What is Insurance and Why is it Important?

Have you ever had a moment — while looking at your insurance policy or shopping for insurance — when you’ve thought, “What is insurance? And do I really need it?”

You’re not alone.

Insurance can be a mysterious and puzzling thing. How does insurance work? What are the benefits of insurance? And how do you find the best insurance for you? These are common questions, and fortunately, there are some easy-to-understand answers for them.

To help, here are a few simple insurance explanations:

What is insurance?

Insurance is a financial safety net, helping you and your loved ones recover after something bad happens — such as a fire, theft, lawsuit or car accident. When you purchase insurance, you’ll receive an insurance policy, which is a legal contract between you and your insurance provider. And when you suffer a loss that’s covered by your policy and file a claim, insurance pays you or a designated recipient, called a beneficiary, based on the terms of your policy.

The most difficult thing about insurance is that you’re paying for something you hope you never have to use. Nobody wants something bad to happen to them. But suffering a loss without insurance can put you in a difficult financial situation.

What are the benefits of insurance?

Insurance is an important financial tool. It can help you live life with fewer worries knowing you’ll receive financial assistance after a disaster or accident, helping you recover faster. When it comes to life insurance, this could mean your family doesn’t have to move out of the house or that your kids can afford to go to college. For auto insurance, it could mean you have extra cash in hand to help pay for repairs or a replacement vehicle after an accident. Insurance can help keep your life on track, as much as possible, after something bad derails it.

Your independent agent is a great resource to learn more about the benefits of insurance, as well as the benefits in your specific insurance policy. For example, you may have access to perks such as free roadside assistance, risk control consulting for businesses, or cash value in a life insurance policy, in addition to your insurance coverage.

And in some cases, like auto insurance and workers’ compensation, you may be required by law to have insurance in order to protect others.

How does insurance work?

Insurance is essentially a gigantic rainy day fund shared by many people (called policyholders) and managed by an insurance carrier. The insurance company uses money collected (called a premium) from its policyholders and other investments to pay for its operations and to fulfill its promise to policyholders when they file a claim.

Because of the unpredictable nature of natural disasters — like tornadoes, hail, wildfires and hurricanes, and everyday disasters such as fender benders and kitchen fires — an insurance company’s main goal is to remain financially strong enough to handle anything that comes its policyholders’ way.

How do I choose an insurance provider?

Here are a few things to consider when choosing an insurance company to work with:

  • Insurance coverage. What types of insurance does the company offer? Can you buy all of your insurance through the company and receive a discount?
  • Financial strength. Would the company be able to pay your claim? Look to U.S. credit rating agency AM Best to determine the company’s financial strength.
  • Agency model. Would you prefer the help of a local agent? Or would you prefer to manage your insurance on your own?
  • Customer service. Do others recommend this company? What are people saying about it in online customer reviews?

When in doubt, contact Shield Agency and ask them any questions you have about insurance. Shield agents are insurance experts with the knowledge to guide you through the process and help you find the best protection for you and the people and things you care about most.

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Michigan Birding

Michigan Birding is year-round. Michigan Audubon and its 35 chapters host field trips, workshops, and specialty birding tours throughout the year, highlighting the diversity of birdlife in the state. Our organization supports the development of a statewide network of birding trails, giving birders increased knowledge for accessing the state’s best birding locations.

Download a checklist for Michigan birding

Michigan Birding Audubon programs are available for birders of all experience levels. During the summer the organization offers tours of the Kirtland’s Warbler breeding habitat.

The annual Signature Event series offers birders the opportunity to experience seasonal migration in a fun, educational setting, and place special emphasis on conservation needs. For a complete listing of Michigan Audubon and local chapter programs, please visit our Event Calendar.

Michigan Audubon maintains a robust direct email list and is active on social media. Please subscribe to our monthly installments of Michigan Audubon E-News and consider joining our social media feeds.

Birding in a Digital World

Michigan Birding has never been easier, thanks to the wealth of resources and tools available via the Internet and smart device technology. Here are a few of our favorite online birding resources!

