Visiting a new place is always fun and exciting, but packing can be a hassle. Our solution? A travel checklist.

Whether you’re the type of person who waits until the last minute (and usually ends up forgetting important things) or packs in advance and tries to fit your entire life into a tiny suitcase, a checklist is an easy way to ensure you pack smart and light.

To help you prepare for any trip, we made a travel packing checklist for both your carry-on and checked luggage.

Carry-on travel checklist

Carry-on tips & tricks

Rule No. 1: Always pack your carry-on first! This tiny bag is where you’ll keep your most important documents, tech and gear. Just remember to keep it light, especially if your carry-on doesn’t have wheels. There’s nothing worse than having to lug a heavy bag through the airport.

To start, gather all of your travel documents. That includes items like passports (we don’t want to forget those!) and plane tickets (which can also be printed at the airport). There are even a variety of fairly cheap organizers and holders that can help keep them all neatly stored in one place. With your travel documents out of the way, it’s time for tech and gear.

While it’s tempting to bring every gadget you own on vacation, try to refrain from making this rookie mistake. Unless you’re a journalist, professional photographer or going on a business trip, there’s really no need to bring expensive laptops and cameras on your adventures. In fact, the less technology you bring abroad, the less you have to worry about. Stick with essentials, like your phone, phone charger and a converter (if necessary).

Please note there is no camera on the travel checklist. Phones aren’t just for texting and calling anymore! Skip the big expensive camera and take pictures with your smartphone. Not only will you save space in your carry-on, but you’ll look less like a tourist when traveling and less like a target for pickpockets.

Next, pick out an emergency outfit. While most people pack all of their clothes in the checked bag, you should always have a spare outfit in your carry-on just in case there are any delays. Baggage delays, delayed flights and lost luggage are also the reason to store medication in your carry-on. You should be able to reach life-saving treatments at any given moment. So do not keep emergency inhalers, EpiPens or other necessary medicines in your checked bag. If you have food allergies or you’re simply a picky eater (don’t worry, no judgment), bring some of your own snacks for the flight as well. Fruit and breakfast bars are both tasty and easy to transport options.

And finally for our favorite part – the in-flight distractions! Since most commercial airlines provide movies to help keep passengers entertained and smartphones provide music andgames, other forms of entertainment aren’t technically a necessity. However, we know some people are still old-fashioned (and we like that)! If there’s room in your carry-on, bring a book you haven’t had time to read or one of your favorite magazines. Depending on the size of your carry-on, you might even have room for a few travel leisure items. If you’re going on a long flight consider bringing a travel blanket and a small pillow. Some airlines keep their cabins fairly cold and will charge you $5 for a tiny blanket!

But before adding any extras, be sure to pack a few health and hygiene products in your carry-on. While items like hand sanitizer and disinfecting wipes won’t save your life, they’ll definitely help keep your hands and the surrounding area a little cleaner.

Checked bag travel checklist

Checked bag tips & tricks

Packing the checked bag is where most people go off the rails. So if you’re known to over pack, use the travel checklist below to help you stick with the essentials. Remember, overweight suitcases will be fined.

When packing for an extended trip or vacation, always make sure you pack for the weather. Since most people travel to warm places (and usually for seven to 10 days at a time), this checked bag packing list will help you plan for a weeklong tropical trip. You’ll want to bring six tops, two bottoms, two bathing suits (one to dry while you wear the other), underwear and socks. While this may not seem like a lot of clothes, remember that you already have one outfit packed in your carry-on. In total you should have seven tops and three bottoms, which is more than enough clothes, even for 10 days.

When you plan your outfits, try to pack things that can be mixed, matched and layered. It will help you get the most life out of your clothes.

Next, it’s time to pack your shoes, which should be stored separately from your clothes. Depending on where you’re going and the activities you’ve planned, most will only need two to three pairs of shoes for the entire trip. Sneakers and comfortable sandals are the essentials, but if you plan on hiking or going to a formal event, other footwear may be necessary. Try to pick neutral colors that will match more than one outfit. To save space in your suitcase, wear the bulkiest shoes (probably your sneakers) on the plane.

And last but not least, the toiletries! When you’re packing shampoos, conditioners and other liquids, be sure to keep them in a zip-close bag to avoid any messes. Then store all of your toiletries in a separate suitcase compartment (or place them in an external pouch) to help keep your luggage organized. You should also consider storing these items in a small backpack or purse. At your destination, you can simply remove the bottles and creams to use the small bag as a day pack for the road.

Here’s another trick: After seven to 10 days in paradise, most of your travel-size toiletries should be empty. Your pouch, purse or small bag should be fairly empty as well. So on your way back to reality, use your toiletry bag to store souvenirs! If you’re bringing back any delicate items, put them in you carry-on.

Now that you have the essentials, feel free to add or take away from the travel checklist(s) as necessary. And remember, even if you forget or lose something, it’s not the end of the world. Many items can be bought in the locations you’re visiting and material possessions are replaceable. But you’re not. So check out these travel safety tips and always be aware of your surroundings.

Did we miss any must-have items that you would put on your travel checklist? Tell us in the comments and let AAA help you with your next trip no matter the destination.

Get started at AAA.com/Travel. 

The best Thailand tours will take you to both the east and west coasts of Siam (Thailand’s previous name) for your beach bum trip to Asia. Yes, Thailand has some of the best food that you’ll ever try when you tour Asia, but it’s the miles of white-sand beaches, fresh coconuts, and azure water that set Thailand apart from its neighbors.

With about 1,900 miles of coastline, there are a dumbfounding number of tropical, sandy stretches in Thailand. So, unless you have a life time to test all the waters, you can cut the chase short by hitting up this list of our favorite Thailand beaches on your Thailand tours.

But first, you need to ask yourself what you want from a beach holiday. Do you want isolation? A beach so quiet you can’t hear anything but the sound of the waves pulling on soft sand? A beach party that will carry you late into the night? A little of everything?

Nai Harn Beach, Phuket

Located at the southern tip of “The Pearl of the Andaman,” Phuket island, Nai Harn Beach is a favorite of expats and locals. With a couple hotels in the area, the wide strip of beach is no secret. However, large grassy hills above rocky bluffs offer a stunning backdrop for the westward facing sands. If you’re wanting to sneak in a little snorkeling, it’s also possible to follow a narrow, paved road at the northern end of the beach a few hundred meters around to the small pebble beach of Ao Sane.

During low season, there is even a shore break that members of the small surfing community are usually more than happy to share.

Kata Noi Beach, Phuket

Kata Noi is also located on Phuket, which does have an international airport in case you want to start your Thailand tours there. Slightly more out of the way than its larger namesake – Kata Beach – Kata Noi comprises a wide strand of white sand with startlingly blue waters during the high season.

Railay Beach, Krabi

Railay Beach is a rock climber’s paradise and not such a bad deal for beach bums either. Though part of the Krabi mainland in southern Thailand, Railay is only accessible by longtail boat. These iconic Thai boats are part of a regular ferry system connecting Railay to the rest of civilization.

Tucked into thick jungle and awe-inspiring karst limestone cliffs that melt into Phang Nga Bay, Railay Beach is more than just a stretch of beautiful sand. Despite easy access to the beach, it rarely feels crowded by tourists, who are more often than not staring off into the island dotted blue waters with a Chang beer in hand.

Koh Lao Liang Beach, Trang

The beach furthest south that makes our list is on a little, isolated pair of islands offshore from Trang province. Most international tourists don’t make it past Krabi (think Railay Beach), which is probably why Thai people consider the pair islands as one of Siam’s best-kept secrets.

Karst cliffs, blooming with colors ranging from deep red to snow white, loom over a breathtaking sliver of white-sand beach on Koh Lao Liang Nong, where high-end, seaside tents are set up to accommodate guests. From the beach, it’s possible to rent kayaks and arrange boat and snorkeling tours to explore the hard coral reefs just off the coast. There are also some rock climbing opportunities, though not as many as can be found in Railay.

Haad Rin Beach, Koh Pha Ngan

Haad Rin is Thailand’s number one party beach, due to most Thailand tours for younger backpackers trying to sync up with the famous full moon parties. If you haven’t heard, once a lunar month, the beach is a chaotic mess of dancing, drinking and music. Even when the full moon isn’t causing everyone to act like lunatics, the beach remains a party spot at the night. However, during the day, soft sand and a gentle slope make it a worthwhile beach to visit – assuming the trash from last night’s party has been picked up.

Khlong Chao Beach, Koh Kood

This drop-dead gorgeous island not far from Cambodia should be included in your next trip to Asia even if you aren’t a beach person. With less development than many other tourist destinations, Koh Kood is home to white-sand beaches with a Maldivian appearance. However, the beauty of the island and its beaches come with a higher price tag than some budget travelers are used to paying in Southeast Asia. If you do decide it’s worth the money – and we promise that it is – you’ll also be able to track down inland waterfalls in the lush jungles of the mountainous island.

Chaweng Beach, Koh Samui

It wouldn’t be right to have a list of our favorite beaches for your Thailand tours without including at least one from Koh Samui. The internationally-renowned island is no hidden gem – and neither are its beaches – as the tourism industry has been steadily growing her for decades. However, kilometers of soft white sand, easy access and plenty of amenities make island’s busiest beach hopping for a reason.

Like Haad Rin Beach, this one is not a beach destination for those wanting some peace and quiet. However, the lively social scene and touts selling all sorts of items keep things interesting.

Thailand Tours Bring You Siam’s Best Beaches

Thailand’s beaches continue to rank among the very best in Asia, making them essential stopovers for those who like the kiss of the tropical sun and lazy days next to the azure waters that bring millions to the country each year. By carefully booking your Thailand tours it’s possible to squeeze in a number of our favorites, giving you a taste of all the beach styles the kingdom has to offer.

Do you have a favorite Thailand beach that wasn’t mentioned on this list? Give your favorite spot some love in the comments below.

Plan and book a Thailand vacation with AAA. 

After exchanging gifts throughout the holiday season, you may have spending money to treat yourself to some tech accessories in the new year. With so many useful gadgets on the market, we put together our top picks for enhancing your phone. From a virtual reality headset to a rugged case that will withstand cringe-worthy falls, these options will help you get more usefulness and enjoyment out of your device.

Samsung Gear VR With Controller

Virtual reality transformed the gaming world by immersing players in the action, and this accessory lets you take the experience with you, whether you pair it with your phone or tablet.  The Oculus gaming library has over 550 titles to match your gaming style, so you can decide whether to solve a mystery, challenge yourself with a puzzle or take part in a sci-fi world such as Star Trek: Bridge Crew. Aside from gaming, Gear VR can be used to elevate your next Netflix binge, making it feel as if you’re in a private theater.

Otterbox Defender Series Case

Otterbox has a reputation for rugged phone cases, and while it may not be as exciting as immersing yourself in VR, protecting your phone is a must. With an Otterbox case, you can rest easier when your phone slips from your hand or off the desk. Three layers of protection help prevent screen scuffs, block dirt and dust, and deflect impact, which will save you the hassle and cost of phone repair or replacement. Plus, the Defender Series offers a range of colors including our favorite, Big Sur Blue.

Samsung Wireless Charger Duo

Next to protecting your phone, charging it is likely one of your top priorities. If you’ve enjoyed the increasing prevalence of wireless charging pads in coffee shops, you know how easy they are to use. Without cords and cables for different devices, all you do is place your phone on the pad. Use the fast charge accessory if you need to power up more quickly. We prefer the charger duo as it allows you to charge a phone and smartwatch simultaneously, and you can offer it easily to guests whose phones are running low.

Harman Kardon Onyx Studio 5

With 8 hours of playtime, Onyx Studio 5 is a portable Harmon Kardon speaker with exceptional sound quality, and it performs well beyond streaming music. Noise and echo cancellation ensure that you can use it for conference calls. When you want to immerse yourself in a sound experience, wirelessly connect two speakers to fill the room. You’ll want the speakers to be visible to show off their sleek design.

Beats Solo3 Wireless On-Ear Headphones

When you want to listen to music privately, Beats headphones offer award-winning sound and an ergonomic design that allows for hours of listening. The cushioned ear cups make them comfortable to wear, and they also function to buffer external sound, giving you an immersive listening experience. Providing 40 hours of battery life, you won’t have to charge too often, but the 5-minute quick power capability is a good option for the times when you need a boost.  With the built-in Apple W1 chip, you’ll also experience seamless transition between Apple devices.

