What Jane Austen can teach us about resilience - Shield Insurance Agency Blog

What Jane Austen can teach us about resilience

By Heloise Wood | 2nd February 2021 | The BBC

What Jane Austen can teach us about resilience

Sales figures would suggest I’m far from the only one relying on her humor and heart to get me through these strange days. In the UK, as Kiera O’Brien, charts and data editor of the Bookseller, notes, Austen experienced a sales rise of 20% in the UK between 15 June and 7 November last year, compared to the same period in 2019. Last December saw the 245th anniversary of her birth and her popularity only seems to be getting stronger.ADVERTISE

Her novels may be mischaracterized as romantic escapism, but at their core, they have a lot to say about perseverance – and it makes them perfect reading, for now, writes Heloise Wood.

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10 Hacks to Keep Your Home Cool Without AC - Shield Insurance Agency Blog

10 Hacks to Keep Your Home Cool Without AC

By Fred Decker | July 9, 2020 | eHow.com | Cool Without AC

Turning on an air conditioner is the quick and easy answer to hot days, but AC isn’t always available. Even when it is, there are downsides: It can drive up your power bill dramatically, and it’s not exactly the most eco-friendly appliance in your home. Keep your home cool with out ac with these 10 smart home hacks, which are good for the planet and your pocketbook.

1. DIY Cooling for Where You Are

It’s a lot of work to cool the whole house when really all you need to do is cool the spot where you are. You can make a simple DIY desktop mini air conditioner unit with just a few inexpensive pieces, including a USB fan, a plastic bucket, and some disposable containers. It does a fine job of keeping you comfy at your desk, or while you’re watching TV from your favorite chair. You can follow the same basic steps to make a larger version from a foam picnic cooler, if you wish, and cool a small room.

2. Be Smart About Appliance Use

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How to Protect Your Brain Health Now | Shield Insurance Agency Blog

How to Protect Your Brain Health Now

The pandemic can be hard on your memory, too. Here, from a new report, are tips for building resiliency

by Hallie Levine,  AARP, March 8, 2021 | Brain Health

“While a COVID-19 infection itself can directly harm your brain, months of isolation can take a toll as well,” says Sarah Lenz Lock, executive director of the Global Council on Brain Health (GCBH), an independent collaborative of scientists, doctors, and policy experts convened by AARP to provide trusted information on brain health. That’s why the council has released a report on how the brain health of older adults has been affected by the pandemic and what research is needed to address the problem. Along with the latest scientific findings, the report includes tips for older adults to adopt.

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Money disagreements can destroy families. Here’s how to prevent that from happening Shield Insurance Agency Blog

Money disagreements can destroy families. Here’s how to prevent that from happening


Michelle Fox
|AUG 25 202112:06 PM EDT | UPDATED WED, AUG 25 202110:53 PM EDT | CNBC.COM | Money disagreements

Money disagreements over money can ruin relationships.

To be sure, families will not always agree on all financial matters. It is how you handle the situation that counts.

“Money is emotional,” said licensed marriage and family therapist Dr. George James, chief innovation officer, and senior staff therapist at the non-profit Council for Relationships.

“Try to communicate about money,” he added. “Don’t make it this thing that no one talks about.”

For Derek and Jocelyn Porter, who own a Philadelphia-based children’s entertainment business called D&J Costumes, it was a disagreement over whether to buy a new $60,000 car that brought them to a stalemate.

Jocelyn Porter, who appeared on CNBC’s “Money Court” along with her husband, wants to get a new Mercedes to replace her old car, which is having transmission problems.

“I have had my E350 Mercedes for the last five years,” Jocelyn Porter said. “It adds a touch of class and quality to my business.”

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19 Mistakes People Make With Houseplants Shield Insurance Agency Blog

19 Mistakes People Make With Houseplants

Experts share common missteps in “plant parenting” and how to get it right.

By Caroline Bologna | 08/16/2021 06:00pm EDT | Updated August 17, 2021 | Huffpost.com

If you follow interior design influencers or otherwise keep up with trends in home decor, you’ve likely noticed the mania around houseplants. Indeed, over the past few years, millennials, in particular, have developed a love affair with all things green.

But as newcomers to the indoor plant world quickly learn, keeping your indoor flora alive can be challenging. The leaves may turn brown, wilt away, develop spots or otherwise fail to thrive. Still, there’s no need to despair!

“Plant parents of all skill levels have trouble with houseplants at one time or another, so don’t worry or be afraid to try, try again!” Liam Heeks, manager of Tula Plants & Design, told HuffPost.

To help new and aspiring plant parents, we asked experts to share the biggest mistakes they see people make with their houseplants. Read on for 19 approaches to avoid (and their advice for getting it right).

Choosing Houseplants For The Wrong Reasons

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When Disaster Strikes What to Put in Your Medication Go Bag - Shield Insurance Agency Blog

When Disaster Strikes: What to Put in Your Medication Go Bag

Atlantic hurricane season is a good reminder that everyone should prepare this potentially lifesaving kit

By Consumer Reports Last updated: July 05, 2021

A well-stocked Medication Go Bag can be used to soothe a cut or burn—or to save your life during a hurricane, flood, fire, or other emergencies.  

But it’s important not to wait until you’re faced with the need to leave your home in a hurry to assemble your medication go bag, says Geoffrey C. Wall, Pharm.D., a professor of pharmacy practice at Drake University in Des Moines, Iowa.

