Neighbors Call Cops On Kid Trying To Mow And Save For PS5. Guess what happens next?

PS5 Drives Kids to Raise Funds

Neighbors Call Cops On Kid Trying To Mow And Save For PS5. The Cops Pitch In And Buy The Kid A PS5

SunnySkyz.com | PS5 | Shield Insurance Blog | Start A Quote Today! | August 1, 2023

A heartwarming incident unfolded in Hapeville, Georgia, when a young boy, determined to earn money to buy a PlayStation 5 (PS5), faced an unexpected hurdle as neighbors called the police on him.

cops buy kid ps5
City of Hapeville Police

The ambitious boy had set his sights on owning a PS5 and decided to raise money for the console by offering lawn-mowing services to neighbors in his community.

However, neighbors wanted the juvenile removed from the area and called the police.

“Officer Colleran made contact with a young man that explained he was in the area because he wanted to do yard work: pulling weeds, cutting grass, and trimming hedges to save up for a PlayStation. The young man was polite, respectful, and truthful,” the Hapeville police department explained.

cops buy kid ps5
City of Hapeville Police

Officer Colleran, a gamer himself, was so impressed with the young man that he decided to help him reach his goal.

Officer Colleran and some of his friends came together to get the video game system and even a gift card to pay for the membership so the boy could play immediately.

A PS5 costs $500 and a membership is $10 a month.

“Officer Colleran made sure that this young man knew they would play on the same team online soon!” the department said.

The Playstation has come a long way!

PS5 or PlayStation 5

The PlayStation 5 (PS5) is a home video game console developed by Sony Interactive Entertainment. It was announced as the successor to the PlayStation 4 in April 2019, was launched on November 12, 2020, in Australia, Japan, New Zealand, North America, and South Korea, and was released worldwide one week later. The PS5 is part of the ninth generation of video game consoles, along with Microsoft‘s Xbox Series X/S consoles, which were released in the same month.

The base model includes an optical disc drive compatible with Ultra HD Blu-ray discs. The Digital Edition lacks this drive, as a lower-cost model for buying games only through download. The two variants were launched simultaneously.

The PlayStation 5’s main hardware features include a solid-state drive customized for high-speed data streaming to enable significant improvements in storage performance, an AMD GPU capable of 4K resolution display at up to 120 frames per second, hardware-accelerated ray tracing for realistic lighting and reflections, and the Tempest Engine for hardware-accelerated 3D audio effects. Other features include the DualSense controller with haptic feedbackbackward compatibility with the majority of PlayStation 4 and PlayStation VR games, and the PlayStation VR2 headset.

History of PS5


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Insurance 101 for Beginners

Insurance 101 for Beginners

Shield Insurance Blog | Insurance | Start a Quote Today!

What do I need to Know About Insurance?

Insurance is a crucial aspect of our lives that provides financial protection and peace of mind. Whether it’s car insurance, homeowners insurance, or any other type of insurance, understanding the basics is essential. In this blog post, we will explore the fundamental concepts of insurance, different types of insurance, and why it is important to have the right coverage.

Insurance is a contract between an individual or business and an insurance company. The individual or business pays a premium, and in return, the insurance company agrees to provide financial protection in the event of a covered loss. The purpose of insurance is to transfer the risk of potential financial loss from the insured to the insurance company.

Basic Terms and Definitions

To understand insurance better, it is essential to familiarize yourself with some basic terms and definitions. Here are a few key terms:

  • Premium: The amount of money paid to the insurance company for coverage.
  • Deductible: The amount the insured must pay out of pocket before the insurance company starts covering the loss.
  • Policy: The contract that outlines the terms and conditions of the insurance coverage.
  • Coverage: The specific protection provided by the insurance policy.
  • Claim: A request made by the insured to the insurance company for compensation for a covered loss.

Car Insurance for Beginners

Car insurance is one of the most common types of insurance that people need. It provides financial protection in case of accidents, theft, or damage to your vehicle. Here are a few things to consider when getting car insurance:

  • Liability Coverage: This coverage pays for damages and injuries you cause to others in an accident.
  • Collision Coverage: This coverage pays for damages to your vehicle in case of a collision.
  • Comprehensive Coverage: This coverage pays for damages to your vehicle caused by events other than collisions, such as theft or natural disasters.

