Cash Meow-side

The great outdoors – it’s not just for Fido anymore. Head to adventurecats.org, where you’ll find a whole community of folks dedicated to taking their feline friends outside. You’ll find tips on how to take your cat hiking, camping and surfing (yes, surfing!), as well as sections on leash training and safety. You can also order the “Adventure Cats” book, which is chock-full of pawsome kitties and has the best subtitle ever: “Living Nine Lives to the Fullest.”

That’s So Sketch

You can browse through more than 41,000 artists’ sketchbooks from across the globe at the Brooklyn Art Library. The space is the physical home of The Sketchbook Project, where anyone – regardless of his or her artistic talent – can order a blank sketchbook, fill it in and then mail it back for inclusion in the library. A sketchbook costs $30; $65 adds it to the online collection as well.

Serving Tea at 38,000 Feet

Virgin will launch its first Pride Flight June 28 from London to New York City to celebrate World Pride 2019 and the 50th anniversary of the Stonewall uprising. It will be staffed by LBGT pilots and crew, hosted by actor Tituss Burgess (above, center) and feature drag-queen bingo, a Judy Garland singalong and speed dating. We’re sure it will be fierce.

Experience the majesty of the Colorado Rockies, Colorado national parks and two historic trains that celebrate the can-do spirit of the Old West with the Colorado Rockies Featuring National Parks & Historic Trains vacation package by AAA Vacations.

On your trip you will marvel at the diversity and splendor of Arches and Canyonlands National Parks, discover the ancient culture of the Anasazi Indians at Mesa Verde National Park and have the chance to relish cowboy culture in an evening of authentic dining and entertainment. Train day trips like scaling Pike’s Peak on the world’s highest cog railway and climbing aboard an 1881 steam train for a journey through the San Juan Mountains round out the trip.

Contact a AAA travel counselor today.

Whether you are booking with AAA Vacations or planning a trip on your own, the following places and experiences are considered tour highlights.

Welcome to Denver

Your tour opens in the “Mile High City” of Denver, home to the famous 16th Street Mall.

Denver – Rocky Mountain National Park – Grand Junction

Travel to Rocky Mountain National Park to discover the true meaning of “panoramic.” Among the most celebrated of Colorado national parks and one of the largest in the United States, it offers views of massive peaks and rugged canyons. On the way to Grand Junction, enjoy a glorious ride past Vail, Breckenridge and other famous ski areas in Colorado.

Grand Junction – Arches – Canyonlands – Grand Junction

 One amazing park visit follows another. In Arches National Park, see the world’s largest concentration of natural sandstone arches as well as an astounding variety of geological formations. Next, arrive at Canyonlands National Park and travel to the Island in the Sky mesa, which rests on sheer sandstone cliffs over 1,000 feet above the surrounding terrain.

Grand Junction – Colorado National Monument – Grand Junction

 Visit one of the grand landscapes of the American West – Colorado National Monument. Travel along the Rim Rock to see a colorful panorama of deep, sheer-sided canyons and high rock towers. Later on you’ll journey to Colorado’s wine country to learn about one of the region’s up-and-coming vineyards. At family-owned vineyard, a family member will take you on a private tour to see the process up-close. Then sit down to a winemaker’s dinner to hear stories of the vineyard, the wine they produce and the life of a winemaker.

Grand Junction – Silverton – Durango

 Drive south to the small mining town of Silverton, a National Historic Landmark. Hidden high in the San Juan Mountains, this town blends spectacular scenery, Victorian charm and historic architecture. Then it’s “all aboard” the Durango & Silverton Narrow Gauge Railroad. This 1881 coal-fired, steam-powered locomotive was built to haul silver and gold ore from the San Juan Mountains, but it is the view that is truly precious.

 Durango – Mesa Verde National Park – Durango

An incredible day waits at Mesa Verde National Park, best known as the home of the ancient and mysterious Ancestral Puebloan civilization. Visit the fascinating Spruce Tree Cliff Dwelling to see one of the largest and best preserved cliff dwellings built between 1211-1278 by this fascinating Native American culture.

Durango – Colorado Springs

 Enjoy a relaxing ride to Colorado Springs. En route, marvel at the scenery as you depart the San Juan National Forest and pass through the beautiful Rio Grande National Forest, a vast expanse of wilderness.

Colorado Springs – Manitou Springs – Colorado Springs

 Depart for Manitou Springs, home of Pikes Peak – the legendary symbol of the 1859 Gold Rush. Embark on one of the most memorable train day trips you’ll ever go on aboard the Pikes Peak Cog Railway, the world’s highest cog railroad. During the journey you will see magnificent views and perhaps animals in their native habitat. Later, travel to the Garden of the Gods, on the National Register for Historic Places, to see the towering sandstone formations and enjoy a wonderful view of Pikes Peak.

Colorado national parks with AAA Vacations

AAA Vacations offers vacation options that fit your travel style. Choose guided or independent itineraries, let a local host show you the way, or take AAA’s suggestions for ocean and river cruises. Packages include meals, guided tours, nightly accommodations, baggage handling and round trip airport transportation. And AAA members save even more.

Learn more about this exciting trip. 

Click here or visit your nearest AAA branch to learn more about AAA vacations. 

Norwegian Cruise Line is a Bermudian company with a 50-year history in cruising. The company prides itself on pushing the envelope to give their passengers the very best in accommodations, dining, entertainment and amenities.

The ships

Norwegian Cruise Line has 16 ships, divided into six classes, which differ based on size of the ship, layout and amenities.

Breakaway Plus: Norwegian Bliss, Norwegian Escape

Breakaway: Norwegian Breakaway, Norwegian Getaway

Dawn: Norwegian Dawn, Norwegian Star

Epic: Norwegian Epic

Jewel: Norwegian Gem, Norwegian Jade, Norwegian Jewel, Norwegian Pearl

Sun: Norwegian Sky, Norwegian Sun

There is also the Pride of America, which sails through Hawaii; the Norwegian Spirit, which sails multiple destinations; and the Norwegian Joy, which travels through Asia.

On top of select ships is the Haven, Norwegian’s most luxurious and expansive accommodations. Haven passengers have access to the entire ship, as well as spacious suites, 24-hour butler service, a sundeck reserved exclusively for them, and a private lounge and restaurant. You will also skip the lines and be personally escorted on and off the ship at the pier and at ports-of-call, concierge service to book your dining, entertainment and shore excursions, nightly turndown service and more.

For guests traveling on their own, Norwegian’s studio staterooms are an industry-first, providing solo cruisers award-winning staterooms, access to a private Studio Lounge so studio guests can meet up with one another. This is available on Norwegian Epic, Norwegian Breakaway, Norwegian Getaway, Norwegian Escape, Norwegian Bliss, and Pride of America.

Destinations

Norwegian cruises travel to Asia, Alaska, Australia & New Zealand, Bahamas, Florida, Bermuda, Canada & New England, the Caribbean, Cuba, Europe, Hawaii, Mexican Riviera, Pacific Coastal, Panama Canal, South America and more.

Norwegian also offers a variety of land and sea packages so you can spend additional time on shore at your chosen destination.

Themed cruises

NCL cruises offers themes focusing on everything from Pitbull and Impractical Jokers to “Star Trek” to singles-only trips.

Things to do

Norwegian cruises have a variety of family-friendly activities for kids of all ages, including sports, arts and crafts, cupcake decorating and more. In addition, there are babysitting services onboard for kids six months and up, so mom and dad can enjoy some “adult time” while the kiddies are being well taken care of.

Of course, what would a cruise be without time at the pool? NCL cruises have swimming pools, waterslides, hots tubs and even splash parks. Breakaway Class ships have Free Fall, the fastest drop slides at sea, while the Norwegian Epic has the Epic Plunge, 200 foot slide. There is also a Kids’ Aqua Park, and Spice H2O for adults-only.

NCL’s fleet has award-winning casinos with more than 2,800 slots and nearly 200 table games combined. You can even join a tournament onboard. And when you’re ready to relax, pay a visit to the spa for a treatment, or simply sit in the sauna.

Entertainment

NCL cruises feature Broadway-caliber shows such as “Rock of Ages” and “After Midnight.” There’s also live music, illusionists, variety shows, dance performances and comedy routines. Guests can also experience a unique dining experience when they watch a brilliant performance of “Cirque Dreams” during dinner.

Want to be a part of the show? Passengers can participate in some of the entertainment through live versions of “Deal or No Deal” and a murder mystery.

Excursions

Norwegian will help you book excursions at your location up to two days before you set sail. Just some of the activities available include surfing in Hawaii, dogsledding in Alaska, scuba diving in Belize, visiting crocodiles in Australia, bike through Athens and more.

Dining

All Norwegian Cruise Line ships offer complimentary dining in up to three main dining rooms, a self-serve buffet, several casual cafes, grills and grab-and-go choices and the popular O’Sheehan’s Neighborhood Bar & Grill.

Guests can also enjoy specialty dining. There are options to please every palate, including steakhouse, French gourmet, Italian, churrascaria and more (depending on the ship.) Passengers can enjoy all specialty dining options for one price, which varies on how long your cruise is. Gratuity and specialty service charges will be added at time of purchase.

Alcoholic beverage packages, soda packages for adults & teens and bottled water packages are also available.

NCL cruise pricing

The price of a Norwegian cruise depends on the destination and the length of the cruise. For example, a seven-day cruise to the eastern Caribbean (leaving from Miami) starts at $449 per person, while a seven-day Mediterranean cruise leaving from Rome starts at $799 per person.

NCL deals

A AAA travel agent will have access to the latest deals on NCL cruises, but you can also research them on your own with AAA.

Have you ever been on an NCL cruise? Let us know in the comments.

Looking for things to do in Philadelphia, Pa.? The City of Brotherly Love is known for its wealth of Colonial treasures, including the Liberty Bell, Independence Hall, the Betsy Ross House and many others, but it also has plenty more to do and see. Explore its many museums, take a bike ride along Schuylkill River and dine in its farm-to-table restaurants helmed by creative young local chefs – and, of course, you can’t leave town without trying a Philly cheesesteak.

