Delivery Man Saves Elderly Woman Stuck in Window

Stuck In Window For 5 Hours Delivery Man Saves Elderly Woman

FOX 13 Tampa Bay | June 29, 2023 | Stuck In Window | Home Insurance | Start A Quote!

A newspaper delivery man has become a local hero after he rescued a 78-year-old woman who had been stuck in a window for five agonizing hours.

The story unfolded when the woman, identified as Nancy Reyburn, found herself trapped in a precarious situation as she attempted to break into her own home through a window after she had locked herself out. In her desperate efforts to get inside, she became stuck.

“Because of surgery, I had with two hip replacements, I can’t get past mid-part of my leg,” Reyburn told Fox 13. “I’m reaching around the more moving I did, the worse I felt.”

Stuck In Window For 5 Hours

She was stuck in the window for five hours. No one could hear her and hope was running out.

“I was asking God, ‘please this is not the way I want to be found’,” Reyburn recalled.

And just when it seemed that all hope was lost, out of the corner of her eye, she saw the blinking orange light on top of Jose Sanchez’s car.

Sanchez said he was on his normal paper route early Tuesday morning when he heard screaming and saw Reyburn stuck in the window.

“How I screamed, I have no idea,” she said.

Sanchez stuck by her and called 911, and help was finally on the way. Some are calling him the neighborhood guardian angel.

“I’m touched, because I care for these people in this park, they’re like my family, and they’re retired, and I try to watch out for them,” Sanchez said.

“Yes, I do believe in angels and people are put in a place for that time and that night, morning was my time to be helped by Jose,” Reyburn added.

Watch the good news video below.


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Lynde Point Lighthouse

U.S. Is Giving Away Lighthouses for Free to Preserve Them As Historic Landmarks

Goodnews Network | Lighthouses | Home Insurance | Start A Quote Today!

A unique opportunity for a fixer-upper is coming by way of the US General Services Administration (GSA)—6 historic American lighthouses.

Going up this year via public auction, the federal government has a unique way of ensuring lighthouses retain their historic status which can even involve auctioning them off to private citizens with an affection for the now-obsolete structures.

Lighthouses are beautiful, attractive pieces of seaside scenery, although perhaps it’s a tad difficult to explain exactly why it’s almost impossible to find someone not moved by the sight of one.

Lighthouses for Conservation

The US has hundreds of lighthouses that once ensured sailors could safely come into the harbor but are now derelict since the invention of GPS technology. The GSA routinely sells off lighthouses to nonprofits interested in conservation, state and local governments, educational agencies, and even federal ones.

However if no buyers come up, the GSA will auction them off to the public at prices ranging from $10,000 to nearly $1 million, reports NPR.

Since the National Historic Lighthouse Preservation Act was passed in 2000 more than 150 lighthouses have been sold or handed over to various organizations. This includes 81 that are now owned by government agencies and nonprofits and another 70 that have been sold to the public.

“Costs for the upkeep of lighthouses are relative to what the new owner plans to do,” the GSA states in a notice of the May 2023 “Lighthouse season”

“A total restoration could be thousands of dollars while a simple cleaning is much less. New owners should expect to have to paint, clean, and possibly restore broken or missing items. Most lighthouses do not have any utilities, so there would be a cost associated with making the lighthouse livable.”

This year, 6 lighthouses are being placed on Notice of Availability, and 4 are going direct to public auction. Should any of the 6 not find owners, they too will be sold to the citizenry.

These include the Lynde Point Lighthouse, Old Saybrook, Connecticut; Nobska Lighthouse, Falmouth (Woods Hole), Massachusetts; Plymouth/Gurnet Lighthouse, Plymouth, Massachusetts; Warwick Neck Light, Warwick, Rhode Island; Little Mark Island and Monument, Harpswell, Maine; and Erie Harbor North Pier Lighthouse, Erie, Pennsylvania.

Read more about this unusual real estate opportunity…


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Small Acts of Kindness Are Universal

Small Acts of Kindness Are Universal

Small Acts of Kindness Are Universal: Global Study Finds People Help Each Other Every 2 Minutes

Good News Network | By Andy Corbley | May 10, 2023 | Kindness | Shield Insurance Agency

An international study of people on five continents has found that humans help each other with small acts of kindness about every 2 minutes, and acquiesce to calls for help overwhelmingly more often than reject them.