Renters and Homeowners Coverage for Beginners

If you rent or own a home, it is crucial to have renters or homeowners insurance to protect your belongings and property. Here are a few key points to consider:

  • Renters Insurance: This type of insurance provides coverage for your personal belongings in case of theft, fire, or other covered events. It also provides liability coverage in case someone gets injured in your rented property.
  • Homeowners Insurance: This insurance covers your home and belongings against damage or loss caused by covered events. It also provides liability coverage and additional living expenses if your home becomes uninhabitable.

What other types of Insurance are there?

Apart from car insurance and homeowners/renters insurance, there are several other types of insurance that you may need depending on your circumstances. Some common types include:

  • Health Insurance: This insurance provides coverage for medical expenses and can help protect you from high healthcare costs.
  • Life Insurance: Life insurance provides financial protection to your loved ones in case of your death. It can help cover funeral expenses, pay off debts, and provide income replacement.
  • Disability Insurance: This insurance provides income replacement if you become disabled and are unable to work.
  • Umbrella Insurance: Umbrella insurance provides additional liability coverage beyond the limits of your other insurance policies. It can protect you from large lawsuits and claims.

Protection, Family, and Shield Agency

Insurance is all about protection, especially when it comes to your family and assets. Shield Insurance Agency understands the importance of having the right coverage and represents over 40 insurance companies to provide you with the best options. Whether you need car insurance, homeowners insurance, or any other type of insurance, Shield Insurance Agency can help.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Don’t wait until it’s too late – protect yourself and your loved ones with the right insurance coverage.


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Medicaid in Michigan: What You Need to Know

Medicaid in Michigan: What You Need to Know

Shield Insurance Blog | Medicaid in Michigan | Contact Brianna or Carlos for details! | Shield Quoting Portal

When it comes to health care, Medicaid in Michigan is one of the most important and beneficial programs available to residents. Understandably, many people have questions about Medicaid in Michigan, particularly when it comes to eligibility, services covered, and the unique circumstances surrounding the program. In this blog post, we’ll dive into what Medicaid is, who can qualify, what it covers, how it works, and more. We’ll also examine how Medicaid in Michigan responds to economic downturns and emergencies, and how residents feel about the program. Finally, we’ll explore how Shield Insurance Agency can help you find a plan that fits your budget and needs.

What is Medicaid?

Medicaid is a joint state and federal government program that serves as a social safety net for some of the nation’s most vulnerable populations. Medicaid provides a range of services from preventative care, to doctor’s visits and hospital stays, to long-term in-home and nursing home care. These services and the program’s specifics may vary across states.

Who Qualifies for Medicaid in Michigan?

The Medicaid program is broad in its range of eligible applicants. It is open to both children and adults with low- to moderate levels of income. In Michigan, the qualifications for … Medicaid income differ depending on family size, though applicants must also meet other factors such as age, residency, and assets.

What Does Medicaid Cover?

Medicaid in Michigan covers a range of services to its beneficiaries from hospital visits and physician services to long-term nursing home care and home health care. It also provides certain preventive care services, such as annual checkups, immunizations, vision, and dental care. Other services such as mental and behavioral health treatment and substance abuse treatment may also be covered.

How Does Medicaid in Michigan Work?

In Michigan, Medicaid works through a partnership between the Michigan Department of Health and Human Services (MDHHS) and several other organizations. MDHHS runs the program and sets guidelines, while individual counties are responsible for determining eligibility for Medicaid benefits and providing services. If an individual meets the requirements, they may receive services from local county agencies or from managed care organizations (MCOs), which are organizations that contract with the state to provide Medicaid-covered services.

What are Demonstration Waivers?

Demonstration waivers are federal waivers that can be applied for by states, allowing them to adopt Medicaid programs tailored to meet the needs of their constituents. States can design their own Medicaid programs based on the demonstration waiver, and these programs may include different eligibility criteria, benefits, and service delivery methods than those available under the traditional Medicaid program. Demonstration waivers must be approved by the federal government before they can go into effect.