Here are some of the coolest things to do in Philadelphia, Pa.

1.

The centrally located Independence Hall – on Chestnut Street, between 5th and 6th street – is a great place to kick off your visit and one of the top things to do in Philadelphia, Pa. Take a tour of this historic redbrick building, which is the birthplace of both the Declaration of Independence and the U.S. Constitution. Access is by timed ticket only March through December. Same day tickets are free and are available at a visitor center the day of your visit. Advance reservations can be made for a $1.50 handling fee per ticket. Another Revolutionary-era site of note is the Liberty Bell. It’s not known when or how it got its famous crack, but you can see it for yourself on a free tour and learn more about it through a variety of exhibits at Liberty Bell Center. The Betsy Ross House, where the first American flag – commissioned by George Washington – was supposedly sewn, is about a 10-minute walk from the center. Visitors can hear Betsy’s stories on an audio tour then meet a costumed interpreter playing the legendary seamstress herself. All of these sites are good options for Philadelphia day trips.

2.

Stop by city hall for an eagle-eye view of the top things to do in Philadelphia, Pa. Visitors can enjoy views from an observation deck about 500 feet above the ground, just below an iconic statue of William Penn.

3.

The Philadelphia Art Museum may be best-known for its iconic steps used during unforgettable training montages in “Rocky” and “Rocky II,” but it’s pedigree extends far beyond the flight of a fictional boxer. The museum – founded in 1876 – has a collection totaling more than 240,000 objects including paintings, sculptures works on paper, armor, costumes and textiles from Asia, Europe and the U.S. Visit on Friday nights for live music. If all this somehow isn’t enough to satisfy a ravenous art appetite, check out the Barnes Foundation. Housed in a spectacular contemporary building, the Barnes Foundation is known for its world-class collection of Renoirs, Cezannes and other impressionist masterpieces. It’s home, for example, to nearly four dozen works by Picasso, and it’s one of the top things to do in Philadelphia, Pa.

4.

The Philadelphia Zoo is said to be the first zoo in the country, and a perfect option for planning Philadelphia day trips. The 42-acre site is home to roughly 1,300 animals, some of which roam the facility via Zoo360, a campus-wide network of see-through trails that provide animals a chance to roam around and, in some cases, above, zoo grounds.

5.

Enjoy a casual lunch at the Reading Terminal Market, one of the country’s oldest public markets and a top-notch choice when considering things to do in Philadelphia. Join the lines at DiNic’s to sample its best-selling Italian roast pork sandwich – delicious!

6.

Take a guided bike tour around town with the Philly Bike Tour Company. One of the most popular offerings is its two-hour River Loop Tour, which takes riders along the Schuylkill River Trail. It’s a great way to spot additional options for the top things to do in Philadelphia, Pa.

7.

One of the top things to do in Philadelphia, Pa. – and one of the city’s unique experiences – is to take a tour of the Eastern State Penitentiary, an imposing castle-like former prison that once counted Al Capone as an inmate. Visitors can learn about the facility’s extensive history via a self-guided audio tour. The penitentiary also offers hands-on history lessons where guests can learn how to open cell doors or the massive front gate. The site is reportedly haunted, and a spectacularly spooky setup in October gives some credence to the myth. Terror Behind the Walls transforms the penitentiary into a one-of-a-kind haunt with multiple attractions set up among the cellblocks.

8.

Dine at Vernick Food & Drink, a small plates hotspot in Rittenhouse Square and Vedge, a vegetable-based restaurant from chef-owner Rich Landau, a former winner of Food Network’s “Chopped.”

9.

Have a drink in City Tavern, on South 2nd Street, which dates back to 1773. Its sells craft ales from Yards Brewery Company, including George Washington’s Tavern Porter and Alexander Hamilton’s Federalist Ale.

10.

Pat’s or Geno’s? Though there are plenty of places to get a Philly cheesesteak, these two spots (across Easy Passyunk Avenue from each other ) are constantly battling to see who’s best. Try both and see which one you’d recommend to others looking for things to do in Philadelphia, Pa.

Know some more fun things to do in Philadelphia, Pa.? Let us know in the comment section! 

Looking for a variety of great lodging options in the area? Find and book great hotels in Philly. Call 1-800-873-8283 to speak to a AAA travel counselor today or click here.

The nature, the history, the grandeur – the American frontier is just as captivating to us now as it was to the pioneers moving out west in search of a better living. Between the scenic views and Wild West legacies, there’s something to make everyone don a Stetson and shout “yee-haw!” Saddle up and ride ’em out to experience America’s cowboy country for yourself.

The Natural Wonders

Yellowstone National Park

If you’re searching for stunning views of native wildlife, look no further than Yellowstone. This national park spreads across three states – mostly Wyoming, spreading into Montana and Idaho – covering 3,472 square miles. It’s the world’s first and oldest national park.

Home to more than 200 animal species, many tourists travel westward to gaze at grizzly bears, bald eagles, bison, moose, elk, wolves, horses and more, all roaming freely in their natural habitats. Plan your visit between April and early June to view some cute youngsters learning how to walk. And you won’t want to miss the timely eruptions of trusty Old Faithful geyser, shooting water upward of 100-180 feet in the air approximately every 74 minutes.

Grand Teton National Park

The breathtaking landscapes of Grand Teton in Wyoming continue to draw tourists year after year. The meadows and lakes provide a relaxing and awe-inspiring view, while the granite mountains rising dramatically in the distance complete the scene. This lush landscape is the perfect stop for some much-needed peace and serenity.

Custer State Park

This South Dakota state park’s main attraction is its vast herds of roaming North American bison, one of the greatest endangered species success stories. Nearly 1,500 bison call the park home, and are often seen grazing or thundering through the grasslands. It’s been named one of the world’s top 10 wildlife destinations, so be sure to bring your camera for some stunning photo opportunities.

Badlands National Park

The Badlands stands apart from its other national park brethren. Its 244,000 acres in South Dakota are mixed grass prairie littered with pinnacles, buttes and spires formed by natural erosion. The formations are picturesque in their colorful sedimentary layers, presenting hues of purple, yellow, orange, red and more.

Although the landscape may seem desolate a wide variety of species call the Badlands home, including coyotes, prairie dogs, vultures and the rarely seen black-footed ferret. One of the greatest fossil beds in the world calls this national park home. Skeletons of saber-toothed cats, three-toed horses and other ancient creatures are uncovered often.

The Man-Made Marvels

Mount Rushmore National Memorial

This South Dakota memorial serves as a symbol of American freedom and democracy. Hailing Presidents George Washington, Thomas Jefferson, Theodore Roosevelt and Abraham Lincoln, this magnificent view reminds Americans of the trials and tribulation it took to move the country towards the future. Take in an up-close view on the memorial with a walk along the Presidential Trail through the beautiful Black Hills, surrounded by forests and streams.

Crazy Horse Memorial

Rising 6,532 feet above sea level, this mountain memorial in South Dakota pays homage to Crazy Horse, a member of the Lakota tribe who died fighting for his people. The memorial is the world’s largest mountain carving. Begun in 1948, the sculpture will be 641 feet long and 563 feet high when it’s finished. Along with this mountain legacy, the Indian Museum of North America and the Native American Educational and Cultural Center feature a variety of historic items and tell the story of this culture.

The Western Towns

Jackson Hole

You’ll be sure to connect with your inner cowboy in Jackson Hole, Wyo. There’s nothing more “cowboy” than a classic trip to the rodeo. The Jackson Hole Rodeo has been held on summer nights for the past 120 years, and the bucking broncos and bull riding completes the Wild West experience. The town square offers shopping, boutiques, restaurants, art galleries and live entertainment, as well as seasonal festivals and events. Keep an eye out for the stunning elk antler archways at each of the four main entrances; huge archways are built from stored elk antler sheds collected by the National Elk Refuge, periodically torn down and rebuilt when necessary.

Deadwood

Historic Deadwood was spawned during the U.S. gold rush. The South Dakota city began as a gold mining camp after gold was discovered in a nearby creek, near a gulch full of dead trees, hence the town’s name. Many legends of the Wild West are rooted in Deadwood, including Calamity Jane, Al Swearengen and Seth Bullock. Now, the town is known more for its rich history than its lawlessness (thankfully) and there are plenty of museums and landmarks to explore.

Cody

Thanks to Buffalo Bill and his unique herding skills, Cody, Wyo., is known as the rodeo capital of the world. Summer nights welcome the Cody Nite Rodeo, along with other annual rodeo events. Trek over to a day ranch to channel your inner cowboy and learn to rope or play a classic game of horseshoes. The Buffalo Bill Center of the West provides an exploration of the history, culture and nature of the American West. And, of course, the outdoor recreation possibilities are limitless.

Rapid City

While this modern South Dakota city doesn’t exactly classify as an old Western town, it certainly has plenty of sights to see and places to explore. Dinosaur Park is a popular attraction for children and adults alike, where life-size replicas of prehistoric reptiles “roam” the land. The Cleghorn Springs Fish Hatchery and Visitors Center provide an educational experience to tourists on how coldwater fish are raised and released for anglers to catch. See life-size bronze statues of past American leaders in the City of Presidents while shopping or dining downtown. Rapid City has something for everyone, whether you’re looking for your next outdoor adventure or want to brush up on your history.

Have you been to any of these historic sites? Tell us in the comments!

Say “Howdy” to the American frontier with the Cowboy Country itinerary from AAA Member Choice Vacations. 

It only takes a tiny bug to spoil a wonderful trip – and possibly cause lifelong health problems. Here are a few types of infections you should work to prevent while traveling.

