When is Labor Day 2021? Why We Celebrate Summer’s Last Holiday

CountryLiving.com

Who doesn’t love a long weekend? Luckily, we can always count on Labor Day to give us that extra day of relaxation, barbecue, and the perfect excuse to enjoy some fun under the summer sun. Of course, the holiday is a lot more than meets the eye. We could always use a little refresher on why we celebrate and what makes Labor Day more than summer’s last hurrah.

First things first—when is Labor Day in 2021?

Mark those calendars for Monday, September 6, 2021. Labor Day always falls on the first Monday of September. Although the calendar date tends to change each year, you can always count on showing off those grilling skills during the first weekend of September.

Just based on the name alone, you can probably guess that Labor Day has something to do with work. And you’d be completely right! But, did you know the holiday has a captivating history that dates all the way back to the late 1800s?

Labor Day honors the important social and economic contributions of U.S. workers. What better way to do that than with a three-day weekend to squeeze those last-minute summer activities that you’ve added to your to-do list? It’s important to remember that the history behind Labor Day wasn’t always as dandy as enjoying local parades and scoring some of the year’s best shopping deals.RELATED STORYWhich Stores Are Open on Labor Day?

Labor Day was born out of U.S. workers’ experiences and struggles to improve poor working conditions. When the Industrial Revolution was at its peak, employees of large manufacturing companies often endured 12+ hour workdays for seven days a week. Not to mention, their facilities were far from safe or sanitary. In response, workers began to protest because obviously there were some serious changes that needed to be made. Now that we know a bit more about the holiday, it’s time to make the most of our last moments this summer 2021.

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Does getting pre-approved for a mortgage guarantee you’ll get a loan?

Maurie Backman | USA Today – The Motley Fool | mortgage guarantee

There are certain steps it pays to take when you embark on a home search. You should spend some time interviewing real estate agents, make a wish list of the home features you’re looking for, and get pre-approved for a mortgage. Some buyers, however, don’t take that final step, either because they don’t know about it or because they don’t understand how it works. Here are a few things you should know about mortgage pre-approval.

1. Getting pre-approved for a mortgage doesn’t guarantee you a home loan

You might assume that if a mortgage lender pre-approves you for a home loan, you’re automatically guaranteed that mortgage once you’re ready to sign it. But that’s not the case. Mortgage pre-approval is not the same as getting an actual mortgage, and if your financial circumstances change between the time you’re pre-approved and the time you want to apply for a home loan, you may be denied.

Still, getting pre-approved is a step in the right direction. And if nothing changes for the worse, financially speaking, then there’s a strong chance you will get a mortgage once you want one.

2. It can make for a more efficient home search

When you go through the pre-approval process, a lender gives you a specific amount that you can borrow based on your income and the funds you have available for a down payment. Having that number is important because it can help you avoid looking at homes that are outside of your price range.

3. It could help you beat out another buyer in a bidding war

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5 trends disrupting the wholesale industry: digitization, and more:

Wholesale Industry | Shield Insurance Blog | Start A Quote Today!

For decades, wholesale distributors have been the primary source of inventory to retailers. Over the past decade, however, technology, e-commerce, and shifting customer expectations have altered the wholesale landscape. Today’s distributors are evolving their business models—and fast.

In this article, we’re diving into five trends disrupting the wholesale industry, from navigating competition like e-commerce giants to embracing technological innovation.

1. Digitization and the wholesale industry

With access to a massive catalog of products that they can ship quicker than most competitors, digital giants like Amazon and Alibaba have sent shockwaves through the traditional wholesale industry. This threat is particularly serious when it comes to commoditized products like printing supplies and paper. The problem? Businesses are looking for the fastest, easiest, and most affordable way to obtain these products—and traditional wholesalers often struggle to keep up with their digital competitors.  