Birding Listservs

Online ID Tools and Smartphone Apps

eBird

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Insurance Reforms: Resources to Help

Shield Insurance Blogs | Insurance Reforms | Contact us for more info

Insurance Reforms: Resources to Help

Insurance Reforms: The Department of Insurance and Financial Services (DIFS) has developed educational resources to help Michigan drivers navigate the state’s new auto insurance law. DIFS has launched a new website, www.michigan.gov/autoinsurance, created consumer guides, and now has a dedicated hotline, 833-ASK-DIFS (275-3437), and email address, autoinsurance@michigan.gov, where drivers can ask questions and file complaints related to auto insurance in Michigan.

In addition to creating these new educational resources, DIFS is also working to implement the legislation to ensure consumer protection and industry compliance.

In May 2019, Gov. Whitmer signed historic bipartisan auto no-fault legislation to lower costs for Michigan drivers, maintain the highest coverage options in the country, and strengthen consumer protections. These changes apply to auto insurance policies issued or renewed after July 1, 2020.

“Last year we worked closely with leaders from both political parties to preserve no-fault and create a better auto insurance system for Michigan drivers. Protecting policyholders and providing them access to affordable coverage is fundamental to the prosperity of our entire state,” said Whitmer. “Drivers are now encouraged to use these educational resources before making the important decision of choosing their auto insurance policy.”

The new site details changes in the law, new coverage options, shopping tips, and provides many other resources that help explain the new reforms and how they will affect auto policies in Michigan.

“DIFS is here to help Michigan drivers understand the new auto insurance law so they can decide on a policy that best fits their family’s needs and budget,” said DIFS Director Anita Fox. “We are focused on educating policyholders and implementing these reforms to ensure that consumers are protected and that companies are in compliance with the law.”

Following the signing of no-fault reform, DIFS began taking important steps to implement the new law. These measures include:

  • Fraud Investigation Unit: DIFS has established a new unit to investigate criminal and fraudulent activity related to the insurance and financial markets and work with Michigan Attorney General Nessel and law enforcement to prosecute these crimes.
  • New Consumer Forms on Coverages: DIFS developed new forms for insurance companies, agencies and agents to provide to drivers when choosing new coverage options.
  • Independent Actuaries: In anticipation of an increase in auto insurance company rate filings, DIFS’ rate review staff is working closely with independent actuaries to ensure the filings are thoroughly reviewed and actuarily sound.
  • Industry Bulletins: DIFS has issued more than 10 bulletins to the insurance industry regarding compliance in the areas of rate filing, reimbursement rates, and other enforcement issues.

Key Aspects of Michigan’s New Auto Insurance Law:

Lowers Costs, Maintains Highest Benefits

  • Personal Injury Protection (PIP) Choice: Drivers will be able to choose a coverage level that is right for their family. The new limits equal or exceed the highest benefits in the country and Michigan is the only state where unlimited PIP medical coverage continues to be an option. PIP medical pays for medical care if policyholders are in an auto accident.
  • Premium Reduction: Each insurance company will be required to reduce statewide average PIP medical premiums for eight years. Drivers’ overall premiums will depend on their individual circumstances and the coverage they select.
  • Fee Schedule: The new law establishes a fee schedule designed to control the costs that medical providers may charge auto insurers for their services. This is similar to cost control provisions used by other types of insurance, such as health insurance. This fee schedule will make PIP medical coverage premiums more affordable for policyholders, but will not affect the services to which existing and future accident victims are entitled.
  • Michigan Catastrophic Claims Association (MCCA) Assessment: The MCCA has already announced that as a direct result of the new law, it is lowering its per vehicle assessment starting July 2, 2020, which will save Michigan drivers at least $120 per car.

Increases Consumer Protections:

  • Elimination of Certain Non-Driving Factors: The new law prohibits auto insurance companies from using sex, marital status, home ownership, credit score, educational level, occupation, and zip codes in setting auto insurance rates.
  • Prior Approval: Auto insurance rates must now be filed with and approved by DIFS prior to being offered to consumers.
  • Fines and Penalties: The new law allows for increased fines on insurance companies, agencies, and agents for certain violations of the law.
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Auto No-Fault Reform Quick Facts

Shield Insurance Blog | Auto No-Fault Reform | Auto Insurance | Start A Quote Today

MICHIGAN AUTO NO-FAULT REFORM QUICK FACTS

On May 30, 2019, Governor Whitmer signed a historic bipartisan no-fault auto insurance reform bill to provide lower rates for Michigan drivers, protect insurance coverage options, and strengthen consumer protections.

