Independent Agents vs. Captive Agents

When you’re in the market for insurance, whether it’s home, auto or commercial insurance, you typically work with an agent who can help you find a policy that meets your needs. But most people don’t know that there are two different kinds of insurance agents—captive and independent agents.

So what is an independent insurance agent vs. a captive insurance agent? In short, captive insurance agents are contracted to work for one insurance company and can only sell that company’s policies. On the other hand, independent agents are contracted to work with a variety of insurance companies and can sell policies from multiple providers.

As a consumer, it’s important to understand the distinctions between captive and independent agents. Although they sound the same, some people may benefit from working with a captive agent and others with an independent agent. In this article, we’ll explain the key differences and help you decide which agent is best for you.

Captive Agents

Most of the major insurance companies, like State Farm, Allstate and Farmers, use captive agents to sell their insurance products. Their agents are only selling policies from that one insurer, so the agents are experts at knowing the different policies available, discounts and coverage add-ons for their one carrier.

Because of that, they can be helpful for people who are buying insurance for the first time or for people who aren’t sure how much coverage to purchase.

Client satisfaction is crucial for captive agents because they get a commission for every earned sale. However, their commission rate tends to be lower than for independent agents because they are also paid a salary from the insurance company and get financial assistance with costs like advertising and hiring.

Independent Agents

Independent agents partner with several insurance companies of their choosing to sell certain policies from each provider. For example, an independent agent might contract with Pioneer Insurance, Frankenmuth Insurance,and Citizens Insurance and sell any of their auto and home insurance policies.

Many consumers like working an independent insurance agent because an independent agent gives the customer more options. They aren’t locked into purchasing from a small number of plans that might be too expensive or not a great fit for their coverage needs. Those options help people shop around for plans before settling on one.

Which is better?

Generally speaking, there isn’t one better type of insurance agent. Whether you choose to work with a captive agent or an independent agent depends on you.

The main benefit of working with a captive agent is that they have extensive knowledge of their insurers products and policies, because they have one carrier. However, working with a captive agent tends to be more expensive, due to extra fees that the insurance company charges.

If you work with an independent agent, you’ll get more options, which also means a wider price range. But independent agents have in-depth knowledge about numerous carriers, where captives only need to learn one. Also, independent agents usually charge less because there isn’t one parent company to support.

If you’re concerned with keeping costs low, working with an independent agent will save you money. Keep in mind that you should already have a general idea of what you’re looking for before meeting with an agent.

Frequently asked questions

What type of insurance do independent agents and captive agents sell?

Both independent and captive agents can sell any kind of insurance they want. Some choose to sell every product that an insurer offers, while others specialize in a few areas, like home and life insurance.

Should I choose an independent agent or a captive agent?

There are a few main reasons why you would choose an independent vs. a captive agent. The first is cost—working with an independent agent will be cheaper than working with a captive agent. Secondly, independent agents can offer a wider variety of plans, so you have more choices and a wider price range to work from.

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How to Handle 10 Common Home Emergencies

You love your home. Make sure you know how to keep it — and you and your loved ones — safe and sound. Here are 10 common home emergencies and how to handle them.

1. Kitchen fire.

The most common culprit of a kitchen fire is an inattentive cook. It’s never a good idea to leave your stovetop or oven unattended when food is cooking. Prevent kitchen fires by cooking during times when you won’t need to step away from the kitchen.

If a kitchen fire happens, take these steps:

  • For a small grease fire, try smothering it with baking soda or sliding a metal lid over the pan to suffocate the fire. Turn off the stove. Never use water to put out a grease fire; it can be dangerous and make the situation worse.
  • For an oven fire, keep the oven door closed and turn off the oven.
  • If the fire continues, help everyone to evacuate the house, close the door behind you and call 911 from a safe distance from your home.

Also, remember to regularly check your smoke detectors. Put a reminder on your calendar to test all the smoke detectors in your home monthly, and promptly replace batteries when needed. Consider replacing all your smoke detectors every 10 years.

2. Water leak.

Whether it’s a slow drip or a steady stream, the best thing you can do is know where your home’s main water valve is located — typically it’s in the basement or near the front of the house — which controls the flow of water into your home and learn how to turn off your water in an emergency to prevent water damage to your home. Then you will need to call a plumber for assistance.