Insect-borne infections: Malaria, Zika virus, West Nile virus and dengue are transmitted via mosquito bites. Malaria is mainly found in sub-Saharan Africa and South Asia. Zika is mainly transmitted in parts of Africa, Asia, the Caribbean, Central and South America and Mexico. Cases of West Nile virus have been reported throughout the continental U.S., and dengue is the leading cause of illness and death in the tropics and subtropics. Lyme disease and Rocky Mountain spotted fever are among those transmitted by ticks – in the U.S. and abroad.

To protect yourself against insect bites, use an insect repellant containing DEET or picaridin on all exposed skin, wear long-sleeve shirts and long pants – especially at dusk – and sleep only in screened areas. If you are traveling to an area where malaria is prevalent, you’ll also need to take preventive medication.

Food- and waterborne infections: Norovirus, salmonella, E. coli and Campylobacter can all lurk in food that is undercooked or has been contaminated during preparation, or from contaminated water. On the water front, tap water, fresh-squeezed juice, ice and fountain drinks can be risky in certain parts of the world.

Cook it, boil it, peel it or forget it is a basic guideline for safer eating, and bottled water is recommended in many parts of the world. The excellent “Can I Eat This?” app from the Centers for Disease Control and Prevention lets you search by country, source and type of food or drink to guide you to a safe meal.

Airborne infections: In transit and when you arrive, your travel will bring you into contact with lots of new people. That means you could also be exposed to many different types of infections.

A good pre-travel practice is to see your doctor for any vaccines you might need at least six weeks before your trip. These could include a flu shot or Tdap booster, or a vaccine against a disease that’s prevalent where you’re headed, such as hepatitis, typhoid or yellow fever. You should also take practical steps such as washing your hands frequently and keeping your distance from people who are ill.

You can also visit www.cdc.gov/travel for a wealth of additional information that will keep you healthy wherever you roam.

Just like the lions and leopards she observed in the wildlife reserves of Kenya, Sue Cordeira’s desire to travel remains untamed.

Until about three years ago, she had not been far from her Dartmouth, Mass., home. For the previous eight years she had cared for her paralyzed husband and travel was too difficult. When he died in February 2016, she wanted to get away. She started at her nearest AAA branch. From there, she was off to Italy two months later.

Next was the U.K., then Costa Rica, Africa, Japan, U.S. national parks and the Pasadena Tournament of Roses Parade, all on tours she booked with AAA. One trip has led to another. She chose Costa Rica while on a tour of the U.K., because of a promotional video. She chose Africa while in Italy, because she saw another traveler’s photos. So far, the Kenyan safari has been her favorite.

She’s intent on seeing the world while she is still young – 54 years old.

“It’s important for people not to wait until retirement or until the kids are out of the house. Don’t wait until you’re too old to do it,” she said.

Some of the world’s most worthy destinations require physical endurance. She’s set out in the wee hours and settled in very late at night to spot exotic animals in Kenya, climbed steep terrain in Costa Rica and zip lined through its lush jungles.

She encourages others to follow her lead: “Go where you want to go. If it’s on your bucket list, just do it.”

Being Part of the Experience

Cordeira has danced with Masai women in Kenya, stood almost side-by-side with an elk at the Grand Canyon and had a conversation about the Red Hot Chili Peppers with an umbrella salesman in Japan.

“That, to me, was the little experience that made the trip more memorable,” she said.

She believes immersing oneself in the culture of a destination is the best way to travel, and the tours she’s booked through AAA give her ample opportunity to do it.

In Africa, she was a welcomed guest at a Masai village.

“They live in mud huts, but they’re proud to show you their homes,” she said. “We tend to think they have very little, but we all want the same thing – to be happy – and they’re happy living their lives the way they do.”

It was also in Kenya that she ate barracuda – “It tastes like swordfish” – and goat curry – “there’s a lot of Indian influence there.” She was sprayed with muddy water by a baby elephant and licked across the face by a giraffe.

In Japan, while touring the Matsumoto Castle, she met a 15-year-old Japanese girl (now 16) who wanted to practice writing English. She asked if she could write to Cordeira in the United States.

“Now, I have a pen pal in Japan,” Cordeira said. “We write to each other about once a month.”

Traveling Solo – Sort Of

Cordeira has set out to see the world on her own, but still appreciates the company that comes with a group tour.

She’s been a solo traveler on all seven tours she’s booked through AAA since April 2016.

“People on tours welcome you. There are always people who want to scoop you up and bring you with them,” Cordeira said. “It’s a safe way to travel if you’re alone. People, especially women, should not be afraid to go alone.”

Cordeira has kept in contact with a few people she’s met along the way – fellow travelers, tour guides and her Japanese pen pal.

She said that, as a solo traveler, she develops a relationship with the people running the tours more so than other travelers, which allows for more customized experiences.

To be fair, Cordeira has taken trips completely on her own, too. She had just returned from Seattle early last fall when I caught up with her.

On an unusually clear day at the Space Needle’s observation deck, she was able to see Mount Rainier, about 67 miles away.

She admired the brilliant displays at the Chihuly Garden and Glass museum on her own. She visited Pike Place Market and delighted in some of the city’s quirky landmarks, like the Gum Wall, the Fremont Troll and Waiting for the Interurban, to name a few.

If you don’t know what those are, you really should visit Seattle.

Volcanic Vineyards

A familiar aroma can have the amazing power to transport you to another time and place.

For Cordeira the scent of roses is linked to a vineyard at the base of Mount Vesuvius.

She’s seated outside. Before her, a tabletop of painted tiles is set with handcrafted pottery, and neat rows of grape vines form an expansive backdrop. Rose bushes at the end of each row bloom in earnest – a good sign for the coming harvest.

The roses gauge the quality of the crop, Cordeira said. “If the rose bush is dying, you know you have to do some adjustment to the soil, or else your grapes were going to die as well.”

The vineyard owner prepared a simple lunch of the freshest ingredients.

“Everything was from within that neighborhood,” Cordeira said. “The tomatoes for the sauce were from the guy down the street, the cheese was from the guy who had cows.”

Each dish was accompanied by a selection from the winery that is distinct for its grapes grown in the same ash that buried Pompeii in A.D. 79.

This is one of the lingering memories from Cordeira’s trip to Italy.

She cherished the close of each day, when she gathered with friends on a hotel balcony overlooking the Tyrrhenian Sea for snacks and the transfixing glow the sunsets cast on the colorful buildings hugging the cliffside.

It’s All Ancient History

On the tour of Rome and the Amalfi Coast, Cordeira visited the Vatican and the Sistine Chapel, the Colosseum, Pompeii and other notable historic places, and in between savored many delicious meals.

She was awed by the ancient architecture. “We tend to think of living in our area, going to Boston, that the buildings are very old,” Cordiera said. “Here, we’re talking 250 years ago; in Italy, we’re talking 2,000 years.”

“It’s crazy. When you’re at Pompeii, and you’re walking the grounds, and you look down at the rock roads, you can see the ruts from 2,000 years ago when the chariots went through,” she said.

She admired her surroundings not only for the history but for the beauty: the exquisite architecture of basilicas built with different colors of marble, intricate mosaics made up of many tiny tiles and awe-inspiring paintings, sculptures and other art.

Happy Cows Make Mozzarella

Happy cows are hilarious. Just ask Cordeira. They also produce more milk.

Those were some insights she gathered during a visit to a mozzarella factory in Italy where the Italian Mediterranean buffalo are so well taken care of that they actually have a spa.

“It’s funny as heck the way they designed it,” she said. “It’s not like a spa we think of. They have these areas of hay like mattresses where the cows can lie down. They have these big roller brushes that constantly rotate, so you will see a cow go over and get a back rub from the brush.

“They’re not forced to be milked. They’re not forced to do anything,” she said. “The cows know where to go to be milked, but they go when they want to go.”

Now she knows the secret behind the mouthwatering mozzarella she savored during many meals in Italy, along with the fresh pasta and produce that made up every delectable dish.

To Live Like the Romans

Cordeira wishes she could bring more of Italy’s lifestyle to the United States.

Italy is beautiful not only for the remains of ancient civilization, ornate architecture, exquisite art, breathtaking vistas and delicious cuisine. Its people and way of life are beautiful as well.

For Cordiera, there was no better example than the piazzas she strolled through during down time.

“You have this expansive area with gorgeous marble fountains and people walking around having gelato, or a slice of pizza, or grabbing an espresso, or sitting out at a restaurant having lunch with friends,” she said. “I wish we had more spaces like that, where you go with a community and hang out.”

Or be by yourself amid it all – sitting at the edge of a fountain reading a book, or, again, savoring gelato.

“The gelato was fantastic, very fresh. If you got something like a peach gelato, you felt like you were eating a fresh peach,” Cordeira said. “Things can be just simply done there but taste delicious because of the fresh ingredients.”

It was the same for the pasta she enjoyed at many meals. One of her most memorable dining experiences was at a place she deemed “a little touristy,” with strolling opera singers and a performance stage.

Given three choices of pasta dishes, she chose clams in red sauce. “If it’s pasta and clams, then that’s probably what I’m going to get, because that’s what I like.”

It was followed by a cake for dessert and cookies brought to the table, “and, of course, there was wine with everything.”

Amazing Africa

When the sun sets in vivid reds, yellows, oranges and colors you can’t quite describe across a vast horizon untouched by humans – that’s nirvana.

When you’re at peace amid the cacophony of wild animals – the screech of monkeys, the trumpet of an elephant, the roar of a lion – that’s paradise.

When you first spot one of the magnificent creatures of the African plains, “it’s like nothing you know,” according to Cordeira.

“Your heart starts beating faster, and you take a deep breath,” she said. “To see that first elephant come into view, you say, ‘oh my gosh. I can’t believe I’m seeing this.’

“I’m not religious, but I found it to be a very spiritual vacation,” Cordeira said about the safari tour of Kenya she booked through AAA.

Over the course of 15 days, Cordeira and a few others switched accommodations often between various reserves, each with a unique habitat, some lush and others dry.

They set out in small safari vans almost every morning and every evening, when the animals were most active.

