Just How Much Do You Value Your Stuff?

Let’s face it : Americans love their stuff. From childhood baseball card collections to that new flat-screen television, people can develop an emotional attachment to items of all sorts. While certain objects have high monetary value, many belongings could be thought of as priceless because they connect people to their families.

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When Allstate asked more than 1,000 adults across the country to rank the importance of their personal items, some of the findings were expected: Homes won the top spot and respondents value spending more time in their living rooms.

But there were some remarkable revelations as well. Here are the six most surprising findings from Allstate’s “It’s Not Just Stuff” survey.

1. Millennials Clean Their Homes the Most Often

The majority of Americans say their house is “important” to them — and they take good care of it. More than 80 percent of adults clean their home at least weekly. When it comes to family households, a high percentage of both moms and dads (86 percent each) share the weekly responsibility of cleaning their homes.

Which generation cleans their homes most often? Eighty-nine percent of millennials who responded to the survey said they clean their homes weekly or more often, compared to 72 percent of baby boomers.

2. Heirloom Engagement Rings Are Uncommon

Two-thirds of Americans have at least one piece of jewelry that was passed down from a prior generation, but grandma’s wedding ring is most likely not one of them. Only 14 percent of Americans wear or expect to wear an engagement ring that is passed down.

3. Men Spend More on Clothes per Month Than Women

About half of Americans spend less than $50 per month on clothing. What might surprise some is that women tend to be more frugal than men when it comes to their wardrobes, the survey found. Only 38 percent of men spend less than $50 per month on new attire, compared to 55 percent of women.

4. Older Americans Spend More Time in Front of the TV Than Millennials

Nearly 80 percent of Americans age 52 and older spend 11 hours or more per week in front of the television, while less than half of millennials say the same. This could be because millennials spend more time using devices such as laptops, tablets and smartphones than watching live TV, according to a 2016 Nielsen report.

5. Americans Admit to Spending Too Much Time on Their Mobile Devices

U.S. adults are aware that they spend a lot of time on their smartphones and tablets — more than one-third of respondents said so. This percentage jumps to a majority (57 percent) when it comes to millennials. According to the “It’s Not Just Stuff” survey, Americans value their smartphones so much that more than one-third purchase the newest version of their chosen smartphone within the first month of its release. And 42 percent of American adults think it’s appropriate to get a child a smartphone in middle school.

6. Many People Give Their Vehicles a Name

Americans feel quite a bit of affection for their cars and trucks: More than one-third of total survey respondents (and half of millennials) have given their vehicles a name.

What statistics surprised you the most? Share in the comments below.

 

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What Are Americans’ Most Prized Possessions?

From the boxes in the attic to the car in the garage, our homes are filled with memories. But not all belongings carry the same weight. Which possessions are treasured and which are discarded? Allstate recently conducted a survey to discover what Americans value most.

More than 1,000 adults from across the country shared what possessions matter most to them and why. These are some of the top discoveries from Allstate’s “It’s Not Just Stuff” survey.

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Many People Live in Their Dream Home

Americans value their homes above all else, with nearly two-thirds of respondents labeling their home “very important,” and 55 percent of homeowners said they are currently living in their dream home.

Not surprisingly, renters don’t share quite the same attachment to their living space. Less than half report their home as being “very important” to them, and 84 percent said they are not living in their dream home.

Sharing Family History Has Gone Digital

A majority of Americans said personal keepsakes and family history items are “very important” to them, and nearly two-thirds (64 percent) of adults hope to pass down their family photos, videos and other items to their children.

How are Americans sharing these photos? Nearly 70 percent of people share images through social media or by flipping through them on a computer or phone. However, almost 30 percent of adults still print out hard copies of individual photos.

Americans Love Their Screens

After their homes and family mementos, the most important possessions to Americans are personal technology. Within that category, more than half of respondents chose their computers as their most important piece of technology, and just under one-third put their mobile phones at the top of the list. Each week, 187 million American adults use a smartphone to access the internet, and 83 million use a tablet, according to a 2016 Nielsen report.

Handheld devices still can’t fully replace good old-fashioned television, however. Each week, 214 million American adults watch TV, whether viewed live or delayed with a DVR, Nielsen reports. In fact, two-thirds of adults say their TV is the “most important” home entertainment technology they own, according to the “It’s Not Just Stuff” survey.

Car Culture Continues

America’s love affair with the automobile is still going strong: The average American household has 2.1 vehicles, according to the University of Michigan Transportation Research Institute. Almost half of adults in the U.S. believe their car is “very important,” according to the “It’s Not Just Stuff” survey — so much so that one-third of respondents have even given their vehicle a name.

Fashion Forward

The average American spends over $1,000 on clothing annually, according to the American Apparel & Footwear Association. That includes purchasing 64 garments and more than seven pairs of shoes a year. But they’re not too attached to most of those purchases: Only 61 percent of respondents to the “It’s Not Just Stuff” survey ranked their clothing as “important” possessions, and only 54 percent called their jewelry “important.”

