Monday, November 24, 2014

Thanksgiving by the Numbers

Curious how your fellow Americans spend their Thanksgiving? We compiled facts and figures from TripAdvisor, Orbitz and the U.S. Department of Transportation to give this Turkey Day snapshot:

Who travels?

43,400,000 Americans travel for Thanksgiving

Why do they travel?

thanksgiving dinner
40% travel to have dinner with family 4% travel to have dinner with friends

How far do they go?

50 miles or more on average

Where do they go?

San Francisco
The 5 most popular cities to travel to for the holiday are:
  • New York City
  • Orlando
  • Chicago
  • Los Angeles
  • San Francisco

How do they get there?

Child in car
Getting on plane
38,900,000 travel by car 3,140,000 travel by plane
1,400,000 travel by bus, train or ship

When do they leave?

27% of drivers leave on the Wednesday before Thanksgiving – the busiest travel day
64% plan to travel during off-peak hours to avoid heavy traffic

Where do they stay?

44% of travelers stay at the home of family or friends
42% stay at a hotel or vacation rental

How do they book their tickets and accommodations?

57% of travelers use a mobile device in the booking process

How much do they spend on traveling?

$162 is the average hotel rate

What about the food?

235,000,000 turkeys are raised in the U.S. each year
46,000,000 turkeys served for Thanksgiving dinner
736,000,000 pounds of turkey served for Thanksgiving dinner
16% of people eat at a restaurant on Thanksgiving

How much is spent on the feast?

$49.04 is the average cost of Thanksgiving dinner for 10 people
$21.76 is the average cost of a 16 lb. turkey
$75 or more is the average for a ready-to-eat meal from a grocery store

Monday, November 17, 2014

#SelfiesWhileDriving: A Dangerous Phenomenon


Everywhere you look, people are taking “selfies” – from sporting events to graduation ceremonies. But the reckless act of taking a self-portrait while driving can endanger you, your passengers and others on the road.
 
The selfie fad is so new that statistics linking it to traffic accidents don’t yet exist. However, the U.S. Department of Transportation cites more than 3,300 deaths every year caused by distracted driving. Taking a selfie is a distraction from driving – reaching for your phone, opening the camera app and taking a photo. Distracted drivers are three times more likely to get into a crash, yet 80% of drivers admit to using their phone while driving.

The rise in driving hashtags

Hashtags that refer to driving tell part of the story. The following driving-related hashtags are among the most common on Twitter and Instagram – accounting for thousands of posts this year alone:
 
#Driving: 40 million+ posts
#Drivinghome: 80 thousand+ posts
#Drivingtowork: 16 thousand+ posts
#Drivingselfie: 21 thousand+ posts
#Drivingselfies: 5 thousand+ posts

Selfies while stopped are still unsafe

The Insurance Institute for Highway Safety’s Russ Rader noted that taking a selfie even while stopped at a traffic light is dangerous. “It is still distracting,” he said, “and driving requires your full attention.”
 
A common accident involving vehicles stopped at a red light or traffic sign is a rear-end collision. While you can’t control the actions of the driver behind you, taking a selfie can distract you from moving quickly enough to avoid being hit. It also can delay your response once the traffic light turns green – causing you to hit the vehicle in front of you.
 
Plus, in states that have deemed it illegal to use a cell phone while operating a vehicle, you could be ticketed.

Ad focuses on the potential selfie aftermath

Toyota’s “Don’t Shoot and Drive” campaign uses Instagram to call out the dangers of taking selfies while driving. For impact, it uses images of a totaled car edited in various Instagram filters.
 
When you’re behind the wheel and you’re holding a phone, you’re a distracted driver. And no conversation, text or selfie is worth the risk.

Monday, November 10, 2014

Tis the Season...for Theft Prevention

5 Tips to Keeps Your Belongings Safe from Holiday Theft

 
 
 
The holidays are a cheerful time, but while you’re celebrating, someone may be eyeing those new gifts. Beware of the burglars waiting to get their hands on your presents.
 