For sociologists, understanding the root of any kind of human behavior first requires them to attempt to parse out how much influence on it comes from nurture, and how much from nature.

Kindness, generosity, anger, curiosity

Kindness, generosity, anger, curiosity—how much are these expressions amplified or tamped down by the culture a person grows up in, and how much is built-in to the human animal?

Attempting to tackle kindness and cooperation, a team of researchers at UC Los Angeles conducted a study of observing everyday interactions between strangers and relations to see how often they helped each other.

Previous literature was, in hindsight, aiming a little too high in attempting to answer this question.

For example, the UCLA press room states in a report on the paper, that while whale hunters of Lamalera, Indonesia, follow established rules about how to share out a large catch, Hadza foragers of Tanzania share their food more out of fear of generating negative gossip.

In Kenya, they continue, wealthier Orma villagers are expected to pay for public goods such as road projects. Wealthy Gnau villagers of Papua New Guinea, on the other hand, would reject such an offer because it creates an awkward obligation to reciprocate for their poorer neighbors.

While these are valuable insights into human social organization, they are dealing with complex phenomena with consequences, such as how to divide a whale kill among dozens of people, or financing road construction.

Instead, UCLA sociologist Giovanni Rossi aimed a bit lower. His team analyzed over 40 hours of video recordings of everyday life in towns in Italy, Poland, Russia, Aboriginal Australia, Ecuador, Laos, Ghana, and England.

“Cultural differences like these have created a puzzle for understanding cooperation and helping among humans,” said Rossi, the paper’s first author. “Are our decisions about sharing and helping shaped by the culture we grew up with? Or are humans generous and giving by nature?”

More on this story about kindness…


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6 Factors to Consider When Choosing Small Business Insurance

6 Factors to Consider When Choosing Small Business Insurance

Shield Insurance Agency Blog | May 10, 2023 | Small Business Insurance | Begin a quote today!

As a small business owner, you know that running a business comes with a certain level of risk. Whether you’re just starting out or have been in business for years, it’s important to protect your business with the right insurance coverage. But with so many options available, how do you choose the right insurance for your business? In this blog post, we’ll discuss six factors to consider when choosing small business insurance.

1. Your Risk Levels

The first factor to consider when choosing small business insurance is your risk levels. Every business is different, and the risks associated with each business will vary. For example, a construction company will have different risks than a retail store. It’s important to assess your business’s risks and choose insurance coverage that will protect you in the event of a loss.

2. Professional Guidance

Choosing the right insurance coverage can be overwhelming, especially if you’re not familiar with the different types of coverage available. That’s why it’s important to seek professional guidance when choosing small business insurance. An insurance agent can help you assess your risks and recommend the right coverage for your business.

3. Employment Insurance Laws

Employment insurance laws vary by state, so it’s important to understand the requirements in your state. For example, in some states, businesses are required to carry workers’ compensation insurance, while in others, it’s optional. Make sure you understand the employment insurance laws in your state and choose coverage that meets those requirements.

4. Insurance Provider Accessibility

When choosing small business insurance, it’s important to consider the accessibility of the insurance provider. You want to choose an insurance provider that is easy to work with and responsive to your needs. Look for an insurance provider that offers online access to your policy information and has a customer service team that is available to answer your questions.

5. Premium Costs

Of course, cost is a factor when choosing small business insurance. You want to choose coverage that is affordable, but you also want to make sure you’re getting the coverage you need. When comparing insurance providers, make sure you’re comparing apples to apples. Look at the coverage limits and deductibles to make sure you’re getting a fair comparison.

6. Geographical Coverage Region

Finally, it’s important to consider the geographical coverage region when choosing small business insurance. If your business operates in multiple states, you’ll need coverage that extends to all of those states. Make sure you choose an insurance provider that offers coverage in the regions where you do business.

