Falling Back: How Time Changes Affect Us

Falling Back: How Time Changes Affect Us

Ready or not — it’s time to “fall back!” As the clocks turn back and we “gain” an extra hour of sleep (in theory, anyway), our bodies and minds begin the tricky process of adjusting to the seasonal shift. That simple 60-minute change can do more than confuse your alarm clock. It can throw off your sleep, dampen your mood, and even impact your health and safety behind the wheel.

Here’s what really happens when daylight saving time ends, and how you can make the transition a little smoother.

A Brief History of Time (Changes)

Daylight saving time (DST) began as a way to save fuel and energy during wartime. The idea was simple: shift an hour of daylight from the morning to the evening to reduce electricity use. The current twice-yearly time change became standardized in 1966 with the Uniform Time Act.

Not every state participates, however — Hawaii and most of Arizona, for example, have opted out, remaining on standard time year-round. But for the rest of us, the biannual clock shuffle continues, bringing with it more than just a shift in sunrise and sunset times.

Your Internal Clock: The Science of Circadian Rhythms

You may not notice it right away, but that hour difference can have real effects on your body. Humans run on a roughly 24-hour internal clock known as the circadian rhythm, which regulates sleep, alertness, hormone production, digestion, and even body temperature. When we change the clocks, that rhythm gets disrupted. Think of it as a mini version of jet lag — your body is out of sync with the world around you. You might feel a little foggy, irritable, or unfocused, and your sleep may take several days to recalibrate.

Those who thrive on routine (and who doesn’t?) may especially feel the strain. Even small schedule shifts can lead to difficulty concentrating, making decisions, or remembering things. For others, the impact may show up in subtle ways, like changes in appetite or mood.

Sleep: When an Hour Makes a Difference

You’d think that “falling back” and gaining an hour would leave you feeling more rested. But many people find the opposite happens.

Here’s why: your brain’s master clock releases the sleep hormone melatonin at the same time every night. Your body may be ready for bed before the clock says it’s bedtime — but you stay up later, then struggle to wake up in the morning darkness.

Exposure to artificial light in the evening (think phones, TVs, or bright lamps) can make it even harder to fall asleep. Meanwhile, waking up before sunrise leaves you feeling sluggish and unrefreshed. Sleep experts say it can take up to a week for your body to fully adapt.

The result? Lower-quality sleep — and all the effects that come with it, from slower reaction times to mood swings and brain fog.

Health Risks: More Than Just Fatigue

Sleep is foundational to good health, and when it’s disrupted, so are other systems in the body. Research has linked insufficient or irregular sleep to a range of issues, including:

  • Cardiovascular problems, including high blood pressure and heart disease
  • Slower metabolism, which can contribute to weight gain and diabetes
  • Digestive and immune disorders, such as colitis
  • Lower cognitive performance, including memory and focus issues
  • Mood disturbances like anxiety and depression

In fact, studies have found that the weeks following a time change see an uptick in hospital admissions and certain chronic symptoms. A recent Stanford Medicine study found a connection between time changes and higher rates of stroke and obesity.

Teens and night owls may be particularly vulnerable because their natural sleep cycles already tend to skew later — meaning they miss out on valuable morning sunlight, which helps reset the body’s clock each day.

Mood Shifts and Seasonal Affective Disorder

It’s not your imagination — shorter days and darker evenings can make you feel down. The end of daylight saving time is linked to a higher risk of mood disturbances, including depression, anxiety, and even substance misuse.

For many people, the change triggers or worsens Seasonal Affective Disorder (SAD), a form of depression that occurs during fall and winter when sunlight is scarce. Symptoms include low energy, sadness, irritability, and difficulty concentrating.

Getting outside for natural light exposure early in the day — or using a light therapy box — can make a big difference in balancing your mood and energy.

Behind the Wheel: The Hidden Danger of Drowsy Driving

Driving after the fall time change can be surprisingly risky. The shift means darker evenings, more glare from headlights, and a general increase in driver fatigue. Our internal clocks take time to adjust, which affects alertness — especially during evening commutes. Darkness makes it harder to spot pedestrians, cyclists, and e-scooter riders, and to judge distances or speeds accurately.