According to Nationwide claims data over the past three years, there were nearly 15,000 home thefts during the holidays and travel months of November, December and January.
Here are 5 tips to help avoid being a victim of theft over the holidays:

1. Save the status updates for later

Four out of five burglars used social networks last year to find out when people were not home.
 
Telling friends and family your holiday plans on social media may seem harmless, but that social media message can be an advertisement to burglars that says, “I’m not home.” Don’t let your social media behavior while you’re gone put your home at risk for a burglary.

2. Add home security devices to your gift list

Adding these items to your wish list can offer some extra protection:
  • Sensor-triggered lighting
  • Motion-activated webcams
  • Smart phone home security
Also look into technology that lets you connect with your phone for 24/7 surveillance when you’re on the go.

3. Close the curtains before turning in

Open blinds may invite unwanted eyes, allowing thieves to check out the layout of your home, or view your belongings.

4. Don’t leave ladders up after decorating

Ladders can help a burglar gain access to your home. Once you’ve hung the outdoor lights, store the ladders and tools in a locked shed or garage.

5. Create categorized inventory lists

Put your gift list-making skills to good use and keep an ongoing record of items in your home. Free apps like Know Your Stuff can help you take inventory with pre-programmed categories and locations.
 
An inventory list will come in handy if you have Brand New Belongings insurance* coverage, which can help replace your insured belongings if they’re stolen or destroyed – regardless of age or condition.
*Optional feature. Exclusions and limits apply. Damaged items may be repaired in some cases. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages. Subject to underwriting guidelines, review, and approval.

Tuesday, November 4, 2014

ELECTION DAY!

Dont forget to vote today for our State and Local Representatives!!
 
 
So get out there and place your ballot because...
 
To get registered or check your registration status, find out when and where to vote on Election Day (or how to vote early!), figure out who's on your ballot, and more - go to: Rock The Vote for all your Election Day needs!
 

Monday, October 27, 2014

Top Apps to Save You Money for Your Daily Routine

 
One major perk of owning a smartphone is that you have access to apps that can save you money for every part of your day. From grocery shopping to picking up prescriptions from the pharmacy, your apps are crucial to spending as little as possible. According to U.S. News and Kiplinger, the apps below can help you do just that. Consider some of your weekend activities:

Get those groceries – 9 a.m.

First weekend errand? Grocery shopping.
 
Must-have app? Grocery IQ.
 
Not only is this app an organizational tool, as it allows you to build customized grocery lists, identify your favorite products and check off items as you shop, but it can also save you money. The coupon gallery gives you the option of clipping, printing and emailing coupons to yourself and to others.

Fill that gas tank – 10 a.m.

Low on gas? Arrow is approaching “empty.”
 
Must-have app? GasBuddy.
 
GasBuddy detects your current location and finds the closest gas stations with the cheapest prices. Why drive around aimlessly in search of an affordable fill up when you can have the research done for you?

Shop ‘til you drop – 11 a.m.

Is it time to treat yourself to a new outfit and shoes to match? Obviously.
 
Must-have app? ShopSavvy.
 
Select your favorite stores and products while ShopSavvy does the rest. You’ll receive an alert when there’s a sale and if you identify a particular item, the app will inform you of where you can purchase it for the lowest price. That’s one shopping companion you should never leave behind.

Feasting at lunch – 12 noon

Did that shopping make you hungry? Starving.
 
Must-have app? Groupon.
 
Groupon partners with countless businesses so that you can enjoy products and experiences for a fraction of the cost. Simply apply your location and the app will spit back tons of dining discounts in your area—you’re bound to find something that will satisfy your taste buds.

Pharmacy prescription pick-up – 2 p.m.

Are your sinuses acting up? Happens every summer.
 
Must-have app? GoodRx.
 
This app allows you to search for a specific medication and compare prices at pharmacies near you. For additional savings, you have access to special coupons and discounts so that you don’t have to empty your pockets for your medications.

Relaxation time – 3 p.m. to 5 p.m.

There’s no app for that.

Family dinner outing – 5 p.m.

Dining with the kids? It’s a Saturday night tradition.
 
Must-have app? Kids Meal Deals.
 