Apple EarPods With Lightning Connector

Unlike typical round earbuds, Apple EarPods were designed specifically around the geometry of the ear to offer a comfortable listening experience. They also deliver on sound quality, making them a great choice for times when full headphones are just not practical. The lightning connector that accompanies the EarPods ensures you can use them with iPhone, iPod touch and iPad.

Withings Body Cardio Wi-Fi Smart Scale With Body Composition and Heart Rate

Have you resolved to pay more attention to fitness in the new year? After a season of holiday parties and dinners with friends, many of us are returning to regular exercise routines.  With the Withings Body Cardio accessory, it’s easy to track progress on your phone. If you choose to set a weight goal, you will receive tips to help you along the way. Otherwise, you can simply refer to the readings for weight, body mass percentage, muscles mass and other health indicators to keep yourself motivated. With the capability of retaining 8 individual user profiles, this accessory can be used by the whole family to track progress over time. Beyond body composition, each user can measure heart rate as well.

Lumos Kickstart Helmet

Whether you bike for fitness or transportation, the Lumos Kickstart Helmet will help you travel around more safely. Built with gesture-recognition algorithms that correlate with your Apple Watch, the helmet translates your hand signals into helmet signals, making it clear to everyone on the road where you’re headed. Bright LED lights ensure you’re noticeable. You can also connect the helmet to an iPhone app to track ride and health activity.

Uunique Genuine Leather Classic Folio Wallet

Unlike clunkier folio cases, the Uunique leather version features a streamlined design while still providing ample storage for credit cards. Even when the slim profile case is filled like a traditional wallet, your contents won’t interfere with its wireless charging capability. The flat surface of the rear back shell ensures you can charge up when needed.

Belkin Valet Charge Dock for Apple Watch/iPhone

When you need to charge an Apple Watch and iPhone simultaneously, the Belkin valet charge dock lets you do it quickly. Its magnetic charging module aligns with the watch instantly while the phone dock adjusts to fit any size case. With its elevated design, you can easily see the devices as they charge, making accidents less likely to occur.

What phone accessories do you find most useful? Let us know in the comments below!

Whether you spend your Orlando vacation theme park-hopping with the family or working on your goal of doing absolutely nothing for a few days, there’s no better way to recharge your batteries than spending some time by the pool in the Florida sunshine. Here are our choices for the best hotel pools in Orlando, including a few of our favorites at Disney and Universal resorts.

From high-energy themed pools for the kids to relaxing sanctuaries for the adults and everything in between, there is something for everyone. Let’s dive in!

The best hotel pools in Orlando

Grand Bohemian Hotel Orlando, Autograph Collection 

The chic European vibe of this stylish AAA Four Diamond Hotel extends all the way to the rooftop, where you’ll find the pool – an enticing splash of turquoise in a luxe white setting. Accompanied by a bird’s-eye view of the city, the pool area features a spacious deck for taking in the sun and a tent with crystal chandeliers that’s perfect for lounging with a cocktail or snacking in the shade. The pool itself isn’t that large, but it’s the surroundings that impress. If slides and water cannons are a kids’ poolside paradise, this quiet oasis is the adult equivalent.

JW Marriott Orlando Grande Lakes 

It’s the variety that makes this one of the best hotel pools in Orlando. Shared with the Ritz-Carlton, visitors can choose from several different pools on the Grand Lakes property. Whether you prefer to indulge in your own quiet paradise beside the quiet Ritz-Carlton pool or float along the JW Marriott lazy river, the choice is yours. There’s also a children’s pool and two hot tubs to enjoy, all of which are surrounded by the manicured green lawns of the Ritz-Carlton Golf Club and Shingle Creek. Take in the view with a poolside meal available at the hotels’ al fresco restaurants, Quench and Blue.

Orlando World Center Marriott 

The hotel recently added three water slides to the pool – two 200-foot winding water slides and one 90-foot speed water slide – which are among the tallest and fastest resort pool slides in the area. Other poolside amenities include a grill and bar for casual dining and cocktails, and a zero-entry kid’s pool with a water playground. Every week, guests can look forward to live poolside music on select days, snow cones every Saturday and a nightly poolside laser light show.

Lake Buena Vista Resort Village and Spa 

The kid-friendly zero-entry pool features a shipwreck with shooting water cannons and a slide. And with two hot tubs, a sunning deck and Lani’s Luau tiki bar, hanging out around the water is just as nice. For more peace and quiet, adults can unwind by the relaxation pool where Florida sunshine, palm trees and tropical plants provide the ingredients for a stress-free vacation.

The best hotel pools in Orlando: Universal & Walt Disney World resorts

Universal Orlando Resort has five resorts on its property, all of which, as expected, have excellent pool areas. Our two favorites are the Four Diamond Rated Hard Rock Hotel and Loews Royal Pacific Resort.

Music is at the center of the Hard Rock Hotel’s 12,000-square-foot pool and accompanying sand beach. There’s even an underwater sound system so that you never have to miss a beat. Plus, something fun is always going on around the pool, including weekly dive-in movies, hula hoop contests, pingpong tournaments and live DJs and music. The Loews lagoon-style pool is also set on a white-sand beach and impresses with children’s water play areas, a poolside bar and a biweekly luau with hula and fire dancers.

Book your stay at Hard Rock Hotel Orlando & Loews Royal Pacific Resort. Don’t forget that AAA members save more at Universal Orlando.

Four Seasons Resort Orlando at Walt Disney World 

One look at any of the several pools at this AAA Five Diamond hotel and you’ll want to dive right in. The extensive family-style pool area includes a family hangout called The Mansion, which offer activities such as outdoor table tennis, pool tables, bocce ball and two 242-foot waterslides. But the fun doesn’t end there. The hotel also has a lazy river, an interactive “Splash Zone” set among columns of ruins, an underwater audio system, a poolside smokehouse for snacks and a tranquil adults-only pool and hot tub – all within 5 miles of Main Street USA.

Disney Polynesian Village Resort And Spa 

An original Walt Disney World Resort hotel, the Polynesian recently got a facelift, which included a few updates to its pool area. Following the exotic island theme, the resort’s Lava Pool features an erupting volcano structure with a waterfall and 142-foot waterslide. If you’re hungry, stop for a bite at the Barefoot Pool Bar. A brand new addition is the Kiki Tiki Splash Play area for the little ones and for the first time in Disney resort’s history, a hot tub with an infinity edge. For those hoping to be a bit more low-key, there’s the quiet Oasis Pool and Oasis Bar and Grill. Grab a Dole Whip and enjoy!

Disney’s BoardWalk Inn 

At the end of any good boardwalk you’re likely to find a carnival, and Disney’s BoardWalk is no exception. The carnival-themed Luna Park pool is so much fun. What makes it one of the best hotel pools in Orlando? It has a waterslide that looks like a roller coaster, water-spouting circus elephant statues, a kiddie pool and Leaping Horse Libations, a pool bar that looks like a carousel. Two leisure pools are also available, each with its own whirlpool spa.

Disney’s Caribbean Beach Resort 

Disney’s Caribbean Beach Resort is divided into six villages – Trinidad North, Trinidad South, Martinique, Barbados, Aruba and Jamaica – and each has its own leisure pool. But the main pool really impresses. The Fuentes del Morro pool is designed to look like an old Spanish citadel, with towers, water cannons and two water slides. In addition to a children’s pool, little kids will love splashing around in the shipwreck play area.

Find exclusive offers at Walt Disney World!

All of the themed Disney value resorts (All-Star Music/Movie/Sports Resorts, Pop Century Resort, Art of Animation Resort) carry over their fun themes to their pool areas. For example, the Three Diamond Rated Art of Animation Resort has a “Finding Nemo” pool with an underwater sound system that transmits friendly messages from Nemo and Dory!

What do you think are some of the best hotel pools in Orlando? Share with us in the comments.

Plan and book your next Orlando getaway with AAA. 

Choosing the right clothes (and fitting them into your luggage) is a pre-trip chore most travelers dread. The good news: When deciding what to pack for a river cruise vacation, if you follow a few easy rules you should be ready to face any situation – from a walk beneath the rain-splashed Dutch windmills of Kinderdijk to an elegant evening at the opera in Vienna.

By packing versatile staples that can work for both day and night, couples can transform their look to dinner appropriate with the simple addition of an eye-catching necklace or a men’s suit jacket and a change of shoes. Such key pieces (washable if possible as many ships have laundry service) work with easy-to-pack accessories (such as pashminas, silk scarves, bold jewelry) that can turn basics into head-turners.

And always bring one cocktail-appropriate dress and a shirt and tie; the captain’s cocktail, while not formal, is usually the dressiest night onboard. Here’s what to pack for three key regions:

Packing for a European river cruise vacation: Spring & fall

 If you’ll be cruising from March through May, think lightweight layers and rain gear. There’s a reason so many tulips, daffodils and hyacinths bloom in Holland, Belgium and France this time of year and it’s thanks to Mother Nature weeping with joy that winter is finally over (thinking of it that way makes the rain less annoying). Weather in the fall, especially northern countries from late September to early November, can be changeable, too, so be prepared to get wet.

For daytime: Comfortable shoes, sneakers or boots with sturdy soles are ideal for navigating the cobblestone streets of Europe’s old towns on foot. A waterproof jacket with a hood and an umbrella are essential, too. If jeans or khakis worn with lightweight sweaters, T-shirts or polos are your style, you’ll fit right in. Leggings paired with tunics and long cardigans are another easy option.

For evening: Palazzo pants and trim trousers that can be mixed and matched with different blouses and lightweight sweaters should be a staple – as should ballet flats and mid-heel pumps or sling-backs. Lightweight, easily packable dresses topped by a sweater or a simple sheath worn with a pashmina are elegant enough for most evenings. Men can pack a suit, but a sports jacket and tie will suffice if daytime pants aren’t too casual to pair with it.

Packing for a European river cruise vacation: Summer

 To dress comfortably from June through August – especially if your cruise is in southern Europe, which is known to suffer heat waves – think breathable materials in light colors and comfortable rubber-soled sandals designed for walking. Avoid silk and pack a brimmed hat, sunglasses, sunscreen and a purse-size umbrella (it will come in handy when waiting in line in the sun at popular tourist sites). If you’re river ship has a small pool or hot tub (check your deck plan), pack a swimsuit and cover-up as well.

For daytime: You’ll want to beat the heat, so shorts or capris and cotton T-shirts are a good option, but if you’re partial to tank tops or sleeveless sundresses, pack a coordinating lightweight sweater or shawl (to cover shoulders if a churches or other religious site requires it).

For evening: Daytime sundresses can be glammed up with jewelry and strappy sandals; crisp polo shirts or button downs with khakis or dress trousers are fine for men on most evenings. Do bring a cocktail dress and a jacket and tie, which you may feel more comfortable in if you have a night excursion or a special onboard celebration.

Packing for a European river cruise vacation: Winter

 The most important thing you’ll want to pack for a river cruise vacation at this time of year is a pair of warm boots with rugged non-slip soles. You are more likely than not to encounter snow while enjoying a Christmas Market cruise through Germany, Austria, France, Hungary and the Czech Republic. A warm coat, preferably weatherproof, plus a hat, gloves and scarf are also necessities.

For daytime: Think casual, comfortable and warm – wool, cashmere, polar fleece, corduroy and heavy denim. You’ll need to bundle up while exploring the markets, so wear layers you can easily remove so you don’t overheat when you head inside to visit a church or museum.

For evening: Being the festive season, the dress code can be a bit fancier on these cruises, so pack a few party-appropriate pieces so you don’t feel under-dressed for any celebrations that arise.

Packing for river cruise vacation: More international destinations

Asia

 It’s often oppressively hot along the Mekong and Irrawaddy rivers in Cambodia, Vietnam and Myanmar, so as you ponder what to pack for a river cruise in Asia be prepare to sweat. Breathable fabrics are a must, as are hats, sunglasses, sunscreen, bug repellent and a swimsuit (if your ship has a plunge pool or if you’re planning a pre- or post-cruise hotel stay). Pack light colors in loose layers and pack sturdy sneakers or walking sandals.