Choosing the right insurance coverage for your small business can be overwhelming, but it’s an important decision that shouldn’t be taken lightly. At Shield Insurance, we understand the unique risks associated with small businesses and can help you choose the right coverage to protect your business. Contact us today at (616) 896-4600 to learn more about our small business insurance options.


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Five Parts of an Insurance Policy

Five Parts of an Insurance Policy

Shield Insurance Agency Blog | May 19, 2023 | Insurance | Start a quote today!

Insurance policies can be complex and confusing, but understanding the different parts of a policy is essential to ensure that you have the right coverage for your needs. In this blog post, we will discuss the five parts of an insurance policy: premium, deductible, policy limits, exclusions, and riders.

1. Premium: The premium is the amount you pay for your insurance coverage. It is typically paid on a monthly or annual basis and is based on several factors, including your age, location, and the type of coverage you need. The premium is the cost of your insurance policy, and it is important to choose a premium that fits your budget.

2. Deductible: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your car is damaged in an accident that costs $1,000 to repair, you will pay $500, and your insurance company will pay the remaining $500. Choosing a higher deductible can lower your premium, but it also means you will pay more out of pocket if you need to file a claim.

3. Policy Limits: Policy limits are the maximum amount your insurance company will pay for a covered loss. For example, if you have a $100,000 policy limit for liability coverage and you are sued for $150,000, you will be responsible for paying the remaining $50,000. It is important to choose policy limits that are high enough to protect your assets in the event of a lawsuit.

4. Exclusions: Exclusions are specific situations or events that are not covered by your insurance policy. For example, if you have a homeowner’s insurance policy that excludes flood damage, you will not be covered if your home is damaged by a flood. It is important to read your policy carefully to understand what is and is not covered.

5. Riders – Additional coverage and options: Riders are additional coverage options that you can add to your insurance policy. For example, if you have a homeowner’s insurance policy that does not cover earthquake damage, you can add an earthquake rider to your policy for an additional cost. Riders can provide additional protection for specific situations that are not covered by your standard policy.

Does Your Insurance Meet Your Needs?

Understanding the different parts of an insurance policy is essential to ensure that you have the right coverage for your needs. It is important to review your policy regularly and make changes as needed to ensure that your coverage meets your current needs. If you have questions about your insurance policy or need help choosing the right coverage, contact your insurance agent for assistance.

At Shield Insurance Agency, we are committed to helping our clients find the right insurance coverage for their needs. Our experienced agents can help you understand the different parts of your insurance policy and make sure that you have the coverage you need to protect your assets and your family. Contact us today to learn more about our insurance products and services.


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Fancying a snack from the foliage in Anchorage’s Providence Alaska Health Park’s cancer center, it was last Thursday that a moose decided to walk into the building.

Moose Walks in Alaska Hospital For Lunch – Or Maybe to Get a PET Scan

GoodNewsNetwork.org | By Andy Corbley | Moose | Apr 11, 2023 | Pet Insurance | Start A Quote Here

In Alaska, amazing animals, even the moose, are simply part of the scenery—even, as it turns out, in the hospital.

Fancying a snack from the foliage in Anchorage’s Providence Alaska Health Park’s cancer center, it was last Thursday that a moose decided to walk into the building.

Its hooves were no impediment to the motion-activated door, and soon, the security staff had to get on the intercom to warn visitors, patients, and staff that a moose was on the loose.

However the announcement served mostly to draw people in to see the moose, which wasn’t the first to ever enter the building, nor has it only been members of the deer family. Providence has also had bears try to enter their facilities.

Security managed to corral the animal before it could damage anything beyond the plants.

“Finally, I think it had enough of everybody watching him, watching him eat,” said Randy Hughes, the hospital’s director of security.

WATCH the final stages of the moose appointment…

Alaska Problems!


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When Is it Time to Stop (or Start) Hosting the Holidays?

When Is it Time to Stop (or Start) Hosting the Holidays?

Passing the baton and changing traditions can be difficult for families

AARP | By Robin L. Flanigan | December 06, 2022| Hosting the Holidays | Home Insurance

​Hosting the holidays can be a marathon sport. There’s planning the meals, buying the groceries, cleaning the house, cooking the food. It’s a lot of work, especially for older adults who have been at the holiday helm for two — sometimes three — generations.