There are still some pieces of clothing American men and women can’t seem to toss out, though. For instance, more than one-third of women can’t let go of an outfit they hope to fit into again. Nearly a third of men won’t part with their old leather jacket. And about a quarter of respondents still hang on to their wedding dress or tuxedo.

Whether it’s homes and cars, treasured family photos or heirloom jewelry, our belongings can remind us of our past and inspire us about our future. The survey name says it all: To Americans, their possessions aren’t just “stuff.”

Want more? Find out some of Allstate’s It’s Not Just Stuff survey’s most surprising findings.

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8 Helpful Fire Safety Tips for College Students

Starting college can be an exciting time. From picking out fun accessories for your room to meeting your new roommate, there are a lot of things you’ll experience in those first few weeks. Whether you’re living on-campus or off, you may want to brush up on these simple fire safety tips for your new home away from home so you can stay focused and enjoy the school year ahead.

1. Ask Questions Before Move-in Day

Securing a spot in a great dorm or off-campus apartment might be at the top of your list, but don’t forget to ask the right questions before moving in. The National Fire Protection Association (NFPA) offers some tips that you and your parents should consider when looking at a dorm or rental, including verifying there is a working sprinkler system and smoke detectors outside sleeping areas. It’s important to be prepared, since between 2010 and 2014, U.S. fire departments responded to an average of 3,970 structure fires per year in residence halls, fraternities and sororities, says the NFPA.

Do you know what to look for in a dorm or apartment? There’s more to it than location, location, location. Here are a few fire safety questions from Campus Firewatch to ask your resident assistant or property management staff about your new place:

• “Are there smoke alarms in every bedroom, on every level of the building?”
• “If the bedroom is on a second or third floor, do you have an escape ladder?”
• “What about the electrical service? Are there enough outlets to handle today’s electrical needs?”

Do some homework and take a look at the Department of Education’s Campus Safety and Security website for details on fires on your school’s campus. Don’t forget to ask about the carbon monoxide detectors, too. In a home, “CO alarms should be installed in a central location outside each sleeping area and on every level of the home and in other locations where required by applicable laws, codes or standards,” says the NFPA.

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2. Decorate Your Room With Safety in Mind

Decorating your new dorm room is fun, but are you furnishing with fire safety in mind? There are some things you might need to know before decking out your room:

• Halogen lamps: In a survey of more than 50 colleges, MONEY found that many prohibit halogen lamps, calling them a potential fire hazard.
• Ceiling decorations: Items should not hang from or cover your room’s fire sprinklers, as the decorations may hinder them from working, says the U.S. Fire Administration (USFA). Remember to consult your school’s residence life department for additional guidelines regarding decoration policies.
• Extension cords: You may need to rethink using extension cords. According to the NFPA, you should avoid running extension cords across doorways or under carpets. Extension cords should only be used in temporary situations and not for long-term use, says the NFPA.
• Furniture arrangement: Decorating can also extend to how you’ve set up the furniture in your room, which may pose a potential hazard. Do not have items that block your access to a door or window, says the NFPA.
• Smoke alarms: Does the blinking light from your smoke alarm near your bed bother you? Removing the batteries or disabling the alarm are not safe options, according to the NFPA. Instead, you may want to consider repositioning your bed so the light isn’t so bothersome.

3. Don’t Overload Outlets

If you’ll be bringing a laptop and smartphone with you to school, you’ll need somewhere to charge them. And don’t forget the TV and gaming system that you’ll need to plug in, too. You’ll need to consider how you’ll power your electronic devices in your room, because, according to the USFA, overloading electrical outlets can be a fire hazard.

According to the NFPA, you should only plug in one heat-producing appliance into a wall outlet at a time. You should also unplug small appliances after use, including your iron and coffeemaker (if it’s allowed). Don’t forget to take a look at your electric cords and replace any that are damaged or loose, says the NFPA.

Make sure to also use a surge protector, too, especially if you have a computer in your dorm room, suggests the NFPA. You don’t want a surge to fry your computer! Be sure to check with your college to see which type of surge protector is recommended and allowed. For example, Augustana College recommends bringing UL-approved power strips with surge protectors to campus.

4. Leave Prohibited Items at Home

You know not to light a candle or burn incense in your dorm, but there are plenty of other fire hazards that may not be so obvious. For example, some colleges and universities prohibit the coffee pot from dorm rooms, as well as microwaves and other small appliances. U.S. News and World Report points out that those items may be considered fire hazards. Consult your school’s residence life policies or the terms of your lease regarding prohibited items, and leave items that aren’t allowed at mom and dad’s house. If you do want to add ambiance to your dorm room, you may want to consider flameless candles, says the NFPA.