If your ceiling is leaking, gather buckets or plastic sheets under the leak to help prevent water damage. Then try to track down the source of the leak. If it’s likely a roofing issue, it’s best to call a professional right away to assess the situation and help with repairs.

Finally, take steps to insulate your pipes before the weather turns cold to prevent pipes from freezing and bursting.

3. Water overflow.

Anything that holds a lot of water in your house can potentially overflow into the surrounding area. Here’s how to handle a water overflow

  • When a toilet overflows, find the valve behind the toilet near the wall and turn it off to stop the flow of water. Then, quickly mop up any standing water. Finally, try to determine the cause. Look for issues with the fill tube and float as well as for clogs or other issues that could be keeping the toilet from draining. If you’re still stumped, call your plumber for assistance.
  • When your bathtub or sink overflows, first stop the flow of water — whether it’s as simple as turning off the faucet or by shutting off the main water valve to your home if the faucet is broken. Then, quickly mop up standing water to prevent further damage. If the faucet is broken, make necessary repairs before using that sink or bathtub again.

4. Flooded basement.

Whatever the cause, if your basement is flooded with water, the most important thing is that you NEVER enter a flooded basement. For your own health and safety call your utility companies first, and stay away until they have turned off the electricity and gas. Then, it’s best to hire a professional to help you clean up, mitigate the damage to your home and help prevent you and your family from becoming sick. You will need to throw out anything the flood water reached unless it can be thoroughly cleaned and disinfected.

5. Power outage.


When the power goes out, check to see if nearby homes and streetlights still have power. If their lights are still on, check your breakers. If the neighborhood is dark too, then call your power company, or visit their website, to report the power outage and ask for an estimated repair time

Stay safe by following these steps:

  • Use flashlights. Don’t light candles. Keep your flashlights in an easy-to-find location, test them monthly, and keep spare batteries in a known and accessible location. If you don’t have a flashlight, your cell phone can help provide some light to help guide you safely through your home.
  • Keep your refrigerator door closed. Food can spoil in a refrigerator after the power has been out for more than 4 hours.
  • Turn off or unplug electronics. If the lights were on or you were using any electrical equipment, like a computer, when the power went out, switch your lights off and unplug your electronics.

If you anticipate having a power outage that lasts for days, such as after a hurricane, consider investing in a generator that can help provide electricity to essential things in your home, like a refrigerator or freezer. Be sure to follow all safety instructions while using it.

6. Carbon monoxide.

Carbon monoxide is a clear, odorless gas that can cause severe illness or even death. The symptoms are often like the flu without a fever. If you think you have carbon monoxide poisoning, call 911.

The best way to prevent a carbon monoxide emergency is to:

  • Use carbon monoxide detectors and test them once a month to make sure they’re in good working order. Check the manufacturer’s instructions to learn how often to replace your carbon monoxide detectors.
  • Have gas appliances inspected at least once a year.
  • Properly vent all gas furnaces, water heaters and fireplaces.
  • Follow all safety instructions for gas-powered appliances, such as space heaters and generators.

7. Gas leak.

When a natural gas line leaks, you may smell gas (it smells a lot like rotten eggs). While natural gas lines don’t leak often, you should always take it seriously if it does. A gas leak inside your home can make you sick or even lead to an explosion.

If you notice the smell of natural gas inside your home:

  • Go outside IMMEDIATELY and call the utility company and 911.
  • Don’t try to find the leak.
  • Don’t turn on or off any electrical appliances.
  • Don’t smoke or have any open flames nearby.

8. Broken glass.

Whether it’s a cracked window or a smashed dinner plate, broken glass can be a difficult mess to clean up. Whenever possible, take actions to prevent it, such as closing shutters, blinds and curtains ahead of severe weather or handling glass objects with care. But when it happens, here’s how to clean up broken glass safely:

  • Don’t handle glass with your bare hands. Put on thick or rubber gloves if you have them or use a tool like a piece of cardboard or stiff paper to help you scoop up the large pieces of glass.
  • Next, use large tape, like duct tape, to help you pick up smaller pieces of glass. Because broken glass can travel farther than you might expect, be sure to use your large tape on the surrounding area, too.
  • Finally, mop or wipe up the entire area with wet wipes or doubled-up paper towels. If the glass is in your carpet, thoroughly vacuum the area using a hose attachment and move it in different angles and directions to get as much glass out of the carpet fibers as possible.
  • If the window is broken, you can seal it temporarily by taking a trash bag and cutting it with scissors to fit the window. Tape several layers of this plastic bag to the window’s frame with duct tape. Then immediately schedule a window repair or replacement.

