Holiday Shopping Tips - How to Get Around Delays and Shortages - Shield Insurance Agency

Holiday Shopping Tips: How to Get Around Delays and Shortages

Instead of fighting the crowds, be creative and do things differently this year
By Penelope Wang, Octavio Blanco November 10, 2021

You’ve heard all the warnings. Shipping delays and supply chain glitches are going to make holiday shopping even more difficult this year. 

Some of the biggest delays have been with large applianceslaptops, and some types of cars. But supply chain problems have led to spot shortages for a broad range of products.

Those concerns have prompted many shoppers to start their gift buying early. As a recent report by Bank of America (PDF) found, 65 percent of consumers had started preparing for the holidays by early October, with one-third having already purchased a seasonal gift.

That said, there are still products available for the holidays, especially if you’re flexible, and Black Friday deals have already begun. Check CR’s deal coverage, including bargains on top-rated laptopsmattresses, and ranges.

Even so, unless you started buying presents before Labor Day, you may feel like you’re already behind. But there’s no need to feel stressed. Fact is, there are plenty of options for gift-giving that don’t involve close monitoring of package tracking alerts.

Instead, consider supporting your local merchants, where you can find a wide variety of gift choices. You can also provide holiday cheer by making thoughtful online purchases, such as giving tickets or paying for services, rather than buying items that may get stuffed into a closet or tossed on a shelf.

“Purchasing local handcrafted items or the gift of an experience, such as a concert, can be more personal and more fun,” says Deborah Small, professor of marketing and psychology at Wharton Business School.

Here are some suggestions:

Go Local

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The future of climate change disclosures - 4 critical risk areas boards should address - Shield Insurance Agency

The future of climate change disclosures: 4 critical risk areas boards should address

Brian McLoughlin, claims officer, Complex Management Liability Claims, Ironshore | Climate Change

In a 2020 study on climate outlook in business, 78 percent of leaders at the world’s top 500 companies reported that managing climate-related risks will be critical in keeping their jobs over the next five years. They know that climate change is a vital business issue — and it’s particularly urgent for companies in the U.S., where experts anticipate that mandatory climate disclosure requirements are on the horizon.

The Securities and Exchange Commission (SEC) has considered climate change a risk area since 2010, and many companies already voluntarily disclose information. But in July 2021, Gary Gensler, chair of the SEC, spoke about his plan to submit a proposed rule for mandatory climate disclosures — and based on an outpouring of public messages, that proposal will likely pass. Mandatory disclosures should make it easier for buyers and investors to access consistent, comparable data about climate impact, and for companies to showcase their positive work. However, these new regulations can feel daunting for board members, particularly at companies with less experience in this area.

“In July 2021, Gary Gensler, chair of the Securities and Exchange Commission (SEC), spoke about his plan to submit a proposed rule for mandatory climate disclosures — and based on an outpouring of public messages, that proposal will likely pass.”

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Can't Find Time For Self-Care Try Habit Stacking - Shield Insurance Agency

Can’t Find Time For Self-Care? Try ‘Habit Stacking.’

This extremely simple productivity hack will instantly carve out time for yourself in a way you never thought of before.

By Alexandra Frost 11/11/2021 05:45am EST | Updated November 11, 2021

We live in a world where it seems like everyone is doing the most. They’re getting their work done, they’re keeping their houses clean and they’re seeing their loved ones ― all while making time to practice self-care. Seeing others “mastering” balanced lives can feel defeating, particularly when you struggle to get through even two tasks on your to-do list.

Of course, sometimes doing nothing is productive, and we all know what we see on social media isn’t always a reflection of reality. But if you are struggling to make some time for yourself, you might just need to do some strategizing.

This is where “habit stacking” comes in, a term created by author SJ Scott in his 2014 book on the topic.

Habit stacking might seem like another kitschy self-improvement hack, but it may just be the mental trick that helps you stick to your quests long term. The strategy involves listing habits you already have ― such as walking the dog or driving to work ― that are already quite easy and routine for you, and attaching new self-care methods on top of them.

Ready to try it yourself? Here’s how to make sure your habit stacking sticks:

Start by picking a small new habit

This can include anything you are hoping to improve on. It should be a self-care technique that makes you feel good, but not necessarily something you always have time to do.

The key here is to start off as granular as possible. Say you want to get some movement in, but just writing “exercise” on your to-do list seems like a lofty goal. Instead, add a workout move you’re trying to master to the end of a habit you already do each day.