When Does the New Law Take Effect?

The law currently requires you to carry unlimited medical coverage to pay for your expenses if you are injured in an auto accident. The new law allows you to choose a level of medical coverage when your policy renews after July 1, 2020. If you are already receiving payments from your auto policy due to injuries from an auto accident, you will continue to receive the current unlimited benefit regardless of the choice you make for the future. This is also true if you are injured in an accident between now and July 1, 2020.

Will My Auto Insurance Bill Be Lower When the Law Goes Into Effect?

Because the new law will allow drivers to choose a level of medical coverage, insurance companies are required to reduce the premium for this coverage (known as PIP coverage) so that there will be an average reduction per vehicle based on the level of coverage chosen.  Your premium and savings will depend on the PIP option you select and other coverages you choose.

How Will I Know What Choices I Have and What to Choose?

The new law requires that agents and insurers give you a form that describes the benefits and risks of the coverage options. You may also want to talk with an insurance agent to discuss your personal auto insurance needs.  In addition, DIFS’ website will be updated on an ongoing basis to provide the latest information to Michigan drivers as the effective dates of the new law approach. Please check www.michigan.gov/AutoInsurance for updates and educational materials.

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Which Car Brands Make the Best Vehicles?

Shield Insurance Blogs | Car Brands | Auto Insurance | Start A Quote Today!

Consumer Reports’ exclusive testing and member survey data reveal the best and worst automotive brands overall

By Consumer Reports Last updated: February 20, 2020

Porsche pulls into the top spot this year, leapfrogging third-place Subaru, whose score remains unchanged. Genesis holds steady in second place.

Those are CR’s findings, based on our exclusive testing and member surveys. The leaders benefit from outstanding results in our road test and reliability and owner satisfaction surveys, which are factored into each model’s Overall Score. The best brands on this list tend to have more vehicles in their product lineups that consistently performed well.

CR recommends all the PorscheGenesis, and Mazda (another top brand) models we’ve tested. Subaru falls just short of that distinction because of the below-average predicted reliability of its WRX sedan. Tesla was the biggest gainer, climbing eight positions because of the improved reliability of the Model 3 and Model S sedans.

The bottom brands are also an unchanged club, with Fiat, Mitsubishi, Jeep, Land Rover, Cadillac, Jaguar, Alfa Romeo, and GMC again falling short. We tested a total of 36 models from those brands, and we recommend only one, the Jeep Grand Cherokee.

Brands that move slightly up or down in our ranking tend to have new or redesigned model offerings, such as Audi with the A6 and A8, or changes in predicted reliability. Shoppers should remember that models from all brands can vary in reliability performance.

How We Rank the Car Brands

Brand report cards are built on an average of the Overall Score for each model tested. A brand must have at least two models tested to be included. The Overall Score is based on four key factors: road test, reliability, owner satisfaction, and safety.

• The road-test scores are for vehicles purchased by CR and run through more than 50 tests.
• Reliability predictions are based on problems reported by CR members in 17 trouble areas.
• Owner satisfaction from surveyed CR members reflects whether drivers would purchase the same car if they had it to do again.
• Safety includes crash-test results and extra points awarded for proven advanced safety features that come standard for the model.

Learn more about how Consumer Reports tests cars.


Editor’s Note: This article also appeared in the April 2020 issue of Consumer Reports magazine.

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Volunteering Is Important

Are you considering volunteering? It’s an important way to help individuals and communities in need. And, as Calvin Holbrook writes, the benefits of this altruistic act are proven by science.

With most of us leading super busy lives, the idea of volunteering – giving your time and energy to a cause without financial reward – may seem an impossible task. I mean, how can we fit anything else into our already jam-packed schedules? However, volunteering is important for many reasons and doesn’t have to take up too much time. And, in fact, the benefits of volunteering are vast for the volunteer – not just the community, individual, or organization receiving their assistance.