9. HVAC goes out.

When your air conditioning or heating decides to quit, your first call should be to a technician who can inspect it, and if needed, repair or replace it as soon as possible.

If your A/C goes out during warm weather, take steps to keep your body temperature stable to prevent heat stroke and stay comfortable. Here are some things you can do:

  • Drink ice water often and avoid drinking alcohol. Alcohol can raise your body temperature.
  • Eat foods that are easy to digest, like fruits and vegetables.
  • Take a washcloth and rinse it under cold water, then put it on your neck, wrists or behind your knees to help keep your body cool.
  • Consider living in the lower level of your home since heat rises. For example, it may be more comfortable to sleep downstairs instead of an upstairs bedroom.

If your furnace stops working during cold weather, stay warm and safe with these tips:

  • Add layers to your clothing.
  • Don’t use your oven for heating.
  • Find a small area inside your home that you can heat with a fireplace or electric space heater. However, someone should stay awake while either of these are used to make sure there aren’t any issues. Be sure that your fireplace has proper ventilation to prevent carbon monoxide poisoning.
  • Hang curtains, quilts or bedspreads over doors and windows.

10. Ant or rodent infestation.

If you have unwelcome house guests that have more than two legs, it’s time to assess the situation so you can send them packing.

  • After you’ve spotted a mouse, walk the perimeter of your home — both on the inside and outside — and look for any signs of mouse activity (for example, mouse droppings, chewing or nests) and look for any small hole or crevice where the mouse could be entering your home. Cover any entry points with sealant or wire mesh. Then, set a series of mouse traps. If you continue to have issues, call a professional right away.
  • When you’ve found a trail of ants, remove them and thoroughly clean anywhere you think they’ve been with a vinegar spray to help remove their ant trail scents. Look for tiny gaps or cracks near windows, doors and floorboards, where the ants may be entering your home. Set up ant traps and consider calling a professional who can determine if there’s an ant nest near your home. If you have large black carpenter ants, call a professional immediately since these ants can cause more damage to your home.

References:
– WebMD
– Familyhandyman.com

Contact your Shield Insurance Agency for complete details on your home insurance coverage and discounts.

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National Bike To Work Month

National Bike To Work Month

May is National Bike To Work Month, promoted by the League of American Bicyclists and celebrated in communities from coast to coast. Established in 1956, National Bike Month is a chance to showcase the many benefits of bicycling — and encourage more folks to give biking a try.

Bike to Work Week 2020 will take place September 21-27, 2020. Bike to Work Day is Tuesday, September 22!

This National Bike To Work Month will necessarily be different. With a focus on well-being and connection, we’re highlighting how #BikesUnite and benefits physical and mental health. Whether you’re riding for fun, fitness or with family, or taking essential trips to work or shop, you are part of our movement for safer streets, connected communities, a healthier planet, and happier people.
 
As a national sponsor, the League provides resources to help you plan an event in your area, and each year the number and diversity of National Bike To Work Month celebrations continue to grow, accelerating the momentum around bicycling nationwide.

PROMOTIONAL MATERIALS FOR NATIONAL BIKE MONTH

In other years, National Bike Month is a success because of the countless, diverse local events organized by dedicated bicyclists in their communities, organizations, and workplaces. In 2020, we encourage you to promote biking and connect with others in the movement virtually. Step one: go for a solo bike ride, step two: share your experience on social media with #BikesUnite. 

JOIN US IN SHOWING HOW #BIKESUNITE US EVEN WHILE WE’RE APART »

For additional assistance or questions, please contact communications@bikeleague.org.

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Financial Resources For COVID-19

Financial Resources And Relief For Those Affected By COVID-19

Here’s where to go for financial resources if you’ve lost income due to the coronavirus pandemic.

By Casey Bond 04/24/2020 05:26 pm EDT | Updated April 27, 2020 | Huffpost.com

The coronavirus pandemic has challenged us all in ways never imagined. Not only does constant danger lurk of contracting COVID-19, but our daily routines have been turned upside down. It certainly doesn’t help that the virus has also placed enormous financial pressure on workers and businesses owners.