Diane Boden, host of the “Minimalist Moms” podcast and author of “Minimalist Moms: Living & Parenting With Simplicity,” practices this each morning by adding pushups after the habit of brushing her teeth.

“If I already practice one behavior, why not attach another to it? The connectivity makes all the difference in maintaining new habits you’d like to develop,” she said, noting that eventually your new habit will become second nature. “Can you get yourself to a point where the habits you desire to cultivate become reflexive?

Write out a list of everyday habits you already do, then stack them together in a way that makes sense

Mentally roll through your normal routine and jot down the automatic behaviors you do each day, like Boden with brushing her teeth. Other options can include getting out of bed, brewing coffee, changing out of work clothes or getting into bed.

Listing these on paper will help you realize the long list of possibilities and find the area of your day that works best for you. For example, Allison Chawla, a psychotherapist in New York, recommended stacking sitting down to dinner with a gratitude moment.

Other potential combinations could be something like meditate for just one minute while brewing your coffee, doing a few yoga poses immediately after changing out of your work clothes or journaling for five minutes when you get into bed.

Boden prefers to stack habits in categories, such as combining two health and fitness habits. For example, you could drink a glass of water before and after your daily walk, improving your health habits in multiple ways.

Build up these combinations slowly for most success

The endgame here is for your brain to automatically associate one habit with another, so this won’t happen overnight.

And don’t try to do too much at once, either. Say you have multiple self-care habits you want to try, like journaling and meditating. What you should not do is string all these habits together or try all the combinations in one day — hence the “stacking.” Focus on making the journaling a daily routine before jumping to that and meditation.

Try not to get discouraged if it takes a long time. “It’s a lifestyle change, so people often don’t see the results they want because they are productive in one aspect but they lose that productivity in another way,” said Andre Pinesett, a physician and student productivity and performance coach.

Also keep in mind that multitasking, which research shows can be inefficient and counterproductive, is not habit stacking and is not helpful, Pinesett added. Instead of trying to do these habits at the same time (can you brush your teeth while doing a pushup?), use one as a cue for the next one to start.

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Businesses Everywhere Are Looking for Help - Shield Insurance Agency Blog

Businesses Everywhere Are Looking for Help

Here’s what you need to know and how to take advantage of all the job openings

by Sharon Waters, AARP, November 3, 2021 | Looking for help

Businesses Everywhere Are Looking for Help

En español

Now would seem like a great time to be looking for work. Job openings hit a record 10.9 million this summer — the highest figure since the Labor Department started tracking that number two decades ago. Is it time for you to return to work or maybe even look for a different job

Kenneth Moore, 67, would say yes. The Chico, California, resident is an independent contractor with Amazon Flex, driving his 2018 Ford Fusion car to deliver packages whenever he wants to pick up a route from the online retailer. Moore says the part-time work — he puts in about 24 hours per week — is flexible and fun, and he’s lost 20 pounds since starting the gig in late June. Moore worked in heavy construction before retiring two years ago, but he found the pace of retirement was too slow, prompting him to take the Amazon position. “I like the idea of having something to do,” says Moore, adding that he didn’t want a job with set hours. “It’s like being your own boss.”

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Small projects, big risks - 6 challenges for small and midsize contractors in the COVID-19 era - Shield Insurance Agency Blog

Small projects, big risks: 6 challenges for small and midsize contractors in the COVID-19 era

Michael Sheelen, bond manager of Small-Mid Contract, New York, Liberty Mutual Surety, Midsize Contractors

Small projects, big risks: 6 challenges for small and midsize contractors in the COVID-19 era

Contractors may assume that smaller projects equate to smaller problems — but that’s not always the case. Construction jobs of all sizes share many of the same logistical and legal risks — and those risks have become even more complex in the wake of the COVID-19 pandemic.

Supply chain issues, labor shortages, and payment delays now define the construction landscape — and many small and midsize contractors don’t have the financial cushion to stay afloat if something goes awry. A series of tough jobs could lead to significant losses for contractors who are unprepared. Here are six risk areas that construction companies should address to position themselves for success in the current COVID-19 era.

1. Distribution issues

As contractors are aware, the COVID-19 pandemic temporarily shut down manufacturers and suppliers across the nation, leading to unprecedented distribution challenges.

As of July 2021, the cost of construction materials is up 20 percent, with a 3.2 percent increase just in the last month. For some common materials, like softwood lumber, prices have increased by more than 125 percent in the last year.