5. Get Out When You Hear the Fire Alarm

While you might think you left fire drills behind in high school, taking part in your dorm’s or house’s fire drills may help you stay safe. You need to evacuate the building immediately when the alarm sounds, says the USFA. Remaining in your room instead of exiting the building when the alarm goes off is not only unsafe, you might also face some consequences. For example, students at Drew University who do not leave their residence hall when a fire alarm goes off may face fines and other punishments. Whenever possible, find at least two ways to exit every room, the USFA suggests.

6. Be Alert When Cooking

Cooking equipment accounted for 86 percent of structure fires in dorms, fraternities and sororities between 2010 and 2014, and of those, about 44 percent involved ranges or cooktops, according to the NFPA. There’s more to cooking than simply following a recipe. Here are some tips to help ensure you’re safe while cooking:

• Stay in the kitchen: Make sure to be alert and remain in the kitchen while your food is simmering, baking, or roasting, says the NFPA. Do you need to grab something from your room? Turn off the stove if you need to leave, even if it’s for a short period of time, says Ready.gov.
• Watch a demonstration: A resident assistant should give a demonstration on how to use the cooking appliances in a residence hall as well as information regarding how to clean them, according to CampusSafetyMagazine.com.
  
• Have a lid nearby: Keeping a lid close while you’re making a meal can help with smothering a small grease fire, says the NFPA. Simply, slide the lid over the pan and remember to turn off the cooktop and wait for the covered pan to cool, suggests the NFPA.
• Keep flammable items away: Don’t forget to move anything that may catch fire (like your oven mitts) away from your cooktop, says the NFPA.
• Turn pot handles: Feel like making some soup or pasta on the cooktop? Remember to turn your pot handles toward the back of the stove so they can’t be bumped or pulled over, suggests the USFA.

7. Microwave Meals Like a Pro

Before you cook some macaroni and cheese or ramen noodles in the microwave, make sure you have microwave-safe cookware.  According to the Department of Agriculture’s Food Safety and Inspection Service, heatproof glass is a microwave-safe container, while metal pans, foam containers and aluminum foil are among those materials that are not. Also, the National Institutes of Health says to stay near your microwave, especially when microwaving popcorn, as heat can build up in the bag and may cause a fire. If there’s a fire in the microwave, the NFPA says you should “leave the door closed, turn the oven off and unplug it from the wall.” If the fire doesn’t go out, then you need to get out and call the fire department, says the NFPA.

8. Speak Up if You See a Fire Hazard

Does your dorm’s floor have an expired fire extinguisher, or is the smoke detector in your off-campus apartment chirping? Be proactive by alerting the appropriate personnel if you are aware of any fire hazards. For example, students at Montana State University Billings can report fire hazards to university police. If you live off-campus, contact your property management staff or landlord about any fire hazards you may see. Don’t forget to purchase a fire extinguisher for your off-campus rental, either. If you need help finding the right type, the NFPA recommends selecting a multi-purpose extinguisher. Take some time to learn how to use the fire extinguisher, too.

How do you report a fire on campus, anyway? According to Campus Fire Safety, you need to get out of the building before calling the fire department.

Bonus Tip: Safely Tailgate

If you’re planning to do some cooking for you and your friends before the next football game, then look at these reminders on how to stay safe while tailgating. Firing up the grill for some hot dogs and hamburgers? Never leave the grill unattended, and let the coals cool completely before placing them in a metal container, says the NFPA. In addition, follow the stadium’s specific rules regarding tailgating, as there may be restrictions regarding where you can have your party and the proper procedures for cleaning up.

Taking precautions is one thing you can do to help keep yourself safe while at college.

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The 7 Spookiest Cities in the U.S. [SLIDESHOW]

Things that go bump in the night. Faint cries coming from empty rooms. Shadowy figures that fade from view. It’s all deliciously creepy fun.

If you’re a ghost hunter or you just love feeling a chill run up and down your spine, hop on the road to visit these seven destinations that are well known for their spooky history.

• 

  1. Mackinac Island, Michigan

   

  Why it’s spooky: Being on the island is like traveling back in time — cars have been banned and people get around by horse and carriage, according to Mackinac.com. It’s a perfect setting for ghost stories, writes Todd Clements, author of “Haunts of Mackinac.”

  Most famous ghost: The ghost of a young man named Harvey famously haunts guests at Mission Point Resort, the Mackinac Island Town Crier reports. Harvey died on the bluff behind the hotel after being rejected by the woman he wanted to marry. Today he’s said to turn on lights when guests are sleeping, steal or rearrange their personal items and appear on the bluff on starry nights.

• 

  2. Salem, Massachusetts

   

  Why it’s spooky: It should be no surprise that the location of the Witch Trials draws flocks of tourists every year to this Eastern port city. In the ancient cemetery in the center of town, the gravestones of people involved in the 1692 trials still stand next to a new monument bearing the names of the people who were executed during that difficult time, the Travel Channel reports.