If your income has been affected by the crisis, it can be overwhelming to figure out which bills to pay and where to go for help. The good news is that many financial resources are available if you know where to look.

Benefits.gov is a great place to start, according to Leslie Tayne, a debt resolution lawyer and author of the book “Life & Debt: A Fresh Approach to Achieving Financial Wellness.” “The website helps navigate you to state and federal level benefits, including unemployment insurance, job placement and training, and more,” she said.

Click here for the rest of the story…


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Teacher Appreciation Time

How to Still Make Teacher Appreciation Special, Virtually

This May, Teacher Appreciation Week is definitely going to look a little different. There won’t be any snack carts or staff luncheons, but with a little creativity, you can still make those hard-working teachers feel special. Welcome to virtual teacher appreciation:

Yard signs

We love the idea of posting signs in the yards of your staff. A lot of people are doing them for graduates, so why not teachers? Try something like, “A rock star teacher lives here!” or “I’m kind of a big deal at [SCHOOL NAME].” This is also a great way to support local businesses.

Online games

During Teacher Appreciation Week, we try to up the fun factor with trivia and games. You still can—you just have to take it online. Class Team Building is offering a weeklong game show for $45. It includes daily challenges like this: “Get anyone in this school to respond ‘LOL’ to one of your texts, but you can’t tell them beforehand that is the response you are looking for.”

Gift cards

There are plenty of gift cards you can send via email, including teacher favorites like Target and Starbucks (they currently have three fun teacher designs). This is also a good time to support local restaurants that are hurting and grab gift cards to your staff’s favorite places for takeout.  

Quarantine survival kits

How about baskets you drop off at doorsteps filled with all kinds of isolation goodies? We’re thinking a fabric mask, hand sanitizer (if you can get it), snacks, and drinks. Add an inspirational book, adult coloring book and markers, or a puzzle. You could even throw a roll of TP in there for a laugh!

Personalized items

If you’re looking for a more traditional with a little creativity, you can still make those hard-working teachers feel special, try personalized notepads like this one from Shutterly. You can include a handwritten thank-you note on the first page. We also like the idea of custom t-shirts and cloth screen cleaners. Consider setting up an online “store” and letting teachers choose their gifts.

Drive-thru or delivery meal

Many schools have set up drive-thrus to keep kids fed during school closures. A similar set-up would work to distribute a meal (or even just warm cookies!) for your teachers. Or you could deliver right to their doors. Either way, consider using a local establishment to cater your event and show teacher appreciation.

Virtual raffle

Looking to go big? If you want to go in for some bigger prizes (think: a $100 grocery store gift card or a personal laminator), you can use an app like Random Picker to draw your winners. Then do the announcement over a video-conferencing app like Zoom.

Teacher’s lounge makeover

If it’s in the budget (or you want to pool what you would have spent on teachers individually), you can plan something really great for when teachers return to school: an upgraded teacher’s lounge. You might consider new furniture or decor, invest in an espresso machine, or stock the pantry and shelves with snacks and personal items.

Involve students and parents

Heartfelt messages are probably the most important part of teacher appreciation. Google Docs and Padlet are nice ways to work collaboratively on a project with kids and parents, or just solicit ideas that you can then turn into your own presentation. 

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How to Stay Creative During Lock-Down

How to stay creative and keep your family sane during lock-down – from one of the world’s best teachers

  • The UN estimates that 1.25 billion children are currently at home as a result of the coronavirus lockdown.
  • British art and textiles teacher Andria Zafirakou won the 2018 Global Teacher Prize and has two teenage daughters.
  • Here she gives some practical tips – from giving your children time to transition to homeschooling, to creative ideas – for navigating staying at home together.
  • This article is part of a series from the World Economic Forum’s Cultural Leaders on building resilience in the pandemic.

In millions of homes across the globe this very minute, parents are juggling like never before as they struggle to stay creative and teach their children while earning a living during the coronavirus lockdown.

As of 20 March, the UN estimates that school’s out for 1.25 billion children and young people, as 124 countries have closed pre-primary to higher-education institutions – impacting almost three-quarters of all enrolled learners.

With their normal weekday routines gone, many of those children will be finding it hard to suddenly have mum and dad as teachers – and many parents will be trying to control the urge not to scream at them.