“You’re in the safari van and the top pops up. Sometimes an elephant would be just 15 feet away,” she said.

Each surrounding offered an opportunity to see a particular species. “There’s only one reserve where you are going to see Grevy’s zebra,” the largest and most threatened of three types, she said.

No matter where they stayed, they were amid exotic animals. “It wasn’t unusual to see monkeys outside your door, baboons, warthogs … all running around. I’m sitting on my porch watching all of this going on.”

These are just some of the precious moments Cordeira will never forget.

Getting Ready for Safari

Packing was the hardest thing Cordeira had to do for her Kenyan safari vacation.

“We were allowed to bring only a 35-pound duffle bag,” said the AAA member from Dartmouth. “I suggest bringing sneakers or a comfortable pair of shoes that you don’t mind getting dirty – or even throwing away. I brought five outfits and hand-washed them as we went along.”

She needed clean clothes pretty often.

At the David Sheldrick Wildlife Trust elephant orphanage in Kenya, where she could touch elephant calves as they were bottle-fed, she underwent an “elephant baptism,” when she was doused with muddy water thrown from one animal’s trunk. She accepted it with the faithfulness of a true animal lover.

Animal Encounters

What was it like to pet an elephant? Kind of like petting a baked potato, according to Cordeira. That’s how she described the feel of their gray, dry, rough skin.

She saw elephants in their natural environments, too.

“I was amazed at how silent they are. For as big as an elephant is, the way they walk, they can sneak up on you,” she said.

Cordeira and the small group she was with on an African safari tour traveled in search of wildlife and reveled in their discoveries. With the help of expert guides with keen eyes, they spotted the continent’s elusive Big Five – lion, leopard, rhinoceros, elephant and cape buffalo – within the first three days of the trip.

When she heard a male lion’s roar as its pride settled for the night, “you could feel it in your chest.”

And, at a giraffe sanctuary, where she was able to feed the “majestic” creatures, one bent its long neck toward her and licked her across the face.

“I kissed a giraffe – and I liked it,” she joked.

Polite and Tidy in Tokyo

Cordeira has been to quite a few cities around the world in recent years – Rome, Paris, London, Nairobi and Seattle, to name just a few. Although each was beautifully unique, some things were the same: litter, unpleasant odors and loud, busy people with little regard for those around them.

That’s why, when she first stepped onto the streets of Tokyo, she was struck by how clean the city was, and its people so polite.

“You do not see a cigarette butt or gum on any street or sidewalk,” the AAA member from Dartmouth, Mass., said. “It’s part of the culture. They consider throwing trash on the ground offensive. … For as busy a place as it is, it’s not like being in New York City or Boston or any other city, because you don’t hear the blaring traffic, horns beeping, drivers swearing at other drivers … it’s just an incredibly polite society.”

It was the same on every stop she made during a 15-day tour of Japan from Tokyo to Kyoto. It was April, she could walk amid the famously gorgeous cherry blossoms, but that was a side attraction to many wonderful cultural experiences.

In Tokyo, she visited the geisha district and the ancient and architecturally stunning temple Senso-ji, the Imperial Palace and the Kokyo Gaien National Gardens. She was an honored guest at a Chado Tea Ceremony, which she considers one of the best parts of the trip.

“The host of the ceremony chooses the artwork he wants to display based on who’s coming to visit. He chooses the bowls he will use to prepare the tea, depending on who’s coming. He chooses the sweets that are going to be served based on the time of year,” Cordeira said, noting that it was spring, so everything was light and refreshing. “They want to make sure you have a beautiful experience. It’s done with a lot of thoughtfulness, a lot of mindfulness.”

It was far from the only beautiful experience she had in Japan.

Other highlights included the culturally fascinating fish markets, the impressive face of Mount Fuji, and most of all, the food. No matter where she went, no matter what she ate – from sushi to skewered chicken and Hida beef – the food was carefully prepared and artfully presented.

“Oh my god, the food – that was the best part of the vacation,” she said.

A Trip to Suit Her Tastes

If you’re one of those people who likes to take pictures of your food, you’d be very happy in Japan.

Cordeira’s scrapbook of her vacation there last March is filled with such photos.

“Anything you get, I don’t care which restaurant you go to, it’s beautifully prepared and beautifully presented,” she said. “It looked like artwork. You don’t want to eat it – it looks so beautiful.”

But she did eat, and she savored every delicious bite.

She was already a fan of sushi and sashimi when she booked the trip with AAA, and those dishes lived up to her expectations. Other regional specialties that she sampled on a tour from Tokyo to Kyoto were unexpected.

“One night we were in Hiroshima, and they have these little okonomiyaki places all over the place. It’s basically these pancake-like things. They put cabbage in it and simple ingredients on top of it. They put this special okonomiyaki sauce, and it’s done on one of those big grills that everybody sits around, and they cook it there for you.”

In Takayama, she sampled the prized Hida beef paired with a traditional rice wine. And in Kyoto, she dined at a traditional yakitori resaurant.

“Yakitori is grilled chicken, but for the most part it’s anything that’s on a skewer,” Cordeira said. “We had family style, and they just kept bringing stuff to the table … everything from chicken thighs, chicken breasts, chicken livers … any part of a chicken you could imagine was presented to us in some way or form.”

She tried it all.

“I enjoy different types of food,” Cordeira said. “There were people who didn’t want to try anything they’d never had before, which to me is so strange. If you’re going on vacation, you want to try the food of the culture that you’re in.”

In the Market for Umbrellas

Imagine a vacation so incredible that a news crew comes out to film it.

That actually happened to Cordeira.

The day that her tour group was to tour Mount Fuji turned out to be pretty special. A thick fog around the upper stations of Japan’s tallest mountain and holy site had dissipated to reveal a breathtaking view not seen in a long while.

“It was a particularly clear day, and there was just a beautiful view of the mountains. The news crews were there in the morning, so they could put it on the afternoon news,” Cordeira said.

It was an experience she will never forget, but it was far from the most impressive. At that point, she had already been to notable sites like the Imperial Palace and took in the amazing view from Tokyo Tower. She had been a guest at a traditional tea ceremony and savored the fresh and artfully prepared fish dishes one expects.

After all that, and still more to come, one thing that fascinated Cordeira the most was simply Japan’s open-air markets. She was particularly impressed by the Omicho Market, the country’s largest, with more than 200 stalls, and oldest, dating to the 1700s.

“I really enjoyed the fish markets, just to see the variety of things that people get. I just think they’re cool,” she said. “The main focus is on fish and fresh vegetables. They have other things, but the majority of it is the fish from the Sea of Japan.”

Among the other things for sale were the three umbrellas Cordeira purchased from a salesman with whom she shared an affinity for The Red Hot Chili Peppers.

Colorful Costa Rica

They may call it a zip line “tour,” but Cordeira didn’t see much while gliding through the trees in Costa Rica – only because her eyes were closed most of the time as she held on for dear life.

She laughs about it now.

Standing on solid ground in the lush jungle areas was enough to gain a whole new perspective of the world.

When she booked the nine-day trip with AAA, Cordeira was looking for something unlike anything she’d ever done. Costa Rica delivered.

“You’re in a cloud forest, and you go to coffee plantations. There’s cruising on a river for a good part of the day, a beautiful beach, zip lining in a cloud forest … those kinds of things were all brand new for me,” she said.

She didn’t need a bird’s-eye view to notice the striking colors of the many tropical birds that surrounded her. Although she had some help from her tour manager.

“He knew his birds. He was pointing out all kinds. He knew flowers and plants and birds. He was super good with all of that kind of stuff,” Cordeira said.

There were monkeys, iguanas and caimans, too.

“There were lots of little things hanging out in the jungle, and the plants were weird. You’d have this big tree, and then hanging from the tree were little vines and then on the vine was another little plant that only lived on those vines. So, each tree would almost have its own little ecosystem going on,” she said.

“If I was just walking through that on my own, I wouldn’t notice, but having a tour manager who is from the area and loves his country and loves nature … that made it pretty neat.”

Start checking off your travel bucket list! Book your next trip with a AAA travel advisor.

Aruba, Jamaica, Bermuda, Bahama, Key Largo, Montego…wherever your whims send you, a Caribbean cruise will get you there. While no one is going to argue that a day of leisure basking on deck in the sun is a bad thing, an excursion when you arrive at port will get you off your cruise ship and add a little variety, excitement, history or culture to your vacation.  And that’s certainly not a bad thing either.

The specifics of an excursion depend on what part of the Caribbean your cruise visits: western, eastern, southern or tropical.  However, any of the islands, ports and cities that your ship visits will have plenty of activities to choose from and what exists in one location will no doubt have a similar activity in another.  If you are considering booking an excursion, do so early as many of the popular ones will fill up. And if you think you may change your mind, pay attention to any cancellation fees that may apply.

Dive into adventure with Caribbean cruise excursions

Get off one boat and jump onto another as you board a catamaran for a snorkel, scuba or scuba adventure. Discover a whole new world under the sea as you plunge into the crystal waters of the Caribbean, exploring coral reefs and making friends with the fishes.

For those that want to spend a little more time down under, Caribbean cruise lines offer excursions for more advanced divers.  If you’re not yet scuba certified but you want to be, many cruise lines provide lessons that will teach the basics, as well as more advanced sessions. Those with open water certification can check out a shipwreck like the SS Antilla in Aruba – one of the Caribbean’s largest.

And for those that are a little more in-between, try snuba, a cross between snorkeling and scuba, without the equipment and extra training.

Meet all creatures great and small

There is no shortage of wildlife that you’ll come across in the Caribbean waters, and there are excursions that will allow you to get up close and personal with some not so furry friends. Swim with stingrays in Stringray City in Grand Cayman or check out the dolphins at Dolphin Discovery in Mexico.

And…Action!

The Caribbean is nature’s playground and excursions will allow you to take advantage of and play in the sun, sea, waves and wind.  Kayak where Christopher Columbus anchored outside the reef at Salt River in St. Croix or parasail, zipline, bike, run the waves, go offroading or deep sea fishing at just about every Caribbean port. You’re only limited by your nerves!