For daytime: Opt for loose linen pants or convertible expedition pants/shorts that you can unzip to cool off during midday (when bugs are less active) and cover up at dawn and dusk to avoid pesky bites. Pair them with tank tops worn under a long-sleeve shirt in a lightweight or wicking fabric.

For evening: Sundresses or flowing, lightweight pants and skirts paired with cotton tops and strappy flat sandals are appropriate and comfortable. Men should pack polo shirts and crisp cotton or linen shirts to wear with lightweight trousers and slip-on loafers.

The Amazon

 It’s hot, humid and buggy year-round, so be prepared to do battle with the sun and insects. Breathable fabrics – cotton and linen pieces or moisture-wicking active wear – are a must. You’ll also want to pack a light scarf to cover your neck and face while on deck or in sightseeing skiffs at sunset when insects appear like kamikazes.

For daytime: A hat, sunglasses, sunscreen and insect repellant are musts. Long pants and long sleeve shirts in lightweight fabrics are, too. Sneakers or sport sandals (which you might want to wear with socks) with good grip are helpful for getting into and out of sightseeing skiffs. Winning best-dressed isn’t the goal here; not being eaten alive by giant mosquitoes (or piranhas) is.

 For evening: No other river cruise vacations are as casual the Amazon, so you can pretty much wear whatever you feel most comfortable in. Pants and shirts suffice for both sexes – no need to pack dresses or suit jackets – but you can trade your sneakers for casual sandals or slip-ons.

What would you make sure to pack on your river cruise vacation? Tell us in the comments. 

Book your river cruise vacation with AAA. 

Credit cards are powerful tools — allowing you to earn serious rewards, track expenses and improve your credit score, but there’s also a dark side. Credit cards make it incredibly easy to spend beyond your means. Overspending and high interest rates will quickly deepen your debt, sending your financial security into a tailspin.

Is credit card debt creating stress and anxiety in your life? Here are some simple tips to help you manage debt without giving up your credit cards.

Choosing the Right Credit Card

The first step toward proper credit care is choosing your cards wisely.

With thousands to choose from, it may seem daunting to find a card that suits your needs. To narrow down your choices, start by figuring out which type of credit card will fit your lifestyle, spending habits and financial situation.

• Rewards Cards – From airline miles and gas rebates, to gift cards and cash back, rewards cards compete for your business by offering incentives to spend more with your credit card. Rewards cards can be a good fit if you travel a lot or are loyal to a specific brand. The downside? Rewards cards generally come with a high interest rate, which means they are only worthwhile if you pay off your balance each month.
• Low-Interest Cards – Low interest cards are usually reserved for people with excellent or very good credit. If you fall into this category, congratulations! These cards are great for everyday use and are also useful for large purchases because you can pay them off slowly without a huge financial penalty.
• Balance Transfer Cards – These credit cards work by allowing you to transfer balances from high interest credit cards to one with a lower rate. Often this will be an introductory rate as low as 0 percent that goes up after six months or a year. This is a great option for consumers who are struggling to make payments on high-interest cards.

Wiping Out Credit Card Debt for Good

For better or worse, credit cards give you the ability to spend more than you make each month. When you fail to pay the balance on your card in a timely manner, the debt can quickly snowball, increasing your balance and your monthly payment until it becomes hard to manage. To rein in debt, you will have to be disciplined about your spending habits while paying down your balance. Here are some simple ways to eliminate that credit card debt for good.

• Don’t Use Your Cards – The quickest way to keep your monthly payments from increasing is to stop using your cards. Switch to cash or a debit card for most items and save your credit card for emergencies.
• Pay More Than The Minimum Balance Each Month – Your credit card’s monthly minimum payment is just a small percentage of your total balance. Paying the minimum will do little to reduce your balance, as interest will continue to accrue. Try to pay at least double your minimum balance each month.
• Pay Off Your High Interest Cards First – Cards with the highest interest rates are costing you the most money. Use any extra cash to pay down these credit cards first. Pay just the minimum on your other cards, then work your way through each of your credit cards in turn, from the highest rate to the lowest.

Building Credit Responsibly

Good credit is important for anyone who wants to buy a house, start a business or take out a loan. Here are a few tips to help you build and maintain good credit.

• Keep Tabs on Your Credit Score – Your credit report is a summary of your borrowing and repayment history. This information is the basis of your credit score. A higher credit score will entitle you to lower interest rates, while a lower score will make it tougher to get loans and make large purchases on credit. Get your free credit score from AnnualCreditReport.com.
• Keep Your Accounts Open – Once you pay off credit card debt, you may be tempted to close your accounts, but this is not always a wise decision. Your credit score is partly based on your credit utilization ratio, which measures how much credit you’ve used compared to what you have available. Keep those accounts open for a more favorable credit utilization ratio and a better credit score.
• Pay Your Bills On Time – Did you know that delinquent payments can have a negative impact on your credit score? Create a schedule for paying bills on time or set up monthly reminders on your phone.

Credit cards are easy to get and even easier to use, but excessive credit card debt can impact your credit score, your financial stability and your well being.

Are you taking time to minimize your debt and build healthy credit? What methods work best for you? Let us know in the comments section below.

To learn about all the financial services that AAA offers, visit AAA.com/Financial. 

Ah, Europe. There’s culture, beautiful views and historic sites, all overflowing with tradition at every turn. Some of the most unique and authentic experiences can be found through food, a channel that unites locals and travelers alike. From food tours and cooking classes to meals prepared in a Spanish home and a medieval banquet in Ireland, there are endless foodie encounters for all types of travelers on this cultured continent steeped in tradition.

Unique Eateries

Trattoria Terra Madre
Alberobello, Italy

The philosophy behind this restaurant is unpretentious, yet not lacking sophistication. The farm-to-table ideology is strong here; fresh fruits and other organic ingredients are grown on site with the assistance of compost produced from former meals, resulting in dishes with powerful, savory flavors. Guests relax with drinks while enjoying pasta-rolling demonstrations. Diners can visit the themed rooms of the trattoria to learn about the different stages for growing and harvesting the fresh ingredients, and then enjoy a meal in the trulli (a stone cone-roofed house) or on the veranda.

Bunratty Castle Medieval Banquet
County Clare, Ireland

Dunguaire Castle Banquet
County Galway, Ireland

Slide into a seat at the long, wooden banquet tables with friends and family for a meal led by the Earl of Thomond and featuring song and dance by the Bunratty Castle Singers in this 15^th century castle. While enjoying the entertainment, diners will be treated to a traditional Irish meal washed down with glasses of Bunratty honey mead. Alternatively, travelers can choose to dine at Dunguaire Castle and enjoy a four-course meal narrated by Irish stories and poetry readings.

Galvin Brasserie de Luxe
Edinburgh, Scotland

Set in the city’s West End in the Waldorf Astoria Edinburgh – The Caledonian, this elegant restaurant serves up French-influenced contemporary Scottish fare. Sample dishes might include roast pheasant breast or herb-crusted venison, and a crustacea bar is featured. Insight Vacations features this experience as one of its Celebration Dinners at the end of a trip, which allows travelers to visit with their trip companions, solidifying new friendships in an upscale setting.

Hands-On Experiences

EatWith Meals

Insight Vacations has partnered with EatWith, a company providing travelers with access to a community of local hosts offering authentic food experiences, often in their own homes. Events are available in over 130 countries, including many in Europe. One such offering features a dine-at-home experience in Asturias, Spain, where guests will enjoy the renowned cider of host Flor Santiago and discover her recipe for her ideal pisto (ratatouille). Diners will relish their meal with fellow travelers and new friends in Santiago’s home.

Old Taverna Sorrentina Cooking School
Sorrento, Italy

Looking to learn to prepare meals and eat like a real Italian? Search no further than chef Guglielmo Gargiulo’s kitchen, where he hosts cooking classes that teach travelers to prepare authentic dishes such as lasagna, bruschetta and gnocchi and, to top it all off, tiramisu. Diners will then enjoy their creations with fellow class members. Friends and family stateside will be ultra-impressed with newly fostered abilities to prepare an authentic Italian meal.

Food Tours

The West End Gourmet Tour
Copenhagen, Denmark

Lace up your walking shoes and get ready for an authentic adventure through the streets of Copenhagen’s Meatpacking District (also known as the Ködbyen), where former factory buildings have been transformed into a foodie heaven. The three-hour tour includes tastings of foods like smörrebrod, cheeses, chocolates and akvavit and local brews to wash down the goodies, which will add up to the amount of one meal over the course of the tour.

Bite Berlin
Berlin, Germany

Bite Berlin was founded by local Samantha Reidie, who was looking to share the gourmet magic and traditional dishes of her home city with visitors. Three tours are available, including an excursion to the Turkish market in Kreuzberg and a vegan-centric tour. The most popular tour, however, offers travelers a diverse understanding of German foods as they journey through the old Jewish Quarter and the district of Prenzlauer Berg. The tours are capped at 10 participants, so travelers are sure to get personal attention from the guide. Those looking to extend their experience should ask about Reidie’s supper clubs (a dining and social event) that she hosts in her own home.

Strap on Your Dancing Shoes!

EatWith’s Tapas and Flamenco Fusion Dinner
Seville, Spain

This EatWith experience is worth highlighting for its sheer uniqueness and fun atmosphere. Diners will enjoy a menu highlighting traditional Andalusian dishes such as a tortilla de patatas (a traditional Spanish omelet), espinacas con garbanzos (spinach with chickpeas) and a traditional paella upon request. Travelers will then dive into a one-hour authentic flamenco class led by a professional dancer. Those looking to extend their experience can enjoy a flamenco show.

Scottish Dinner and Cabaret
Scotland

Those wanting to expand their dancing skills should head to Scotland, where they can enjoy a meal accompanied by traditional music and dancing. First, enjoy haggis, the national dish of Scotland, then learn time-honored Highland dance steps while mingling with fellow travelers and hosts clad in customary kilts, all while enjoying the sounds of bagpipes.

Cooking Demonstration

Paella Demonstration at La Cigrona Restaurant
Valencia, Spain

Join the chef of a traditional restaurant in the city center of Valencia for an interactive class to learn a preparation of this timeless dish. Once travelers know the chef’s secrets, they’ll discover the 15 steps to properly eating paella, all while enjoying a glass of a classic sangria.

Learn more about how you can experience the authentic flavors of Europe with AAA Insight Vacations. Happy eating and safe traveling!

Things to do in Santa Fe, N.M.? Where to begin?

Santa Fe is known for its beautiful high-desert landscapes, eye-catching adobe architecture and flavorful Southwestern cuisine (you can also add margaritas to the mix!), but visitors will find plenty more to keep them occupied. There are art galleries, hiking trails and spas – there’s even a modern side with cutting-edge museums and design shops. And be prepared to answer the oft-heard question: Red or green? (Meaning do you want red or green chile sauce with your meal?)

Here are some of the best things to do in Santa Fe, N.M.

1.

Santa Fe Plaza, dating from 1610, is the heart of the city and a good sightseeing starting point for experiencing some of the best things to do in Santa Fe, N.M. It’s lined with shops and hotels, including the historic, AAA Four Diamond Rated La Fonda on the Plaza. Visitors can also enjoy cultural attractions like the New Mexico History Museum, which opened in 2009. It’s housed in the Palace of the Governors, originally Spain’s seat of government in the area.

2.

Gallery hop along Canyon Road, which is lined with art galleries and artists’ studios. You’ll find everything from abstract paintings and bronze sculptures to ceramic tiles and pueblo pottery. If you’re into shopping, Canyon Road will definitely be one of your favorite things to do in Santa Fe, N.M. Friday nights are particularly good times to visit. Galleries and studios are open late on many first and last Fridays.

3.

Visit the Georgia O’Keeffe Museum, on Johnston Street, housed in an adobe building just off the Plaza, which showcases the iconic American artist’s dramatic flower, landscape and animal skull paintings. The museum opened in 1997, 11 years after O’Keefe’s passing. The museum’s 3,000-work collection includes oil paintings, drawings and other works dating from 1901 to 1984. Exhibits change regularly. Those desiring an even closer look at the artists’ life can schedule tours to her home and studio in Abiquiu, about an hour drive north of Santa Fe.

4.