If that sounds like you, take some comfort in the knowledge that even one of the world’s best teachers admits her own kids aren’t keen on being “taught” by her.

Andria Zafirakou, Teacher, Arts and Textile, Alperton Community School, United Kingdom, speaking during the Session

Andria Zafirakou was awarded the Global Teacher Prize in 2018 and is a World Economic Forum Cultural Leader.

“Even teachers will say their hardest students are their own children,” says British teacher Andria Zafirakou, the 2018 winner of the Global Teacher Prize and a World Economic Forum cultural leader.

“It’s quite tough teaching your own kids because they won’t listen to you, and you have no tolerance or patience. So rest assured, we’re with you!”

The coronavirus is keeping millions of children out of school.

Before schools closed in the UK on 20 March, Zakirafou was teaching art and textiles in person to her students at Alperton Community School in northwest London, where she’s also the Associate Deputy Headteacher. In addition, she runs Artists in Residence, which brings artists into schools to inspire children and young people to seek a career in creative and cultural industries.

Now she’s at home with her husband and setting work for her two teenage daughters – as well as setting remote work for her students, who range from ages 11 to 18 and come from diverse, often poor, backgrounds.

Here are her tips on how to stay creative and keep your family sane when you’re all at home together.

We’re all having to stay creative

I’m finding it really tough not going into school because your classroom is your learning environment and your work environment. It’s hard not having that human contact with the children and picking up on things. And I can’t just go to the stock cupboard, so I have to think about what the students have at home, what access to materials they have and try to create lessons based on that.

I know that not every household has got access to paints, so I’ve been doing collage and lots of drawing activities. I’m really mindful that I want them to be creative and doing things away from the screen. I want them out in the garden, if they have one, to draw what’s there. So it’s about how I can get them to remain creative in their own environments.

Asking questions:

Asking Questions: Creativity is all about questioning: How can I? Why should it? What would happen if? How can I make this, or how can I change this? It’s about making sure that children are always being asked those questions.

Keeping everything: Do not chuck anything away. Keep a bag with all the egg boxes and toilet rolls in a corner, because that’s going to be a mine of incredible craft-making materials.

Setting challenges: What kind of musical instruments can you make today from what’s in the bags over there?

Giving them time: The beauty is that the parents are in control of the time, for once. So you can give your child two hours to get on with a wonderful creative task, and they wouldn’t have that in school.

Finding online resources: Use sharing resources like Twinkl, BBC Bitesize. And then there are the entrepreneurs, like Joe Wicks doing kids’ exercise classes. There are also artists and designers sharing resources.

Being creative with space: Think about the space in your house. What can you change, what room could be theirs? What space is not utilized? What can you get rid of to make them a work area or for their equipment? That’s a very easy thing to fix.

Thinking outside the paintbox: Creativity is not just about arts and crafts, it’s also about the kitchen. What kind of lunch can they make for you while you’re working?

Get creative together

Art can be so powerful because it makes you escape for a little bit, it puts you in that mindfulness zone, and time passes so quickly. You can actually reflect and say, ‘I did that and it looks good. As adults, if we are doing this ourselves, then we are showing good habits to our children.

So take time out of your busy, strange lives at the moment, by doing something like cooking, crochet, or coloring in with your children. That’s a fantastic thing to be doing together, and it will go such a long way.

Don’t worry about your children falling behind

We’ve really got to be kind to each other: we are in a huge transition and it’s extraordinarily difficult. I can sense the anxiety parents might have about children falling behind, but just make sure they do a little bit, often, so that they are still engaged in the daily routine of learning. And be kind to yourself: even if your child does not complete a worksheet, and you’ve had a really bad day with them, that’s OK. It’s not the end of the world.

The one really positive thing that will come out of this is, I’m hoping our young people can be more independent in choosing when and what to learn. If we create children that love learning, they will automatically be researching and trying to find new things to occupy their time with and to be inspired by.

Prepare younger ones for going back

The young people that we really need to work with are 7- to 14-year-olds. We’ve got to be quite careful to keep them inspired and interested – and prepare them for returning to school. A friend of mine has a child with ADHD. She’s worried her child may not want to go back to school, because being at home is quite comforting.

So when we eventually open up the schools, every school has got to be very careful in how they prepare children to come back. They’ll need to think about how every child has been affected by this.