  Most famous ghost: Bridget Bishop, a wealthy owner of a local tavern, was the first woman killed for witchcraft during the Witch Trials. She is said to be seen at the Lyceum Bar and Grill, which was built on the site where Bridget owned an apple orchard, according to the Travel Channel. The faint smell of apples wafts through the air at night.

• 

  3. Charleston, South Carolina

   

  Why it’s spooky: This Southern city boasts 300 years of reported hauntings, according to the Travel Channel. It’s a very well known destination for those who love all things eerie, so much so that there’s even a series of bestselling ghostly novels, the Tradd Street mysteries, by Karen White, set in the city’s antebellum mansions.

  Most famous ghost: Reported ghost sightings are plentiful in Charleston’s White Point Garden, where 50 pirates were hanged in the 1700s, the Travel Channel reports. Their spirits are said to haunt this popular tourist attraction to this day. Visitors report unexplainable cold spots on hot days, and have seen shadowy figures floating between the trees.

• 

  4. New Orleans, Louisiana

   

  Why it’s spooky: New Orleans’ association with voodoo, ghost stories and vampire novels makes it an eerie place on the brightest of days, not to mention on foggy nights.

  Most famous ghost: The ghost of notorious pirate Jean Lafitte is said to make regular visits to his old haunt, Lafitte’s Blacksmith Shop Bar on Bourbon Street, where he is rumored to have hidden a treasure before his death, Travel+Leisure reports. Patrons and employees alike have reported seeing his red eyes glowing behind the fireplace downstairs, staring at them before disappearing.

• 

  5. Savannah, Georgia

   

  Why it’s spooky: For all of its Southern charm, Savannah is said to be one of the most haunted cities in the country, with many of the historic mansions, pubs and inns having their own resident ghosts, the Travel Channel reports.

  Most famous ghost: James Stark was shot and killed at City Hotel on Bay Street, which is now the Moon River Brewing Co. His spirit is often seen floating through the bar, the Travel Channel says. But Stark is not the only ghost who is said to haunt the building. If you feel a push in the billiard room but no one’s around, it might be Toby, the ghost of a young boy.

• 

  6. St. Charles, Missouri

   

  Why it’s spooky: St. Charles, where Meriwether Lewis and William Clark started their famous expedition to explore the area west of the Mississippi River, is home to historic shops and restaurants in buildings that date back more than two centuries — and nearly all of them have a story about ghostly hauntings, Minnesota’s StarTribune reports.

  Most famous ghost: According to local legend, the spirit of a little girl floats in and out of many shops and restaurants on South Main Street, and an elegantly dressed couple regularly waits for a table at a restaurant, only to disappear when the host or hostess arrives to seat them, the StarTribune reports. There’s even a story that tells of a ghostly dog that ambles down Main Street. But the most famous ghost is the Lady in White, who is said to stand in the old cemetery in the center of town, smiles at people who notice her and then fades away.

  Image courtesy of Explore St. Louis.

• 

  7. Charlotte, North Carolina

   

  Why it’s spooky: Spirits are said to float in and around many of the Civil War-era homes and restaurants in the historic district of this city that is otherwise dripping with Southern charm, the Travel Channel reports.

  Most famous ghost: The Cajun Queen, an old mansion that was converted into a restaurant, is supposedly haunted by the ghost of a woman who once lived there, according to the Travel Channel. Because the bar is located in what was her bedroom, the Travel Channel says she supposedly haunts those who dare to drink there.

Another helpful auto tip:

With Allstate, safe drivers can save 45% or more.

Get a quote

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Tips for Storing Your Motorcycle for Winter [VIDEO]

Once your riding season is over, properly preparing your motorcycle for winter storage can be an important step in to help keep your bike in good riding condition come spring. Motorcycle enthusiast Bryan Glynn shares some simple tasks to do when storing your bike for the winter season.

Watch more videos by Bryan at TwoWheelObsession and YouTube, and follow him on Facebook and Twitter.

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Tips for Improving Your Motorcycle’s Performance [VIDEO]

If you’ve had your motorcycle for a few years, you may notice that it’s not performing quite like it used to. Or maybe it’s simply not performing as well as you’d like it to. Don’t worry! Some simple maintenance and upkeep can help you get the most out of your ride. Motorcycle enthusiast Bryan Glynn shares his tips for maximizing your bike’s performance and even improving its safety and efficiency.

Watch more videos by Bryan at TwoWheelObsession and YouTube, and follow him on Facebook and Twitter.

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4 Tips to Save Money in College

If you’re heading off to college, you’re probably meeting friends, setting up your mini-fridge and choosing your meal plan. But, you may also need to think about the cost of tuition, books and other fees you’ll have this upcoming semester. According to the Wall Street Journal, the average college graduate has accumulated more than $35,000 in debt.