When is it time to call it quits and let the younger generation take over hosting the Holidays?

That’s a difficult question for all involved. It can be difficult to give up the role of host after so many years; on the other side, it can be hard to take over that role, especially after a lifetime of baking, decorating, game-playing and gift-giving traditions.

“It’s a very emotional topic,” says Andrew G. Celli Jr., a 57-year-old attorney in Manhattan.

The traditions at his mother’s house — the home where he grew up in Rochester, New York — have “a rhythm and a regularity that makes it incredibly special and specific to her and the way she does things.”

But their family is large. Celli and his two siblings each are married with multiple children, some of whom have significant others, which means gatherings draw nearly 20 people. It’s a lot of work for Dolores Celli, who lives alone and is approaching 90, to make her usual lasagna; prime rib, or chicken with lemon, garlic, and rosemary; pizzelles; and the apple pie recipe her grandmother always used in Italy.

“It means taking the house apart and putting extra tables out, but I enjoy every moment of it,” she says, adding that she also provides breakfast for guests in the mornings. “Fortunately, I’m healthy enough to do it. Every year is a blessing as far as I’m concerned, even though I’m sure one of these days one of the kids is going to say, ‘No more.’”

While Andrew Celli says neither he nor his siblings have put their foot down once and for all just yet, he will be hosting Christmas at his home this year.

His mother “is incredibly strong and somewhat stubborn, but at the end of the holiday weekend, she is pretty tired,” he says. “We want her to enjoy the traditions that we can re-create at my house, without her having to do all the work.”​

The importance of hosting the holidays & rituals

Going to the same house, eating the same food, and interacting with the same people for decades brings a sense of comfort and belonging.

“Traditions help create meaning in our lives, and help find and establish family connections,” says William C. Torrey, the Raymond Sobel professor of psychiatry and interim chair of psychiatry at Dartmouth Health and Dartmouth’s Geisel School of Medicine in New Hampshire. “Any change in how you celebrate the holidays can easily feel disruptive, but it also creates an opportunity for more conversation and expression of appreciation.”

That’s not so easy for Evey Meyer, 76, to believe. “I will be at the edge of my grave when I stop hosting,” says the former biology professor from St. Louis.

Rather than a chore, Meyer views hosting Hanukkah (“It wouldn’t be Hanukkah if I didn’t make potato pancakes”) as an act of survivorship, “something the Jewish holidays are partly about.” She points out that her generation may resist relinquishing the holiday reins in part because subsequent generations are less likely to engage in religious rituals — a worldwide phenomenon confirmed by a Pew Research Center analysis in 2018.

Meyer says that providing meals is linked to her self-image: “I’ve always been the feeder. When people think of me, I hope they think of food.”

At some point, however, the duties can become too much. It may take an older person days to recover, and younger adult guests may start to feel guilty for remaining on the receiving end. When this happens, it’s time for an honest, and possibly tough, conversation.​

Adjusting to new holiday approaches

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Child care disruptions continue to wreak havoc for working mothers

Sickness and child care disruptions continue to wreak havoc for working mothers

Worklife News | December 8, 2022 | by Ambreen Ali | Child Care

Since mid-October, Michelle Shank Boczonadi has not had a single week at work that she wasn’t also juggling child care challenges.

She’s a Denver-based senior director at Comcast Cable and mother to two-year-old Remi, whose nanny-share arrangement next door has been disrupted by RSV, flu, strep throat, pink eye and the stomach bug in the last six weeks alone.

Boczonadi is hardly alone, as high rates of illness and limited child care have combined to add pressure on working parents this fall. In October, a record number of parents missed work due to child care problems. Women are more likely than men to shoulder that burden and drop out of the workforce entirely to care for young children.

In New Jersey, Melissa Vogt became a first-time mom in May. Her son had Covid at one week old and was hospitalized with RSV a few weeks before she had to return to work. He started daycare at three months, and he’s had to stay home multiple times since because he has been sick. When he’s home, she often works anyway.

“A lot of times I start the day, and I try to get away with it without telling them. I just do the best I can from my phone while holding him,” said Vogt, who works in business development and client services for an education company.

