Shield Insurance Agency & Foremost Insurance Company present Insurance Terms
Every industry has its own unique language – and insurance is no exception. Here are some key insurance definitions and terms you might come across as you consider insuring yourself or your stuff.
On World Health Day, 7 April 2021, we will be inviting you to join a new campaign to build a fairer, healthier world. We’ll be posting more details here shortly, but here’s why we’re doing this:
As COVID-19 has highlighted, some people can live healthier lives and have better access to health services than others – entirely due to the conditions in which they are born, grow, live, work and age.
All over the world, some groups struggle to make ends meet with little daily income, have poorer housing conditions and education, fewer employment opportunities, experience greater gender inequality, and have little or no access to safe environments, clean water, and air, food security, and health services. This leads to unnecessary suffering, avoidable illness, and premature death. And it harms our societies and economies.
That’s why we are calling on leaders to ensure that everyone has living and working conditions that are conducive to good health. At the same time, we urge leaders to monitor health inequities and to ensure that all people can access quality health services when and where they need them.
COVID-19 has hit all countries hard, but its impact has been harshest on those communities which were already vulnerable, who are more exposed to the disease, less likely to have access to quality health care services, and more likely to experience adverse consequences as a result of measures implemented to contain the pandemic.
World Health Organization is committed to ensuring that everyone, everywhere, can realize the right to good health.
When spring hits in Michigan, there’s a short period before summer comes where you have the time to care for your lawn and make it presentable!
This kind of spring lawn care usually includes ensuring your sprinklers are working properly to keep your lawn hydrated during the warmer months, taking care of your grass and soil with fertilizer, factoring in weed prevention, and of course, getting ready to do something about those pests and mosquitoes.
Everyone wants a bright, inviting lawn and garden, but sometimes it’s hard to know where to start. Take a look through these tips and tricks to be sure you have the best lawn on the block.
To keep your lawn looking clean and not overgrown, it’s always a good idea to start by taking care of your weeds. Weeds start to show up right when spring does. Michigan’s most common and most stubborn weeds can include Dame’s Rocket, Maple Seedlings, and Dandelion.
While not harmful to humans, besides the occasional allergy symptoms, weeds are essentially a death wish for your lawn. You’ll want to spray some weed killer or dig each one up from the root before it spreads. They can take over the lawn quicker than you think.
Fertilizing your lawn in the spring gives it the nutrients it needs to grow back after the harsh Michigan winters. After the snow melts and the spring rain comes, the nutrients your lawn needs have long been washed away.
A properly fertilized lawn can thrive, just like the one you’ve always dreamed of. It can recreate the whole look of your home, without really changing anything at all.
For a bright green lawn, a fertilizer containing Nitrogen helps; and you’ll want something to ensure your roots are healthy as well, so one containing Phosphorus is a good idea as well.
MARCH 29, 2021 | Walking Tours | Shield Insurance Bog
Topics include public art, history and notable landmarks
Downtown Grand Rapids Inc. partnered with Grand Rapids Running Tours to offer visitors free walking tours around Downtown Grand Rapids throughout this spring season.
These walking tours explore topics ranging from public art, history and iconic Downtown landmarks.
All tours meet at Rosa Parks Circle and no registration is necessary. First come, first serve. Please bring your masks.
See the full schedule below.
March 30, 9:00 – 11:30 AM
This #WomensHistoryMonth, celebrate the #RadAmericanWomen throughout history via public art and FREE walking tours around #DowntownGR! The artwork and tours are based on the New York Times bestselling book “Rad American Women A-Z” by Kate Schatz. With a total of 27 works of public art on electrical boxes featuring portraits of #RadWomen from Angela Davis to Zora Neale Hurston, the tour will give you a background on each public figure and the Rad Local Artist behind each artwork.
April 7, 6:00 PM., Miles of Murals Part One Walking Tour
April 14, 10:00 AM, Miles of Murals Part One Walking Tour
April 21, 6:00 PM, Miles of Murals Part Two Walking Tour
April 28, 10:00 AM, Miles of Murals Part Two Walking Tour
Who says art museums must be inside, enclosed with 4 walls, a ceiling, and a floor? Swirling all about us in Grand Rapids are intriguing artworks on sides of buildings, underneath highway overpasses, on retaining walls, street surfaces, and utility boxes. These are murals – street and wall artworks – painted by artists that celebrate beauty, calls to action, or tributes to heroes. The murals transform otherwise unnoticeable – or worse – blighted spaces into a must-see, energizing attraction. Viewing these murals is a study in local history, community activism, and sheer expressions of creativity… art all the time! So many murals, so little time – so the walk is divided into two parts… we pick up where we left off when we meet for Part Two.
March 19th, 2021
Last Oct. 27 at Globe Life Field in Arlington, Texas, Dodgers left-hander Julio Urías froze the Rays’ Willy Adames for strike three, closing out a 3-1 victory in Game 6 of the World Series and igniting a joyous Los Angeles celebration. The Dodgers had won their first championship since 1988, officially closing the book on the 2020 MLB season.
It also began the countdown to Opening Day, which is now fast approaching.