Indeed, it’s these benefits that could partly explain the rise in the popularity of volunteering over the past few years. During 2012-13, 29 percent of adults in England, UK, said they had formally volunteered at least once a month. The figure in the United States is not far off, at around 25 percent (with slightly more women volunteering than men).

Promisingly, an increasing number of these people are young adults. In the UK, figures show that 2.9 million people in the 16 to 25-year-old age group volunteered during 2015, compared to 1.8 million in 2010: that’s a whopping 50 percent increase.

So, why the interest in volunteering? The Greek philosopher Aristotle once said that the essence of life is “to serve others and do good,” and it seems an increasing number of us are starting to wake up and see why volunteering is important. People are starting to understand how serving and helping each other and different communities benefit not just others but ourselves, too.

Why is volunteering important?

Volunteering is important as it offers essential help to worthwhile causes, people in need, and the wider community. Indeed, many organizations and charities rely on the generosity of volunteers as often they’re only part-funded through government or local councils, and cannot afford to pay salaries for all their staff. In fact, many companies depend almost solely upon teams of volunteers to help them thrive and do their work.

So, what are the benefits of volunteering?

Of course, the benefits of volunteering for those receiving help are clear. Whether it’s providing kids in a Third World country with free English classes or litter picking from your local beach, the benefits to the receiver and the wider community are usually part of the reason why you decide to volunteer in the first place.

But did you realize just how important volunteering could be for the person doing it? In fact, volunteering is beneficial to the doer for a whole host of reasons, including stress reduction, combating depression, and providing a sense of purpose.

“Volunteering is important as it offers essential help to worthwhile causes, people in need, and the wider community.”

And while studies do show that the more you volunteer, the more benefits you’ll experience, volunteering doesn’t have to involve a long-term commitment. Even giving in simple ways can help those in need and improve your overall health and happiness. So, let’s take a closer look at just why volunteering is important with seven key benefits of this altruistic act.

1. Volunteering connects you with others

If you’re feeling lonely, isolated, or simply want to widen your social circle, volunteering in your local community is an important – and often fun – way to meet new people. In fact, one of the best ways to make new friends and strengthen existing relationships is to commit to a shared activity together, and volunteering lets you do just that.

If you’ve recently moved to a new city or country, volunteering is an important and easy way to meet new people and it also strengthens your ties to that local community and broadens your support network. Furthermore, it connects you to people who have common interests and passions and who could go on to become great friends.

In fact, volunteering is an important and interesting way to meet people who you might not normally connect with: people from different age groups, ethnicities, or social groups. Because volunteering is open to everyone, it allows you to meet a wide variety of people from all sorts of walks of life, something that can only open your eyes further.

2. Volunteering builds self-confidence and self-esteem

Doing good for others and the community helps to create a natural sense of accomplishment. And working as a volunteer can also give you a sense of pride and identity, helping to boost your self-confidence further by taking you out of your natural comfort zone and environment.

Indeed, volunteering helps you to feel better about yourself, which you can then take back to your ‘regular’ routine, hopefully creating a more positive view of your own life and future goals.

If you’re shy or fearful of new experiences, cultures, and travel, volunteering overseas could be an important and insightful way to help you build self-confidence in this area too (not forgetting the other benefit of this type of volunteering – a chance to see a bit of the world at the same time!).

Research shows that volunteering could be particularly useful and important in boosting the self-esteem and confidence of adolescents who are just starting out on their life journey. A 2017 study from the University of Missouri and Brigham Young University that included almost 700 11- to 14-year-olds examined how sharing, helping, and comforting others affected self-confidence. The study found that altruistic behaviors may indeed raise teens’ feelings of self-worth and that adolescents who assisted strangers reported higher self-esteem one year later.

“If you’re feeling lonely or simply want to widen your social circle, volunteering in your local community is an important – and fun – way to meet new people.”

And a National Youth Agency report seemed to corroborate this evidence. In it, young people aged 11 to 25 “repeatedly stressed that volunteering had increased their self-confidence, self-esteem, and self-belief.” This self-confidence boost was shown to be strongly linked to improved communication skills, especially amongst young volunteers who were previously nervous about meeting new people.