According to a University of Colorado study, fatal car crashes increased by 6 percent in the week following the end of daylight saving time. The combination of fatigue, low light, and slower reflexes can be deadly. Facing an overnight shift during this time? Check out our safety tips for late-night driving.

How to Manage the Time Change

The good news? A few simple steps can help you adjust more easily and protect your sleep, health, and safety.

For better sleep:

  • Stick to a consistent bedtime and wake-up time — even on weekends.
  • Avoid napping during the day.
  • Skip caffeine, nicotine, and alcohol in the late afternoon and evening.
  • Eat lighter dinners and avoid spicy or heavy foods close to bedtime.
  • Try gentle yoga, stretching, or meditation before bed.
  • Keep screens out of the bedroom and make your space calm and comfortable.
  • Get outside in the morning for natural light — or use a light box if it’s still dark.

 For a safer drive:

  • Clean your windshield, mirrors, and headlights for optimal visibility.
  • Adjust your commute, if possible, to avoid driving when you’re most tired.
  • Turn on your headlights as soon as dusk hits.
  • Reduce your speed and increase following distance.
  • Know the signs of stress behind the wheel.
  • Make sure your vehicle is fully protected with the right insurance.

Enjoy that “extra” hour — but don’t underestimate its impact. Your body will thank you for a little extra care and consistency as you head into the darker months ahead.

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

 

Trick or Treat Safety for Kids, Pets and Homeowners

Trick or Treat Safety for Kids, Pets and Homeowners

Ghosts, goblins, and giggles — Halloween is one of the most magical nights of the year! Between the costumes, candy, and community fun, it’s a night made for memories. But even the most festive fright night needs a few safety tricks to keep the fun from turning into a scare. Whether you’re sending your little pumpkins out to trick-or-treat, wrangling a costumed pup, or decking out your porch for visitors, a little preparation goes a long way toward keeping the night safe and spooktacular.

Little Monsters on the Move (Kids’ Safety Tips)

 Keep your little ghouls glowing and grinning from door to door with these safety tips.

  • Shine bright! Choose bright, reflective costumes or add glow sticks, light-up accessories, or reflective tape so kids stay visible as they roam.
  • Double check the fit. Make sure costumes aren’t too long (no tripping hazards) and choose flame-resistant materials for extra safety.
  • Breathe easy. Skip the mask and go for nontoxic face paint — it makes it much easier to see and breathe.
  • Add ID. For younger kids, tuck a note with your name and phone number in a pocket, or write it discreetly on their arm — just in case you get separated.
  • Stick to sidewalks. Walk on sidewalks whenever possible, and cross only at corners — never between parked cars. Review safety around vehicles with your kids.
  • Make a plan. For older trick-or-treaters, set a route, a curfew, and some ground rules: stay in groups, visit only well-lit homes, and never enter a stranger’s car or house.
  • Inspect the loot. Once the candy haul is home, check for anything unsealed or suspicious, and watch for choking hazards for younger kids.
  • Think outside the block. Not sure about your neighborhood for trick or treating? Check out local mall events or community “Trunk or Treats” for a fun and family-friendly alternative.

Howl-o-Ween Ready (Pet Safety Tips)

 Halloween can be confusing for our furry friends — after all, strangers in costumes and ringing doorbells aren’t exactly normal! Help your pets enjoy the night, too.

  • Desensitize early. Let them see your costume ahead of time, especially if it includes masks or props. Try feeding them treats while you are in costume to get them accustomed to it.
  • Practice door knocks. Have family members or friends simulate trick-or-treaters so your pet gets used to the noise and the routine.
  • Create a safe space. Some pets prefer peace and quiet. Set them up in a cozy room with a radio or TV for background comfort during trick or treating hours.
  • Keep them secure. Whether it’s behind a baby gate, in a crate, or on a leash, make sure they can’t bolt out an open door, or get slammed by one.
  • Reflective is best. If your pet joins you outside, use a reflective leash. Add reflective tape to your dog’s costume or collar for extra visibility.
  • Ensure an adult is in control. Even if your child can manage your dog, they are not experienced in how to react should something go wrong.
  • Keep an eye on your pet’s mood. Your pet may act differently in a crowd of people with costumes, lights, noise and other stimuli. They may bite or scratch if they feel threatened. If they seem stressed, bring them home.
  • No candy, please! Chocolate and artificial sweeteners like xylitol are toxic to pets, so keep those treats out of paw’s reach.

