raleigh
Matt -- Nice bike. Get yourself a good multi-tool, like the Crank Brothers or Park. You can get nice ones for about $20, and they will have just about everything you need to make basic adjustments on your bike. Most of the components on bikes are adjusted with Allen wrenches, so make sure you tool has a good assortment of sizes. Be careful not to over-torque the bolts when you tighten them.
There are lots of good rear racks available. Does your frame have mounts for attaching a rack? That makes a big difference on what brand/model of rack you buy.