3. Volunteering is important for physical health…

Interestingly, volunteering has distinct health benefits that can boost your mental and – perhaps more surprisingly – physical health. Indeed, a growing body of evidence suggests that people who give their time to others might benefit from lower blood pressure and a longer lifespan.

A 1999 study showed that ‘high volunteers’ (helping out at two or more organizations) had a 63 percent lower mortality rate than non-volunteers. And more recent research (2013) from Carnegie Mellon University found that adults over 50 who volunteered regularly were less likely to develop high blood pressure (hypertension) compare to non-volunteers. Hypertension is an important indicator of health as it contributes to stroke, heart disease, and premature death.

Lead study author Rodlescia Sneed said that carrying out volunteer work could increase physical activity among those who aren’t normally very active and that it could also reduce stress: “Many people find volunteer work to be helpful with respect to stress reduction, and we know that stress is very strongly linked to health outcomes.”

Importantly, volunteers seem to notice these health benefits too. Indeed, a 2013 study from UnitedHealth Group and the Optum Institute of over 3,300 U.S. adults revealed that 76 percent of those in the United States who volunteer said it makes them feel physically healthier. Also, around 25 percent said that volunteering had been important in helping them manage a chronic health condition.

4. …and mental health

When it comes to volunteering being important for mental health, the benefits are clear. It can help counteract the effects of stress, depression, and anxiety. Indeed, the social contact aspect of helping others can have a profound effect on your overall psychological well-being.

Volunteering keeps you in regular contact with others and helps you develop a solid support system, which in turn combats against feelings of loneliness and depression. Volunteering with animals has also been shown to improve mood, reducing stress and anxiety.

Finally, volunteering boosts mental health simply because it makes you happier; the so-called ‘helper’s high’. Human beings are hard-wired to give to others, and by measuring so-called brain activity and happiness hormones, researchers have found that being helpful to others can deliver great pleasure.

A 2008 study from the London School of Economics examined the relationship between volunteering and happiness in a large group of American adults. The researchers found that the more people volunteered, the happier they were. Compared with people who never volunteered, the odds of being ‘very happy’ rose seven percent among those who volunteer monthly and 12 percent for those who volunteer every two to four weeks.

5. Volunteering is important for a sense of purpose

Because volunteering means choosing to work without receiving monetary compensation, people often choose to give their time to issues or organizations they feel are important or have a special connection to.

For example, if you’re a big animal lover you may want to volunteer at a pet shelter. Or, perhaps you’ve to live with or have recovered from an illness and want to dedicate some of your spare time to a charity that helps others living with the same condition. Volunteering like this helps address a social problem that is meaningful to you and in turn helps to build a sense of purpose, which furthermore boosts your own happiness.

“When it comes to volunteering being important for mental health, the benefits are clear. It can help counteract the effects of stress, depression, and anxiety.”

You can try volunteering at any age to help build a sense of purpose, but it’s often particularly common in older adults – those that have retired or maybe lost a partner or friend. Whatever your age or life story, volunteering can be an important technique to help give your life new meaning and direction!

6. Volunteering helps you forget your own problems

One other benefit of volunteering is that focusing on others can give us a deeper sense of perspective and help distract us from negative thoughts and help stop rumination. Volunteering often involves helping those in need and can be useful in showing us that, in fact, our own lives are not as bad as we thought they were.

7. Volunteering is important for your career

In an increasingly competitive job market, volunteering experience can be incredibly useful. It shows potential employers that you can take initiative and that you’re willing to give your own time to improve the world for other people.

Furthermore, volunteering gives you the opportunity to practice important common skills used in the workplace, such as communication, teamwork, problem-solving, planning, and organization. Indeed, if you haven’t had a full-time job before then volunteering is an essential way to prove your skills when you do go for work interviews.

Also, if you’ve just graduated or looking for your first job, volunteering is an important and relatively easy way to get a foot in the door of a company you’d like to work with. Even if there’s no immediate chance of employment afterward, volunteering can help you to make connections for the future.

Alternatively, if you’ve already had jobs and are considering a change of direction, volunteering is an important and fun way to try out different career options, especially if you’re not quite sure of where you want to go next. Indeed, volunteering offers you the chance to try out a new career without making a long-term commitment!