Home Sweet Haunted Home (For Homeowners)

Your home is part of the Halloween magic—make it inviting and safe for trick-or-treaters!

  • Light the way. Replace any burnt-out bulbs, sweep away leaves, and clear your walkway of toys, bikes, or tools.
  • Flameless fun. Skip open flames in pumpkins and go for battery-operated candles or LEDs instead.
  • Decorate safely. Skip flammable décor like cornstalks or hay bales. They can ignite quickly from a warm bulb or stray spark. Choose safer materials to keep your spooky setup fire-free.
  • Mind the allergens. Avoid candies with peanuts or tree nuts and consider nonfood treats like stickers or small toys. Did you know that a teal pumpkin on your porch signals that you’re giving out nonfood items for those concerned about allergies?
  • Check your systems. Test smoke detectors and carbon monoxide detectors and ensure outdoor cameras and your security system are working.
  • Pool precautions. If you have a pool, make sure it’s well-secured and off-limits to curious ghouls. Not only could it pose a danger to them in their Halloween costumes, it could put you, as the homeowner, at risk.
  • Stay alert on the road. Driving during trick-or-treat hours? Slow down and keep an eye out for excited kids who may dart into the street.
  • Neighborly watch. If you won’t be home during prime candy hours, let a neighbor know so they can keep an eye out. Leave a bowl of treats in a well-lit area for passersby.

 Finally, know the Halloween horrors covered by your insurance policy. With a few thoughtful steps, you can make Halloween magical, memorable, and mishap-free. From all of us at California Casualty, have a safe and Happy Halloween!

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

 

Special Savings for Everyday Heroes

Special Savings for Everyday Heroes

This First Responders Day, we’re honoring the heroes who show up when it matters most. Whether you’re saving lives, protecting others, or offering comfort in moments of crisis, your courage inspires us all. To say thank you, companies nationwide are offering exclusive discounts just for you — special savings on everything from apparel and electronics to travel and dining, as a small gesture of appreciation for the incredible work you do every day.

Auto & Home: Everyday Essentials

Keep your ride running and your home protected with deals made for those who keep us safe.

Boutique Rugs: Enjoy 40% off as you upgrade your home décor.

California Casualty: Everyday heroes deserve savings every day. First responders get special rates on home and auto insurance.

Carid: Get 10% off auto supplies with your first responder ID.

iRobot: Save up to 15% on robot vacuums (because you deserve a clean house without the effort).

Lowe’s: Join MyLowe’s Rewards for exclusive perks and free Silver Key status.

Peloton: Enjoy special pricing on bikes and accessories to power your next ride.

Clothing: Find Your Style

From work and weekend wear to workout gear, these brands have your back.

Dickies: Get 20% off durable workwear built for the toughest jobs.

Frank and Oak: Save 10% on your next sustainable style find.

Jockey: Take 10% off comfy essentials you’ll want to live in.

Lululemon: Enjoy 15% off active wear to move, stretch and relax in style.

NFLShop.com: Cheer on your team with pride with 10% off your favorite gear.

Under Armour: Get 20% off performance wear made for champions.

Food & Dining: Tasty Deals

You’ve earned a break – and a great meal.

BJ’s: Get a discounted $25 membership plus a $10 reward.

Blue Apron: Enjoy 25% off your first order, making home-cooked meals even easier.

Home Chef: Take half off your first box, 10% off future boxes, free shipping on the first — and yes, dessert for life. Now that’s a sweet deal!

Outback Steakhouse: Receive a 10% Heroes Discount with your first responder ID.

Sam’s Club: Save 60% on a new membership for first responders.

Gear & Accessories: Cool Finds

Upgrade your everyday with discounts on gear that goes the distance.