Tuck in for a history lesson

Use your time at port to learn a bit about the history and culture (and food) of the area.  Many of these islands still show the influence of colonization, and certain excursions offer a glimpse into that life.

If you’re itching to stay active in Mexico, various tours allow you to get your hike on by winding through tropical jungles, discovering the breathtaking temples and structures of a pre-Colombian Mayan settlement along the way.

If you’re touring the Eastern Caribbean, a coach tour around St. Kitt’s capital, Basseterre, will teach you of the rich history of French and British imperialism.  Heading further south?   A tour through Curaçao takes you to the Hato Caves and the famous city center, which is a UNESCO World Heritage Site.

Caribbean cruise deals abound

Browse through the various cruise line websites and you’ll find any number of deals that will allow you to maximize your dollar on board or on shore: drink credits, excursion credits, buy one, get one.  If you have flexibility with dates, timing your trip to coincide with holidays may lead you to extra specials.

 A Caribbean vacation package offers a convenient way to see it all

If you have some extra time before or after you sail, vacation packages are a great option to make the transition from land to sea as seamless as possible, and to keep your vacation going!  If you’re taking off from Port Canaveral, consider Disney’s packages that will give you a few extra days of magic by combining your Caribbean cruise with a trip to the Walt Disney World Resort to meet Mickey with options to accommodate every budge.

Likewise, Royal Caribbean has partnered with Universal Orlando Resort to also provide accommodation, park admission and port to resort to airport transportation, so pack your wands as you head to Hogwarts to experience The Wizarding World of Harry Potter.  Amusement parks aside, wherever you disembark, post- and pre-cruise packages are available to help you keep the vacation going, and make the most of your visit to these first-class cities.

What is your ideal Caribbean cruise excursion? Tell us in the comments. 

Plan and book your next cruise vacation with AAA. 

To some, life insurance is simply a safety net to secure your family’s financial future in the years and decades ahead. While this is certainly the flagship benefit of having a policy in your back pocket, it is far from the only reason to start a life insurance plan. Although some policyholders may not take full advantage of it, such coverage can be an invaluable tool when it comes to retirement planning. Life insurance and retirement planning are both key concepts when it comes to the big-picture of your finances, but they don’t have to be mutually exclusive if you know how to intertwine them in strategic ways.

Here are a few reasons your life insurance policy can help you build toward your retirement.

1. You can borrow money against your policy: It may not hold true for term life insurance – but, then again, neither does the long-term nature of retirement planning itself – but whole life insurance (as well as other permanent plans) provides policyholders with the ability to borrow money on the cash value of their plan. These funds can be leveraged to gradually build your retirement fund over an extended period of time, inflicting minimal damage on your life insurance coverage. How much you borrow, of course, will be entirely up to your discretion, but it only makes sense to use this inherent benefit of your plan as a building block toward a more stable financial future.
2. You can protect your retirement fund: Encompassing both your anticipated death benefit as well as any cash value, your life insurance policy can compensate for any lost income, essentially giving you a back-up plan in the event that your retirement funds take a hit. Even if your retirement savings are diminished for any reason, your spouse and dependents will be well-protected if you were to pass away, knowing that they have your life insurance to rely on if tragedy strikes. After all, life has a tendency to throw you a curveball every once in awhile. So having a contingency plan isn’t only the smart thing to do. It’s also the most responsible way to take care of those most important to you. Many families fail to account for their life insurance when calculating their retirement assets. Don’t make that same mistake.
3. You can receive certain tax advantages: If your life insurance plan does offer a cash value, you’ll be pleased to learn that borrowing from your policy can actually save you a ton in taxes. Whereas outgoing money from most retirement funds is considered taxable income, whatever you take out of your life insurance policy is exempt. Moreover, the reduction in your taxable income could put you into a lower tax bracket altogether, taking a broader approach to reducing your expenses across the board. This is just the beginning of the creative ways in which life insurance can be a money-saving boon for your retirement planning. The options you have available to you do still depend on your specific plan, but be sure to reach out to a qualified professional for help in sussing out the details.
4. You can preserve your cash value: Depending on your policy, the money you invest in your life insurance plan might be protected from the same kinds of losses that affect other assets, which are more vulnerable to market shift. This means that you can conceivably borrow against your policy as circumstances require without fear that your cash value will diminish over time. Your life insurance coverage can then prove to be one of the safest places to invest toward your future and, yes, effectively plan and save for your retirement years. Even if it may seem antithetical to the entire premise of life insurance, consider it one of the many benefits of investing in your family’s financial security as well as your own retirement.
5. Your policy is an attractive alternative fund: For all the reasons described above and so much more, life insurance is steadily growing in popularity as a smart alternative way to build your savings, especially if you’ve already significantly built up your other assets. Though it might not serve as the cornerstone of your retirement planning, your life insurance policy could very well play an integral role in building toward that end. Even so, don’t neglect its primary purpose: ensuring that you and your family are protected from whatever the future may bring. Life insurance may offer all kinds of hidden features for those looking to build their savings, but it is best viewed as a supplementary addition to your savings portfolio, albeit an increasingly useful one.

Still unsure about how life insurance can help steer your retirement planning? Let us know your thoughts in the comments section below!

Get an insurance quote today at AAA.com/QuoteNow.

If you’ve been exploring your options for where to retire, you may be considering heading overseas. Drawn by low costs of living, inexpensive healthcare, and a laid back lifestyle, a growing number of retirees are choosing to retire abroad.

When choosing your destination, you’ll want to consider the weather, cost of living, quality and affordability of healthcare, level of friendliness towards Americans and incidence of crime. However, deciding to retire abroad also has its own set of challenges.

Before you hop on a plane to retire abroad, here are some other factors to consider:

• Will you need to obtain a visa? Some countries have specific residency requirements, like Panama’s Retirement Visa, which requires that seniors receive a regular income of $1,000 per month in order to qualify. (Learn more about visa requirements on the Department of State’s website).

• If you’re moving somewhere far away, how easy or difficult will it be for you to visit kids and grandkids back in the US?

• How will relocating affect your banking, assets, and investments? Are you prepared to navigate the tax filing process yourself, or hire a professional to help?

• Does the country have a national health system that will cover you? Will you need to buy international health insurance? Medicare may provide limited to no coverage depending on your location.

• Do you have specific medical needs that are best met in the US? Some countries may have great basic healthcare, but may not have easy access to certain drugs or procedures.

• Are you prepared to learn another language and live in a culture where you may be considered an outsider?

• Will you be able to buy property? Many countries have laws governing property ownership by foreigners. In Mexico, expats must go through a bank trust if they want to purchase property within 62 miles of a border or within 31 miles of a coastline.

Retiring abroad may involve a lot of details and red tape, but most retirees feel the initial hassle is worth it for the amazing benefits. Now that we’ve covered some of the nitty-gritty, let’s move on to the fun stuff! Here are our top eight picks for the best countries to retire to.

Panama

This welcoming Central American country may be the most popular haven for those who wish to retire abroad.  Besides proximity to the US and fabulous beaches, Panama’s Pensionado visa program provides major discounts for retirees on entertainment, travel costs, dining, medical services, and utility bills.

Costa Rica

A retirement favorite, this Central American nation boasts stunning national parks, beautiful beaches and lush tropical rain forests. You can also enjoy urban amenities such as excellent shopping, museums and fine dining. With fabulous weather, low cost of living, great healthcare and a stable democracy, Costa Rica is worth a look!

Malta

The tiny island of Malta is home to year-round sunshine and a wealth of cultural and historic attractions. Enjoy its lively festivals, visit the nine UNESCO World Heritage Sites, play golf at the Royal Malta Golf Club, and go sailing and snorkeling to your heart’s content. World-class healthcare and an English-speaking population make this gorgeous Mediterranean island a top choice.

Malaysia

This diverse melting pot of cultures (with many English-speaking expats) boasts a robust economy, thrifty cost of living, fantastic cuisine and some of the best healthcare in the region. Pristine beaches, rich jungles and bustling urban centers make this Southeast Asian country the perfect spot for your retirement adventure.

Portugal

Whether you love medieval castles, trendy city life, playing golf year-round or relaxing at beautiful beach resorts, Portugal has got your number. The perfect blend of First World amenities and Old World charm, this country prides itself on its warm hospitality and relaxed pace of life.

Mexico

Due to its proximity to the US, Mexico has a strong expat community and has long been a favorite of retirees. With modern amenities, low prices, and plenty of outdoors activities and historic sites, Mexico has much to offer. Although crime is a concern in many cities along the U.S. border, the majority of the country is very safe.

Thailand

This exotic Southeast Asian country has a rich history and architecture, amazing cuisine and friendly locals. Connect with other expats as you explore the white sand beaches, stunning mountains and ancient temples. Affordable medical care and a rock-bottom cost of living make Thailand an attractive choice for your retirement.

Spain

Though not as cost-effective as less developed countries, Spain is a steal if you’re looking to settle in Europe. From sunny beaches to snow-capped mountains, picturesque villages to sophisticated cities, there are plenty of outdoors and cultural experience to enjoy. Other perks include zero sales tax, low property tax and extremely low housing prices.

We want to hear from you! What are your top picks for where to retire abroad? Let us know in the comments below.

To plan your visit to any one of these countries you might one day call home, go to AAA.com/Travel. 

To find out how AAA can help you save for all sorts of life changes and milestones, visit AAA.com/Financial and AAA.com/Insurance. 

Have you started saving for retirement? Recent studies have revealed that nearly half of all Americans entering retirement age do not have a retirement savings account.

Enrolling in a 401(k) plan is one of the most popular and effective ways you can save, but are you really taking full advantage of your 401(k)? How can you be sure you’re getting the biggest bang for your buck?

Whether you’re already signed up or deciding whether to enroll, today we’re unpacking the 401(k) rules you need to know, plus how you can ensure you’re getting the biggest returns.