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Mindless Habits That Are Wasting Your Money - Shield Insurance Agency Resources

Mindless Habits That Are Wasting Your Money

Experts share the small spending habits that add up. Mindless Habits.

By Caroline Bologna | 11/04/2021 | 06:40pm EDT | Huffpost.com

“How did I spend so much?!” is a fairly common reaction to a monthly credit card bill. It’s usually followed by the realization that some things need to change.

Cutting back on spending might involve big life changes, like moving to a less- expensive neighborhood or skipping out on an annual group vacation. But it can also involve a reexamination of the smaller things that add up, like the spending we do without much consideration.

From monthly subscriptions that should’ve been canceled long ago to that impulse to buy products simply because the deal is so good, there are many mindless spending habits that waste money. Below, personal finance experts share 16 common ones and their tips for breaking them.

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National Gratitude Month - Shield Insurance Agency

National Gratitude Month

Use #NationalGratitudeMonth | National Day Calendar

National Gratitude Month in November encourages us to embrace the power of gratitude.

Gratitude is more than simply saying “thank you.” Gratitude’s amazing powers have the ability to shift us from focusing on the negative to appreciating what is positive in our lives. Practicing daily gratitude gives us a deeper connection to ourselves, the world around us, and to our Creator.

Everything in our lives has the ability to improve when we are grateful. Research has shown that gratitude can enhance our moods, decrease stress, and drastically improve our overall level of health and wellbeing. On average, grateful people tend to have fewer stress-related illnesses and experience less depression and lowered blood pressure, they are more physically fit, they are happier, have a higher income, have more satisfying personal and professional relationships, and will be better liked. Grateful kids are even more likely to get A’s in school.

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Toys For Tots can be dropped off at the Shield Insurance Agency Home Office in Hudsonville, MI

Stop by the Shield office and drop off a Toys For Tots donation

Click here for details

Bring the Joy of Christmas to Less Fortunate Children

The Shield Insurance Home Office in Hudsonville, MI, is proud to support the Toys for Tots Foundation.

Please stop by and drop off a Toy for Tots!


The Local Impact

Holland MI during 2020

37,132
Toys Distributed
12,500
Children Supported

Marine Toys for Tots Foundation, an IRS recognized 501(c)(3) not-for-profit public charity is the fundraising, funding, and support organization for the U.S. Marine Corps Reserve Toys for Tots Program. The Foundation was created at the behest of the U. S. Marine Corps and provides support in accordance with a Memorandum of Understanding with the Commander, Marine Forces Reserve, who directs the U. S. Marine Corps Reserve Toys for Tots Program. The Foundation has supported Toys for Tots since 1991.

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Shield Insurance Thanks All Veterans

Favorite Veterans Day Poems

from the National Endowments of the Arts in honor of Veterans Day

Battleground” by William Trowbridge

“Those nights I heard shouts from the dark
of my parents’ room, he was back down
in his foxhole, barking orders, taking fire…”


At the Vietnam War Memorial” by Robert Dana

“…we’ve come to find
your brother’s name, etched
in the long black muster
of sixteen years of war—”


Thanks” by Yusef Komunyakaa

“…Thanks
for the vague white flower
that pointed to the gleaming metal
reflecting how it is to be broken…”


Dulce et Decorum Est” by Wilfred Owen

“Bent double, like old beggars under sacks,
Knock-kneed, coughing like hags, we cursed through sludge,
Till on the haunting flares we turned our backs…”

Click here for Veteran Day more poems


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10 Tips to Avoid Food Waste at Home - Shield Insurance Agency Blog

10 Tips to Avoid Food Waste at Home

By Fred Decker  | December 1, 2020 | eHow.com

Whether you’re looking to reduce your personal carbon footprint or just stretch your budget, cutting down on the amount of food you waste in your home is a big step in the right direction. Most of us waste more than we think (if you weighed and wrote down what you throw out as many restaurants do, you’d be shocked), and learning to reduce food waste is one of the most powerful things you can do as an individual. Here are 10 tips to get you started.

1. First In, First Out

When it comes to minimizing food waste, you can learn a lot from the professionals. Restaurants organize ingredients on a system of “first in, first out” or FIFO, which just means organizing your food so you always use older things before newer things. Restaurants might label and date their ingredients, but you probably don’t need to do that at home (though it helps). Just make sure when you’re putting things away that you leave the old food front and center, and tuck the new stuff in behind. Whether it’s your fridge, freezer or pantry, that usually does the trick.

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