(Feature Impact) Review any driver’s road trip checklist, and you’ll likely find some items always top the list, such as suitcases, snacks and (sometimes) a spare tire.

New research from Hankook Tire’s ongoing consumer Gauge Index Survey found that, when packing for a road trip, nearly 6 in 10 drivers (58%) said they would prioritize bringing a spare tire and tools. While the majority said they check their spare tire, getting stuck without air in the spare could quickly turn an adventure into a headache.

Before you hit the road next, here are three ways to prepare:

1. Check your vehicle.

Preparing for a long road trip requires more than simply saving room in the suitcase for souvenirs. Once the bags are packed, it’s easy to get behind the wheel and go. However, a quick car inspection is an important step, especially as 36% of Americans said if they could eliminate one travel inconvenience, it would be vehicle issues.

According to the survey, nearly all drivers (86%) check their fuel level before a road trip. Yet only about two-thirds (66%) inspect their engine fluids even though this is also a key recommendation before a long drive. Don’t forget to plan your refueling or EV charging stops ahead of time: 27% of drivers said running out of fuel is their top concern on the road.

2. Kick the tires.

Most drivers (78%) check their tire pressure before a road trip, and the majority of drivers (90%) have a spare tire in their vehicle. Yet less than half (44%) actually check their spare tire before a long drive. This may be because 71% of drivers regularly inspect their spare at least once a month, giving them peace of mind that it’s ready if needed.

Before heading out, experts recommend checking tire tread, as well. A quick coin test can confirm your tires are in good shape. Insert a nickel or quarter heads-down into the groove of the tire with the head pointing down. If the top of the head is visible, it’s recommended to replace the tires.

3. Pack the emergency essentials.

Beyond the phone charger and salty-and-sweet snack combo of choice, think about what else you might need if you find yourself in a roadside emergency. Many drivers consider a first-aid kit (25%) and navigation system or map (35%) essential additions to a spare tire. The latter could certainly help avoid many drivers’ biggest worries: More than 1 in 5 (21%) said getting stranded in a remote area is their worst-case scenario for a road trip mishap.

No matter where your journey takes you, a little preparation goes a long way. By referring to these insights from Hankook Tire’s Gauge Index Survey, you can start your adventure confidently prepared for whatever the road may bring.

Photo courtesy of Shutterstock

SOURCE:

Hankook Tire

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(Feature Impact) Many Americans continue to feel pressure from rising everyday expenses. Some are turning to credit cards and other expensive options like unsecured loans to cover surprise bills, manage a temporary gap in cash flow or even pay for basics like groceries and gas.

For these people, an auto secured loan may offer another option for borrowers who own a vehicle and are looking for a more affordable way to access funds.

Unlike an unsecured personal loan, an auto secured loan uses a vehicle as collateral. This can help borrowers qualify for higher loan amounts at better interest rates and with more flexible repayment terms.  

Not all loans are created equal, however. If you’re considering an auto secured loan, here are six features that responsible lender Oportun suggests borrowers prioritize when evaluating their options.

1. Transparent, Easy-to-Understand Terms

A responsible lender will clearly explain the loan’s annual percentage rate (APR), monthly payment amount, repayment schedule, fees and total cost over time.

Borrowers should also understand what happens if a payment is missed and what options may be available if financial circumstances change. Clear information helps consumers make confident, informed decisions.

2. Affordable and Predictable Payments

The best loan is one that fits comfortably within your budget. Look for fixed monthly payments, reasonable repayment terms and the ability to pay off the loan early without penalties. Be cautious of products that rely on repeated refinancing or loan rollovers that can increase costs over time.

3. Lower-Cost Alternatives to Payday

When unexpected expenses arise, some consumers turn to high-cost forms of credit, such as payday loans, because they are often marketed as fast and easy to secure.

A responsible auto secured loan may offer a more affordable alternative with lower rates and repayment terms designed to help borrowers successfully repay what they borrow rather than become trapped in a cycle of debt. Be sure to shop rates across loan types and lenders.

4. Flexibility and Strong Customer Support

Life doesn’t always go according to plan. Borrowers should look for lenders that offer convenient account management tools, flexible payment options and access to knowledgeable customer support representatives. The ability to get help when it’s needed can make a meaningful difference over the life of your loan.

5. Credit Building Opportunities

A loan can do more than just solve an immediate financial need. Many responsible lenders report payment activity to the major credit bureaus, allowing borrowers to build or strengthen their credit history through consistent, on-time payments. Over time, a stronger credit profile can open the door to additional financial opportunities.