Conclusions: the importance of volunteering

It’s clear the benefits of volunteering are huge – improved mental and physical health, new friends and avoiding loneliness, a sense of purpose, and deeper self-confidence. In turn, all of these things will help to boost your overall happiness: a win-win situation for all involved.

If you’re considering volunteering, ask yourself a few questions before taking the plunge. Firstly, really think about which causes you’re passionate about – it means you’re more likely to enjoy and stay committed to the work.

Secondly, are you looking for regular volunteering opportunities or would you prefer a one-off project? Thirdly, what skill set can you offer and what can you hope to gain from volunteering? Good luck when you finally get going and make sure you have fun – volunteering is important – the benefits are clear – but it’s important to enjoy it too!

Have you ever or do you still volunteer now? What are the benefits for you? What did you enjoy most about it? The happiness.com community would love to hear your story below…

Source: Happiness.com

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The Power Of Kindness

From boosting your mood to lowering stress, the power of kindness is proven. In fact, science shows the benefits of kindness are greater for the giver than the receiver. So, as Calvin Holbrook suggests, help others and help yourself, too.

Can you remember the last time a stranger was kind to you? Maybe someone held a door open or offered you help with directions in the street? Or, perhaps you can recall the last time you helped somebody. After recently carrying out a few altruistic acts myself, I wanted to find out more about the power and benefits of kindness

Just before Christmas, I passed a homeless man sitting outside a London Tube station. Coming out of a nearby coffee shop after paying almost £3 for a flat white, I couldn’t justify spending that on a hot drink while he was sat with nothing. I started a conversation to find out how he was doing and he was thankful when I offered him some change and a banana. However, he seemed most grateful when I simply asked him what his name was. When I got up to leave, he looked directly into my eyes and gave me a genuine ‘thank you.’

Later, I was traveling on the top deck of a bus when a very jittery and ill-looking man got off and slipped, cutting his hand badly. While the driver called the ambulance, people in the street just stared and did nothing. I got off the bus and sat with him, putting an arm around him, and chatting to help keep him calm while we waited for an ambulance. Again, when I had to leave, he looked squarely at me and told me how grateful he was.  

The power of kindness: a ripple effect

In all three of these examples, the power of kindness is obvious for the recipient: they were in a moment of need and received assistance. But the power of altruism also extended to me – in fact, one major benefit of kindness is that the love spreads both ways; it’s a win-win situation.

A positive sign: showing kindness is easy and free

After connecting with these three people I felt a sense of happiness and pride to know I’d made a small but meaningful impact on their day. In fact, this feel-good sensation stayed with me for hours afterward. Experiencing this feeling has also made it more likely that I’ll carry out more random acts of kindness in the future. 

Likewise, I like to think that the power of kindness can potentially rub off on the people I’ll help out in the future, that they, in turn, will be more likely to assist others. In fact, it turns out that science backs up this kindness’s ‘ripple effect’. 

“One major benefit of kindness is that the love spreads both ways; it’s a win-win situation.”

A 2018 study focused on employees at a Spanish company. Workers were asked to either a) perform acts of kindness for colleagues, or b) count the number of kind acts they received from coworkers. The results showed that those who received acts of kindness became happier, demonstrating the value of benevolence for the receiver.

However, those who delivered the acts of kindness benefited even more than the receivers. That’s because not only did they show a similar trend towards increased happiness, but they also had a boost in life and job satisfaction, as well as a decrease in depression.

Furthermore, the effects of altruism were contagious. Those colleagues on the receiving end of the acts of kindness ended up spontaneously paying it forward, themselves doing nice things for other colleagues. This study suggests the ripple effect really is one of the benefits of being nice.

Kindness and psychological flourishing

Further studies back up the power of kindness. In another, researchers asked members of the public to either perform acts of kindness – such as opening doors for strangers – for one month or to perform kind acts for themselves, such as treating themselves to a new purchase. 

The researchers measured the participants’ level of so-called ‘psychological flourishing’ – their emotional, psychological, and social well-being at the start and end of the experiment. By the end, those who had carried out kind acts for others had higher levels of psychological flourishing compared to those who acted kindly towards themselves. Kindly acts also led to higher levels of positive emotions.