In 2017, 92 percent of wholesale distributors cited Amazon as a competitor—and for good reason. According to a recent report from the National Association of Wholesaler-Distributors (NAW), Bank of America/Merrill Lynch estimates that Amazon Business, the tech giant’s wholesale branch, will reach $34 billion in gross merchandise sales by 2023, and $125 to $245 billion by 2029. And Amazon and Alibaba aren’t the only competitors in the digital space—new business models are constantly emerging, including eBay Business & Industrial, Digi-Key, and Zoro. With all these businesses competing for the same pool of customers, their profits will likely come at the expense of traditional distributors.

2. Disintermediation

As digitization continues to connect more people and systems, it creates an opportunity for manufacturers and retailers to skip traditional wholesalers and work directly together, blurring the line between wholesale, retail, and manufacturing. As a result, disintermediation has become more common in the marketplace. The number of direct-to-consumer (D2C) brands is projected to grow by almost 20 percent in 2021, with many manufacturers leveraging e-commerce platforms to bypass wholesalers entirely. For example, Boeing invested heavily in business-to-business (B2B) e-commerce and acquired a leading aerospace parts distributor, helping increase its share of the replacement aerospace parts market by 7 percent. Many companies find that they can also improve shipping speeds and customer service by cutting out the middleman role that wholesalers traditionally play.

3. Evolving customer demand

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The US has 10 million job openings

This is a first: The US has 10 million job openings

CNN | Job Openings |

New York (CNN Business) It’s a hallmark sign of this strange pandemic labor market: America had a record 10.1 million jobs available in June, as businesses struggled to hire enough staff to support the full reopening of the economy. That mismatch between worker demand and supply has been a defining characteristic of the pandemic recovery. Hiring is rampant across industries, as businesses are still rebuilding the capacity lost during last year’s lock-downs. Professional and business services, retail, hotels, and restaurants added the most job openings, according to the Bureau of Labor Statistics report released Monday.

But many jobless workers are facing complexities. Some continue to struggle with finding child care, while others are concerned about the risk of contracting the virus at work.

“If we want to sustain our economic recovery, we have to get serious about removing barriers to filling these open jobs,” said Neil Bradley, executive vice president, and chief policy officer of the US Chamber of Commerce.

Specifically, Bradley added, “that includes addressing childcare needs, rightsizing unemployment programs, skills training, and increasing legal immigration.”

Economists expect that at least the child care aspect will be addressed when schools reopen in person after the summer. But the rampant spread of the Covid-19 Delta variant is adding exposure risk. Meanwhile, the generous pandemic-era unemployment benefits that have already ceased in multiple states will run out in September, which could affect the rate of hiring as well.

Hires, layoffs and voluntary quits

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Sparta Hay Bale Decorating Shield Insurance Agency Blog

Decorating a Hay Bale in Sparta Michigan

Sparta Hay Bale Decorating Contest!

TO DECORATE:

Email chamber@spartami.org to register to decorate a bale! A location will be randomly selected for you, the hay bale decorating must be completed by Sept. 12

DISPLAY:

The decorated bales will be on display from Sept. 13-Sept. 26

TO VOTE:

Voting will be done TWO ways: 1, we will have a “like” contest on a Facebook post (that will be posted with a photo of each bale, this will be posted September 14!) AND voting will take place IN PERSON during Michigan Apple Fest in the Sparta Chamber Offices! The combination of both votes will be the placing of 1st, 2nd, 3rd places!

PRIZES:

The top 3 places will be awarded $100 in SPARTA BUCKS!

RULES: The hay bale must stay upright as you find it. Add decor, paint, pics, etc. into the hay bale, the items must be removed by Sept. 26 or the items will be thrown away. Photos of your bale will be taken on Monday, September 13 for voting.

We are getting so excited, we wanted to pull up some photos from last year for some inspiration!!

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How does my home deductible work?