If you want to lessen the burden of debt after graduation, you might want to make an effort to budget and save now. By planning today, you may be able to save some money later in life.

1. Create a Budget

Everyone needs a budget. I learned that lesson the hard way. With 3 to 6 percent interest on my student loans, every purchase felt like it was taxed to me. Suddenly, a cup of coffee cost more each day. Even if you’re not working while you’re in college, you can still budget. Start with monthly expenses. What do you need to spend each month? Include items such as rent, food, car payments and insurance. Total this amount. If you are working, set a budget that can allow you to save every month and put it into a savings account. If you are not working during the school year, set a budget that can allow you to cover your bills throughout the year while still leaving some in savings.

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2. Look for Ways to Make Extra Cash

It’s always a good idea to look out for ways to make a few extra dollars when you’re on a tight budget. One way I made extra money was by participating in paid research studies. Universities frequently have science, psychology and marketing departments that conduct research. Those labs often pay participants. All you need to do is search your campus’ website for research opportunities. As a student, I participated in 15 studies one summer and made nearly $1,000! This money helped me save for travel expenses and pay off bills. These studies may pay quite well (hundreds of dollars sometimes), and you’re contributing to science.

3. Take the Bus, Grab a Bike or Walk

Colleges often have transportation systems for faculty, staff and students. Take advantage of them, as they are usually free with a student ID. You can ride to and from campus (if you’re nearby), and that may save you hundreds of dollars throughout college. For example, in the last seven years, I’ve biked to school nearly every day. I’m staying fit, being a good steward for the environment and spending less on maintaining my car.

4. Join a Campus Organization or Club

Joining clubs and participating in your campus community can be a great way to make new friends and have fun without spending money. Occasionally, these same organizations have pizza parties and other free meals. You’ll be surprised to find guest lectures, special events and group meetings that may serve food for attending, and you’ll learn a thing or two while you’re there.

Part of college living is making new friends and finding new opportunities. College can be a tempting time to overspend. But there’s another way. With a little budgeting, you can enjoy the college experience while minimizing your expenses.

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Renters: 6 Autumn Safety Tips

With the heat of summer cooling off, your thoughts may turn to enjoying the crisp, autumn air and watching the leaves change into vibrant colors. As you prepare to get cozy in your apartment and begin making holiday plans, here are six renter-friendly safety tips to consider.

1. Fight Off Potential Germs

As you start to spend more time indoors than out, you may want to consider how to help keep cold and flu germs at bay. As a renter, you may be exposed to germs from other residents who are also using common areas like the gym or laundry room. Be sure to wash your hands regularly or use hand sanitizer after being in high-traffic areas, says Apartment Guide.

You can also prepare your medicine cabinet for cold and flu season by replacing any expired pain relievers or throat lozenges, says the Centers for Disease Control and Prevention. Don’t forget to also stock up on tissues, chicken noodle soup, crackers and other essentials. If you do happen to get sick, you’ll be glad you thought ahead and had the supplies on hand.

2. Check the Heat

Before you switch on your heat, you may want to consider having your landlord check the furnace and change your air filters that may have become clogged with dust and pollen since the last time you turned it on. You may also request that your landlord repair any window or door defects that could cause drafts, such as loose caulking or worn down weatherstripping.

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3. Reduce the Risk of Carbon Monoxide Exposure

Each year, around 10,000 people become sick from carbon monoxide (CO) exposure, according to the National Conference of State Legislatures. Depending on where you live, your landlord may be required by law to provide a CO alarm in your unit. If your state doesn’t have a law in place, you may want to consider installing a CO alarm yourself. Don’t forget to test the alarm at least once a month, says the U.S. Fire Administration (USFA).

4.  Make Fire Prevention a Priority

Fires can be a constant threat for apartment dwellers. Remember to have your landlord change the batteries in your smoke detector if it is not working. It is also a good idea to replace a smoke detector every 10 years, says the National Fire Protection Association. Check the manufacturer date on the back of your smoke detector and contact your landlord if you have any concerns. You may also want to consider keeping a fire extinguisher in the kitchen as an extra precaution, says the USFA.

5. Celebrate Halloween Safely

If you’re heading out to a Halloween party, lock your apartment even if you’re celebrating down the hall at a neighbor’s place. Remember to never allow strangers into your apartment. Also, you want may to avoid sharing your Halloween plans on social media to avoid telling potential thieves that you will be out. It’s also a good idea to secure your pets to help keep them from scaring trick-or-treaters or getting out accidentally.

6.  Handle Food Safely

As the holidays approach, food often takes center stage in gatherings and celebrations. Help prevent food borne illnesses by washing your hands when handling food and try to avoid cross contamination when cutting raw meat or fish, says FoodSafety.gov. Remember to always thoroughly cook food and refrigerate it promptly.

Taking a few simple actions now may help ensure you have time to relax and enjoy the new season.