401(k) rules basics

A 401(k) is a retirement savings plan offered through your workplace. You can contribute up to $18,500 per year, plus an extra $6,000 of “catch-up contributions” if you’re age 50 or above.

With your 401(k) you are investing in mutual funds, stocks and bonds, and could typically receive a rate of return of 5 percent or more. (The average bank savings account yields an interest rate of 1 percent or less.)

One of the big perks of a 401(k) is that it’s “tax-deferred.” Your contributions are taken from your paycheck before taxes. You’ll pay taxes when you make withdrawals during retirement, but this may be advantageous if you’re in a lower tax bracket than during your career.

Another advantage is that 401(k) rules allow your employer to match your contributions up to the percentage of their choice. This is free money and, if possible, you should contribute the max amount to your 401k that will secure your employer’s full match.

401(k) withdrawals

There’s a big incentive to let your money grow. Early withdrawals will hit you with a 10 percent penalty in addition to taxes (unless you qualify for a financial hardship withdrawal).

You can begin making penalty-free withdrawals when you retire at age 55 or older. Then at age 70½, 401(k) rules state that you must start taking required minimum distributions. (Though deferring is possible if you still work for the sponsoring company.)

Types of 401(k)s

Some companies may also offer a Roth 401(k) option. You’ll pay taxes on your contributions, but your withdrawals are completely tax-free. (This makes sense if you expect to be in a higher tax bracket upon retirement.)

And if you’re self-employed (and have an Employer Identification Number) you have the option of opening an individual 401(k). This has a contribution limit of $54,000, plus an extra $6,000 if you’re 50 or above.

How to get the biggest returns

A 401(k) differs from a pension in that it allows you to choose how your money is invested. The most common investment fund options are target-date funds, mutual funds and index funds.

Your best choice? Research has shown that index funds will give you the highest returns.

Index funds are designed to track the performance of a market index like the S&P 500. They regularly outperform both mutual funds and target-date funds and have much lower account fees.

Mutual funds do give you more flexibility to fine-tune your investments, but this also comes with higher account fees.

Target-date funds have the highest account fees as they are closely managed (this also makes them a good “set it and forget it” option). You’ll get the best results from a target-date fund if you put your entire 401(k) into it, as it’s designed to have the correct proportions of risk. (Higher risk stocks are traded out for low-risk bonds as your retirement date approaches.)

As a general rule, your “expense ratio” (account fees) should be less than 1 percent, and the closer to zero the better. High account fees will cost you tens of thousands of dollars over the years.

Are your investments paying off?

Your 401(k) doesn’t need too much hands-on intervention, but you should definitely be checking your quarterly statements to make sure your investments are working for you.

Here’s what to look for on your account statements:

Contributions: Have you been contributing enough to get your employer’s full match? If not, increase your contributions so you can take full advantage of that free cash.

Account Fees: If your expense ratio is close to 1 percent, or increasing over time, invest in a cheaper fund.

Fund Performance: How is your fund performing compared to other funds of its type? If it’s underperformed consistently over the long term, consider making moves.

Holdings: Do your holdings of stocks and bonds match your desired level of risk? If you want 90 percent of your holdings to be stocks, but the percentage has shifted down to 60 percent, it may be time to “rebalance” your account.

Are you enrolled in a 401(k)? Tell us about your experience with a 401(k) in the comments below!

To find out how AAA can help you save for all sorts of life changes and milestones, visit AAA.com/Financial and AAA.com/Insurance. 

In the age of Instagram, quality photos are king. After all, if you went on a vacation and didn’t share at least one amazing photo of it on social media, did it ever really happen?

But seriously, if you’re like me, travel photography is about more than just building a great-looking social gallery, and it’s more personal than collecting likes. For most of us, vacations are too infrequent, too short and sometimes, once-in-a-lifetime. And since you can’t always rely on your brain, photos are the best and most vivid way to capture and relive your vacation memories over and over again.

Follow these travel photography tips and learn how you can grab some frame-worthy shots on your next trip.

Travel photography tips 101

Keep it light. Lenses, tripods and other travel photography equipment will add extra pounds and burdens that you don’t need (airport security, personal security, neck and back pain). Although they are on the expensive side, new mirrorless cameras provide professional quality photos without the weight of a traditional DSLR. And while that is something for more serious photographers to consider, the average shutterbug can rely on the latest smartphone technology. For international travel, beachy locales and theme parks, your phone may be the safest option. If you do end up bringing your trusty DSLR, keep the weight as low as possible with just one extra lens.

Practice makes for practically professional photos. If you have a new camera, be sure to familiarize yourself with its various settings. Take a bunch of practice shots to prepare for different lighting scenarios and unexpected moments. Same goes for phone cameras; learn all about the available bells and whistles on your model and play with them. Technology is becoming so advanced that phone cameras are made to auto adjust based on the environment, so you don’t have to do much.

Natural light is your friend. The best times of day to get the most interesting photos are early in the morning when the sun first comes out and just before it sets at night.

Think like a photographer. Capture landmarks and landscapes, but go beyond a simple point and shoot approach. Look for interesting shadows, movements, reflections and patterns or try a different perspective, like British photographer Oliver Curtis, whose “Volte-face” collection turned the camera around to focus on what it looked like behind major tourist landmarks such as the Taj Mahal and the pyramids of Giza. These simple touches can elevate an average photo to art. Of course, when it comes to travel photography, it’s hard to resist a good tourist cliché, so go ahead and hold up the Leaning Tower of Pisa.

Good composition. This plays off the last travel photography tip. You might be tempted to put the focus or the subject of your image directly in the middle of your photo, but don’t be afraid to try something different for a more attention-grabbing image. Nikon offers a few good composition tips, including the Rule of Thirds, a guideline for directing the eye to the most important part of a photo in the most interesting way.

Get candid. One of the best ways to capture the culture and overall spirit of a place is to take candid street photos of ordinary people just living and going about their day. If you would like to get more up close and personal for a portrait or a posed photo, make sure to ask the person for their permission first. The worst that could happen is that they say no (or they ask you to pay for it).

Don’t hog the shot. In high traffic tourist areas you can bet that there will be selfies galore. Everyone wants the same picture at the same time, so be polite and mindful of others. Whether you’re taking a picture in front of the Parthenon or of Mickey Mouse in the parade at Disney, take your photos then step back and allow others to do the same.

It’s OK to edit (a little bit). Editing or enhancing your photos is not faking it – as long as you don’t go overboard and make it look that way. Use a light hand while adjusting the brightness and contrast to bring out details and enhance the photo. And I think we all can appreciate the blemish-erasing magic of the spot healing brush.

Don’t rush. The greatest photos are rarely the result of a quick click and dash. It can be hard when you are traveling and you want to keep moving on to the next thing, but if you have some time, it’s worth it to be patient and wait for the right moment and the right light.

Back up your photos. This might be one of the most important travel photography tips on the list. You would be heartbroken if all of the photos from your trip were lost. Cloud storage is a safe bet, but you can also invest in an external hard drive and be vigilant about backing up your photos for extra assurance. If you want to be even more cautious, you can upload and back up your photos every day when you get back to your hotel in case anything happens to your camera while on vacation. Prints may seem like a thing of the past for some, but printing your best photos and putting them in an album is a great way to ensure that you can hang on to your memories for as long as possible. Services like Snapfish make it quick and easy, and they are always offering a deal.

Live in the moment. Let the time you tossed a coin behind your back into the Trevi Fountain be the memory; not the time you spent taking out tourists to get five thousand versions of every angle of the Trevi Fountain. In other words, don’t get too caught up getting the perfect shot. A picture may be worth a thousand words, but moments are irreplaceable and worth so much more. 

Have any travel photography tips that you would like to share? What’s your favorite vacation photo? Tell us your story in the comments below.

Find you’re having trouble sleeping lately? Or, maybe you woke up one morning to find a rash on your shoulder? What to do, what to do? The best course will be to head to your doctor’s office. If you don’t have one, that’s a good indicator that it’s time to start looking. But you may be wondering how to find a general practitioner, or what a general practitioner even is.

The doctor for whom you’ll search will most likely be a general practitioner, someone who does not specialize in treating one part of the body or focus his or her practice on one narrow area of medicine.

A general practitioner will serve as your go-to aid for everyday health care problems such as the flu or a temporary bout of insomnia, as a conduit to the specialists you may need for more serious issues such as cardiovascular disease and for overseeing all the care you receive.

These primary care physicians will serve as your medical “home.” He or she will be the doctor you visit for most medical issues, including wellness visits, routine screenings and non-emergency illnesses. Some patient-general practitioner relationships will be short because education or work will take you from place to place and switch you from insurer to insurer. Other doctor-patient relationships can span decades.

How to find a general practitioner

There are some tried-and-true ways of finding a general practitioner. Just ask your mom or dad. Really, ask them. With any luck, the doctor they brought you to as a kid when you had the sniffles or poison ivy has a practice that also treats adults. How simple is that?

Maybe there’s a friend or co-worker you can ask. People who have had the same doctor for many years are likely to sing their praises and could be willing to find out if their doctor is accepting new patients.

If you’re flying a bit blind on this choice, maybe because you’ve recently moved, you can find general practitioners through your state’s health department – which may provide quality ratings on them – your state’s medical society, or even an internet search.

But, here’s the thing: You should get an OK from your insurer or employer’s benefits office before booking an appointment.

Insurance plans typically limit policyholders’ choice of doctors to those medical professionals under contract with them.

Many insurers also require you to choose a doctor (who will be considered your primary care physician, or PCP) from an approved list. The primary care physician will be responsible for your care, will make referrals for you to specialists, physical therapists, or other health professionals in coordination with your insurer and according to what is allowed under your insurance plan.

You should consider a family practitioner (someone who would take on your whole family as patients), a general practitioner or an internist as your primary care physician.

What you should decide is: What is most important for me or my family when it comes to primary medical care?