Safeco Insurance & Liberty Mutual Small Commercia

A home insurance deductible is what you pay out of pocket to repair your home if you have a claim. For example, if you have a $500 deductible and $2,000 in repair costs, you’ll pay $500 and Safeco will pay the remaining $1,500. You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires greater out-of-pocket expenses should you have an accident. Connect with your Safeco independent agent today to get the details and determine the deductible options for your home.

Disclaimer: Subject to policy terms, conditions, and limitations. Discounts and savings available where state laws and regulations allow and may vary by state. State insurance requirements apply. Insurance offered by Safeco Insurance Company of America and affiliates, Boston, MA


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How to Get Rid of Stuff at Home

Our decluttering tips will help you figure out what you no longer need

By Kevin Doyle | August 05, 2021 | Consumer Reports | Get rid of Stuff | Home Insurance

Sealed in a plastic bag in the back of Kris Schwartz’s bedroom closet is the student nurse’s uniform that her mother wore 80 years ago, complete with pinafore and removable cuffs. Her mother’s nursing cape hangs in a downstairs closet, and a journal her mother-in-law kept is safely stashed in the desk drawer of a home office. These relics are just a metaphorical speck in the “tsunami of stuff” Schwartz says she and her husband have accumulated in their Maine home over the decades.

“I have loads of books, mementos, baby clothes, and letters from people I’ve forgotten about stuffed in my closets and my cellar,” Schwartz says. “The garage is so full it’s sometimes hard to get a car into. Most of it serves no purpose or function, but I can’t get rid of it.”

Marie Kondo’s approach to tidying up may have inspired her fans to fold their underwear like origami, but it took a pandemic for many Americans to start to deal with their surfeit of stuff. “A lot of people suddenly needed to find space for two home offices as well as schooling at home,” says Cindy Sullivan, president of the nonprofit Institute for Challenging Disorganization. “The pandemic definitely contributed to a lot of decluttering.” Many secondhand and resale stores, hauling companies, and professional organizers have reported an uptick in business.

Rule 1: Get Ready to Let Go

For Dawn Castagna, a health industry executive in New York, getting started is the hardest part. “Analysis paralysis definitely applies to me,” she admits. “My wife says, ‘We haven’t used it, so it’s going.’ But I’m like, ‘Well, I don’t know. Who would be the right person to give it to? Should we sell it?’ And when I’m not sure about the right way to get rid of something, I just stop.” If you’re facing similar struggles, these three questions can help jump-start the process:

1. Do you really need it? Anything you don’t use or have multiples of can probably go. “Nobody needs 18 spatulas,” Ferrari says.

2. Can you easily replace it? Amanda Scudder, MSW, a professional organizer in Richmond, Va., recommends the $20/20-minute rule: Anything that would cost $20 or less and take 20 minutes or less to acquire again can probably go without creating much regret.

3. If you’re not using it now, will you want it in five or 10 years? “If it’s already in storage, ask yourself why you need to keep it,” says Amy Tokos, president of the National Association of Productivity & Organizing Professionals.

You also want to start small. Instead of tackling the garage, start with clothes. “Once you see how much lighter and more energized you feel after decluttering your wardrobe,” Scudder says, “you can take that energy into tougher categories.”

Ferrari recommends not handling anything you’re considering getting rid of. “It’s better to have a friend or professional organizer hold it up for you,” he says. “Once you touch it, you’re more likely to keep it.”

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4 Symptoms of Stress You Should Never Ignore

Mental health focus at Tokyo Olympics is a reminder of the role that pressure plays

by Sarah Elizabeth Adler |  AARP | August 2, 2021| Symptoms of Stress | Health Insurance

En español | Wins and medals aren’t the only things grabbing attention at this year’s Olympic games in Tokyo: Mental health awareness is also in the spotlight, after U.S. star gymnast Simone Biles’ decision to withdraw from some events in order to focus on her emotional well-being. 

Olympians or not, we’re all susceptible to stress, whether from job or family pressures or obligations like caregiving. Here are the physical and mental signs that experts say could signal trouble.  