How Does Medicaid Respond To Economic Downturns and Other Emergencies?

During challenging economic times, the Medicaid program can serve as an important piece of safety net to assist vulnerable populations. In response to the COVID-19 pandemic, the state of Michigan created an emergency assistance program to help people who were laid off, lost wages, or are otherwise financially disadvantaged due to the pandemic. This program allows qualifying applicants to receive enhanced Medicaid benefits.

How Does the Public Feel About Medicaid in Michigan?

In general, the public has a positive opinion of the Medicaid program as it helps those who need it the most. For individuals who are eligible, Medicaid can provide financial security and access to needed medical care that may not otherwise be available. Though some criticism does exist, Medicaid is a widely popular program and receives a considerable amount of public support.

Shield Insurance Agency: Finding the Right Plan for You

Shield Insurance Agency specializes in health care plans, including plans that provide Medicaid coverage in Michigan. Representing over 40 insurance companies, Shield Insurance Agency can help you find a plan that meets your needs and fits within your budget. To get started, contact Shield Insurance Agency at (616) 896-4600 for a free quote today, or you can start the quoting process by visiting our website and an agent will be in touch soon.

Shield Insurance Blog | Medicaid in Michigan | Contact Brianna or Carlos for details! | Shield Quoting Portal


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Hired and Non-Owned Auto Liability Insurance and Its Benefits Explained

Hired and Non-Owned Auto Liability Insurance and Its Benefits Explained

Shield Insurance Blog | Hired and Non-Owned Auto Liability Insurance | Business Insurance | Quoting Portal

What is hired and non-owned auto liability insurance?

Hired and non-owned auto liability insurance is a type of coverage that provides protection for businesses in the event of accidents or damages involving vehicles that are not owned by the company. This insurance is essential for businesses that rely on the use of vehicles, whether they are rented, leased, or owned by employees.

Hired auto coverage refers to insurance that protects a business when they rent or lease a vehicle for business purposes. This coverage typically includes liability insurance, which covers bodily injury and property damage that may occur as a result of an accident involving the rented or leased vehicle. It may also include coverage for physical damage to the rented or leased vehicle itself.

Non-owned auto liability coverage, on the other hand, provides protection for businesses when employees use their personal vehicles for business purposes. This coverage is important because personal auto insurance policies typically exclude coverage for accidents that occur while using a vehicle for business purposes. Non-owned auto liability insurance fills this gap and ensures that the business is protected in the event of an accident involving an employee’s personal vehicle.

It’s important to note that hired and non-owned auto liability insurance is not the same as commercial auto insurance. Commercial auto insurance is specifically designed for businesses that own vehicles and covers a wide range of risks associated with those vehicles, including liability, physical damage, and other types of coverage. Hired and non-owned auto liability insurance is meant to supplement commercial auto insurance or provide coverage in situations where a business does not own any vehicles.

So, why is hired and non-owned auto liability insurance important for businesses? Here are a few key reasons:

1. Protection against liability: Accidents happen, and if a business is found liable for bodily injury or property damage resulting from an accident involving a rented, leased, or employee-owned vehicle, the costs can be significant. Hired and non-owned auto liability insurance provides coverage for these potential liabilities, protecting the business from financial loss.

2. Peace of mind: Knowing that your business is protected in the event of an accident involving a hired or non-owned vehicle can provide peace of mind. It allows you to focus on running your business without worrying about the potential financial consequences of an accident.

3. Compliance with contracts and agreements: Many contracts and agreements require businesses to carry certain types and amounts of insurance, including hired and non-owned auto liability insurance. By having this coverage in place, businesses can ensure that they are in compliance with these requirements and avoid potential legal issues.

4. Coverage for employees’ personal vehicles: If your business relies on employees using their personal vehicles for business purposes, it’s important to have non-owned auto liability coverage. This coverage protects both the business and the employee in the event of an accident, ensuring that medical expenses and property damage are covered.