Depending on your gender and whether you have children, you may want to choose an obstetrician/gynecologist or a pediatrician. All of these doctors are considered primary care practitioners because they can manage your health care. Regardless of whom you choose, make sure your insurance will cover that doctor’s services before you get billed.

How do I know if a doctor is right for me?

Whether you talk to your family and friends about their doctors, or are trying to figure this out on your own, be sure to get a sense of a few things before settling on a general practitioner.

His or her personality, for instance. Do you want someone who is direct and efficient, or warmer and more conversational?

How easy is getting an appointment? How convenient is it to get to their office from home or work? What about the office hours? Or, weekend and night service? Do they use a medical laboratory nearby? Or, are you going to have to plan a separate trip to get tests done?

Once you have a short list of possibilities, you should call the doctors’ offices to learn whether they are accepting new patients and, if so, whether they accept your insurance plan.

When you go, make sure you have a list of previous surgeries or hospitalizations, as well as any major conditions or illnesses and prescription drugs. Remember to bring your insurance card and a current identification with you.

Go into this first visit with a list of questions you want answered, such as a doctor’s special practice areas, who covers the practice when he/she is unavailable or where they have hospital admitting privileges. From the moment you step in the door to a general practitioner’s office, keep your eyes and ears open. You’re less likely to visit a doctor or follow up on recommendations when the doctor and his or her staff are cold and careless.

A relationship with a doctor is one of the most important and intimate in life. You need to feel as if you trust him or her and that they are an ally in your care and well-being. The decision about who will be your primary care physician is up to you. The effort to find a general practitioner is one of the most important health care decisions you will make. Be sure to give it the care and thought it requires. Your life will be better with a doctor on whom you can depend.

What would your advice be to someone trying to find a general practitioner? What do you like about your current GP or primary care physician? Tell us in the comments below.

For those with a taste for adventure, few states across the nation are as suitable as Connecticut. Even among the natural beauty and coastal charms of New England, there’s an overwhelming assortment of engaging, heart-pumping and otherwise thrilling outdoor activities in Connecticut.

From its scenic parks and trails to more fast-paced pastimes, the state caters to every desire, offering a strong incentive to those looking to relocate or take a much-needed break from the stresses of daily life. So, before you lock in those travel plans, here are a few reasons why Connecticut needs to be on your must-visit list.

Park it up

One of the key selling points of Connecticut is its wide range of parks. While there are far too many to name here, let’s run through some of the highlights.

Kent Falls State Park: On a visit to this Litchfield Hills locale, you can trek across a covered bridge right up to the cascading falls over the Housatonic River and the shimmering reflecting pool below. Whether you’re in the mood for some fishing – this is a designated Trout Park, after all – or just want to take in the sights, it’s a worthwhile stop.

Talcott Mountain State Park: From this park’s 165-foot-tall Heublein Tower, you’ll be able to take in a 360-degree view of the surrounding landscape. Or you might opt to simply take in the museum of local history housed within the tower itself. Either way, the 1.25-mile hiking trail is sprinkled with natural wildlife, making it the perfect spot for bird-watching of picnicking.

Devil’s Hopyard State Park: This park earned its name because of the round holes in its falls, but we think you’ll agree it’s heavenly nonetheless. Looking for a place to wander, go fishing or otherwise explore the elements? Look no further as this park’s 21 campground sites and wooded surroundings position it as a great place to get away from it all.

Hiking and biking

Despite the prevalence of hiking and biking trails at the parks we’ve already mentioned, there are plenty more options in Connecticut for those looking to get moving.

Hubbard Park & Castle Craig: One of the more unique destinations in Connecticut, this one attracts crowds from all over, largely because of the stone observation platform atop Castle Craig Tower. Below, guests can explore a whopping 1,800 acres of hiking trails and picnic areas. It’s definitely something to keep in mind the next time you’re in or near Meriden.

Mattabesett Blue Trail: Not far from Middlefield, this 9-mile trail leads hikers down mountainous terrain at every turn, including some of the lushest areas around. In fact, you’d be hard-pressed to find a more comprehensive trail than this one, as its interconnected looping trails will keep you busy for hours.

Tunxis State Forest: The next time you find yourself anywhere near routes 20 and 179 in Granby, set aside some time to spend here. Of course, it’s brimming with hiking trails and mountain bike trails, but if you have energy to spare after all that, Tunxis also offers cross-country skiing, fishing, hunting and boating.

Fit for fitness

Once you’re done hiking and biking around the wide range of parks and trails throughout Connecticut, you might be looking for an even greater shot of adrenaline.

Satan’s Kingdom State Recreation Area: In the summer months, people flock here for a ton of different activities, namely those in the water. Tubing, canoeing and kayaking are all popular choices for visitors to this New Hartford locale, as the Farmington River ideally sets the stage for vigorous workouts and lazy afternoons alike.

Hammonasset Beach State Park: This 2-mile beach bears the designation of being the largest shoreline park in the state, so you know it’s something special. In the mood for some swimming, scuba diving and saltwater fishing? Look no further. Hammonasset even offers camping, picnicking and a nature center to ensure that it has something for everyone.

Clarke Outdoors: Since we’re focusing on the many outdoor activities in Connecticut, there’s no way we would dare leave this one off our list. One of northwestern Connecticut’s greatest treasures, Clarke Outdoors gives visitors the opportunity to travel down a miles-long stretch of the Housatonic River via canoe, raft or kayak. A word of advice: Make your reservations now.

Adventure time

Athletically inclined visitors to Connecticut (clearly) have no shortage of things to do, but before we send you on your way, here are a couple more destinations worth considering.

EMPOWER Leadership Sports & Adventure Center: This Middletown locale focuses on adventure as an opportunity to build bonds between family and friends. The half-mile guided zip line canopy tour is among the most attractive features, but don’t forget to make time for the other aerial activities, such as tree-climbing and scavenger hunts.

Brownstone Exploration & Discovery Park: Here’s another adventurous spot with more options than you’ll have time to experience in one day. From rock climbing, wakeboarding, cliff jumping and scuba diving, this is the perfect place to soak in all the intense fun the outdoors can bring. Muster up your courage for the exhilarating obstacle courses, zip lines and other challenges.

Indulge your interests

Ready for your next adventure? There are literally hundreds of other things to do in Connecticut.

Plan your next Connecticut adventure with AAA.

Tell us some of your favorite outdoor activities in Connecticut in the comments below.

Newport, R.I., is best known for its peaceful coastal views, stunning historical sites and delicious local seafood. While summer is popular for tourists, winter in Newport exudes charm, nostalgia and a peaceful quiet that warm-weather crowds don’t have the opportunity to experience.

Whether you’re planning a weekend getaway or just need a relaxing daytrip, Newport has something for everyone, no matter the season.

The Famous Mansions

No matter the season, a trip to Newport isn’t complete without a tour of the opulent mansions. Tours are given daily, showcasing these architectural marvels. You can visit The Breakers, Rosecliff and Marble House in January and February. If you’re interested in learning about the homes’ inner workings, a new underground tour explores the basement and boiler room of The Breakers, with a little history thrown in from the diary of the home’s engineer.

Indulge in Local Cuisine

Newport’s food scene is just as rich as the city’s history. Christopher Hughes, assistant branch manager at the AAA Middletown branch, R.I., and Newport native, provided some suggestions. If you want to splurge a little on your weekend away, the Dining Room at Castle Hill Inn is the “all-star Newport” place to go for dinner. Be prepared for a culinary journey at the AAA Four Diamond Rated restaurant, with the option of a three-, four- or six-course dining experience and over 800 wine selections. For a more casual experience, Midtown Oyster Bar offers local seafood dishes, along with sandwiches, salads, steaks and more.

Newport Winter Festival

New England’s Largest Winter Extravaganza, as it bills itself, is the perfect antidote for beating the winter blues. From Feb. 15-24, visitors can take part in all sorts of events, from beach polo and ice sculpting demonstrations to a mac and cheese smackdown and twinkling illuminated gardens. There’s even an ice bar – Polar Pineapples – at Gurney’s Newport Resort. Bundle up!

Seal Watch Tours

Summer isn’t the only time to head out on the water. Save the Bay hosts seal watch tours from November through April, where you can board an education vessel and observe harbor seals resting on rocks in Narragansett Bay. Opt for the two-hour excursion for a tour of Rose Island Lighthouse.

There’s no harm in hoping that you’re the next Powerball lottery winner, but responsibly managing your personal savings requires more than good luck.

The road to financial security begins with meticulous (and realistic) planning and budgeting. Whether you’re saving for college, retirement, a new car or an emergency, the first step in managing your personal savings is to set a goal. Start off by asking yourself this simple question: What’s your personal savings goal?

Budget

Once you have set your goal, then you can create a budget. Financial advisers often recommend that we put aside 20 percent of our income toward savings, which includes retirement and debt. This is what’s known as the 50/30/20 rule. The gist of the rule is this: Allocate 50 percent of your income toward necessities like rent or mortgage and other living expenses. Another 30 percent should be set aside for vacations and lifestyle expenses. The remaining 20 percent should be put toward retirement and cash savings. Of course, it’s easier to adhere to this plan when you have more income to play with. But managing your personal savings – at any income bracket – can become a habit with practice.

Here’s an easy trick to start saving: Set up an automatic transfer through your payroll system. That way funds from each paycheck will go directly into your savings. Think of your personal savings as another bill. You’re essentially paying yourself and making that a priority before anything else. With automatic transfers, you don’t have to think about the money that’s being allocated to your savings.

If a 20 percent savings plan isn’t practical for your lifestyle, set aside 15 percent or whatever works for your goal and budget. Consider this: How much do you earn and what are your expenses? You’ll likely have to reassess your budget and set your financial priorities. If it’s any comfort, know that you’re not alone in this struggle. In fact many other Americans also have difficulty managing their personal savings. GOBankingRates, in partnership with The Penny Hoarder, surveyed 3,000 Americans in 2014 and found that 44.5 percent didn’t have a savings account at all. Another 28.5 percent had less than $1,000 in their savings account.