Great restaurants represent some of the best things to do in Santa Fe, N.M., and Cafe Pasqual’s is a perfect example. It’s decorated with murals and Mexican tiles, and is one of Santa Fe’s most beloved restaurants. Join the line for breakfast to try the huevos rancheros with applewood-smoked bacon.

5.

Explore spectacular outdoor beauty with a hike or bike ride through pinon and juniper forests and wildflower-studded meadows in the nearby Sangre de Cristo Mountains. The mountains – spanning New Mexico and Colorado – have 10 peaks over 14,000 feet tall, and several over 13,000 feet tall, including Wheeler Peak, the highest natural point in the state. There are trails of varying length to the top. One of the shortest is about 4.1 miles each way.

6.

Museum Hill, just off the Old Santa Fe Trail, is home to a trio of impressive museums, which collectively represent some of the top things to do in Santa Fe, N.M. The Museum of Indian Arts & Culture has an extensive collection of objects including pottery, textiles, jewelry and other items. Permanent exhibits highlight 400 years of Pueblo pottery, and histories of the Navajo, Apache and Pueblo peoples. The Museum of Spanish Colonial Art showcases pieces created throughout the world since the start of Spanish colonization. The collection totals about 3,700 objects such as paintings, sculptures, furniture, books and other items. The Museum of International Folk Art houses folk art, toys and miniature marketplace scenes, among other items, from more than 150 countries. Its 150,000 pieces represent what is said to be the biggest folk art collection in the world.

7.

Shop for local items (fresh goat cheese, organic eggs, green chile-infused chocolate) in the farmers market in the Santa Fe Railyard, which is also home to an artisan market, modern design stores and 13 acres of open space.

8.

For the ultimate afternoon of relaxation, book a treatment at Ten Thousand Waves, a Japanese-inspired spa offering signature shiatsu massages and soaks in open-air wooden hot tubs. The facility also has 13 lodging rooms, and guests are encouraged to wear casual-style kimonos around the property.

9.

A local institution, Tomasita’s should be part of any itinerary highlighting things to do in Santa Fe, N.M. It’s the place to go for traditional Southwestern fare. Start out with freshly made guacamole and chips, then dig into delicious entrees like enchiladas and quesadillas.

10.

No tour of the best things to do in Santa Fe, N.M., would be complete without trying a margarita, but you can also sample craft beer at the Santa Fe Brewing Company and small-batch whiskey and gin in the tasting room at Santa Fe Spirits.

Have a favorite spot in Santa Fe? Gone on a Pink Jeep Tour or know of other fun things to do in Santa Fe, N.M.? Share with us in the comments. 

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

Layovers can be a bit of a double-edged sword. On one hand, you can save money on your airline tickets when you include a connecting flight. On the other hand, you might have hours to kill while you wait for your next flight. The key to surviving an extended layover is taking advantage of all the in-airport amenities around you.

Get Some Exercise

We all know it’s hard to stay in shape while traveling. You’ve spent hours in a cramped space — why not take advantage of your downtime to stretch, get your blood pumping and your muscles working? If available, you can hit an airport fitness center, which typically offer day passes for non-members. If a fitness center isn’t available or you are not looking to hit the gym, then you can:

• Channel your inner mall walker by spending 30 to 60 minutes doing brisk laps around the terminals.
• Lie your yoga mat down in a quiet spot and practice your favorite yoga flow.
• Find an area that isn’t busy and do 20 minutes of circuit training using your favorite bodyweight exercises, such as lunges, squats and jumping jacks.

Go to the Spa

Many airports feature day spas nestled inside. Depending on the facilities, you may be able to choose between a massage, facial, manicure or pedicure. Personal spa time can help you unwind and reduce any pre-flight jitters as well as act as a relaxing way to pass the extra time you have on your hands before catching your next flight.

Grab a Meal

Airport food doesn’t exactly have the best reputation, but in recent years, the in-terminal foodie scene has been stepping up its game. Today, many airports offer a blend of fresh options when you’re trying to figure out where to eat.

Gastronomes waiting for a layover flight in Salt Lake City, Atlanta, or San Francisco can sample some of “Iron Chef” competitor Cat Cora’s gourmet fare at the in-airport outposts of her restaurant, Cat Cora’s Kitchen. John F. Kennedy International Airport in New York City features the French cafe, La Vie, while Boston Logan International Airport’s Legal Sea Foods outpost lets travelers get their fill on their favorite ocean edibles.

Browse the Shops

A growing number of airports offer high-end shopping, including jewelry and fashion stores. In fact, the airport retail market is expected to top $90 billion by 2023. Many airports are ramping up their shopping experience, and several are already favorites among shoppers, including:

• San Francisco International Airport, featuring an organic cosmetics shop, local goods and gourmet sustenance.
• Detroit Metropolitan Airport, with trendy shops such as Hugo Boss, Estée Lauder Beauty Boutique and Dylan’s Candy Bar.
• London’s Heathrow Airport, which has more than 400,000 square feet of space for shoppers to browse brands like Dior, Burberry, Gucci and more.

Check Out Special Attractions

If you’re lucky enough to be waiting for a layover flight at an airport that includes major attractions, then you’ll have plenty to fill your time. Some airports with standout in-airport activities include:

• Singapore International Airport, featuring a lush butterfly garden, movie theater and the tallest water slide in the country.
• Nashville International Airport, which regularly hosts live concerts on four stages for travelers and locals alike.
• Amsterdam Airport Schiphol, offering city tours with the Floating Dutchman that start and conclude at the airport.
• Palm Beach International Airport, which provides a putting green where you can practice your swing while you wait for your flight.

What are some of your favorite things to do during a layover? Share your advice with us in the comments. 

Originally published on Hertz.com.

You don’t have to be a chef at a AAA Diamond Rated restaurant to learn how to cook up meal plans that can save money. Budget-conscious shoppers swear by seven-day meal plans as a cheaper and healthier alternative to eating out. As an added bonus, sticking to meal plans means you’ll increase your savings and live greener because you’ll likely lower the waste you produce.

The purpose of planning your meals is to limit eating out and use what food you have in your refrigerator, cupboards and pantry to cook your breakfast, lunch and dinner. Whatever else you need for specific meals, you’ll buy at the grocery store. But not before you fastidiously plan out your meals for the entire week to make sure you only buy what you’ll use.

The secret to success is in the planning. That means no more wasted leftovers and no more last minute sodium-rich Chinese takeout at work because you forgot to pack a lunch. Sounds simple, right? Now you can start prepping.

Starting your meal plans

Whether you’re a great chef or a microwave cook, anyone can stick to meal plans. The hardest part is the planning process, which will require some time to formulate a calendar, recipes, and a shopping list. There are various ways to organize your meal plans.

To start off, figure out what will work best for you and your family. If you’d prefer using your smartphone, there are numerous free meal plan apps to download like Pepperplate, which has a database of recipes. The app allows you to import recipes, build meal plans and create shopping lists. The Mealime app is another digital meal plans option that lets you build grocery lists based on your food preferences and allergies. It also has a cooking mode app that stays active so you can follow a recipe while you cook.

Of course, the old paper and pen method is also effective. Create a grid with the days of the week in separate rows on the left side of the paper. In columns, list breakfast, lunch and dinner. Plan out what you’ll eat everyday of the week for each meal. For example, do you already have cereal or oatmeal that you can make for breakfast? Plug those meals in. Do you have plans to eat out with friends? List any birthday parties coming up this week or free lunches at work. Once that’s filled out, you can move to the next step.

What’s your budget?

Before you hit the grocery store aisles, figure out your savings goal. What’s your food budget and how much of a savings are you looking to get from meal planning? Also browse your bank records to see what you usually spend on a weekly basis eating out, grabbing coffee and purchasing groceries. Where can excess spending be cut?

With an idea of your typical spending habits, figure out your savings target. Taking into consideration the number of people in your family, what’s realistic to spend on meals per week or per day? Having a savings goal will help you stay on track. Maybe you are saving for a Hawaiian vacation, a new TV, or perhaps you simply want to increase your personal savings.

To give you an idea of what you can realistically live off, consider this: A single male and female between the ages of 19 to 50 years old can live off a thrifty meal plan between $37.90 to $42.80 a week, according to the USDA. And a family of four can budget and create nutritious meal plans that cost between $129.40 and $148.30 a week.

Let’s go shopping

With your meal calendar filled out, now you can create your shopping list. Don’t get overly ambitious cooking. Opt for recipes that you know you’ll have time to make. There’s a treasure trove of cheap and fast recipes available online from roasted chicken and vegetables to walnut lentil patties.

It’s time to go shopping after you’ve completed your meal calendar, downloaded your recipes, and written out your grocery list. Make sure you don’t shop on an empty stomach and buy things that aren’t on your list. Also be sure to find coupons and sales that can boost your savings. Check your meal planning apps to see if they offer information about store or manufacturer coupons.

By implementing meal plans you’ll contribute to your saving and limit your waste. Americans created 254 millions tons of trash in 2013 and recycled about 34.2 of that, according to the U.S. Environmental Protection Agency. With meal planning there’s no more tossing out spoiled leftovers or takeout containers.

Creating meal plans can also help you lose weight. When you prepare meals at home, you’re more closely monitoring your salt, fat and sugar intake. Weekly meal plans are is essentially a diet plan that also saves cash. How’s that for an incentive to start meal planning?

Have a go-to cheap dinner recipe? Had any success with meal plans of your own? Share your story with us in the comments section below.

To save even more money, visit AAA.com/Discounts. 

The way you present yourself says a lot about you. And dressing out-of-date isn’t a good look on anyone. It’s important to do a little research each season to make sure your clothing fits with the times. Read on to get caught up on some of the most popular looks in men’s fashion this year.

Of course, the real secret to having good style is less about what you’re wearing and more about how it makes you feel. Make these trends work for you and your individuality and take on the world with confidence.

Tailoring

A classic suit never goes out of style. Yet in recent years, casual sportswear has undergone a renaissance. In a sharp rebuke to that trend, 2019 should emerge as the year of the finely tailored suit. Don’t expect the causal look to completely go away, but men are expected to take more opportunities to don their finest threads, tailor-made to their frame, and in non-traditional colors like emerald greens, rich wine shades and camel.

Corduroy

Denim is a staple of any wardrobe, but for days when you want to change up the routine, try corduroy. Its velvety texture is particularly suitable for the fall and winter. And get rid of any preconceived notions you may have about corduroy. It’s not just for casual looks; the fabric can even be worn to formal events if done right. It also doesn’t need to be worn solely in dark colors. Try it in blue for a more contemporary look.

Neutral Shades

Every new fashion season needs a color palette. For 2019, it’s neutral shades. Gone are the days when brown and its accompanying shades equaled drab and dull. Beige and chocolate, along with dark blue, gray and black, have become key colors in men’s fashion. Try wearing basic or base-layer clothing in neutral shades and add color with layers and accessories.

Plaid

Plaid isn’t anything new, but a growing trend to look for in 2019 isn’t the pattern itself but the clothing item adorned with it: pants. Plaid pants can range from edgy to subtle based on the variety of the pattern, making it versatile depending on the setting. Generally, the smaller the size of the print, the more formal the look.

Cowboy Boots

The Southwest is quickly becoming an inspiration for fashion designers, and there’s no better proof than in the reemergence of cowboy boots. Unless you are, in fact, a cattleman, the idea of wearing their eponymous boots in everyday life is far-fetched. But cowboy boots have some distinct advantages. From a distance, they can appear like quality leather boots. Up close, any decoration will add a distinctive flair to your look. And if you’re on the shorter side, the heels can give you up to two inches in height. If you’re outside of the Southwest, it is sure to be a conversation starter at the very least.

Confidence

All the dapper clothes in the world can’t cover up a lack of confidence. Feel at the top of you game with Control GX from Just For Men. It’s the first shampoo to gradually reduce grey with every shower. Keep some grey or wash it all away – use it until you like what you see. Throw on a smile for the perfect look.

What new trend will you try this year? 

The shores of the southern New England coast lend beautiful outdoor adventure opportunities for every season and, perhaps most famously, miles of pristine beaches. The area has an abundance of fantastic vineyards and wineries, where visitors can enjoy wine tastings, wine tours and lazy afternoons sipping their favorite – or a newly discovered favorite – varietal while listening to live music or simply relaxing.