Vogt said she is trying to be as available as possible since she recently took maternity leave. Her husband is very involved and helpful, but they face a common economic reality. “My husband makes twice as much money as me, so by default I’m the one who has to take care of our son,” she said.

As many workplaces have put in place return-to-work policies and settled into new hybrid routines, working mothers are still struggling. For them, the stresses induced by the pandemic — including sickness-related disruptions and lack of child care — still haven’t let up. 

“They’re carrying the load of being the breadwinner. They are also in most cases carrying the burden of parenthood, of running their household. We’ve been asking women for years and years to layer roles without offering additional support.”

Jill Koziol, co-founder of Motherly.

Worse, in some cases, their workplaces and colleagues have embraced a new normal that assumes such pressures are over, sidelining parents of young children who can’t keep up.

Vogt feels guilty when she can’t attend after-hour work events and the responsibility falls on her coworkers. She hasn’t talked to them about it, even though some of her friends tell her that it’s fair for her to be unable to attend those events as a mother of young kids.

Child Care Pressure on moms

The flexibility of modern work has created opportunities for mothers of young kids like never before. More moms of kids under the age of six have joined the workforce in recent years, according to the research nonprofit PRB. There are a variety of factors – from women facing economic pressures to them attaining higher education levels. They are more likely to work in flexible ways, such as in part-time roles or as entrepreneurs.

These women also face a unique set of pressures to juggle child care responsibilities. Among parents of kids aged 12 years and under, women spend three more hours on child care every day than men, according to a study by The Hamilton Project that was published by Brookings. That imbalance varies but holds true in heteronormative households regardless of who is working.

This imbalance came to light during the pandemic, when mothers of young kids were the most likely not to return to the workforce after the initial pandemic-induced disruptions in spring 2020. The decline was significant and incongruous: Nearly all fathers in the same situation returned to work, a paper published by the Federal Reserve Bank of Minneapolis noted.

The working moms who remain in the workforce are “carrying an immense load,” Jill Koziol, co-founder of the well-being community Motherly, said recently on the C-Suite Conversations podcast. Motherly’s 2022 State of Motherhood report found that 47% of women are the primary breadwinner in their household. 

“It falls to the companies to take the lead and make sure that, if they want to have a truly diverse and inclusive environment, they are also thinking of parents and caregivers.”

Lindsay Kaplan, co-founder of Chief, a network of female executives.

“They’re carrying the load of being the breadwinner. They are also in most cases carrying the burden of parenthood, of running their household,” Koziol added. “We’ve been asking women for years and years to layer roles without offering additional support.”

The report also found that twice as many women left the workforce than men in the pandemic, and that 46% of mothers who are still unemployed initially left due to a child care issue. As Koziol put it, “The pandemic brought many women to their breaking point.”

An ongoing child care crisis

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Year-end financial checklist

Year-end Financial Checklist

US Bank.com | October 11, 2022 | Shield Life Insurance | Financial Checklist

An end-of-the-year financial checklist is a good opportunity to make sure you’re still on track toward your financial goals. 

Sometimes it feels like a year can disappear in the blink of an eye. When you look back over the previous 12 months, you might be surprised at what may have changed for you, whether that’s in terms of the economy at large, your individual finances, or your personal circumstances.

That’s why the end of the year is a good time to review your accounts and investments and make smart adjustments for the new year. Also, with tax season around the corner, reviewing your portfolio and personal finances now could potentially help reduce your tax liability.

Use this year-end financial checklist as a guide.

1. Review your financial plan

Think about what you spent money on this year, and how much. Whether it was home improvements, a vacation, or boosting a loved one’s college savings, did you achieve your family’s financial goals? Or did you put some on hold in favor of other priorities that came up during the year? Do you foresee having to make any large purchases in the next year?

Also, consider what changed in your life this year. Births, deaths, marriage, divorce, and retirement can all have an impact on both your personal finances and your strategic financial plan.

Financial planning tips

  • Be honest with yourself. If money was tight, or if you had a surplus, this is a good time to adjust your spending and priorities.
  • Use a financial professional as a sounding board. An outside perspective is helpful when reviewing short- and long-term family financial goals. A financial professional might be able to make suggestions you haven’t thought about. 