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Video 4: Expertise from A - Z Marine Cargo

In the penultimate episode Allianz's Ben Woodman talks about key pieces of information brokers must know.

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Car Maintenance Toolkit

Drivers wants their car to perform at its best for an extended period of time. That typically requires a certain amount of preparation and vehicle maintenance to help keep all the systems of a car working properly. Knowing exactly what to do and when to do it can be difficult and even confusing. This collection of resources below provides some helpful tips about how to handle the most common maintenance tasks that can help keep your vehicle running smoothly.

Do You Know What Your Check Engine Light Means?

Many situations can trigger your check engine light. Do you know what they are? When it comes on, do you know what to do? Find out here:

Check Engine Light Basics

Preparation and Education

Before you take your vehicle out for a drive, you may want to consider some simple preparation to help keep you safe on the road and ready for the unexpected.

Car Emergency Kits That Aren’t ‘One-Size Fits All’ [SLIDESHOW]

Moms and dads know that a properly stocked emergency kit in the car can mean the difference between a minor inconvenience and full-blown frustration. Check out some options for customizing your own car emergency kit.

Plan Ahead: Know How to Jump-Start a Car

Mistakes happen. Headlights might be left on or a door is left ajar, allowing the dome light to remain on for a long time. The result: a dead battery and a car that won’t start. But you’re not necessarily stranded. Here’s what you need to know to jump-start a car.

The 7 Tools Every Vehicle Owner Should Have

Chances are, you don’t have all the specialty tools available to a mechanic. Knowing that, Eric the Car Guy provides a list of must-have tools that every car owner might need in order to properly service their vehicles.

Vehicle Vocabulary: Learning The ABCs of Autos [INFOGRAPHIC]

While you don’t need to know your car as well as a mechanic, it can be helpful to know some of the basic vehicle terminology. This infographic can help get you started with some important auto terms — from A to Z.

Winter is Coming: Prepare Your Car for the Cold

When the temperatures change and winter sets in, your car may need a little cold-weather TLC. Consider these simple tips to help keep your vehicle performing well as the mercury dips.

 

Maintenance and Performance Improvement

In order to help keep your vehicle running safely and smoothly, a certain amount of maintenance and upkeep is required. More than that, some simple do-it-yourself tasks may even improve your car’s performance.

How to Maintain a Seldom-Used Vehicle

Maintenance is important, but what about vehicles you only use once in a while or that are in storage part of the year? Before storing your vehicle, remember these car maintenance tips.

6 Affordable Ways to Update and Improve Your Car

You might think of your car as something that gets you from point A to point B, but maybe it’s getting older and you’d like to update it. Fortunately, there are some simple ways you can upgrade your car without spending a ton. Check out these do-it-yourself tips for how to make your car feel newer, inside and out.

3 Upgrades to Help Improve Your Car’s Performance

Your car gets you where you want to go, but is it performing up to its capabilities? There are a few simple things you can do to help enhance its daily performance.

Older Cars: Keeping Your Car Healthy at 10 Years Old and Beyond

The average age of cars on the road increased to 11.4 years as of 2013, and it’s important to pay proper attention to the upkeep of these older vehicles. Check out these simple maintenance tips that can help keep your older vehicle in working order.

7 Simple Car DIY Mistakes to Avoid [VIDEO]

If you like to work on your vehicle, you’ve probably made some simple mistakes here and there. Auto maintenance and repair specialist The Humble Mechanic gives his tips for avoiding seven common pitfalls to help you get the most from your maintenance efforts.

Beater Makeovers: Upgrades and Upkeep for Older Cars

Older cars, even those with nearly 200,000 miles on the odometer, can be reliable and safe with the help of a little work and preventive maintenance. Consider a few tips to help make your older vehicle perform optimally.

Check Engine Light: What Does It Mean and What Should You Do? [VIDEO]

What does the little “check engine” light on your dashboard mean? Should you stop driving immediately? Can you drive to a repair shop? Do you need a tow truck? The Humble Mechanic explains what it could mean and what actions you can take.

 

Tire Treatment

Often overlooked, tires are a key part of your vehicle’s performance. They connect your car to the road and can play an important part in auto safety. Knowing when and how to take care of your tires can help you make the most of your driving experience.

New Tires to the Rear

If your car needs new tires, purchasing four tires at once is the ideal, but tires can be expensive and sometimes, two will do. No matter if your vehicle is front-, rear-, or all-wheel-drive, a pickup, a sporty car, or an SUV: If you buy only two new tires, you should put them on the back, according to automotive journalism Mac Demere.

Tires Can Wear Out Even If They Haven’t Gone Very Far

If you must buy used tires for your vehicle, consider this: tires can degrade and weaken even if they haven’t gone very far or done much. A tire begins to diminish the moment it leaves the assembly line. Consider these tips for identifying old or worn tires.