That also brings up many questions for fans, such as, “Is baseball coming back in 2021?” and “Will MLB allow fans in stadiums?” among other things. To help with that, here is a complete guide to everything you need to know about the 2021 MLB season.
MLB and COVID-19
Last year, the arrival of the coronavirus pandemic shut down Spring Training in mid-March and delayed Opening Day. Ultimately, the 2020 season did not begin until late July, and teams played a 60-game schedule, adhering to MLB’s strict COVID rules. They then embarked upon an expanded postseason, with the field widened from 10 teams to 16.
Nearly a year later, the pandemic persists, although ongoing vaccinations — including many at Major League ballparks — are providing hope. However, COVID-19 will continue to affect the MLB schedule in 2021, especially throughout Spring Training and early in the regular season. That will extend to both fans (in terms of how many are allowed to attend games) and players (who once again will have to abide by health and safety protocols, throughout Spring Training, the regular season, and the postseason).
Free agency and transactions
While the offseason got off to a slow start, most of the top free agents have now signed. That includes reigning National League Cy Young Award winner Trevor Bauer (Dodgers), center fielder George Springer (Blue Jays), catcher J.T. Realmuto (Phillies), second baseman DJ LeMahieu (Yankees), and left fielder Marcell Ozuna (Braves). There also have been some blockbuster trades, including the Padres’ deals for pitchers Yu Darvish (Cubs), Blake Snell (Rays) and Joe Musgrove (Pirates), the Mets’ acquisition of shortstop Francisco Lindor and pitcher Carlos Carrasco (Indians), and the Cardinals swap for third baseman Nolan Arenado (Rockies).
With that said, even with Spring Training now underway, some notable players remain on the free-agent market, including starting pitchers Rick Porcello and Cole Hamels. Clubs will continue looking to bolster their rosters ahead of Opening Day, especially as injuries cut into their depth.
Spring also tends to be a time when teams and players agree to contract extensions, as players often do not want to be involved in negotiations once the regular season begins. MLB already saw one huge deal in late February, with the Padres inking superstar shortstop Fernando Tatis Jr. to a 14-year pact. But there are many other extension candidates to watch.
Spring Training
by Susan Moeller, AARP, March 15, 2021
Christine Zellers tries to run five miles every day and, at 53, considers herself to be in shape. But even she admits that gardening can leave her sore and achy.
“I feel it, especially in the beginning of the season,” she says.
Zellers, an assistant professor of family and community health sciences with Rutgers Cooperative Extension of Cape May County, New Jersey, teaches gardening, leads group exercise classes, and grows vegetables and herbs in her own garden in Ocean City, New Jersey. To protect her body, she tries to remember to stretch and limber up before heading out to dig, plant, or lug big pots around.
“You want to be thinking about the kind of movement you’re going to do and make sure you’re strengthening those body parts, like your core and your back and your legs and your quadriceps,” she says. “So you want to warm up a little bit just like you would if you were going for a run or doing an exercise class.”
Click here for the rest of the story…
Rising Prescription Costs
As healthcare premiums are increasing you may have noticed rising prescription costs. In a study done by Consumer Reports in 2019, 12% of individuals said their prescriptions costs increased by more than $100 over the past year. One contributing factor is that there are no federal regulations that keep drug prices in check.
Most brand-name drugs have generics that can be up to 90 percent cheaper. They aren’t available for all prescription drugs, but it doesn’t hurt to ask your doctor or pharmacist.
Some medications can be a combination of two inexpensive drugs that you can purchase without a prescription.
Many drugmakers offer some type of discount. For example, Janssen, which makes Xarelto, offers a discount that can drop the price down to $10.
These are not all the ways you can help reduce your prescription costs but are some of the most effective ways. As always if you have any questions regarding your healthcare costs please talk to one of our insurance agents.
If an unfortunate event damaged your home and your belongings, could you remember every item you own and how much it’s all worth off the top of your head? Is your home inventory up to date?
A fire, severe weather, burglary, or other disasters can wreak havoc on your home and lead to broken or missing belongings. In the wake of an unfortunate event, having an up-to-date inventory of your items and their value can speed up the claims process and help you recover faster. It can also help you verify any losses for your income tax return and help you purchase the amount of insurance that’s right for you.
Whether you’re setting up your first apartment or have lived in the same house for years, creating an inventory may seem like a daunting task, but it doesn’t have to be. You can start your own inventory with these three simple steps:
There are lots of ways to start tackling your inventory. The bottom line is to start somewhere manageable.
Paper and pencil gets the job done, but technology can take your list to the next level.
Now that you’ve done the work, continuously update your list and store it in a safe space. You don’t want your list to be one of the items damaged in an event.
This article is for informational and suggestion purposes only. If insurance policy coverage descriptions in this article conflict with the language in the policy, the language in the policy apply. To learn more about home insurance coverage, speak with your Shield Insurance Agent.
Since 2006, Shield Insurance Agency has been an Endorsed Local Provider with Dave Ramsey.
Shield Insurance Agency | Website Development by EZLynx® • Copyright © . All Rights Reserved. | Privacy Policy