Citizen Watch: Save 15% discount on precision timepieces built to last.

Gerber Gear: Enjoy exclusive pricing through the Pro Program, designed for first responders.

Ray-Ban: Stock up on sunglasses with a 15% discount

Stanley: Take 30% off their famous tumblers, bottles, and other durable products.

Vera Bradley: Enjoy special discounts on stylish bags and accessories.

Yeti: Receive excusive savings on coolers and drinkware through the ID.me program.*

*Over 400 other brands (like Costco, Vera Bradley, AudioBooks.com, Sunglass Hut, Tervis, and Reebok) have discounts for military and first responders on ID.me and sign-up is free.

Health & Wellness: Hero-Sized Care

Stay sharp, see clearly, and feel your best on and off duty.

Govx: Enjoy discounts on fitness, health, and nutrition at 24 Hour Fitness, Better Help, Mayhem Athlete, and Talkspace.

LensDirect: Save 20% on contacts and 30% on eyewear.

Peleton: Receive up to $600 off of equipment to help you perform at your best.

Perricone MD: Enjoy discounts on skincare to keep your glow as strong as your grit.

Shoes & Sneakers: Step into Savings

Walk, run or respond – these deals keep you moving in comfort.

Adidas: This company offers a 30% discount to first responders.

Asics: Enjoy exclusive discounts for first responders

Merrell: Save 20% on durable footwear built for adventure.

New Balance: Receive 15% off all your online purchases.

Nike: Get 10% off sneakers, apparel, and accessories.

Reebok: Enjoy 30% off your entire purchase as a thank you for your service.

Tech Time: Smart Deals

From sound to screens, save on the tech that powers your downtime.

Bose: Enjoy discounts on headphones, speakers, and more.

FirstNet and AT&T: Get savings on phones, plans and wireless services.

HP: Save up to 40% on select tech products.

Samsung: Take up to 30% off devices and electronics for first responders.

T-Mobile: Receive special discounts on cell phone plans.

Verizon: Get discounted pricing on wireless plans and Fios home internet.

Travel & Entertainment: Adventure Awaits

Take time to recharge – you’ve earned it.

Heroes Vacation Club: This club provides travel savings for police officers, firefighters, and first responders.

Hertz: Save up to 25% off on car rentals and earn up to 2% cash back.

Hotels.com: Get 8% off bookings for first responders.

Six Flags: Enjoy discounted admission at all parks for verified heroes.

Do you have a favorite first responder discount that’s not mentioned here? Share it in the comments – we’d love to add it to the list!

From all of us at California Casualty, thank you for your service and all that you do every day.

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

How do you know if you have mice?

How do you know if you have mice?

When the weather turns chilly, you’re not the only one looking for a warm place to stay. Each year, millions of homes become unwitting hosts to mice and other rodents seeking shelter from the cold. These tiny intruders can slip in through openings as small as a dime — often unnoticed until the telltale signs appear. From mysterious scratching in the walls to unexpected nibbles on food packages, here’s how to tell if you have mice — and what to do about it before they settle in for the season.

Why Mice Are a Problem

Mice might seem harmless, but they can cause surprisingly big problems. They chew through wires (creating fire hazards), gnaw on furniture, and even damage appliances. Beyond property damage, they can affect your health — contaminating food and water with saliva, urine, and droppings that can carry bacteria and viruses. Mice also transport unwanted hitchhikers such as fleas, ticks, and mites.

Though they rarely bite unless cornered, mice reproduce quickly. A single pair can produce up to 35 babies a year, turning a small problem into a full-blown infestation before you know it. Because mice are nocturnal and shy, you might not actually see them, but that doesn’t mean they aren’t there. Fortunately, they leave plenty of clues.

Signs That You Have Mice

Droppings

Mouse droppings look like small, dark grains of rice or chocolate sprinkles. You’ll often find them near food sources — under sinks, inside cupboards, in drawers, and along walls. Basements, attics, and utility rooms are also common hotspots. Finding droppings in multiple places usually indicates an active infestation.