Teach them life skills, too

The most important thing I’ve learned, which surprised me, is that now is a really good time to teach children things you want to be done. Not all lessons need to be academic – they can be life lessons we want our children to learn as well. Even how they should fold their clothes, mop-up, or vacuum. Stay creative Take an hour out and show them how you want them to do it. Usually, life is very fast, and we have no time for this type of teaching. But they are invaluable skills.

Carve out family time

In the evening, we have family time. So from 7.30 p.m. onwards, everyone’s devices go away, and we have a very fiery game of UNO or watch something appropriate on Netflix. Every household with children can now guarantee there’s going to be family time.

Let them chat to friends

It’s really important for the children to communicate with their friends. Parents can set up Zoom talks with their children’s friends. Not every day, but during the week, there should be some way they’re connected with somebody else that’s not you and not another adult.

Try and limit screen time

Lots of parents have contacted us to say they’re worried about children sitting in front of the computer for five hours a day. As a parent, I have printed out lots of worksheets, because young children like to work in their school books. So put parameters in place and try to manage how often they use their online learning resources.

This is where Alexa and all those gizmos are brilliant. Put a timer on for 15 minutes and then say, ‘You are doing those questions in 15 minutes. Help them with time management. And let’s get them reading books, drawing on toilet rolls, cooking, in the garden building things (if possible) – because they can’t be the generation that’s in front of screens learning, otherwise it will have a huge effect on them.

Share the responsibility

We need to jointly plan and give them that sense of responsibility. It’s quite powerful for them to take control of what they’d like to do. And if that’s being in their room drawing, then give them that time, make them exhausted from doing that, because they will get bored very soon. And when they want to do other things, that’s where, as a parent, you’ve already got all these resources and ideas ready to go.

Try not to lose it

There are going to be interesting, diverse scenarios taking place in homes at the moment. Don’t get frazzled, because teachers don’t lose it – they are quite calm. And just remember that your children are transitioning as well. We need to use lots of negotiation and give and take. Every parent is concerned because we’re taking up a new role here, which we’ve never had to do before. But it’s not going to be permanent. Stay creative there’s no quick fix, and you’re not a failure, because this is brand new to us all. The positive thing is, we’re going to get to know our children more.


Covid-19 Anxiety Reduction Strategies

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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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Famous Museums Offer Tours From Your Couch

Famous Museums offer so much! Going into a self-quarantine can have many complex issues and complications beyond having enough food and supplies for two weeks. In terms of entertainment, it also probably means you’re in for a lot of boredom, a lot of Netflix, and a lot of browsing the internet.

But there is a way to get a little culture and education while you’re confined to your home. According to Fast CompanyGoogle Arts & Culture teamed up with over 2500 museums and galleries around the world to bring anyone and everyone virtual tours and online exhibits of some of the most famous museums around the world.

Now, you get “go to a Famous Museum” and never have to leave your couch.

Google Arts & Culture’s collection includes the British Museum in London, the Van Gogh Museum in Amsterdam, the Guggenheim in New York City, and literally hundreds of more places where you can gain knowledge about art, history, and science. This collection is especially good for students who are looking for ways to stay on top of their studies while schools are closed.

Take a look at just some of Google’s top museums that are offering online tours and exhibits. Museums around the world are also sharing their most zen art on social media to help people cope with staying home. And if that’s not enough culture for you, New York’s Metropolitan Opera will be offering free digital shows every night at 7:30 p.m. Now you can even go “outside” with incredible virtual tours of some of America’s best national parks.

British Museum, London

This famous museum located in the heart of London allows virtual visitors to tour the Great Court and discover the ancient Rosetta Stone and Egyptian mummies. You can also find hundreds of artifacts on the museum’s virtual tour.

Guggenheim Museum, New York

Google’s Street View feature lets visitors tour the Guggenheim’s famous spiral staircase without ever leaving home. From there, you can discover incredible works of art from the Impressionist, Post-Impressionist, Modern, and Contemporary eras.

National Gallery of Art, Washington, D.C.

This famous American art museum features two online exhibits through Google. The first is an exhibit of American fashion from 1740 to 1895, including many renderings of clothes from the colonial and Revolutionary eras. The second is a collection of works from Dutch Baroque painter Johannes Vermeer.