Those looking to tour the many fine vineyards and wineries of the area need look no further than the Coastal Wine Trail, which highlights many of the wine properties located within the Southeastern New England Wine Growing Appellation, a designation of the American Viticultural Area. This region stretches from Cape Cod through the south coast of Massachusetts across coastal Rhode Island and along the Connecticut coast of Long Island Sound. This AVA boasts a long, cool growing season, thanks to the cool ocean waters combining with the warm Gulf Stream waters that grace the region during the summer and early fall.

The Coastal Wine Trail was incorporated over 10 years ago by its member vineyards and wineries, who hoped to bring awareness to the region’s fantastic wine-growing potential, as well as to the fact that wines are being produced from grapes that are traditionally classified as Old World.

“They wanted to draw attention to the fact that this was a legitimate wine area and that they were growing legitimate wines here, instead of having it just be a blip on the map.  They wanted to establish that there was a wine presence here,” said Maggie Harnett, a public relations representative for the Coastal Wine Trail.

Visitors interested in touring the trail can pick up a passport at any one of the 14 wineries and vineyards. The passport includes a map, descriptions of the properties and incentives to collect stamps at each stop, including the chance to win the 2018 grand prize: a five-day trip to an all-inclusive resort in the Dominican Republic.

If you’re planning to tackle the wine trail on your next trip to the New England coast, whether you’re dedicated to hitting all 14 stops or are aiming for just two or three, we’ve summed up each one to help you decide which wine tours and wine tastings are perfect for music-loving merlot drinkers and which are ideal for the culinary- and sparkling wine-inclined.

And, as always, as you head out on your wine journey along the New England coast, be safe, be sure to designate a sober driver and never drink and drive.

Wines of the New England Coast: Connecticut

Maugle Sierra Vineyards
Ledyard, CT

The tasting room at Maugle Sierra Vineyards is housed in a rustic, barn-like structure with exposed beams and glass doors that open out to rows of vines. Here, visitors can not only participate in wine tastings, but enjoy them in front of the stone fireplace or bring their own picnics for wine tastings on the patio. There is live music almost daily, sometimes during the day while others at night on the sunset deck. Popular wines produced from the 11 acres of vineyards include 1740 Ledyard White, a crisp chardonnay with a bouquet of apricots and pears, and the very trendy Rendezvous, a blend of Long Island riesling, chardonnay and estate-grown cayuga.

Preston Ridge Vineyard 
Preston, CT

Set atop a hill in eastern Connecticut with sprawling views of the surrounding countryside stretching for 20 miles, Preston Ridge Vineyard draws inspiration for its decor from its country environment. Wine tastings take place in the property’s big blue barn, where the tasting room offers 10 varieties of wines, two of which are estate-grown. One of the most popular is the Estate Harvest Blend, a concoction of vidal blanc, traminette and riesling grapes. The vineyard is also a great destination for non-wine focused fun, including live music on Friday evenings and Sunday afternoons and occasional visits from food trucks.

Jonathan Edwards Winery 
North Stonington, CT

Jonathan Edwards Winery prides itself on existing through the successful marriage of two regions in the wine industry: the New England coast and California’s Napa Valley. The winery itself is classically New England, set on 50 acres of farmland in Connecticut, yet visitors can still sense influences of Napa Valley within the custom-built wine bar and tasting room. In fact, the owners produce wine on both the New England coast and California coast, allowing visitors to taste and purchase wines from both areas at their Connecticut location. Wine tastings take place on the weekends.

Stonington Vineyards 
Stonington, CT

Stonington Vineyards’ winemaker, Mike McAndrew, has a very simple philosophy when it comes to doing his job well: “Grow sound fruit, pick when ripe and make great wine.” And so Stonington Vineyards does; it’s best known for its barrel-fermented chardonnay and proprietary blends Seaport White and Triad Rose. The winery recently underwent an upgrade and now features a renovated tasting room, and comprehensive educational wine tours are offered daily during the peak season. Music lovers should stop by for one of the Friday night summer concert series and foodies should be sure to score tickets to the September “Harvest Food and Wine Festival.”

Saltwater Farm Vineyard 
Stonington, CT

Saltwater Farm Vineyards is set on 100 acres, 15 of which are planted with six varieties of grapes, all of which are bordered by tidal marshes and the Long Island Sound waters of Wequetuquak Cove. The winery isn’t housed in your average building; it’s fashioned in the interior of a vintage World War II airplane hangar. The tasting room is located on the mezzanine level, offering views of the vineyard and the well-preserved grass landing strip. Visitors can enjoy a wine tasting of the vineyard’s chardonnay, sauvignon blanc or rose, or choose to attend musical concerts offered in the summer.

Wines of the New England Coast: Rhode Island

Langworthy Farm Winery 
Westerly, RI

This quaint boutique winery also has a bed and breakfast on the property and is located just a few miles away from some of the most popular beaches on the New England coast, including Misquamicut State Beach and those of Watch Hill, Rhode Island. The property offers weekend wine tours and wine tastings of vintages grown from vinifera grapes, named after local geographical treasures, including the Avondale Cabernet Merlot and Haversham Chardonnay. Visitors can sip wine on the deck or under the winery’s giant Norway maple tree.

Newport Vineyards 
Middletown, RI

Newport Vineyards takes advantage of Aquidneck Island’s prime real estate, a result of the Southeastern New England Wine Growing Appellation’s ideal farming climate, nurturing its 50 acres of vineyards, set on a hill just 2 miles from the ocean, to thrive. In fact, the property is home to two vineyard farms: Perry Farm, which grew potatoes until it was acquired by the vineyard only a few years ago, and Nunes Farm, site of a 1701 farmhouse and where eight varieties of grapes are grown.

Winemaker George Chelf has a minimalist philosophy, believing that the grapes’ inherent qualities should be preserved, rendering wine through making the fewest possible changes to their innate character.  The result is some truly delicious wines, which can be enjoyed during wine tastings in the tasting room. Visitors can embark on wine tours, including tasting room tours, or simply relax at one of their lives music events in the summer.

Newport Vineyards has not one, but two restaurants on property. Brix offers a contemporary feel with windowed walls presenting peeks into the winemaking barrel room as well as sweeping views of the vineyard. The menu features grilled pizzas and seafood entrees, paired, of course, with Newport Vineyards wines. The more casual Vineyard Cafe focuses on locally sourced fare and small plates including cheese and charcuterie.

Greenvale Vineyards 
Portsmouth, RI

Set along the Sakonnet River in Portsmouth, a town on Aquidneck Island off the New England coast, Greenvale Vineyards is a rustic diamond-in-the-rough just 6 miles from the tourist-laden streets of Newport. The tasting room is housed in a former stable and listed in the national and state registers of historic places, and the land has been owned and maintained by the same family since 1863. The vineyards harvests cabernet franc, chardonnay, vidal blanc and pinot gris grapes and has dedicated itself to ecologically responsible farming practices and the preservation and maintenance of open space. Head to the tasting room on Saturday afternoons for “Jazz Tastings,” which feature, of course, live jazz music.

Carolyn’s Sakonnet Vineyard 
Little Compton, RI

Carolyn’s Sakonnet Vineyard is located in Little Compton, Rhode Island’s easternmost town, bordered by both Narragansett Bay and the Atlantic Ocean. This coastal location allows the vineyard to produce over 30 acres of award-winning grape varietals including chardonnay, gewürztraminer, pinot noir and vidal blanc. Visitors can enjoy wine tastings on the grounds and order food off the winery’s picnic menu to accompany their tasting. Head to Carolyn’s Sakonnet Vineyard for the live music concert series in the summer to enjoy the sounds of music, the taste of wine and the feel of the crisp ocean breeze on your face.

Wines of the New England Coast: Massachusetts

Westport Rivers Vineyard & Winery 
Westport, MA

The Westport Rivers Vineyard & Winery is massive: The 80-acre property is operated within the site of a 435-acre farm. You know the wine here is good because the vintners have not only made it their lives’ work to produce great wine, but their family’s work – they’ve been at it for five generations. Wine tastings take place in the wine bar or on the property’s lawn and Saturday wine tours include peeks into the wine cellar. Visitors will also find the taproom of Westport River’s sister company, Buzzards Bay Brewing, on site, and can taste their beer in between sips of wine. The property also offers a variety of seasonal activities for visitors, including food truck visits on Saturdays in the summer.

Coastal Vineyards 

South Dartmouth, MA

Coastal Vineyards prides itself on producing “creative fine wines from estate-grown grapes.” The family-owned boutique winery grows 12 varieties of grapes on 10 acres of vineyards and opens its tasting room to the public on weekends for wine tastings. The tasting room host, Bob Tiedemann, is also a chef, and enthusiastically and knowledgeably explains each wine and offers suggestions on food pairings. Locals to the New England coast will also find wines from Coastal Vineyards at various nearby farmers markets.

Running Brook Vineyards & Winery 
North Dartmouth, MA

Running Brook’s owner, Pedro Teixeira, spent much of his childhood in Portugal, an upbringing that seeps into his wine making philosophy and passion for the craft. While the winery serves what it says is 100 percent local wines made from grapes grown in their vineyard and nearby vineyards in Dartmouth and Westport, including chardonnays and merlots, Teixeira also produces unique Port-style wines. The company also owns and operates RB Distillery, which produces the barrel-aged Black Sheep Brandy, as well as grappa and brandy-based flavored liqueurs. Along with wine tastings, the winery also features family-friendly free local music events on Sundays.

Travessia 
New Bedford, MA

In Portuguese, Travessia roughly translates to “a trip across a great distance of sea or land, a passage, a journey of life.” So has been winemaking for Travessia’s owner Marco Montez, who has been making wine since he was a child, growing up in Portugal, where, he says, “Grape stomping with one’s feet was not a romantic way or a cool way to crush grapes, it was the only way.”

Today, the self-taught winemaker operates his micro-winery in downtown New Bedford, a city set right on the New England coast. He produces small lots of wine, working primarily with chardonnay, pinot grigio, vidal blanc and pinot noir grapes. Those attending wine tastings at Travessia will have the added advantage of being able to sample wines produced at his family’s vineyard and winery in Portugal.

Truro Vineyards of Cape Cod 
North Truro, MA

In Truro, at the northern tip of Cape Cod, there are no stoplights and no mail delivery, but there is one fantastic vineyard. The only vinifera vineyard in the Cape Cod region, the folks at Truro Vineyards grow chardonnay, cabernet franc and merlot, grapes which are hand-picked at the harvest time on the 5-acre farm. Visitors can enjoy wine tastings in the restored 1830s farmhouse or outdoors under the pavilion, or sample fare from the property’s own food truck, run by its restaurant, Blackfish. If delicious wine wasn’t enough, try some of Truro Vineyard’s handcrafted rum or gin from the onsite distillery, South Hollow Spirits.

Have you visited any of these New England coast vineyards and wineries? Tell us your favorite in the comments. 

Plan your next trip with AAA. 

When visiting a restaurant or hotel, we all do our own inspection. Is the service good? Are you getting the most for your money? Is it clean? Whether we’re paying luxury or budget prices, we all have basic expectations when it comes to the places where we pay to dine and sleep.

That’s the start of a AAA Diamond Rating. AAA’s system of hospitality evaluations is based on the standards and priorities that you – the typical guest – look for. Put those guidelines in the very capable hands of AAA’s squad of professional inspectors, and you have a ratings system that you can trust.

I recently had the chance to tag along with Inspector 593* for her review of The Inn at Pound Ridge, a Jean-Georges Vongerichten restaurant in the small town of its namesake in Westchester, NY. Now I’m inviting you to the table for an up-close look at how AAA restaurant ratings are determined.

*To maintain their anonymity, AAA inspectors are referred to by their designated number.

In her nine years as a AAA inspector, Inspector 593 has reviewed hundreds of hotels and restaurants. An average day at the office (i.e. her car) includes driving around her assigned territory to review a minimum of four establishments per day, typically three hotels and one restaurant. With each covering a designated region, there is an inspector behind the nearly 59,000 AAA Approved and Diamond Rated hotels and restaurants throughout the United States, Canada, Mexico and the Caribbean.