Tracks and Smudge Marks

Mice travel the same paths repeatedly, leaving behind grease marks, footprints, and urine stains. To check for tracks, shine a flashlight or black light at a low angle along walls or behind appliances. You can also lightly dust areas with baby powder or flour — if mice are active, you’ll spot tiny footprints the next morning.

Chew Marks

Mice constantly gnaw to keep their teeth from overgrowing. Look for small chew marks on food packaging, wires, wood, or even plastic containers. If you find gnawed cords or frayed wires, unplug appliances. Replace them and/or call an electrician.

Nests

Mice build cozy nests close to food sources, usually in hidden areas such as behind ovens, refrigerators, dishwashers, or water heaters. A mouse nest looks like a messy pile of shredded paper, fabric, or dried leaves. If you find one, wear gloves and dispose of it carefully — then clean and disinfect the area.

Noises in the Walls

That faint scratching or scampering you hear at night might not be your imagination. Mice often make squeaking or rustling sounds as they move between walls, under floors, or inside cabinets. These noises are usually a sign that they’re gathering food or nesting materials.

Strange Smells

A strong, stale ammonia-like odor (similar to a baby’s diaper) is a classic sign of a heavy mouse presence. You might also detect a musty, musky scent near nesting areas. A sharp, pungent smell can indicate a dead mouse in a wall or vent.

Pet Behavior

Your dog or cat may notice mice before you do. If your pet seems fixated on a particular corner, wall, or appliance — especially at night — it might be reacting to movement or scent. Use a flashlight to inspect the area for droppings or gnaw marks.

Actual Sightings

Spotting a mouse darting across your floor is a clear warning. Mice typically stay hidden, so seeing one in plain sight often means others are nearby.

Allergic Reactions

If someone in your home suddenly develops unexplained allergies or worsened asthma, it could be triggered by mouse fur, droppings, or dander. In that case, it’s worth checking for other signs of an infestation.

How to Control a Rodent Infestation

Once you’ve confirmed that you have mice, it’s time to act.

Seal entry points.

Inspect your home for small gaps, holes, or cracks — around doors, windows, vents, pipes, and utility lines — and seal them with steel wool, caulk, or hardware cloth. Remember, mice can squeeze through spaces as small as a dime.

Eliminate food and water sources.

Store all food (including pet food) in airtight containers. Wipe up crumbs and spills promptly. Fix leaky pipes and don’t leave standing water in sinks or pet bowls overnight.

Choose traps wisely.

There are several types of traps, including snap traps, electronic traps, and glue boards. However, these are inhumane and cause unnecessary suffering. Live traps are a more compassionate option — just make sure to release mice far from your home so they won’t return You can also call a licensed exterminator for professional help, especially if the problem is widespread.

Clean thoroughly.

After removing mice, clean and disinfect any contaminated areas with a mixture of bleach and water (wear gloves and a mask). Dispose of droppings and nesting materials in sealed plastic bags.

How to Prevent Mice from Coming Back

The best way to keep your home mouse-free is through prevention:

  • Install door sweeps on all exterior doors.
  • Repair or replace damaged screens.
  • Add screens to chimney openings and vents.
  • Seal interior and exterior cracks with caulk or steel wool.
  • Keep storage areas organized and clutter-free — mice love hiding spots.
  • Store food, including pet food and birdseed, in sealed containers.
  • Empty garbage cans regularly.
  • Avoid leaving pet food out overnight.

You can also use natural deterrents to make your home less inviting. Mice dislike strong scents like peppermint oil, eucalyptus, white vinegar, and citronella. Soak cotton balls in these oils and place them near entry points or suspected nesting areas.

Mice are resourceful, fast, and surprisingly determined. But with a little vigilance and prompt action, you can stop an infestation before it gets out of hand. A proactive approach now will help ensure that the only guests settling in for the season are the ones you actually invited.

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

Fall Driving Hazards

Fall Driving Hazards

As the temperature drops and the leaves begin to fall, road conditions change in ways that can catch even experienced drivers off guard. Deer are more active, wet leaves can be as slick as ice, and shorter days mean more time driving in the dark. Here’s what to watch for this season—and how to steer clear of danger.