Good to give: kindness benefits both the giver and receiver

Meanwhile, another study incorporated cold hard cash to test the powers of altruism. Researchers gave participants either $5 or $20 which they had to spend either on themselves or others before the end of the day. They measured the participants’ happiness levels before giving them the money and then called them on the phone in the evening. The results? Those who had spent the money were happier than those who used the money for their own needs.

The physical effects of kindness

So, science and studies show that being kind and helpful clearly has a positive and uplifting effect on those carrying out the act. But what exactly is happening in the body when you help someone out? Here are four ways keys in which the physical benefits of kindness can be felt.

1. Kindness releases feel-good hormones

When you do kind acts for other people, so-called happiness hormones are released, boosting your serotonin, the neurotransmitter responsible for feelings of well-being and satisfaction. Endorphin levels also rise, leading to a phenomenon known as a ‘helper’s high’ (just like what I experienced). 

2. Kindness can reduce anxiety

Another physical benefit of kindness is that it can help to lower anxiety. Social anxiety is associated with low positive affect (PA), which relates to an individual’s experience of positive moods such as joy, interest, and alertness. A four-week study on happiness from the University of British Columbia found that participants who engaged in kind acts displayed major increases in their PA levels that were maintained during the study duration. 

3. Kindness may help alleviate certain illness

Inflammation in the body is linked to numerous health problems including chronic pain, diabetes, obesity, and migraines. For older generations at least, volunteering as an act of kindness may be of benefit to reduce inflammation. In fact, according to one study of older adults aged 57-85, “volunteering manifested the strongest association with lower levels of inflammation.” 

Additionally, oxytocin, also released with acts of kindness, reduces inflammation, and can directly affect the chemical balance of your heart.  According to Dr. David Hamilton, “oxytocin causes the release of a chemical called nitric oxide in blood vessels, which dilates the blood vessels. This reduces blood pressure and therefore oxytocin is known as a ‘cardioprotective’ hormone because it protects the heart (by lowering blood pressure).”

4. Kindness can reduce your stress levels

Helping others takes you out of your own mind and can potentially help to build relationships with other people. Anything that helps you to build bonds with other people is known as ‘affiliative behavior’.

And, according to one study on the effects of pro-social behavior — action intended to help others  on stress, “affiliative behavior may be an important component of coping with stress and indicate that engaging in pro-social behavior might be an effective strategy for reducing the impact of stress on emotional functioning.”

“Science and studies show that being kind and helpful clearly has a positive and uplifting effect on those carrying out the act.”

Furthermore, once we establish an ‘affiliative connection’ with someone — a relationship of friendship, love, or other positive bonding — we feel emotions that can boost our immune system. So, it seems continued altruism can boost your happiness and improve relationships and connections, in turn indirectly boosting your health.

Shifting to kindness

So, knowing this, why aren’t people benefiting from the power of kindness? Why aren’t more people making a conscious effort to change the lives of others? 

For one, in our fast-paced world, benevolence and compassion often end up taking a back seat to self-interest – and selfies. People don’t seem to take the time to stop and help others or even notice what’s going on as we’re often wrapped up in our own lives.

Helping hand: the power of kindness is proven

Also, some people believe that showing kindness and compassion is a weakness and will only lead to being taken advantage of. But, the truth is, it’s in our human DNA to show kindness. In fact, we’re the only mammals with an extended gestation period, and while other animals rely on support for a short period before becoming self-reliant, we depend on the care of our caregivers to provide for our needs. Indeed, kindness is fundamental to human existence – we’re literally wired for it. 

Kindness is not something that demands hard work or huge amounts of time. It’s something all of us can strive to achieve every day. And, knowing that the power of kindness and its benefits are immense for ourselves and not just the receiver, why wouldn’t you want to help others more? 


Source: Happiness.com

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Top ten of the most extravagant Celebrity insurance policies

Shield Insurance Blog | Celebrity Insurance |

Celebrity insurance: Top ten of the most extravagant insurance policies

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

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

Zoom on celebrities’ most extravagant insurance covers

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

source: Atlas Magazine, July 2018


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