Like most inspectors, her background is in hospitality, and like all others in the position she has been thoroughly trained to complete AAA’s rigorous evaluation process. But more than anything, she says, those looking to take on the job must be willing and able to live the demanding lifestyle.

Because as fun as enjoying top-rated restaurants and hotels for work may seem – and make no mistake, it definitely is – it’s not always all that easy or glamorous. Inspector life is a commitment that requires a lot of time on the road and many miles logged.

AAA Diamond Ratings: A Seat at the Table

I hopped into Inspector 593’s “office” and we drove up to the restaurant together, making our way through the narrow, rural roads to the town of Pound Ridge, which sits right on the edge of where New York and Connecticut meet.

It had been a couple years since the Three Diamond Rated restaurant was reviewed and it was time for a checkup. Restaurant inspections are conducted routinely, with frequency determined by the current rating and whenever there are significant changes like a new owner or menu. Four and Five Diamond properties are reviewed yearly to see if they remain up to snuff.

Inspector 593 described The Inn at Pound Ridge as “on the bubble,” meaning that based on the current AAA Diamond Rating and research, it could easily tip over into the Four Diamond range if the food and service exceeded a certain point. We were both excited to see if it would.

Located in an 1833 former residence and inn, The Inn at Pound Ridge fits right in with its quaint surroundings of charming older homes and historic buildings. But despite its quiet location and an early dinner reservation, the restaurant quickly became busy.

As the dining room filled with large parties celebrating milestones and couples enjoying date nights, Inspector 593 explained that this – a local hot spot, with a top chef owner to boot – is exactly the type of place that catches AAA’s eye.

The Inn at Pound Ridge reflects current trends seen throughout the restaurant industry, serving high-scale, seasonal cuisine in a laid-back atmosphere. AAA Diamond Rating guidelines stay up-to-date on the latest conventions such as these and factors them into the overall rating. Food, service, trends – basically, whatever customers are looking for, AAA is looking for, too.

Inspector 593 acted casual, but I could tell that she was keeping close tabs on every detail from the moment we pulled up to the door and walked in. Was the valet fast and friendly? Did the hostess have the details of the reservation correct? Did they ask to take our coats? Check, check and check. The inspection was off to a good start.

Since all inspections are unannounced and anonymous to ensure the most authentic experience, a certain level of sneakiness is required. So I’ll admit I was a bit surprised when my diligent colleague pulled out her laptop and started to mark her checklist right there at the table.

Maybe it was because I was in on the secret that I felt a bit nervous, but she assured me that it is common practice when the inspection allows. Years ago it would have been a giveaway, but in the age of remote business and Instagram the staff doesn’t think twice about seeing someone out to dinner with their laptop or tablet – or taking pictures of their food (guilty).

Dinner consisted of homemade burrata cheese, crispy sushi and salmon starters, followed by crusted chicken breast with lemon sauce and artichoke hearts for me and rigatoni with meatballs for her. The selection of appetizers and small plates were the real standouts, as were an impressive list of wines, handcrafted cocktails and even sodas (I was a fan of the cherry yuzu soda). And I’m still thinking about the sundae with housemade salted caramel ice cream, caramel popcorn and fudge that I had for dessert.

Inspector 593 carefully scanned the menu, checking to see if it was updated daily or weekly, instead of seasonally, and searching for the obvious use of local ingredients and regional wines. She also kept a close watch on the staff throughout the meal, observing the shift in service as the restaurant became more crowded. When a restaurant is resting “on the bubble,” these are all details that could elevate a Three Diamond Restaurant to the next level.

She noted a lag in service as the surrounding tables were seated, but was impressed by the watchful and helpful bus staff. And although most of the food received a hearty thumbs up for taste, she remarked that the large portion sizes could get in the way of diners enjoying a full dining experience.

Getting to Know AAA Diamonds & How AAA Diamond Ratings Are Determined

After all was said and done, the restaurant held on to its title as a Three Diamond Rated property.

While AAA’s Four and Five Diamond Ratings are the most coveted and best-known, Three Diamond – considered an intro to fine dining – is no small feat. In fact, any Diamond is a good Diamond.

Unlike user-generated websites that weigh an average that represents good or bad, Diamond Ratings generally signify price range. So One Diamond eateries are considered among the best for quick-service, while AAA Five Diamonds top the list of fine dining restaurants.

See this breakdown of what each Diamond Rating means.

The Diamond Rating guidelines that inspectors follow are updated about every five years. They’re calculated from a formula based on studies that show AAA members’ priorities when dining out, as well as industry trends. The research shows that AAA members consider the quality of the food and service to be more significant to the overall experience than the décor, and so the highest value (85 percent) is placed on the former. And if a restaurant doesn’t meet all of the standards, it doesn’t get listed.

The Value of a AAA Diamond Rating

There are plenty of forums on the internet where people can voice their personal “inspections,” openly hyping – or tearing down – a restaurant. These reviews can be biased and sometimes dishonest, yet when looking for a place to eat, many of us will admit to Googling restaurants and letting the stars guide us to our destination.

Sitting beside Inspector 593 as she expertly traversed the inspection, I can tell you that behind every AAA Diamond Rating is a real person. Yes, they are real people who have been to a lot of hotels and restaurants (AAA inspectors review 30,000 restaurants, collectively, per year!), but their experience is part of what makes them so good at what they do. And their reviews are always objective.

AAA inspectors take every meal and hotel stay personally to deliver honest feedback that’s based on an authentic experience.

“The members are literally always on my mind,” said Inspector 593. “It’s not just what I like. It’s what meets [AAA’s] standards, exceeds our standards and what our members expect from us.”

It’s kind of like having a well-traveled friend with high expectations; the type of person you would go to for a good recommendation.

How to Find Restaurants With AAA Diamond Ratings Near You

The next time you’re searching for a restaurant or hotel, add this site to the top of your list: AAA.com/Diamonds.

The recently revamped website makes it easier than ever to find exactly what you’re looking for. Using the Restaurant Search option, simply type in your location and whatever cuisine you’re in the mood for and a list of restaurants in your area will pop up, along with inspector notes and the option to book your reservation through Open Table where available.

You can also find information on Diamond Rated establishments on the AAA mobile app. Inspector 593 praised the app, which she talked about using to find dining in any city she happens to be in at the moment. “The best part is that it allows me to save restaurants that I find interesting so I can quickly find them later,” she said. “I love it and use it all the time in my travels and when I’m working from home.”

To use the AAA mobile app to find nearby restaurants anywhere in country, select the fork icon under Maps and Directions. The app is available for download on iPhone and Android at AAA.com/Mobile.

Follow the Inspectors

Go on your own “inspector shadow.” Stay in touch with the inspectors on social media, where they share photos and notes of the places they’re staying and what they’re eating.

Follow their adventures on Twitter @AAA_Travel, Instagram @AAA_National and Pinterest.

Do you take notice of AAA Diamond Ratings when dining out or refer to them as a guide before you pick a restaurant? Tell us in the comments.

This story was originally published in 2018 and has been updated. The Inn at Pound Ridge is no longer a AAA property, as Pound Ridge is no longer a town that AAA inspects. 

In a world where self-driving cars are reality and drone deliveries aren’t too far away, it’s not surprising that cruise lines are boasting technologies that take cruising to a new level.

Further, cruise lines recognize customers’ demand for the most personalized experience and a whole new slew of amenities, dining options and activities will ensure that your cruise vacation is exactly what you want it to be.

On the best cruise ships, luxury is for all

No longer are luxe amenities limited to penthouse suites. On board the world’s best cruises, special touches like 1000-count sheets, high-end bath products and smart TVs are now the norm rather than the exception. And you can enjoy being pampered whether you’re staying in a veranda suite or an inside cabin.

For example, all of Oceania Cruises’ suites and staterooms feature Prestige Tranquility Beds, which boasts a two-inch-thick, gel-filled “pillow top” cushion wrapped in chamomile-infused fiber. Likewise, Holland America has added not only USB outlets to all headboards, but also LED lights and a new interactive, on-demand TV system to all rooms, all at no additional cost. Bath amenities range from Elemis to L’Occitane, H20 and Bottega Veneta. Celebrity even has its own custom-blended bath products.

Key cards begone!

What if you could walk about the ship without worrying about losing your key? Or losing your friends and family? On Ocean Medallion class cruises by Princess, which include Royal, Regal and Caribbean ships, worry no more! A wearable Ocean Medallion holds your identity and communicates with readers throughout each ship and in select ports. It acts as your key and credit card, and can also locate friends and family around the ship with its Ocean Navigate feature. It also holds your dining and activity preferences, and the Ocean Compass’ Here & Now and There & Then features allows the crew anticipate your needs and serve you when, where and what at precisely the right time.

Rooms with a view

Previously, cruisers with inside staterooms had to head to the deck to see the passing views. Now ships offer a window to the world from the comfort of your room. On Royal Caribbean’s Quantum of the Seas, virtual balconies bring an exterior view to interior staterooms through extra-large digital displays. Royal Caribbean’s newest ship, Symphony of the Seas, also offers floor-to-ceiling real-time displays in every room. Likewise, aboard the Disney Dream and Fantasy ships, a magical porthole provides cruisers with a real-time view of the ship’s exterior taking into account the stateroom’s actual location. The Disney magic continues in its lounge, Skyline, where you can enjoy your cocktail gazing at panoramic views of the world’s skylines, from London to Barcelona and Hong Kong to New York.

Zip, slide and climb your way to fun and fitness.

The best cruise ships now have some of the best activities for fun. Cruisers are no longer confined to staying inside on machines to stay fit, but can take advantage of fun and high-tech ways to get their sweat on. Learn to surf on Royal Caribbean’s FlowRider surf simulator or climb your way to the best view atop two rock walls. Fly around deck on Norwegian Escape’s Sky Rail zip track or get your heart pumping on its ropes course. Or slip and slide down Disney’s Aqua Duck water coaster, which includes a four-deck drop. Pack your swimsuits and pack your nerves because this is a whole new type of cruise vacation.

Cruise ship features to “aww” and “ahhh”

There is no lack of attention to detail on the best cruise ships, and ingenuity and innovation can be seen at every turn. From the enchanted art on the walls of Disney’s Fantasy that can react to a passing guest, to underwater acrobatics and water ballet performances at Royal Caribbean’s AquaTheatre projected onto large LED screens, technological advancements have enhanced the guest experience. True art aficionados can take advantage of Holland America’s extensive art collection through self-guided tours that anyone can download on their iPods.

Remember that you’re on vacation, after all, so take advantage of your sea days to spend the day at the spa, but make sure you book your appointments early to ensure you get your preferred times. The Persian Garden’s aquatherapy experience aboard Celebrity Millennium will take your breath and stress away through moving water and temperature variations, and Norwegian’s Snow Room will get your blood circulating in a truly unique environment.

If you’re rather unwind with a cocktail in hand, soar above deck on Celebrity Edge’s Magic Carpet, a floating platform that reaches heights of 13 stories above sea level giving you the best bird’s eye view as you relax, drink and dine the night away. For a truly futuristic experience, get served by the robot-powered Bionic Bar aboard Royal Caribbean, where robotic arms mix up custom cocktails, and enjoy North Star, a viewing pod that provides panoramic views from 300 feet above the sea.

Eat well, eat often

Cruise ships are well-known for the sheer amount of food available. But on many ships, quality is paramount, with restaurants and activities tailored to the culinary-minded guest. More and more, cruisers are seeing celebrity chefs lending their hands to help shape and influence cruise menus and specialty restaurants. From Curtis Stone on Princess, Arnaud Lallement on Disney and Jaime Oliver on Royal Caribbean, cruise cuisine has been kicked up a notch to ensure that those who want to eat well, can.

On Oceania’s Riviera, La Reserve by Wine Spectator offers seminars, tasting and gourmet food pairings, or you can sign up for cooking school on the ship’s Culinary Center. If you would rather indulge your inner sweet tooth, Princess’ Chocolate Journeys will allow you to do just that.

Stay connected

With slow internet and no cellphone service, cruise vacations used to leave you stranded and disconnected from everyday life. But now, with new satellite and other technologies on board, there’s no reason to be completely cut off while on a cruise. While each company has its own system and prices in place, you can find a way to surf and stream to your heart’s content should you so desire.