Musée d’Orsay, Paris

You can virtually walk through this popular gallery that houses dozens of famous works from French artists who worked and lived between 1848 and 1914. Get a peek at artworks from Monet, Cézanne, and Gauguin, among others.

National Museum of Modern and Contemporary Art, Seoul

One of Korea’s famous museums can be accessed from anywhere around the world. Google’s virtual tour takes you through six floors of Contemporary art from Korea and all over the globe.

Pergamon Museum, Berlin

As one of Germany’s largest museums, Pergamon has a lot to offer – even if you can’t physically be there. This historical museum is home to plenty of ancient artifacts including the Ishtar Gate of Babylon and, of course, the Pergamon Altar.

Rijksmuseum, Amsterdam

Explore the masterworks from the Dutch Golden Age, including works from Vermeer and Rembrandt. Google offers a Street View tour of this iconic museum, so you can feel as if you’re actually wandering its halls.

Van Gogh Museum, Amsterdam

Anyone who is a fan of this tragic, ingenious painter can see his works up close (or, almost up close) by virtually visiting this famous museum – the largest collection of artworks by Vincent van Gogh, including over 200 paintings, 500 drawings, and over 750 personal letters.

The J. Paul Getty Museum, Los Angeles

European artworks from as far back as the 8th Century can be found in this California art museum. Take a Street View tour to discover a huge collection of paintings, drawings, sculptures, manuscripts, and photographs.

Uffizi Gallery, Florence

This less well-known gallery houses the art collection of one of Florence, Italy’s most famous families, the de’Medicis. The building was designed by Giorgio Vasari in 1560 specifically for Cosimo I de’Medici, but anyone can wander its halls from anywhere in the world.

MASP, São Paulo

The Museu de Arte de São Paulo is a non-profit and Brazil’s first modern museum. Artworks placed on clear perspex frames make it seem like the artwork is hovering in midair. Take a virtual tour to experience the wondrous display for yourself.

National Museum of Anthropology, Mexico City

Built in 1964, this museum is dedicated to the archaeology and history of Mexico’s pre-Hispanic heritage. There are 23 exhibit rooms filled with ancient artifacts, including some from the Mayan civilization.

Sadly, not all popular art museums and galleries could be included in Google Arts & Culture’s collection, but some museums are taking it upon themselves to offer online visits. According to Fast Company, the Louvre also offers virtual tours on its website.

To see more of Google Arts & Culture’s collection of museums, visit the collection’s website. There are thousands of museum Street Views on Google as well. Google Arts & Culture also has an online experience for exploring famous historic and cultural heritage sites.

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Lost Your Job Because of COVID-19?

If you’ve been laid off during the COVID-19 pandemic and lost your job, you’re not alone. Millions of Americans are losing their jobs as businesses across the country shut their doors or cut back on operations at an unprecedented rate

If you’ve lost your job or been furloughed, start with these seven steps to regroup and, eventually, rebound.

Ask the right questions

The first step is communicating with your employer. There are different types of layoffs. Some may not even be legal, or they may be addressed in your employment contract or collective agreement. Figure out if your employer is willing to commit to your return to work. Knowing the timeline can be very helpful for planning your finances and how you approach the time off.

Find the right support

There are multiple programs today to support workers, but be sure to register for unemployment benefits as quickly as possible, as the influx of applicants is causing a backlog. Also, watch for information on further Congressional emergency-response bills, which could entitle you to add funds because you’ve lost your job.

Be professional

In almost all cases, employers are trying to do their best during a difficult situation. How you act will speak volumes about your character, and as tempting as it may be, now really isn’t the time to post negative things on social media. Businesses will rebound; think about how your actions will be remembered having lost your job.

Take care of your mental health

Being laid off can be an overwhelming and stressful experience of loss and change. Make sure you are focusing on your relationships, getting fresh air and exercise, taking time for yourself and know-how, and getting up to speed on where to reach out for help if you need it.

Write a budget

As overwhelming as it may be, work on a financial plan. Take advantage of the time you have to find other ways to save, like calling your bank, mortgage broker, and utility providers to ask to defer payments. Or look for auto subscriptions on your phone or credit cards to cancel. These small amounts can add up and can be empowering, giving you a feeling of control during a very challenging time. Understanding your financial reality may encourage you to decide to seek employment in the few industries that are currently hiring.