In conclusion, hired and non-owned auto liability insurance is a crucial type of coverage for businesses that use vehicles but do not own them. It provides protection against liability, offers peace of mind, ensures compliance with contracts, and covers employees’ personal vehicles. If your business falls into this category, it’s important to consider obtaining this insurance to protect your business and its assets.

Shield Insurance Agency represents over 40 insurance companies and can help you find the right hired and non-owned auto liability insurance policy for your business. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.


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Meet the young graduate who lives in a nursing home

Nursing Home and the graduate who lives there

Positive News.com | by Oliver Balch | July 24, 2023 | Nursing Home | More Blog Articles

Meet the young graduate who lives in a nursing home

There aren’t many twentysomethings who would opt to live in an old people’s home, but for broke student Teun Toebes, it’s an experience that has changed his life – and the lives of his housemates

Cake, candles, banter, games, laughter, fresh air. Teun Toebes remembers his recent birthday as a total blast. He and his pals – Christi, Janny, Jopie, Ad. All of them just hang out, shooting the breeze, savoring the moment, and enjoying life.

It doesn’t bother him that they are all at least three times his age. Nor that they might have forgotten the event by now. They are his housemates. The people who this 24-year-old care ethics graduate has chosen to live with – first as a broke student researcher looking for a cheap room, now as a friend, ally, and campaigner.

Ad is his best friend in the care facility in the small Dutch town of Amstelveen that Toebes has called home for the last couple of years. As with all the venue’s elderly residents, Ad lives with dementia.

A former electrician and father of two, 78-year-old Ad is one of 55 million people worldwide with the condition. On average, most will live eight to 10 years after their initial diagnosis – the latter part of which many in the industrialized north will spend living in institutional care.

Toebes’ first exposure to the condition came as a 17-year-old intern in a local nursing home. Three years later, his great-aunt Greet was diagnosed with Alzheimer’s and came to live there. The serendipity allowed him to care for her directly, an experience that left him with a strange sense of privilege.

Despite Greet’s confusion, she read his moods and called him “my boy”; he, in turn, washed her, laughed with her, and, ultimately, coordinated her palliative care at the end. From that moment on, Toebes became convinced that it’s not only possible to connect with people with dementia but also to enjoy a lasting and reciprocal relationship.

Regrettably, that isn’t how institutional care in Europe and the UK works. Individuals like Greet stop being someone’s sister, someone’s neighbor, or someone’s lover; instead, they become someone primarily defined by their condition.

“Dehumanising” is the word Toebes comes back to most often to describe the situation. As he puts it: “I live together with the most beautiful 130 housemates, but they are all sorted together according to their dementia, the system sees them as the same.”

The most startling result of this logic is the restrictions. In Toebes’ facility, the doors are kept locked. Even access to the garden is restricted. So, for his birthday party, he had to request the key from the care home’s authorities. The latter cites understandable safety concerns, yet the parallels with the penitentiary system are as unavoidable as they are unfortunate. Hairdressers, doctors, dentists – all are brought into the facility, extreme risk-aversion means there are few opportunities for the residents to go out.

I live together with the most beautiful 130 housemates

Inside, protocols reign. If the temperature tops 30C, everyone must eat ice cream. The risk of salmonella means no soft-boiled eggs. ‘Care’ trumps ‘home’ every time, adds Toebes. Just consider the décor: a 200-meter-long corridor, easy-to-wipe tile flooring, strip lights everywhere, and walls with safety notices as decoration.

The effect of such a “surrealistic nobody’s land” on people’s identities is profound, he believes. Even the toilet habits of residents are monitored. ‘Firm’, ‘watery’, ‘discolored’: down it all goes, recorded in his housemates’ medical dossiers.

“If you’re reading in your mother’s records what kind of sh*t she has every day, then you will start seeing her more and more as a patient.

He doesn’t hold individual carers to blame. In a way, they too are subjects of a system that, as Toebes puts it, places “control and safety” above “happiness and being together”. To combat this, Toebes introduced Friday drinks, camping evenings, and trips to visit grown-up children for the residents, small things that have transformed the torpid atmosphere of the care home.