There are numerous budget apps and online calculators available through your bank which can help you manage your budget. Take advantage of them. The first step in managing your personal savings is to gain financial awareness.

Trim the fat to bolster your personal savings

With a budget in hand, you can begin eliminating unnecessary expenses. Research how you can lower your phone, electric, gas and/or other monthly expenses. Find out if you’re eligible for cost-savings programs. Keep track of your spending, and, as a rule of thumb, always live below your means. You’ll be surprised to know that some of the richest people in the world are also some of the most frugal.

Distinguish between what you need and what you want. Perhaps you need new shoes, but do you need designer ones that you really can’t afford? Instead of impulse shopping for items that are out of your budget, wait a few weeks before making a purchase. After a few weeks pass, see if you still want to make that purchase. These short-term financial goals will help you meet long-term plans like retirement and paying off your debt.

The best savings account

Now that you’ve established your financial goal and created a budget, you can move on to the next step: What’s the best savings account for you?

Choosing a bank account really depends on your personal needs. Are you looking for an account to hold your cash and accrue the highest possible interest? If so, find a personal savings account with a competitive annual percentage yield (1.20 percent or 1.15 percent). Or perhaps you want to take advantage of signup cash rewards. Banks often give new customers cash bonuses when they open a new account with a minimum balance. Do a bit of online research and find the right bank account for your needs.

While you’re looking at bank account features, you may also consider opting out of overdraft protection, especially if you’re prone to overspend and accrue overdraft fees. Over time these fees add up. That money spent on unnecessary fees could have been used toward a fun experience like a tropical getaway.

Here’s another savings tip: Open a savings account with a different bank than your checking account. Do you often transfer money from your savings to your checking under the empty promise that you’ll repay it? Having accounts at different banks makes it more cumbersome to borrow money from your savings.

Find the resources you need to make sure you’re on track with your personal savings goal. Many banks offer interactive guides and calculators to help you stay focused and meet your personal savings goals. And if you’re not sure, contact a financial planner. The experts are there to help.

Have any tips of your own for saving money? Share them with your fellow AAA members in the comments section below!

Couponers have a bad reputation for being extreme. But you don’t have to quit your job and recruit a cadre of family and friends to clip coupons to see real savings. By learning basic couponing skills you can guarantee that you’ll save money on your next shopping trip just like the pros.

Don’t be disillusioned from watching TV shows about extreme coupon enthusiasts who purchase a stockpile of shampoo, dried noodles and toothpaste for only $5.16. Couponing doesn’t have to be extreme to produce significant savings. That’s welcomed news for first-time couponers, considering how overwhelming it can be to learn couponing policies, lingo and store rules.

Before you venture out on your next shopping excursion, learn the ins and outs of couponing to help you stick to your savings plan.

Couponing basics

Are you in a need of a primer on couponing? Let’s start with the nitty-gritty: where to find coupons. There are essentially two types of coupons: store coupons and manufacturer’s coupons. Manufacturer’s coupons are found in Sunday newspaper inserts or they can be downloaded from various websites like Coupons.com, RedPlum.com, SmartSource.com and many others.

Everyone coupons differently, but veteran couponers swear more savings come to those who subscribe to the Sunday edition of the newspaper, which is filled with coupon inserts. You can also find coupons directly on the manufacturer’s websites. Search for deals on products you need, and then send those coupons to your phone to digitally scan them at checkout. If you have a printer, print the coupons out and organize them in a binder or folder. Coupon websites will also often display paper coupons and tell you which inserts they ran in and what date they were published.

Store coupons work the same way as manufacturer’s coupons. Store coupons are available on the retailer’s websites like CVS, Target, Wal-Mart, Kroger and more. They can also be “clipped” via apps like Grocery iQ, Checkout51 and SnipSnap. Take your printout of the coupon to your store’s checkout or send the coupon electronically to your store’s loyalty card. To discourage scams, most websites only allow you to print two coupons per computer. Couponers get around this by using two different computers to print four coupons, if they’re buying multiples.

Want more coupons? Check the store aisles next to your favorite products or find coupons on the backs of products, where they can be peeled off or cut out. Don’t forget to grab “Catalina” coupons, which are printed by the cashier and given with your receipt. Devote a couple weeks to collect and organize all of your coupons.

It’s time to go shopping

To double up on your savings, matching sales with your coupons. The process is a lot simpler nowadays than when your grandma couponed. Utilize websites like thekrazycouponlady.com or grocerysmarts.com to match your coupons with sales.

Another way to maximize your savings is to get the store’s sales ads and mark off the items you want. Then search online for manufacturer or store coupons for those specific sales items. Before you go to the store, make a shopping list and bring all of your coupons. Remember that coupons have expiration dates. Carefully read your coupons to be clear about expiration dates and the restrictions, which are written in small print.

More couponing tips

Most extreme couponers recommend going to many different stores to increase savings. But set realistic goals for your savings plan, especially if you’re new to couponing. Focus on one store and make sure you understand that store’s coupon policy. Kroger, for example, won’t let you stack manufacturer’s coupons with e-coupons. Other stores have different policies. Have a hardcopy or electronic copy of the store’s coupon policy with you in case your coupons can’t be scanned. And keep an eye on the checkout screen as you’re being ringed up.

Here’s another tip of the trade: Use coupons for smaller sized items and travel-sized products to get the most savings. Let’s say you have a Scope coupon for 99 cents off and the travel size scope is $1. You just paid a penny for the Scope. Items that are always a good bang for your buck are nonperishables that you use often like toilet paper, tissues and toothpaste.

The savings doesn’t end after you leave the store. Many apps now give shoppers rebates and redeemable reward points. With the iBotta app you can unlock rebates before you go to the store. The ShopKick app gives you reward points that add up to free gift cards.

While it’s exciting to save money, be strategic with your coupons and only buy only things you need. Otherwise you’re wasting money. A case of candy may be on sale for $2.99 and you have coupon for $1 off, but do you really need junk food even if it’s only $1.99?

Don’t waste unnecessary time and effort couponing. Think about the energy, gas money and time that goes into couponing when you factor in any savings. The saying “time is money” is true, especially when it comes to couponing.

Do you have any advice for couponing newbies? Tell about your tips or experiences with coupons in the comments section below.

For even more savings, visit AAA.com/Discounts. 

The bad news: Your luggage is delayed, lost or battered beyond recognition. What can make you feel better? Having travel insurance.

Comprehensive insurance for a trip — which can include protection from unexpected expenses incurred by issues such as flight delays, trip interruptions, and medical treatment—provides more than just “peace of mind” when the things that can go wrong do go wrong. It provides financial protection.

Baggage insurance basics

What is baggage insurance, exactly, and why would you need it if the airline already covers lost and stolen luggage?

According to the experts at AAA travel insurance partner Allianz, “’Baggage insurance’ is a general term for travel insurance benefits that can protect your bags and possessions while traveling.” It’s often part of a more comprehensive travel insurance package, but not always; be sure to check when you’re comparing insurers and policies.

Airlines can and do cover luggage that’s delayed, lost or damaged, but (obviously) aren’t responsible for luggage troubles that may occur during your trip — when you’re backpacking in Peru or traveling via rail on a city-by-city tour of Italy. Coverage throughout your journey is one of the key benefits in having a travel insurance package with baggage benefits.

What airlines are responsible for

Getting baggage benefits in your travel insurance policy is a good idea even if you’re planning a flight in/flight out holiday with a single destination, offering more robust protection than you might get from the airline. Here’s the low-down of what airlines are responsible for, straight from the U.S. Department of Transportation:

• If a passenger’s bag is delayed, airlines will pay reasonable expenses the passenger incurs while he or she waits for the delayed bag.
• If a passenger’s bag is damaged because of rough handling, airlines will pay for the repairs or negotiate a settlement to pay the passenger the depreciated value.
• If a passenger’s bag is lost, airlines will reimburse the passenger the depreciated value of his or her lost belongings.

The key phrase above is “reasonable expenses.” Elsewhere on the site, the DOT notes, “You and the airline may have different ideas of what’s reasonable, however, and the amount it will pay is subject to negotiation.”

Other items to keep in mind:

• The airline liability ceiling, currently at $3,500 adjusted for inflation every two years. Liability for international flights, about $1,675 at the time of this being written, is actually set by the Montreal Convention using a “currency surrogate that floats daily.” (You’d have to check the IMF to check current values.)
• These are the maximums. If the value of your stuff (depreciated) is less than the liability limit, you’ll get the lesser amount.
• As a small consolation, if your luggage is actually lost (rather than delayed), your checked baggage fee will be refunded. (This may seem like a “well, of course!” kind of thing, but this is a new rule.)

Bolster your protection with baggage insurance for a trip

The protections airlines provide have two things going for them: They’re free (or rather, included in the price of the ticket) and their reimbursements may be sufficient for some passengers.

But it’s still a good idea to bolster that coverage by purchasing travel insurance that includes luggage benefits. Here’s why:

• It covers your entire trip, not just the parts that take place at the airport.
• Airlines offer depreciated values for items, not what it would cost to replace them. Travel insurance protection could provide reimbursement for replacement of items lost or stolen.
• While travel insurance companies do have exclusions, airlines have long lists of items they will not cover — and you may not care to engage in a lengthy process of “negotiation” with them if you disagree about what expenses are “reasonable.”
• Keep in mind that even travel insurance policies have their limits and that big-ticket items, like expensive jewelry and electronics, may be better protected under your homeowner’s insurance. As always when researching policies, know what you need covered and read the fine print to determine whether the coverage will be sufficient.

Do you have any personal stories about delayed, lost or otherwise trouble-plagued luggage? Did having travel insurance help you out? (Or did it make you wish you’d gotten the travel insurance?) Share any tips or insights you may have  in the comments section below.

Your AAA travel advisor can help you choose a travel insurance policy that’s right for you. Learn more.