Stay connected with your employer and coworkers

If your layoff is temporary, I encourage people to stay connected with their team and proactively check in. Empathy and will be remembered when COVID-19 has long passed.

Put long-term goals on hold

Now is not the time to worry about the long term. Focus on what can be done in this moment to get through the next few months. Everything will get back on track, but consider planning in 30-to-90-day increments. It’s much less overwhelming and gives you lots of flexibility to embrace opportunities that come your way.

Good luck, and don’t lose hope!

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70 Things to Do with Kids

70 Things to Do with Kids Now That We’re All Stuck at Home

The thought of an unexpected, weeks-long isolation period at home with bored children will send chills down the spine of many parents. In fact, as soon as the schools started closing, kids panicked. “What are we going to do all day if we can’t leave the house?” was a common question.

If you are looking for 70 things to do with kids while you’re stuck at home, here are some ideas. Do you have an idea that isn’t on this list? Let us know and we’ll add it! We will all need all the ideas we can get in these next several weeks.

  1. Play indoor hide and seek.
  2. Make decorations, curate a playlist, and throw a family dance party.
  3. Try a new cookie or cake recipe. Bonus idea: Set up a camera or smart phone and film a cooking show!
  4. Build a treehouse.
  5. Make a mancala counting game with an egg carton. Instructions here.
  6. Go camping in the living room.
  7. Play board games.
  8. Design and go on an indoor treasure hunt.
  9. Plan a family garden.
  10. Make ice cream in a bag. Recipe here.
  11. Make slime. Instructions here.
  12. Set up an in-home nail salon and try some nail art techniques. Ideas here.
  13. Dress up in your best clothes and have a fancy dinner.
  14. Make a piñata. Instructions here.
  15. Make friendship bracelets.
  16. Make and blow bubbles. Instructions here.
  17. Teach your pet a new trick.
  18. Make rock candy. Instructions here.
  19. Have an indoor picnic.
  20. Listen to an audiobook or podcast.
  21. Try Cosmic Kids Yoga.
  22. Make paper fidget spinners. Instructions here.
  23. Create your own bingo cards and have a bingo tournament.
  24. Create a family tree.
  25. Let your kids write and direct a stop-motion movie. Learn how it works here.
  26. Learn and play a new card game.
  27. Teach yourself to juggle.
  28. Practice origami, or the art of paper folding. Ideas here.
  29. Play with magnets on a cookie sheet.
  30. Make a maze on the floor with painter’s tape.
  31. Play with sidewalk chalk.
  32. Play indoor volleyball or soccer with balloons.
  33. Have a pizza party. DIY Pizza Bagels recipe here.
  34. Make paper airplanes and see whose plane flies the farthest.
  35. Play dress up with mom and dad’s clothes.
  36. Make your own popsicles.
  37. Go in your backyard and look for four-leaf clovers.
  38. Write a secret message in invisible ink. Recipe for lemon juice invisible ink here.
  39. Play “I Spy” inside or out the window.
  40. Clean out your closets.
  41. Facetime or Skype with family or friends.
  42. Have breakfast in bed.
  43. Have a tea party.
  44. Make a water sensory bag. Instructions here.
  45. Make some play dough.
  46. Create a nature scavenger hunt in your back yard.
  47. Play “The Floor is Lava.”
  48. Snuggle on the couch and read your favorite books.
  49. Rearrange or redecorate your room.
  50. Play in a bubble bath.
  51. Have a pillow fight.
  52. Make an indoor obstacle course.
  53. Have a family music night.
  54. Build a giant fort out of blankets, chairs and pillows
  55. Paint with Kool-Aid. Instructions here.
  56. Put on a puppet show.
  57. Make a scrapbook.
  58. Play marbles on the floor.
  59. Do a puzzle.
  60. Fold clothes together.
  61. Create a new dessert.
  62. Put on your bathrobes and play spa day.
  63. Play 20 Questions.
  64. Create creatures out of pipe cleaners. Ideas here.
  65. Make a treasure bottle. Instructions here.
  66. Decorate a T-shirt.
  67. Write letters to family and friends.
  68. Build a bridge or building with toothpicks or Q-tips.
  69. Play hangman or tic-tac-toe.
  70. Make a time capsule! One day your kids can use it to tell their kids all about this craziness.

Shield Agency hopes you can put these 70 things to good use!

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