To kick off a conversation about what an alternative, people-centered dementia care might look like, Toebes has penned a book – The Housemates, out in English in August – already a No.1 bestseller in the Netherlands.

He recently set off on a tour of 11 countries on four continents to see how other nations approach dementia care, making a documentary that will be screened at a G20 summit on the disease later this year.

If we keep seeing the human being, he or she never really disappears

Each country adopts a slightly different strategy, he discovered. In South Korea, for instance, the emphasis weighs heavily on prevention through healthy lifestyle habits. In South Africa, the focus is on care within the family. In Moldova, residential care is not segregated by disease, meaning dementia-only facilities don’t exist.

His main takeaway lessons? Firstly, money alone won’t solve the problem. The UK spends £14.2bn a year caring for people living with dementia. That comes out of people’s taxes. Yet, it’s money for a system that no taxpayer in their right mind “would ever want to live in”.

An even more important lesson: everyone needs freedom and friendship, whatever their condition. Even if their mind is lost to dementia? Even then, he insists: “If we keep seeing the human being, he or she never really disappears.”

Positive News.com


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Choose a health insurance plan that meets your specific needs

Peace of Mind: Understanding the Importance of Health Insurance for Your Well-Being

Shield Insurance Blog | Health Insurance | Start a quote today! Contact Brianna or Carlos for help

Health insurance is an important aspect of life in Michigan. Understanding the different types of health insurance, key terms, availability, and cost is vital to finding the right policy for you. Shield Insurance Agency understands the importance of finding the best health insurance plan for you and they have the expertise to help determine the best coverage to fit your needs. Read on to learn more about health insurance in Michigan, including HMOs, PPOs, HRAs, HSAs, and more.

HMOs and PPOs

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are two common types of health insurance. HMOs are health insurance plans that provide access to a network of healthcare providers and usually require referrals in order to see a specialist. PPOs also provide access to a network of healthcare providers, but they allow you to choose your own doctors and do not require referrals. Both have different structures that affect how much you pay for services and how much deductible and copayments you pay.

HRAs and HSAs

Health Reimbursement Arrangements (HRAs) are employer-provided plans that allow employees to set aside pre-tax dollars to use for eligible medical expenses. Health Savings Accounts (HSAs) are also employer-provided plans that allow employees to save pre-tax dollars to use for eligible medical expenses. They are similar to 401k accounts, in that investments are allowed and the money rolls over from year to year. Both of these accounts can be used to help pay for out-of-pocket medical expenses, such as copays and deductibles.

Key health insurance terms

When thinking about health insurance in Michigan, there are several key terms to keep in mind. Copayments (or copays) are fixed amounts that customers pay for services, such as doctor visits or prescriptions. Deductibles are the amount of money the customer pays out of pocket before the insurance company pays for services. Coinsurance is the percentage of costs the customer pays once the deductible is met.

How much does health insurance cost


The cost of health insurance is different for everyone depending on factors such as age, family size, location, and type of plan. Generally speaking, HMOs tend to be less expensive than PPOs, and the higher the deductible, the lower the monthly premium. Health insurance premiums also depend on whether or not you receive subsidies or tax credits. In Michigan, the average monthly premium for family coverage with an employer-sponsored plan is about $735.

What are the different health insurance metal levels are

Health insurance plans also differ from one another depending on their level of coverage. Platinum plans typically have the highest premiums but also the most coverage, while bronze plans have the lowest premiums with the least coverage. Silver and gold plans are in the middle, offering somewhere between the two extremes of platinum and bronze plans.

When you can buy health insurance

The Annual Open Enrollment Period (OEP) is the time when everyone can buy a health insurance plan or make changes to their existing plan. In Michigan, the OEP runs from November 1st through December 15th each year. If you miss the OEP, you can still buy coverage outside of open enrollment if you experience certain life events, such as marriage, the birth of a child, or a move to a different state.