What high-tech features are you most excited for on your next cruise? What technology do you expect on the best cruise ships? Tell us in the comments.

Plan and book your next cruise vacation with AAA. 

If you’re retired and looking to supplement your income, you may have heard of something called a reverse mortgage or Home Equity Conversion Mortgage that’s available for senior homeowners. If you qualify, this can be a great financial tool to increase cash flow in your later years. Read on to learn if you’re eligible, how you can apply to reverse mortgage lenders and if a reverse mortgage is right for you.

Reverse mortgages: How do they work?

A reverse mortgage allows homeowners age 62 and up to borrow from one of their most valuable assets – their home equity.

Your home equity is the difference between your home’s value and any debt you owe from mortgages on your home. If your home is worth $400,000 and you owe $50,000 on the mortgage, you’ll have $350,000 of home equity to tap into.

With a traditional mortgage you make monthly payments to pay down the debt on your home, but with a reverse mortgage you receive payments from the equity of your home. You can choose to receive payments monthly, as a line of credit or as a lump sum.

A reverse mortgage will not need to be paid back until the homeowner dies or moves out of the home. The estate will then typically sell the house and use the profit to pay back the loan.

If the proceeds from the sale exceed the cost of the loan, the homeowners’ heirs will receive the extra money. If there is not enough money to pay back the full amount of the loan, the reverse mortgage lender must absorb the financial loss (the debt cannot be passed to the heirs).

Reverse mortgages are insured by the U.S. Federal Government and are arranged through private lenders approved by the Federal Housing Administration.

Are you eligible for a reverse mortgage? 

You may be eligible for a reverse mortgage if:

• You’re age 62 or older.
• You’ve paid off all or most of your mortgage.
• You occupy the home as your primary residence.
• The home is a single family home, multi-family (up to four units) and you occupy one of the units, or HUD-approved condominium or manufactured home.
• The home is in good condition.
• You do not owe federal debt.
• You have the financial means to keep up with all property taxes, homeowner’s insurance, home maintenance and HOA fees.

Is a reverse mortgage right for you?

A reverse mortgage can be a great option if you want to supplement your fixed income in retirement, need a home equity line of credit but don’t qualify, or plan to stay in your home for many years and want to eliminate mortgage payments.

However, a reverse mortgage is definitely not the right choice for you if you plan on moving out of your home soon, want to leave your home to your heirs, or have a spouse or family members who would need to continue living in the home after your death.

Other drawbacks include the upfront costs of initiating your loan. You’ll be required to pay some hefty fees, including:

• Origination Fee: This fee is paid to the lender and is calculated as 2 percent of the first $200,000 your home is worth, then 1 percent of the amount above $200,000. Federal regulations limit this to be between $2,500 and $6,000.
• Upfront Mortgage Insurance Premium: This is paid to the FHA, and is equal to 2 percent of the maximum loan amount.
• Third Party Fees: You’ll need to pay various smaller fees to third parties for the appraisal, title, inspections, closing costs, etc.

How to apply for a reverse mortgage

Interested in applying for a reverse mortgage? Here’s how to get started.

You’ll first need to first receive a free (or low cost) counseling session with a government-approved, independent third party counseling agency. These agencies are not part of the lending transaction and are an impartial party there to help you make an informed decision. The counselor will guide you through exactly how the loan works, and will talk with you about other available alternatives.

You can find HECM counseling agencies near you through the HUD website or by calling (800) 569-4287.

After your counseling session you’ll be able to select a lender. The lender will conduct a financial assessment of your credit history and income sources to determine if you meet the financial criteria for the loan. If at any point you change your mind, you are under no obligation to continue the loan process.

You can search for reverse mortgage lenders near you through the HUD website or the National Reverse Mortgage Lenders Association.

AAA Northeast also offers reverse mortgages. Click here to find a free reverse mortgage seminar near you.

Are you interested in increasing your retirement income? Do you think a reverse mortgage could be the right option for you? Share your thoughts in the comments below!

Learn more about how to save at AAA.com/Financial. 

Set to a soundtrack of country music streaming through the music joints of Lower Broadway, some of the top things to do in Nashville, Tenn., include its museums and music-centric monuments, which collectively make it clear that the epicenter of country music is no one-hit wonder. And, like a crooner who isn’t ready to give up the spotlight, Nashville has evolved into a multi-faceted destination filled with historic sites and thriving art and culinary scenes. You’ll want to rent a car: Some of Nashville’s best sites are located just out of town.

Things to Do in Nashville, Tenn.

1.

Enjoying live music is undoubtedly one of the top things to do in Nashville, Tenn. Get a dose of live music, Nashville-style, at Robert’s Western World, Tootsie’s Orchid Lounge, The Stage on Broadway and the rest of the honky-tonks along Lower Broadway, aka, Lower Broad.

2.

Explore Centennial Park’s full-sized replica of the Parthenon (of Athens, Greece), which was originally built for Tennessee’s 1897 Centennial Exposition and now houses the city’s art museum. It’s one of the top things to see in Nashville, and it’s located on West End at 25th Avenue North. The park has an area for dogs, a 1-mile walking trail, a playground and monuments. For an interesting perspective on the area, enjoy “If Trees Could Sing,” an interactive outdoor exhibit featuring videos with Nashville celebrities.

3.

Listen to original archived recordings and climb aboard a replica tour bus at the Country Music Hall of Fame and Museum, where costumes, instruments and other memorabilia are also on display. The attraction also offers songwriter sessions where artists explain their process and inspiration and film screenings highlighting country music, among other programs. Guests can browse the lineup of inductees in the Hall of Fame Rotunda. After your visit, you’ll know why the museum is one of the top things to do in Nashville, Tenn.

4.

Built in 1929 to house a mirror too large for the Cheek family’s home, the 32-room Cheekwood Mansion is now an art gallery with an outdoor sculpture trail and botanical garden. The gallery includes American and contemporary paintings and sculptures, while the botanical area is comprised of herb, Japanese, water and wildflower gardens. The family of the Maxwell House Coffee fortune built the 55-acre estate. Be sure to check out the Carell Woodland Sculpture Trail where more than one dozen sculptures by regional, national and international artists complement a variety of flora along a nearly one-mile trail.

5.

Make your own printed poster at Hatch Show Print, which has been designing and creating unique promotional posters for concerts, circuses and vaudeville acts since the 1870s. Daily tours are available but reservations should be made in advance.

6.

The John Seigenthaler Pedestrian Bridge is one of the best things to see in Nashville. It stretches over the Cumberland River, offering terrific views of Nissan Stadium (home of the Tennessee Titans), Nashville’s skyline and – if you time it just right – sunset. Travelers with children should check out nearby Cumberland Park. Its 6.5 acres are home to a splash pad, a climbing area and a 1,200-seat outdoor amphitheater.

7.

One of the best things to do in Nashville, Tenn., is to stroll the trendy 12 South neighborhood. You might catch a glimpse of Reese Witherspoon, who owns Draper James, a boutique named for her grandparents.

8.

Catch a show or backstage tour at the Ryman Auditorium, which was built in 1890 as a venue for religious revivals and is blessed with near-perfect acoustics. Dressing rooms are outfitted with local art, rare photos and memorabilia of stars who performed at the Ryman. Visitors can also get a photo taken on the Ryman stage and record their own CD with 19 classic song options made famous by the likes of Elvis Presley, Taylor Swift, Garth Brooks, Merle Haggard, Carrie Underwood and others. Such an opportunity makes it obvious why the Ryman is one of the top things to do in Nashville, Tenn.

9.

Channel your inner Picasso in the Frist Center’s Martin ArtQuest Gallery, an interactive gallery where a variety of mediums are just waiting to be poured, cut, sloshed and brushed into artistic expressions. The center has about 24,000 square feet of gallery space that houses changing exhibitions highlighting local, state and regional artists in addition to larger national and international exhibitions.

10.

Roy Acuff, Carrie Underwood and just about every country star in between has performed at the Grand Ole Opry, a radio stalwart since 1925. Come for a performance and stay for the post-concert tour. Available on nights with only one show, the post-show tour includes a visit to the artist entrance, and on some occasions the chance to step onto the stage! Visitors also get a look at the venue’s 18 dressing rooms and Studio A, where “Hee Haw” was filmed.

Been to Nashville? Have a favorite spot to watch music? Share your experiences with us in the comments section! 

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

This year, AAA is proud to be celebrating 40 years of partnering with Hertz, one of the world’s most reputable car rental companies.

“As AAA’s longest-tenured partner, Hertz shares the association’s commitment to providing our members with exceptional value and service,” said Rick Del Nero, AAA Northeast vice president of travel. The two companies are proud of all the work they’ve done to make car rentals cheaper, faster, and more fun for AAA members with exclusive AAA Hertz perks.

It all began when AAA decided to provide its members enhanced value when renting with Hertz at the airport. 15 years later, AAA declared Hertz as its exclusive car rental partner and in 1998, the program expanded to include off-airport rental locations. Today, the partnership encompasses a plethora of benefits and savings.

Here’s our top 10 list of AAA Hertz perks.

1. Exclusive rates and discounts

As a AAA member, you can save up to 20 percent on daily, weekly, weekend or monthly Hertz rentals. These discounts can also be used with promotional and international rates. Members also receive a discounted AAA Hertz rate available at the time of reservation.

2. No more young renter’s fee

Young car renters get a bad rap. Drivers ages 18 through 24 are considered high-risk, so many car rental companies exclude anyone under 25. Companies like Hertz have done away with arbitrary rental rules.

3. No fee for additional drivers

Anyone who’s taken a road trip knows how helpful another driver can be during long stretches of travel. Usually, you need to pay an extra fee to authorize additional drivers, but not if you’re a AAA member. When renting with Hertz, there is no charge for additional drivers who are also AAA members. Spouses and domestic partners of AAA members can be added as drivers at no additional cost.

4. Free child or infant booster seat

Booster seats can cost up to $15 per day when reserving a rental. Hertz offers a free car seat option for AAA members. No more lugging around that bulky booster seat on your journeys!

5. 10 percent off a full tank of gas

With Hertz, you can purchase a tank of gas when renting, eliminating the need for you to refuel when returning the car. AAA members get 10 percent off a tank of gas if they choose this option.

6. Free unlimited mileage on most rentals

When you rent a car, many rental companies will also charge you for mileage. AAA members receive free unlimited mileage on most vehicles.

7. $10 discount on NeverLost navigational system

The goal behind Hertz’s in-car navigational system is self-explanatory: making sure drivers never get lost again. NeverLost is the perfect traveling companion, providing AAA ratings on hotels and restaurants. AAA members can enjoy the feature for just $6.99 a day.

8. 50 percent discount on SiriusXM satellite radio

Don’t doom yourself to hours of talk radio. AAA members receive half off on SiriusXM satellite radio when renting with Hertz. Listen to music, sports, comedy and everything in between. There’s something for everyone, which comes in handy when the kids are kicking the back of your seat.

9. Ride in style

Are you dreaming of a drop-top? With Hertz Dream Cars Collection, you’re not limited to old vans or four-door sedans. Turn heads while you travel and rent a ride with some style.

10. Hertz Gold Plus Rewards

As a member of AAA, you can enjoy Hertz’s premier frequent renter program for free. Plus, receive bonus points that amount to one free rental day for AAA Basic members and two free weekend rental days for Premier members. The perks don’t stop there, either. Members can earn up to 25 percent more bonus points on multiple rentals within the calendar year.

The AAA Hertz collaboration benefits members with deals and savings, but it’s about doing what’s best for drivers everywhere. Part of their dedication to drivers includes offering comprehensive rental car insurance. Read up to learn how to protect yourself from unforeseen accidents and figure out which policies work for you.

The two companies have also partnered on distracted driving awareness campaigns to support a safe travel experience.

“Hertz and AAA share similar goals in delivering excellent service and ensuring people have safe and enjoyable travel experiences,” said Kathryn V. Marinello, president and chief executive officer of Hertz. “We are honored to be celebrating this partnership and are especially proud to continue offering best-in-class service.”

For four decades, AAA and Hertz have built a relationship based on what’s best for their customers. Their efforts are exemplified through the unique benefits they offer as well as the enormous good they do for drivers everywhere.