Watch for Deer on the Move

You’ll often see deer during dawn and dusk at the side of the road during the fall months. That’s when they’re foraging for food. Keep a sharp eye out near wooded areas and where deer crossing signs are posted. If you must stop, use your hazard lights to alert other drivers. A few tips to remember:

  • Deer travel in groups; if you see one, more are likely close behind.
  • Avoid swerving. Swerving can confuse the animal and cause them to run in the wrong direction. It also can put you in the path of oncoming traffic. Instead, slow down in a controlled manner and let the deer pass.
  • Know your insurance coverage. Damage from hitting a deer is typically covered by comprehensive insurance—not liability. Check to see if your policy includes it.

Beware of Leaf Trouble

Fallen leaves may look pretty, but they can cause more problems than you might think. Here are just some of the hazards.

Wet Leaves

When wet, leaves can be as slick as ice. They can also block roadside drains, creating puddles and hidden hydroplaning risks. make sure your tires are properly inflated to help maintain grip. If you drive over wet leaves and your tires lose traction:

  • Don’t slam the brakes. Ease off the gas. If you need to brake, use a light pumping motion.
  • Steer gently in the direction you want to go.
  • When you feel the tires connect with the road, you can proceed as normal.

Dry Leaves

Dry leaves and hot car parts don’t mix. Avoid parking over leaf piles. Your exhaust or catalytic converter can ignite them, even if the engine’s off. Also, keep leaves away from garages and undercarriages so there’s no chance that they can cause trouble.

Around Your Car

Leaves can clog air filters, radiators, and windshield gullies. Remove them regularly to prevent foul-smelling moisture buildup and potential damage to your car’s paint or electronics.

Hidden Potholes and Road Hazards

A thick carpet of leaves — or later, snow — can hide potholes, curbs, and lane markings. Drive cautiously and maintain extra distance from the car ahead. Slow down near leaf piles; kids sometimes play in them. And remember, some drivers are more focused on the foliage than the road, so stay alert.

Adjust to Early Darkness

When daylight savings time ends, you may find yourself driving home in the dark more often. Make sure your headlights and brake lights are working properly. Darkness also affects depth perception, so give yourself more space and time to react.

  • Drive at a speed where you can stop within your headlight range.
  • Use high beams when safe and dim them for oncoming cars.
  • Watch for pedestrians and pets, especially during dusk and dawn when visibility is lowest.

Reduce Sun Glare

The sun sits lower in the sky during fall, which means more blinding glare during morning and evening commutes. Keep sunglasses handy, use your visor, and clean your windshield inside and out — streaks and dust scatter light and make it harder to see. Replace your windshield wipers as needed. If glare is intense, slow down and increase your following distance.

Handle Fog and Frost the Right Way

Foggy and frosty fall mornings  reduce visibility fast. They can sneak up on your car’s windows as temperatures fluctuate. Don’t drive with foggy or icy glass. Use your defroster and a scraper or try a DIY de-icer (three parts vinegar to one part water).

  • If it’s foggy, engage your fog lights to increase visibility. Don’t use your high beams; they have the opposite effect — reflecting off the fog and temporarily blinding you.
  • Turn on your defroster or crack a window to balance temperatures and prevent your windshield from fogging.
  • Remember: frost on your windshield means it could also be on bridges and overpasses, which freeze first. Proceed with caution.

Keep an Eye on Tire Pressure

Cooler weather means lower tire pressure. For every 10-degree drop in temperature, tires can lose about one PSI. Low pressure affects traction, braking, and fuel efficiency, so check often and inflate your tires as needed.

Share the Road with School Buses

Fall also means back-to-school season. Be aware of how that impacts traffic safety and know the rules about school buses:

  • Yellow flashing lights: The bus is preparing to stop.
  • Red lights and extended stop arm: The bus has stopped for children.
  • Always stop — never pass. Watch for kids crossing the street or walking near the bus and remember that visibility is lower in early morning and late afternoon light.

Don’t Forget Your Insurance

Even the most cautious drivers can’t prevent every accident. Make sure your auto insurance is up to date so that you have peace of mind when the unexpected happens.

Safe travels this season!

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.