Understand Your Tire Pressure Monitoring System

Don’t ignore warning lights on your car’s dashboard. These lights help alert you when some aspect of your vehicle needs attention, typically in an attempt to protect the vehicle and/or its passengers. But what about the Tire Pressure Monitoring System (TPMS) light?

Winter Tires: Which Is Best for You?

Winter tires are specifically designed to grip the surface of the road — including compact snow and ice — with more surface area, allowing for better traction, acceleration, stopping and steering compared to non-winter tires. What about snow tires? All-weather tires? Which ones are right for you?

 

Upkeep: Inside and Out

Taking proper care of your car means more than doing the required repairs. Some drivers may want to put a little effort into the upkeep of the exterior and interior of their favorite vehicle.

Strange Noises Your Car Makes — and What They Might Mean

Cars have so many moving parts that require regular tuning, lubrication and replacement, that a strange noise can be seen as an early attempt by your vehicle to tell you that something is wrong. Check out a few common noises and possible causes.

At the Car Wash: Keeping Your Car Squeaky-Clean — and Damage-Free

If you don’t have the time, space or equipment to wash your car, or if you’re just not into turning your driveway into a DIY car wash, there are several different kinds of car wash services to choose from. Which type of wash is right for you and your car?

How to Choose the Best Motor Oil for Your Vehicle

What kind of oil does your vehicle need? If you lost your owner’s manual or don’t have an expert on call, there are several factors you can consider when choosing your motor oil. Here are some tips for your vehicle.

Tips for Keeping Your Car Cool in Summer

A hot, stuffy car can be a common side effect of warm summer weather. But there are plenty of simple things you can do to help maintain a cooler vehicle on those hot and humid summer days.

Top 5 Safety Tips at the Gas Pump [VIDEO]

Pumping gas can seem mundane, but this errand may come with some potential for mishaps if done incorrectly. The Humble Mechanic shares his top five tips for being safe while filling your car’s gas tank.

Fuel Functionality: What If You Add the Wrong Fuel to Your Tank?

Today’s gas pumps can be confusing. Gasoline comes in five or more varieties, and there’s also diesel. If you add the wrong fuel, the results may range from no problems to a potentially ruined engine.

Chips and Cracks: When to Repair or Replace a Damaged Windshield

A chipped or cracked windshield can be dangerous, but should you repair or replace it? Check out these tips for when and how to make repairs.

The post Car Maintenance Toolkit appeared first on The Allstate Blog.

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How to Install a Curtain Rod [VIDEO]

Whether you’re hanging curtains for a new pop of color in your home or simply to have a little extra privacy, watch as home maintenance expert See Jane Drill shows how to install a curtain rod in your home.

Get to Know Home Insurance Like a Pro

Protect what matters most with homeowners insurance.

Learn More

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6 Things to Know When Changing Your Own Oil for the First Time [VIDEO]

Changing your own engine oil and filter can be a great way to get started on doing some car maintenance yourself. But your first do-it-yourself car maintenance can be intimidating. While there are only a few steps to perform an engine oil and filter change, it’s vital that they are done right. So, today I am going to give you the six most important things you need to know when changing your own oil.

Auto maintenance and repair specialist The Humble Mechanic gives his tips for changing your own oil.

Watch more videos by The Humble Mechanic. Follow him on his blog, Twitter and Facebook.

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8 Things Your First Apartment Needs

Signing a lease and moving into your very first apartment can be such an exciting time in your life. In the midst of this excitement, though, it can be easy to forget some of the basics that can make a big difference in your new place. When unexpected events arise, you don’t want to be caught without a few key items. Here are eight things you’ll probably want to have on hand in your first apartment.

1. Spare Key

Whether you’re getting used to a new lock system or you’re just caught up in the hectic nature of move-in day, being locked out of your apartment is a possibility that you’ll want to avoid. Rather than relying on your landlord or calling a locksmith, consider being proactive and have at least one spare key made. If a spare key wasn’t already provided to you by your landlord, you may want to think about having a duplicate made at your local hardware store for a small fee.

Be aware that some keys are marked as “do not duplicate.” In this case, you’ll need to ask your landlord to have a spare produced for you, which may come with a charge. Leaving a set with a close friend or relative may be well worth the small price it may cost you if you’re ever locked out.

2. File Organizer

Living on your own comes with a fair amount of paperwork, and it may be a good idea to keep it all organized and in one central location. Purchasing a file folder, an accordion-style organizer or a filing cabinet can help you keep track of important documents such as a copy of your lease, utility contracts, product warranties and appliance manuals.

Apartment Appropriate Pets

If you rent an apartment, there are some types of pets that might not be the best for you. Check out these 6 pets that may be perfect for your apartment.

Pets for Apartments

3. Beginner’s Toolkit

For everything from hanging artwork to assembling furniture, a basic toolkit can be a must-have. There’s no need to go all out here — you may just want to start with a hammer, pliers, screwdriver set, a tape measure, a level, an adjustable wrench, a small set of Allen wrenches and a few different sizes of screws and nails, says Apartment Therapy.