Isn’t it a pleasant surprise when you find out that the restaurant you’re at offers free dining for children? With Kids Meal Deals, you don’t have to wait to be surprised. The app compiles all of the restaurants in your area where kids eat free.
There you have it – a collection of some of the most valuable apps to keep your wallet full and make your day a little easier. Which ones would you use?

Monday, October 20, 2014

The Latte Effect: How much could you be saving?

 
Do you regularly spend a few dollars on everyday things that you could probably live without? We’re all guilty of it but we tend to ignore the bigger picture. Think about it: if you saved the money you spent on small, day-to-day purchases, you could quickly save up a large sum of money that could be better used to benefit you down the road.
 
Get familiar with the latte effect – the idea that unconscious spending on small things each day adds up to a vast amount over time.

Change your spending habits

While a dollar here and there may seem trivial in the scheme of things – as you can see, those dollars accumulate quickly. That’s not to say, however, that you should cut out all of life’s little luxuries. Pleasures such as medium lattes, manicures and lunches out can be enjoyed in moderation. It’s all about balance and discipline with your finances.
 
Think about your everyday purchases – do they provide long-term value? The answer will help you put your priorities in order and see where you can redirect your money.
 
How much could you be saving? Track your daily expenses to discover where you can cut back.

Monday, October 13, 2014

Hype vs. Help: New safety features in cars

 
Advances in car technology have made it difficult to choose what add-ons you really need and which are excessive or worse yet, dangerous. We’re all for innovation, but we want to help you find out what new safety features are all hype and which ones can actually help protect you on the road. Whether you’re in the market for a new car or you’re simply curious about the newest safety features, check out our assessments of some of the most cutting-edge car technologies.

Front crash prevention

Front crash prevention includes features that both warn you when a front end collision is imminent and automatically apply the brakes to help you avoid a crash. New crash avoidance technologies, such as front crash prevention, are already reducing insurance claims from at-fault drivers. This safety feature is quickly becoming an available option in all new cars, but it can vary in effectiveness. Check the make and model of the car you’re considering on the Insurance Institute for Highway Safety (IIHS) safety ratings to find out if it has a superior front crash prevention system.

HELP Less “bang” for your buck.

Voice activated texting

Phone related driving accidents are responsible for a growing number of car crashes. Texting while driving is the number one offender, but taking your eyes off the road for any reason is extremely hazardous. Hands-free car technology that allows you to keep your eyes on the road may seem like an advance in car safety, but studies have shown that voice activation systems cause mental distractions that can slow down a driver’s reaction times.

HYPE Use your head. Texts can wait.

Lane departure warning

Lane departure warning technology alerts you when you’re about to veer out of your lane unless your turn signal is on. This feature has progressed recently to include Lane Keep Assist, which automatically corrects your car’s course to keep you centered on the road. It might sound like a self-driving car, but the steering wheel movements are very subtle and can be overridden at any time.

HELP What’s not to like?

Rain sensing wipers

Windshield wipers are a critically important car safety feature, but why change something that doesn’t need improving? With the flick of the wrist, windshield wipers are as easy to operate as power windows. Rain sensing wipers use infrared lights to detect if your windshield glass is dry – something the human eye can do just fine. If you aren’t able to spot when it’s raining, you probably shouldn’t be driving in the first place.

HYPE If it ain’t broke, don’t fix it.

Touch screen controls

Similar to smart phones, touch screen car consoles also require you to take your eyes off the road to operate. Touch screen car controls can be difficult to use and some even come with highly distracting features like an integrated web browser. Limited touch screen functionality, like GPS, can be useful, but conventional knobs and buttons make it easier for you to keep your eyes on the road.

HYPE Overly complicated touch screens are distracting.

Backup cameras

Cameras that allow you to see what’s in the blind spot behind your car are useful for parking, but more importantly they can save a life. Accidents that result from backing up cause an average of 292 deaths per year. Backup cameras are especially useful on larger vehicles, such as SUVs, where the blind spot might be large enough to hide a small child from your view.

HELP Another pair of eyes can only help you see better.