6. Responsible Collateral Practices

Before taking out an auto secured loan, it’s important to understand how a lender approaches collateral. Responsible lenders use a vehicle to help expand access to credit. They do not offer credit as a shortcut to taking ownership of your vehicle. Look for lenders that offer hardship assistance and work with borrowers facing financial setbacks before pursuing collection actions. Repossession should always be a last resort.

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Choosing the Right Lending Partner

If you’re considering an auto secured loan, make sure the lender you choose supports these six practices. Responsible lenders design their products to help people both access funds for short-term needs and improve their long-term financial health.

For example, Oportun offers clearly priced auto secured personal loans designed to help members access affordable credit and repay them on time so they can build a stronger financial future. Since its founding, the lender has provided more than $22 billion in responsible and affordable credit, helped more than 1.3 million people establish a credit history and saved its members more than $2.5 billion in interest and fees.

By focusing on lenders that prioritize transparency, affordability, flexibility and successful repayment outcomes, borrowers can find an auto secured loan that meets their current and future financial needs. Discover more information by visiting Oportun.com.

Photos courtesy of Shutterstock

SOURCE:
Oportun

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10 Tips to Vacation-Proof Your Home While You’re Away

(Feature Impact) Whether you’re headed toward the beach, the mountains, a new city or your favorite quaint small town, it’s exciting to look forward to a vacation. Making sure all the logistics are planned, prepped and ready before your departure is the tough part, but it’s well worth putting in the effort now to save yourself stress later. That includes taking precautions to protect your home from break-ins, water damage and other unpleasant surprises you’d rather not return to.

“A vacation should end with great memories, not an unexpected repair bill,” said Larry Anderson, director of underwriting operations for Mercury Insurance. “Taking a few simple steps before you leave can help protect your home, reduce unnecessary stress and give you greater peace of mind while you’re away.”

Use these 10 steps as a pre-vacation checklist so you can enjoy a worry-free trip.

Lock Doors, Gates and Windows

You probably won’t forget to lock the front door before you leave, but other entry points can be easier to forget. Check all your windows, sliding glass doors, side entrances and gates. If you have any outbuildings like a shed or detached garage, secure them before you leave as well.

Automate Lights for a Lived-In Look

Although you don’t have to go full “Home Alone,” a home that appears occupied is less of a target for burglars. Use timers or automated smart devices to turn lights on and off throughout the day, ideally varying the schedules in different rooms.

Hold Mail and Packages

Beyond being easy prey for porch pirates, stacks of packages and overflowing mail signal no one is home to collect them. Contact your post office to place a hold on deliveries or arrange for a trusted neighbor to get the mail for you.

Consider Shutting Off the Water

A small leak can quickly become a big problem when there’s nobody home to notice. If practical, shutting off your home’s main water supply can help prevent major plumbing issues – and at the very least, be good for your peace of mind.

Set the Thermostat

It’s important to maintain a safe indoor temperature in your home while you’re away. The usual wisdom is to set the thermostat at 55-60 F during the winter to prevent pipes from freezing, and about 85 F during the summer to reduce energy use while protecting the home from excessive heat and humidity. Smart thermostats allow you to monitor and control temperatures remotely if the weather changes unexpectedly.

Test Smoke Alarms and Other Devices

Make sure your emergency alert systems are ready to do their jobs while you’re gone. Test smoke alarms, carbon monoxide detectors and any leak sensors, smart devices or security systems. If needed, replace batteries and confirm your monitoring apps are set up to get notifications promptly.

Ask a Trusted Person to Check In

Neighbors, friends or family members will often keep an eye on the place during your vacation (especially if you return the favor during theirs). It’s up to you whether you want to give them a key to check things out inside; otherwise, a quick walk around the property can identify external damage or signs of forced entry.

Be Social-Media Savvy

Even if you trust everyone on your online friends list, it’s better to be safe than sorry. Save the vacation photos to post once you’re safely back so you don’t unintentionally advertise that nobody’s home.

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Tidy Up Outdoor Spaces

Well-maintained landscaping gives the impression someone is home and cares about the property. An afternoon of yardwork before you leave can keep things looking fresh for a while.

Review Your Homeowners Insurance

No matter how well you prepare, it’s smart to have a fallback plan in case something goes wrong. Before your trip, review your homeowners policy to make sure you know what it covers and how to reach your insurance company in the event of any incidents.

For more information about homeowners insurance coverage and ways to help protect your home year-round, visit MercuryInsurance.com.

Photos courtesy of Shutterstock

SOURCE:

Mercury Insurance

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