Where you can buy health insurance

You can buy health insurance from Shield Insurance Agency which represents over 40 insurance companies and specializes in helping individuals and businesses find the right plan for them. They can help determine the best level of coverage and answer any questions you have about health insurance in Michigan. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Health insurance in Michigan is an important aspect of life and it is essential to understand the types of health insurance, key terms, availability, and costs when shopping for a plan. Shield Insurance Agency has the expertise to help guide you through the process of finding the right policy for your needs and they can provide a free quote. For more information about health insurance in Michigan, contact Shield Insurance Agency at (616) 896-4600 today or visit this LINK to start the quoting process.


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Commercial Liability Insurance Exclusions

Commercial Liability Insurance Exclusions: Unveiling the Hidden Secrets

Shield Blog | Commercial Liability Insurance Exclusions | Contact your Shield Agent Today! | Start Quote

What are Commercial Liability Insurance Exclusions?

Commercial general liability insurance, commonly referred to as CGL insurance, is a crucial component of any comprehensive business insurance plan. It provides coverage for bodily injury, property damage, and personal injury claims arising from your business operations, products, or services. However, it’s important to understand that CGL insurance policies also have exclusions, which limit the coverage provided.

Common Commercial General Liability Exclusions

While the specific exclusions may vary depending on the insurance carrier and policy, here are some common exclusions you should be aware of:

  1. Professional Services: CGL insurance typically excludes claims arising from professional errors or omissions. If your business provides professional services, such as legal advice or consulting, you may need additional coverage through professional liability insurance.
  2. Intentional Acts: Claims resulting from intentional acts, such as fraud or assault, are generally excluded from CGL policies. It’s important to note that intentional acts are not insurable, as insurance is designed to protect against unforeseen events.
  3. Employee Injuries: CGL insurance does not cover injuries sustained by your employees. For this, you will need workers’ compensation insurance, which is a separate policy designed specifically to protect your employees in case of work-related injuries or illnesses.
  4. Property Damage: Damage to your own property is typically excluded from CGL policies. To protect your business property, consider obtaining commercial property insurance, which covers damage to your buildings, equipment, and inventory.

Additional Commercial Liability Insurance Exclusions

In addition to the common exclusions mentioned above, it’s important to be aware of other potential exclusions that may apply to your specific policy. These can include:

  • Pollution: CGL policies often exclude claims related to pollution, including the release of pollutants into the environment. If your business involves handling hazardous materials or operates in an industry prone to pollution risks, you may need specialized pollution liability coverage.
  • Cyber Liability: As technology continues to advance, the risk of cyberattacks and data breaches has become a significant concern for businesses. CGL policies typically exclude coverage for cyber liability, so it’s essential to consider obtaining separate cyber liability insurance to protect your business from these evolving risks.

Understanding the exclusions on a commercial general liability insurance policy is crucial for any business owner. By being aware of these exclusions, you can take proactive steps to mitigate potential risks and ensure your business is adequately protected. Remember, insurance is not a one-size-fits-all solution, so it’s essential to work with a knowledgeable insurance brokerage like mine to tailor coverage to your specific needs. If you have any questions or require personalized assistance, don’t hesitate to reach out to Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.


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By Denis Riek via The Global Ocean Surface Ecosystem Alliance, CC license

Pacific Garbage Patch Is Full of Life

Goodnews Network.org | By Andy Corbley | Jul 27, 2023 | Pacific Garbage Patch | Shield Insurance Blog

Pacific Garbage Patch Is Teeming With Life–An Ecosystem Older Than Plastic But No One Saw it

Pacific Garbage Patch Is Teeming With Life–An Ecosystem Older Than Plastic But No One Saw it

In the northern Pacific Ocean, a powerful ocean ‘gyre’ pulls together several ocean currents into a single region—the site of the infamous Great Pacific Garbage Patch (GPGP).

However, longer before there was plastic waste in these waters, and in spite of it, the Northern Pacific Ocean gyre is teeming with specially-adapted marine organisms that drift through the sea.

Take this beautiful violet snail above, constructing floating bubble rafts by dipping its body into the air and trapping one bubble at a time, which it then wraps in mucus and sticks to its floater.

Scientists recently documented hundreds of different life forms all concentrated within the center of the GPGP, where 1.8 trillion pieces of plastic have created an environmental feature like no other on Earth.