2. Review your employee benefits

It’s tempting to just keep your employee benefits humming along in the background, but reviewing them yearly can make a big difference. Look at your employer-sponsored 401(k) or IRA account contributions for the year. Did you max out your contributions? If not, did you at least contribute as much as the company match?

For the 2022 tax year, the maximum 401(k) contribution is $20,500, plus an additional $6,500 if you’re 50+. The maximum IRA contribution is $6,000, plus $1,000 if you’re 50+. If you’re not maxing out your contribution, consider at least increasing it on an annual basis.

Don’t forget to pay attention to your allocations. Are you happy with the ratio of stocks, bonds and other assets, or do you need to rebalance?

Other employee benefits to review and adjust—with a financial professional, if you like—include corporate stock options and other incentive plans (restricted stock, restricted award units, etc.); health, life and disability insurance coverage; and your flexible spending account (FSA).

And don’t forget your health spending account (HSA), if you have one. For the 2022 tax year, the maximum HSA contributions are $3,650 for individuals, $7,300 for families, and an additional $1,000 for individuals age 55+.

Finally, are your beneficiaries up to date? Can you also designate a successor beneficiary? You work hard for your employees’ benefits, so be sure they end up where you want them.

Employee benefit tips

  • Calculate your remaining health insurance deductible. Can you accelerate or postpone medical treatments?
  • Use up your FSA. There are some qualified products you may not have thought of, from contact lens solution to bandages, that you can purchase with those funds.

3. Conduct a year-end tax review

Tax Day might not be until April 15, but it’s always a good idea to get a head start on preparation. For example, did you experience any life transitions (marriage, births, divorce, deaths, retirement, etc.) in the last year that could affect your tax withholding status?

Based on your anticipated income for next year, would deferring or accelerating any bonuses, property sales, other taxable transactions, deductible expenses, charitable gifts, etc., benefit you from a tax perspective? A financial professional can help you review your options.

Tax review tip

  • Explore tax loss harvesting. If you had investments that lost money, tax loss harvesting can help you reduce your tax liability. There are strict rules around how this is executed, so to avoid potential penalties, consider talking to a financial or tax professional before using this strategy.

4. Assess your investments

Read the full story on the financial checklist here…


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Simple Steps for an Extra Safe Halloween

Simple Steps for an Extra Safe Halloween

National Safety Council | October 21, 2022 | Safe Halloween

Kids love the magic of Halloween, but costume and traffic safety are essential for trick-or-treaters. These tips can help make a safe and happy holiday for everyone.

Costume Safety for a Safe Halloween

To help ensure adults and children have a safe holiday, fda.gov has compiled a list of Halloween safety tips. Before Halloween arrives, be sure to choose a costume that won’t cause safety hazards.

● All costumes, wigs and accessories should be fire-resistant
● If children are allowed out after dark, fasten reflective tape to their costumes and bags, or give them glow sticks
● Opt for nontoxic Halloween makeup over masks, which can obscure vision; always test makeup in a small area first to see if any irritation develops
● Remove all makeup before children go to bed to prevent skin and eye irritation

When They’re on the Prowl

Here’s a scary statistic: Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year. Lack of visibility because of low lighting at night also plays a factor in these incidents.

Keep these tips in mind when your children are out on Halloween night:

● A responsible adult should accompany young children on the neighborhood rounds
● If your older children are going alone, plan and review a route acceptable to you
● Agree on a specific time children should return home
● Teach your children never to enter a stranger’s home or car
● Instruct children to travel only in familiar, well-lit areas and stick with their friends
● Tell your children not to eat any treats until they return home, and take care to avoid any food allergies

Safe Halloween Tips for Motorists

NSC offers these additional safety tips for parents – and anyone who plans to be on the road during trick-or-treat hours:

● Watch for children walking on roadways, medians and curbs
● Enter and exit driveways and alleys carefully
● At twilight and later in the evening, watch for children in dark clothing
● Discourage new, inexperienced drivers from driving on Halloween

Visit the National Safety Council website for more great safety ideas!


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