Whether you buy a kit from a drugstore or build it yourself, Wall recommends that all households keep a medication go bag on hand. It should contain the essentials, including: 

  • At least seven days’ worth of over-the-counter and prescription medications you take on a regular basis. Label the containers clearly, and include a printed-out list of everything you take and the regimen for each medication, plus a copy of your health insurance card (in case you need medical care while you’re away from your home).
  • An antihistamine for allergic reactions, such as diphenhydramine (Benadryl Allergy and generic) or loratadine (Claritin and generic).
  • Pain relievers, including acetaminophen (Tylenol and generic), aspirin, ibuprofen (Advil, Motrin IB, and generic), or naproxen (Aleve and generic).
  • Stomach and antidiarrheal remedies, including loperamide (Imodium and generic) and bismuth subsalicylate (Kaopectate, Pepto-Bismol, and generic).
  • An antacid for heartburn, such as Maalox, Mylanta, Rolaids, Tums, or generic.
  • Antiseptic wipes; an antibiotic ointment such as Neosporin, Bacitracin Plus, Curad, or generic (use only for infected wounds); and bandages, gauze, and tape, for treating burns, cuts, and wounds.
  • Mosquito repellent to prevent bites, and aloe gel, hydrocortisone cream, or calamine lotion to soothe bites and skin irritation.
  • An eyewash solution for flushing out eye irritants.
  • Water-purification tablets.
  • Scissors.
  • Thermometer.
  • Tweezers.

If you and your family have special medical needs, you can build a more sophisticated medication go bag—for example, one that contains hearing aids with extra batteries, an epinephrine auto-injector, glasses, contact lenses, or syringes.

Fill Prescriptions in Advance

For prescriptions, you and your family members take, consider asking your doctor for 60- or 90-day refills rather than a month’s worth. That way, you’re more likely to have extras on hand for your medication go bag. (This can also save you money.)

Always fill prescriptions on the first day you become eligible for a refill, rather than waiting until the day you run out. If you are able to obtain an emergency supply, establish a plan for rotating your go-bag supply so that it remains up to date. And remember to check medications periodically to ensure that they have not expired.

“During an emergency, some states allow pharmacists to dispense an emergency supply of medications without doctor authorization,” Wall says. But, he adds, “certainly if a known potential disaster, such as a hurricane, is predicted, make sure you have prescription meds and supplies before it hits.”

You might also ask your health insurance company to assist you in obtaining enough medication and supplies to have on hand.

Storing and Maintaining Your Kit

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How to Get Rid of Ants - Shield Insurance Agency Blog

How to Get Rid of Ants

By: Francisco Guzman | Updated: Aug 13, 2021 | How Stuff Works

Ants invade homes for one reason: food. Whether you left crumbs on the kitchen table or forgot to take the trash out, where there’s food, there are ants. Ants aren’t all bad. They help to clean up dead animals and naturally create topsoil as they burrow into the ground. But they can also pose a danger to you and your home.

Ant bites aren’t only annoying, they can trigger an allergic reaction in some people. A typical ant bite can cause pain and discomfort, but bites from a fire ant can lead to difficulty breathing, difficulty swallowing, nausea, and dizziness. While fire ants pack a big sting, other ants can do different types of damage.

Carpenter ants, similar to termites, can cause damage to your home’s walls, decks, doorframes, and other wooden materials. These ants create nests in wooden areas that are moist and starting to decay and cause damage by tunneling through the wood.

But if your home has become infested with ants, don’t worry. Getting rid of them is fast, easy, and cheap. Most of our suggestions below use ingredients that are safe to use around babies and pets. Here are some home remedies to quickly and successfully rid your house of ants.

How to Get Rid of Ants

  • White vinegar: Mix a solution of one part white vinegar to one part water or just use straight vinegar. Wipe your counters, tables, appliances, and jars with the solution to kill ants and prevent them from returning. Although you won’t be able to smell the scent after a while, ants will.
  • Hand soap: Spray a soapy water solution into holes and crevices that may be the entry point for ants in your home. Soap is an effective remedy for preventing ants from entering your home because it removes the scent of ant pheromones, which ants use to communicate with each other.

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When is Labor Day 2021 Why We Celebrate Summer's Last Holiday - Shield Insurance Agency Blog

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 - Shield Insurance Agency Blog

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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Surety bonds reach the tech market 5 new things to know about bonding your tech firm - Shield Insurance Agency Blog

Surety bonds reach the tech market: 5 new things to know about bonding your tech firm

Just 15 or 20 years ago, tech companies had reputations for rapid business cycles and increased risk, making surety bonds for technology-related contracts difficult to obtain. But in recent years, the playing field has changed drastically, with financial experts feeling more confident in tech investment now that technology is a foundational part of our world. Despite these market changes, many technology companies still fall into the old routine of utilizing letters of credit or posting collateral to guarantee their performance. For companies looking to move away from old methods, bonds are an attractive alternative for many reasons: they aren’t credited on the company’s bank line, are not typically listed as contingent liabilities in corporate financial statements, and usually provide a more robust defense against default.

Bottom line? The surety process is no longer out of reach for tech companies. If your company is considering a surety bond, here are five things you should know before you start the process.

1. Understand your options.

Surety in the tech sector is still an emerging market, meaning many risk managers simply don’t know what options are available. There are a variety of bonds that are relevant for the tech industry, however. For example, lease and utility payment bonds can help secure commercial space to expand your operations, while worker’s compensation, customs, and tax bonds cover dues owed to employees and government entities. Tech companies may also apply for court bonds to cover legal expenses and appeals. This concern is becoming increasingly important as big tech companies and startups alike face legal action for privacy breaches, anti-trust activity, and more. 

2. Consider a performance bond.

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