A swimmer named Benoît Lecomte completed a swim of 389 miles across the GPGP in 2019 and asked the scientists at Georgetown University to accompany the support crew in order to document the sea life.

The work they did has now been published in the journal PLOS One. They found greater concentrations of wildlife inside the GPGP than on its periphery. This is not because of, but in spite of, the trillions of pieces of plastic, as these living ocean hitchhikers evolved to use ocean gyres and currents to get around over thousands of years.

Violet snails, blue button jellies, by-the-wind sailor jellies, and sea slugs called blue sea dragons that hunt the tentacles of man o’ wars to use as makeshift protection, are all found there in large numbers.

“We saw just massive amounts of life at the surface,” study senior author Rebecca Helm, a marine biologist at Georgetown University, told National Geographic. “We’ve seen so many pictures of plastic from the Great Pacific Garbage Patch, but we’ve never seen any pictures of life there.”

“These places that we’ve been calling garbage patches are really important ecosystems that we know very little about.”

MORE SURPRISING OCEAN LIFE: Scientists Discover Pristine Deep-Sea Coral Reefs in Galápagos Marine Reserve ‘Teeming With Life’

The technical term for all this floating sea life is called neuston, and much of it is colored blue atop, and white beneath—a sort of camouflage Helm and her team believe.

Most of our children will never be able to see the GPGP, because it’s currently on track to be totally cleaned down to the microplastic level over the next 20 years.


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Boat Insurance and What You Need to Know

Boat Insurance and What You Need to Know

Shield Insurance Blog | Boat Insurance | Start A Quote Today!

When you own a boat, whether it’s a small fishing boat or a luxurious yacht, it’s important to protect your investment. Boat insurance is designed to provide coverage for different types of watercraft, and in Michigan, having boat insurance is a legal requirement. Shield Insurance Agency represents over 40 insurance companies and can help you find the right policy that suits your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Michigan is known for its beautiful lakes and waterways, making it a popular destination for boating enthusiasts. However, it’s important to remember that accidents can happen, and having boat insurance can provide financial protection in case of an unfortunate event.

Boat insurance policies typically provide coverage for the following:

  1. Physical damage: Boat insurance can cover the cost of repairing or replacing your boat if it is damaged in an accident or other covered event. This includes coverage for collisions, fire, theft, and vandalism.
  2. Liability coverage: Liability coverage is essential for boat owners as it protects you if you are responsible for causing damage to someone else’s property or injuring someone while operating your boat. This coverage can help cover legal expenses and any damages awarded in a lawsuit.
  3. Medical payments coverage: Boat insurance can also provide coverage for medical expenses for you and your passengers in the event of an accident. This can help cover the cost of hospital bills, doctor visits, and other medical services.
  4. Uninsured/underinsured boater coverage: If you are involved in an accident with an uninsured or underinsured boater, this coverage can help cover your medical expenses and property damage.
  5. Personal effects coverage: Boat insurance policies can also provide coverage for personal belongings that are aboard the boat, such as fishing equipment, water skis, and other gear.

It’s important to note that boat insurance policies can vary in terms of coverage, limits, and exclusions. Therefore, it’s always a good idea to review your policy with an experienced insurance agent to ensure that you have the right amount of coverage for your specific needs.

When shopping for boat insurance in Michigan, it’s important to consider the following factors:

  1. The type and size of your boat: The type and size of your boat will impact your insurance rates. Generally, larger and more expensive boats will require higher coverage limits and will therefore have higher premiums.
  2. The value of your boat: It’s important to insure your boat for its full value to ensure that you are adequately protected in the event of a total loss. Working with an experienced insurance agent can help you determine the appropriate value of your boat.
  3. Your boating experience: Some insurance companies may offer discounts for boaters with a clean driving record and extensive boating experience. Make sure to inquire about any available discounts when shopping for boat insurance.
  4. Storage and security: Insurance companies may also consider where and how your boat is stored when determining your premiums. Having a secure storage facility or anti-theft devices installed on your boat can help lower your rates.