Selling your home is a tricky process. As though moving isn’t already stressful enough, there are so many decisions to be made when putting your home on the market. Do you need to repaint the living room? How do you hold an open house? Why are there so many different real estate websites? Why use a real estate agent?

Many home sellers bump up against this last question during the selling process. Why use a real estate agent? If you’ve lived in a house for years and poured all your blood, sweat and tears into keeping it up, why would you let a real estate agent skim a commission off the sale? Selling a house by yourself is called “FSBO,” or “for sale by owner.” When you go the FSBO route, all profits are yours and you don’t have to pay a commission. To make the decision between FSBO and selling with a real estate agent, you need to know what a agent can actually do for you (and your bottom line).

Selling with a real estate agent: Pros and cons

Pro: You have someone to rely on.

A real estate agent is your go-to person for all of your questions, comments and concerns.

Pro: They bring their experience to the table.

Real estate agents know the laws of buying and selling homes in their area, and they’re knowledgeable about the trends in the housing market. While you might have only sold a home once or twice in your life, real estate agents do it every day, and they’re very familiar with the process.

Real estate agents know how to price your home appropriately, and they know what works when marketing a property. Unlike the homeowner, they don’t look at a house with rose-colored glasses. They see the property for what it is – or what it could be with a new coat of paint.

Pro: They take on the extra work of selling a house.

Why use a real estate agent? Well, it’s their job to sell your house, and since they work on commission, a good agent will do everything they can to get you the best price.

Selling a house can often feel like a full-time job – which can be difficult if you already have a day job. With a real estate agent, you can hand off the responsibility to someone else.

Real estate agents can coordinate home inspections and appraisals, even during times of the day when you’re away at work. They can also photograph your home or even hire a photographer to take high quality pictures to go with your online listings. You can rely on aegents to coordinate open houses and to show your house. You don’t even have to be there.

Pro: They’re whizzes at paperwork.

Real estate agents can help you handle the mountain of paperwork that comes with selling a home. They can help you with things from home insurance, to titles, to contracts and more. A good agent will also make sure that your prospective buyer is pre-approved for a home loan.

Con: Nobody works for free.

Real estate agents make their living by helping people buy and sell homes. They’re not volunteers, and they’re not running a charity. Most will take a commission of around 6 or 7% of your home’s final sale price, though that can vary. It is highly irregular for an agent to earn a salary outside of their commission.

Con: You have to trust a stranger with your greatest financial asset.

Real estate agents deal with the buying and selling of homes every day, but this is your house. It’s important to you. This is not only a person that is going to sell your house – this is a person who will probably spend some time alone in your house. Before you hire a real estate agent, make sure you’re comfortable with that.

Be wary of red flags. If a real estate agent immediately suggests listing the highest price for your house first, if they’re not familiar with your neighborhood, or if they’re flaky with communication, they are not the one for you.

For Sale by Owner: Pros and cons

Pro: You don’t have to pay a real estate agent commission.

People are usually attracted to FSBO (pronounced “fizzbo”) because they don’t want to relinquish 7 percent of their home’s final sale price. They would rather save that money for something else. When you’re selling your own home, you don’t need to worry about paying anybody else for the privilege.

Pro: The dedication of a homeowner.

No one will be more dedicated to selling your home than you are. Real estate agents have other clients that they have to deal with, other fires that they have to put out. Your only focus is on your particular sale.

Con: You’re probably learning on the fly.

This is not the most ideal time to be learning new skills – and it’s definitely not an arena that you want to make mistakes in. If you list your house too high right out of the gate, for example, you could sit on the market for months on end. If you get distracted by too many last-minute renovations in the hopes of increasing your property value, you could dig yourself into a financial hole.

Con: You might not save as much as you think.

FSBO properties can be hotspots for buyers looking for a bargain – from house-flippers to plain old tightwads. People assume that FSBO sellers are willing to settle for lower prices, or that they can’t negotiate for themselves. Be careful that you don’t get taken advantage of!

Editor’s note: We appreciate the personal real estate stories that have been shared by members. Since many contain potentially identifying information, we are unable to publish them at this time.

AAA offers a variety of home loan services to help you on your way to buying the house of your dreams. Learn more. 

There is no shortage of things to do in Portland, Maine. The historic city, founded in 1632 as a center of trade between Canada and Europe, is still a major port, but over the years it’s also become a haven for foodies, brewers, artists and other creative types. Hip Portland somehow manages to exude a small-town vibe, with independent shops, galleries, bars and restaurants galore, as well as a proud identity as New England’s largest seaport and second-largest fishing port, guaranteeing no shortage of fun things to do.

Keep reading to learn about all the exciting things to do in Portland, Maine.

Things to Do in Portland, Maine.

1.

Exploring lighthouses is one of the coolest things to do in Portland, Maine. There are six such facilities within 20 minutes of downtown – including Portland Head Light, in Cape Elizabeth. It was one of the first lighthouses commissioned for the U.S. by President George Washington. It was first lit – via 16 whale-oil lamps – in 1791. There is a museum in the former keepers’ quarters with items like lenses. The lighthouse is next to Fort Williams Park with walking trails including a seaside loop.

2.

Any rundown of Portland, Maine top 10 should include a stroll along Commercial Street, where boutiques, bars and restaurants vie for your attention, while steps away, the working waterfront bustles with a mix of fishermen, charter boats and yachts. You can also find attractions like the Portland Science Center, home to ever-changing exhibitions.

3.

You can’t run down a list of the best things to do in Portland, Maine without mentioning lobster fishing. Find out what it takes to be a lobster fisherman with Lucky Catch Cruises, which will teach you how to trap these local crustaceans on Casco Bay. Tours last about 80 to 90 minutes. Guests can don aprons and gloves to help with setting traps. Tour guides also provide education on lobster biology and conservation, and cooking tips.

4.

Pop into the Portland Museum of Art to see its vast collection of more than 18,000 works of art, including pieces by Andy Warhol and Claude Monet, and you’ll quickly realize why it belongs in a Portland, Maine top 10. The museum also has work by Winslow Homer and, on select days from April through October, visitors can make reservations to take 2.5-hour tours of the renowned artist’s studio. Homer lived in Prouts Neck, Maine for more than 25 years through the early 20th century.

5.

If you want to sample beers and learn about beer brewing, take a free tour of Allagash Brewing Company, one of the city’s first craft breweries specializing in Belgian-style ales, and definitely one of the best things to do in Portland, Maine. Founder Rob Tod started the operation in 1995. Tours and tastings are offered seven days a week. Visitors should book in advance online.

6.

Visit the Wadsworth-Longfellow House & Garden, once home to the world-famous poet, where much of the original furniture, including his writing desk, are well-preserved. The brass knocker on the front door, for example, is original. Wadsworth’s grandfather, Peleg, built the house in the late 18th century. It’s open for tours from May through October. The Longfellow Garden is open for the same period of time, and admission is free.

7.

Wander through the Portland Farmers Market, which only sells products from Maine. Pick up some blueberries or local cheese to snack on. The market is open year-round. Late April through November, it’s held Saturdays in Deering Oaks Park and on Wednesday at Monument Square. December through late April, it’s held indoors on Saturday, at 84 Cove St.

8.

Indulge in the delicious, and addictive, hand-cut Belgian fries at Duckfat on Middle Street. They’re cooked twice in – yes – duck fat and served with house made dips like truffle ketchup. It wouldn’t be a Portland, Maine top 10 without mentioning the city’s delicious grub.

9.

Kayak around Casco Bay with Portland Paddle on a guided tour, or rent boats to explore on your own. Special tours, like a sunset outing and moonlight paddle, can be magical. You may also be able to enjoy a stand-up paddleboard yoga class too, and the more adventurous sorts may be inclined to try multi-day trips that combine paddling with camping on islands around the harbor.

10.

Enjoying live music and tasty local beer are two of the best things to do in Maine. Port City Music Hall has a wide-ranging calendar of acts, from funk ensembles to a Talking Heads tribute band.

What do you think about our guide for things to do in Portland, Maine? Think we’re missing anything? Let us know in the comments section below!

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

Arches National Park, Utah

Located just outside Moab, Utah, this U.S. national park contains more than 2,000 sandstone arches, the highest density in the world. The most famous is Delicate Arch. Another geological formation, Balanced Rock, is also a popular destination.

Badlands National Park, South Dakota

This park, in South Dakota, features dramatic terrain, with steep mountains and canyons and layered rock formations as well as vast prairies. Visitors can stroll along the Fossil Exhibit Trail to learn about the dinosaur fossils discovered in this area.

Big Bend National Park, Texas

Big Bend National Park in southwest Texas encompasses the Chisos mountain range and much of the Chihuahuan Desert as well as the Langford Hot Springs. The park includes 118 miles of the Rio Grande River. Many fossils have been found inside the park, several as old as 9,000 years.

Black Canyon of the Gunnison National Park, Colorado

This U.S. national park in western Colorado contains twelve miles of the Black Canyon, so named because parts of it receive only thirty-three minutes of sun each day. Visitors frequent the trails that run along the rims to see the canyon’s dramatic sides, particularly the striated Painted Wall.

Bryce Canyon National Park, Utah

Located in southern Utah, this remote park is known for its towering hoodoos, distinctive spire-shaped geological formations created by frost and erosion. The rocks’ red and orange colors create a memorable landscape.

Canyonlands National Park, Utah

This park, near Moab, Utah, features a desert landscape carved into canyons, mesas, and buttes by the Colorado and Green Rivers. Major sites include Island in the Sky, a massive mesa with spectacular views; the Needles, tall rock pinnacles that tower over the desert; and the Native American rock paintings found in Horseshoe Canyon.

Capitol Reef National Park, Utah

This long, narrow park’s prominent feature is the Waterpocket Fold, a rocky ridge that runs for nearly 100 miles. A line of cliffs with dome-shaped formations, much like those found on capitol buildings, gives the park its name.

Carlsbad Caverns National Park, New Mexico

This U.S. national park in southern New Mexico contains more than 100 caves. The main chamber, Carlsbad Cavern, features the Big Room, with stalactites hanging from the ceiling.

Death Valley National Park, California

Death Valley is the largest U.S. national park in the lower forty-eight states. It is also the hottest, the driest, and the lowest in elevation. Visitors can explore Titus Canyon and Badwater Basin’s salt flats, the country’s lowest point.

Grand Canyon National Park, Arizona

This iconic landscape represents the western desert region of the United States to many. The nearly mile-deep canyon attracts over six million visitors each year and is the second-most-visited park in the country.

Great Basin National Park, Nevada

Great Basin National Park is located in eastern Nevada. Its landscape ranges from the Great Basin Desert to the South Snake Mountains. The Wheeler Peak Scenic Drive leads through the mountains for some views of the terrain and wildlife.

Great Sand Dunes National Park, Colorado

The main feature of this park in southern Colorado is the array of towering sand dunes – the largest in the country – that crisscross the basin. Some dunes are up to 750 feet tall.

Joshua Tree National Park, California

This southern California park, named for the twisted Joshua trees found throughout the area, covers a region that straddles the Colorado and Mojave Deserts.

Mesa Verde National Park, Colorado

Mesa Verde National Park in southwest Colorado is best known for its well-preserved ancient Pueblo cliff dwellings. The Mesa Top Loop Road brings visitors past several archeological sites.

Petrified Forest National Park, Arizona

This U.S. national park in northeast Arizona encompasses scrubland filled with petrified wood. The northern part of the park extends into the Painted Desert.

Saguaro National Park, Arizona

The park, located outside of Tucson, is named after the giant saguaro cactus, which is found in abundance throughout the area. Several scenic trails and drives lead through spectacular views and sites where petroglyphs can be found.

Theodore Roosevelt National Park, North Dakota

This park, named for the former president who once resided on these lands, is located in western North Dakota. It constitutes three distinct and unconnected sections. Abundant wildlife include bison, elk and prairie dogs.

Wind Cave National Park, South Dakota

This park in South Dakota contains the enormous Wind Cave. This cavern features a type of calcite formation known as boxwork, and approximately 95 percent of the known boxwork in the world is found here.

Zion National Park, Utah

This southwest Utah park is dominated by the steep red cliffs of Zion Canyon. Scenic drives and numerous trails allow visitors to explore the forests, riverbanks, and deep chasms in the park.

What U.S. national parks are on your wish list? Tell us in the comments.

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