1. Insomnia and difficulty sleeping 

Can’t fall or stay asleep? Insomnia is a classic symptom of stress, says Connecticut-based clinical psychologist Holly Schiff. For example, Biles said she “could barely nap” before the Olympic team gymnastics final. And the consequences of lack of sleep, including fatigue and problems concentrating, can make it even harder to get through the day, creating a stress snowball effect. 

To break the no-slumber cycle, Schiff recommends that you keep a bedside journal to jot down the worries keeping you up at night, whether that’s tomorrow’s to-do list or other preoccupying thoughts. “Getting it down on paper and theoretically out of your mind can be helpful and free up some mental space, so you can focus on getting a restful night’s sleep,” she says. 

2. Changes in mood and thinking 

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What commercial insurance is required in Michigan?

Protecting your business takes the right commercial insurance. Your policy can be customized by your insurance agent to give you all the protection you need and none that doesn’t apply to your business. At Shield Insurance Agency in Michigan, we have the commercial insurance policy experience you are looking for. We will make sure you have the commercial insurance mandated by the state of Michigan. 

Mandated insurance

Commercial auto insurance

In the state of Michigan, all business-owned vehicles must be covered by commercial auto insurance. The required amount of commercial auto insurance you must carry is 20/40/10. That is $20,000 for injuries to one person in an accident with a total of $40,000 for the entire accident with $10,000 property damage. While this is the required amount, it may not be the correct amount for your business. 

Workers’ compensation insurance

If your business has one or more full-time employees, you must have workers’ compensation insurance. 

While these are the mandated commercial insurances, they are not the only ones that can benefit your business. 

Not Mandated but a good idea

Commercial liability insurance

Between 36% and 53% of small businesses are sued every year. That means that your chance of being involved in litigation is pretty high. Not only could there be a judgment against you, but you would also be responsible for the legal fees that go along with defending yourself. Commercial liability insurance can make the difference between surviving and having to close your doors. 

Commercial property insurance

If a covered peril hits your business, it could destroy everything you need to do business. Your inventory, your machinery, your raw materials, your office equipment, and your records. Without commercial property insurance would you be able to replace all these things and get back to work? If the answer is no, this is the insurance you need. 

Contact Shield Insurance Agency in Michigan when you are ready to customize your commercial insurance.


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One Crick to Traveling Cheaply: Flexibility

By SAM KEMMIS of Nerd Wallet July 14, 2021 | AP News

So you want to travel on a budget. Who doesn’t? Yet it’s easy to get overwhelmed by all the cheap travel tips, hacks and strategies out there that promise unbelievable deals on airfare and hotels.

In reality, there’s only one important tactic for traveling cheaply: being flexible with your travel dates, destination and plans. It might sound simple — or even simplistic — but you would be surprised how few travelers are willing to take this piece of advice to heart.

To be fair, this flexibility-first mindset requires a paradigm shift for many in terms of how they start planning vacations. It requires moving from this type of planning:

“I want to go to Amsterdam from Sept. 5th through 13th.”

To this:

“I want to go somewhere fun in September.”

For some, this degree of flexibility is simply impossible. Yet for those who can loosen their preconceptions about how to plan travel, it can lead to big savings — and maybe even more fun — whether you’re paying with cash or using points.

WHY RIGIDITY IS SO EXPENSIVE

The cost of travel depends on the interplay between many factors, including:

— Demand.

— Supply.

— Randomness.

— Number of options.

When you make specific plans from the get-go, you essentially constrain the last variable — you give yourself fewer options. This means that the cost of your trip will depend entirely on the first three variables, which are completely outside of your control.

This economic interplay will sometimes fall in your favor, and you’ll score a good deal on the exact destination and dates you wanted. But more often than not, you’ll end up paying more than average simply by starting with a severely limited set of options.

HOW TO PLAN TRAVELS WITH FLEXIBILITY

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