Michigan has specific regulations and requirements for boat insurance, and it’s important to be aware of these to avoid any penalties. In Michigan, all motorized boats must be covered by liability insurance with minimum coverage limits. Failure to comply with these regulations can result in fines and other penalties.

Boat insurance is not only a legal requirement in Michigan, but it’s also a smart investment to protect your financial well-being. Accidents can happen at any time, and the costs of repairs, medical bills, and legal expenses can be significant. Having boat insurance can provide peace of mind and help you navigate through any unforeseen circumstances.

When shopping for boat insurance in Michigan, it’s important to work with an experienced insurance agency that understands the local market and can help you find the right policy for your needs. Shield Insurance Agency represents over 40 insurance companies and can provide you with options and competitive rates. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Protect your investment and enjoy your time on the water with the right boat insurance policy.


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Important details about Home Insurance

Home Insurance and Important Details about Your Home Insurance

Shield Insurance Blog | Home Insurance | Start A Quote Today!

Home insurance is a type of insurance that provides financial protection for homeowners and their property. It is designed to cover the costs of repairing or replacing a home and its contents in the event of damage or loss caused by various perils. Home insurance also provides liability coverage, which protects homeowners in the event that someone is injured on their property and files a lawsuit.

Types of Home Insurance

There are several types of home insurance policies available, each offering different levels of coverage. The most common types of home insurance policies include:

  • Homeowners’ Insurance: This type of insurance is designed for homeowners who live in their own homes. It provides coverage for the structure of the home, as well as personal property and liability protection.
  • Condos/Strata Insurance: This type of insurance is specifically designed for condominium owners. It provides coverage for the interior of the unit, personal property, and liability protection.
  • Tenant/Renter’s Insurance: This type of insurance is for individuals who rent their homes. It provides coverage for personal property and liability protection but does not cover the structure of the home.
  • Seasonal/Secondary Residences: This type of insurance is for homes that are not occupied year-round, such as vacation homes or second homes. It provides coverage for the structure of the home, personal property, and liability protection.
  • Heritage Homes: This type of insurance is for homes that are designated as heritage properties. It provides coverage for the unique features and historical value of the home, as well as personal property and liability protection.
  • Short-Term Rentals: This type of insurance is for homeowners who rent out their homes on a short-term basis, such as through platforms like Airbnb. It provides coverage for the structure of the home, personal property, and liability protection.

Levels of Home Insurance Coverage

Within each type of home insurance policy, there are different levels of coverage available. The levels of coverage determine the amount of protection provided and the cost of the insurance premium. The most common levels of home insurance coverage include:

  • Basic Coverage: This level of coverage provides protection for the structure of the home and limited coverage for personal property and liability.
  • Broad Coverage: This level of coverage provides more comprehensive protection for the structure of the home, personal property, and liability.
  • Comprehensive Coverage: This level of coverage provides the highest level of protection for the structure of the home, personal property, and liability. It typically includes additional coverage for perils such as water damage, earthquakes, and sewer backups.

Understanding the Perils of Home Insurance

Perils are events or circumstances that can cause damage or loss to a home or its contents. Common perils covered by home insurance include fire, theft, vandalism, and natural disasters such as hurricanes or tornadoes. It is important to review the specific perils covered by a home insurance policy to ensure that it provides adequate protection for your needs.

Personal Property Coverage

Personal property coverage is a key component of home insurance. It provides protection for the contents of a home, such as furniture, appliances, electronics, and clothing. In the event of damage or loss, personal property coverage will reimburse homeowners for the cost of repairing or replacing their belongings.

Personal Liability Coverage

Personal liability coverage is another important aspect of home insurance. It provides protection in the event that someone is injured on your property and files a lawsuit. Personal liability coverage will cover the cost of legal fees, medical expenses, and any damages awarded to the injured party.

Shield Insurance Agency

When it comes to choosing the right home insurance policy, it is important to work with a reputable insurance agency. Shield Insurance Agency represents over 40 insurance companies, ensuring that they can find the best coverage options for their clients. Whether you are a homeowner, condo owner, renter, or have a seasonal residence, Shield Insurance Agency can help you find the right policy to protect your home and family.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.


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