • 6:00 PM  10:00 PM
  • Rosa Parks Circle (map)

Why spend Valentine’s Day inside when you can enjoy a unique Downtown experience with 2 for 1 ice skating and FREE professional photographs in front of our interactive ice installation?

Don’t miss out on a V-Day to remember!

This event is dog-friendly.

Love on Ice is sponsored by Camp Bow Wow.

Paint the Park

  • Saturday, February 15, 2020
  • 11:00 AM  6:00 PM
  • Rosa Parks Circle (map)

Ain’t no party like a community ice painting party! Grab a brush and help us paint the ice at the Rosa Parks Circle Ice Rink. Make your mark Downtown and beautify our city as a community. Please note that painting stops at 4 PM or when the ice rink runs out of painting space.

We’re also closing down Monroe Center in front of Rosa Parks Circle for a street party!

ACTIVITIES INCLUDE:

  • Food trucks serving on-site
  • Get your pictures taken with Queen Elsa & Princess Anna from Disney’s Frozen!
  • “Ice Breaker” – live ice carving of the 5000-pound community sculpture
  • Ice rink open for skating from 6:00 PM
  • Check out our partner booths featuring games and other activities

Be sure to visit the web site for additional dates and times!

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Just How Bad is Soda for Your Teeth?

Soda, pop or soda pop. Whatever you call it may likely depend on where you live or what region of the country you grew up in. But, the bottom line is they can be bad for your oral health and deliver a blow to your teeth.

Sugar itself doesn’t do the damage, but the bacteria in your mouth feeds on the sugar to create acid, and that can erode the enamel that protects your teeth.  Soda itself is very acidic. Between the bacteria feeding on the sugar and creating acid, every time you sip, soda starts an acid attack that lasts about 20 minutes. These ongoing acid attacks weaken the tooth enamel. This leads to an increased chance of, you guessed it, tooth decay.

If you’re a soda drinker, we’re not going to ask you to stop, but we do have some quick tips to help reduce any potential harm they may cause:

  • Cut back. Drink soda in moderation. Try not to have more than one a day.
  • Don’t let it linger. The longer it takes to drink a soda, the more time the sugars and acids have to damage your teeth.
  • Rinse. If brushing isn’t an immediate option, rinse your mouth with water after drinking a soda. Flushing your mouth with some water will help wash away any remaining sugars and acids.
  • Drink plenty of water, possibly in place of that extra soda you may have. Fluoridated tap water is best for your teeth.
  • Brush with a fluoride toothpaste and floss.

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Dental Basics presented by Delta Dental

What are dental basics of cavities?

A tooth cavity is a hole in your tooth caused by tooth decay. Tooth decay occurs when your enamel breaks down, usually from plaque and bacteria in your mouth that eat away at your tooth. Tooth decay may take years to develop into an actual cavity. Caught very early, tooth decay may even be reversed through the use of fluoride or other preventive care you can discuss with your dentist.

What are some causes of cavities?

  • Bacteria in your mouth.
  • It’s not just about candy and soda. Cavities can also be caused by frequent consumption of starchy, refined carbohydrate foods such as chips, crackers and cookies and high sugar drinks such as fruit juices and energy or sports drinks.
  • Not keeping up with your daily oral health routine, including brushing and flossing.

How can I prevent tooth decay?

  • Brush with fluoride toothpaste twice a day, and floss regularly.
  • Eat nutritious meals and limit snacking and sugary treats.
  • Check with your dentist about the need for topical fluoride and sealants to protect you or your child’s teeth from tooth decay.
  • Visit your dentist regularly for preventive care.

Contact Shield Agency for details on a dental policy with Delta Dental

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Insurance Terms Important to Know - Shield Insurance Agency Blog

Common Insurance Terms Made Easy

Insurance can be confusing…we get it! But we’re here to help provide you with a better insurance experience. Learn more about what these common insurance terms mean so you can be prepared when looking for a policy.

For customer information or to get a quote, please visit our website at www.ShieldAgency.com .

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2019 Tax Season Is Here!

Here’s how to prepare

Attention: 2019 tax filing season has started. Here’s what you can do now to get ready.

3 steps to get ready for 2019 tax season filing:

  1. Look for Form 1095-A.
    • If you or anyone in your household had a 2019 Marketplace plan, you’ll get Form 1095-A, Health Insurance Marketplace Statement in the mail by early February. It comes from the Marketplace, not the IRS.
    • It may also be available online in your HealthCare.gov account.
  2. Check Form 1095-A for accuracy.
    • You’ll use Form 1095-A to “reconcile” your premium tax credit if you used advanced payments of the premium tax credit to lower your monthly premium payment, so it’s important the information on it is correct. If you file with an incorrect version, you may need to file an amended return later.
    • Confirm things like your coverage and household information, monthly enrollment premium, and “second lowest cost Silver Plan” (SLCSP).
    • If you find errors, contact the Marketplace Call Center. We’ll send you an updated copy. Wait to file until you have it.
  3. Use your correct 1095-A to “reconcile.”
    • Now that you have an accurate 1095-A and second lowest cost Silver plan premium, you’re ready to fill out Form 8962, Premium Tax Credit.
    • See this step-by-step guide to reconciling for next steps.
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Free Preventive Medical Services in 2020

Shield Insurance Blog | Preventive Medical Services | Health Insurance |

With Marketplace coverage, you have access to free preventive services, like flu shots, check-ups, and screening tests. Getting these recommended services is an important step toward good health and well-being.

  • Preventive services are routine health care procedures, like screenings, check-ups, and counseling to prevent illnesses, diseases, and other health problems.
  • Taking advantage of these free services can help detect illness early, when treatment is likely to work best, so talk to your provider about what’s right for you.
  • Note: Preventive services are free only when provided by a doctor or other provider in your plan’s network. (A network is the facilities, providers, and suppliers your health insurer has contracted with to provide health care services. Contact your insurance company to see which providers are “in-network.”)

Where can I learn more about preventive medical services?

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