4. Emergency Kit

Fumbling around for a flashlight when the power goes out for the first time can be no fun. Put together a kit that includes a flashlight, extra batteries, a portable phone charger (that you can plug in and recharge occasionally to help ensure a full charge when you need it), and some bottled water in the event that you may lose access to running water, says Ready.gov. Take your emergency preparedness a step further with this survival kit guide from the American Red Cross.

5. First Aid Kit

Whether you decide to assemble your own kit or purchase one, having a basic first aid kit on hand can be a good idea. Some essentials include a variety pack of adhesive bandages, sterile gauze pads, sterile cotton swabs, a pair of latex gloves, a thermometer, tweezers, small scissors, hand sanitizer and a list of emergency phone numbers, says the Red Cross.

6. Furniture With Storage

Picking out furniture can be one of the more enjoyable tasks that comes with moving into your first apartment, but there are a couple of things you may want to keep in mind when making your purchasing decisions. One important thing to consider is how much storage space you’ll need. You may be drawn to certain pieces but may be disappointed when you get home and realize that they don’t serve the functional purpose they need to. If you’ll need additional storage, you may want to choose furniture that offer drawers or closed cabinet space where you can tuck things away that you’d rather have out of sight.

7. Drain Tool

Inevitably, sink and shower drains occasionally get clogged. You might decide to handle some clogs yourself (if your lease allows it) so investing in a zip or snake style tool may help you break up any hair or product build-up that may be causing a back-up. Remember, call a professional if you need help with any plumbing issues.

8. Plunger

On the subject of clogs, having a plunger on hand may potentially save you some headaches. You do not want to be without a plunger when you truly need one, so it may be a good idea to put it on your move-in shopping list — you’ll thank yourself later!

This basic list may help give you a good start on living on your own.

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Noisy Brakes: Common Causes and Possible Solutions [VIDEO]

Making sure your car is functioning properly is an important responsibility if you’re a driver. Oftentimes, you may be able to determine that your vehicle needs some sort of repair by feeling how it drives, or if the calendar dictates that its time for certain regular maintenance tasks.

Additionally, if you hear unusual noises coming from your car, that can also be a sign that it’s time to have it checked out. Squeaky, squealing brakes can be a common complaint, especially after DIY brake repairs. Even with new parts, brakes can emit annoying noises. Auto mechanic Eric Obrochta shares his tips for safely replacing brake pads in a way that helps eliminate squeaks and squeals.

Watch more videos by Eric on his YouTube channel and follow him on Facebook.

Another helpful auto tip:

With Allstate, safe drivers can save 45% or more.

Get a quote

 

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Towergate holding company makes £25.99m pre-tax loss

Losses have decreased compared to the same period in 2015.

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Towergate holding company makes £25.99m pre-tax loss

Losses have decreased compared to the same period in 2015.

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Video: How does the Insurance Act affect brokers and their customers?

In this video, LV’s Kevin Hawkins, head of commercial property & liability underwriting talks about the Insurance Act, what the changes are and how they affect you and your customers.

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Towergate results show it is “back to black”

CFO Mark Mugge says the broker is “building a business for the long term” and has returned to profitability.

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Towergate’s adjusted Ebitda drops 16.9% for first half of 2016

Consolidator reports 7% fall in income for six months.

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Ecclesiastical promotes Chris Withers to head of broker distribution

Withers, who joined last year, takes on the newly created role as well as continuing with the regional development of real estate business.

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Ecclesiastical promotes Chris Withers to head of broker distribution

Withers, who joined last year, takes on the newly created role as well as continuing with the regional development of real estate business.

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Broker and partner jailed for defrauding Willis

Simon Higginson and Lee Willis were convicted of defrauding Willis of £1.7m over more than a decade.

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‘Ghost broker’ given 21 month suspended jail term

London-based fraudster tried to make over £39,000 of personal injury claims.

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‘Ghost broker’ given 21 month suspended jail term

London-based fraudster tried to make over £39,000 of personal injury claims.

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‘Ghost broker’ given 21 month suspended jail term

London-based fraudster tried to make over £39,000 of personal injury claims.

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Broking break: Insuring the London tube network

As the Night Tube launches today, Insurance Age takes a look at Transport for London's insurance costs.

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Broking break: Insuring the London tube network

As the Night Tube launches today, Insurance Age takes a look at Transport for London's insurance costs.

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Broking break: Insuring the London tube network

As the Night Tube launches today, Insurance Age takes a look at Transport for London's insurance costs.

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John Moore commits to the professionalism debate as CII president

Thomas Carroll chairman was confirmed in the year-long role this July.

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Quizzical questions: 19 August 2016

Test your knowledge of the week's news with our topical news quiz.

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