I have been to Las Vegas six or seven times. I’ve played a slot machine…once, maybe. Gambling is of no interest to me.  But the phenomenon of Las Vegas, the stories and the mashup and the contrasts and the bigness, that’s what keeps me coming back. Visitors come here for all sorts of reasons – a record 42.9 million of them last year. Increasingly, a casino weekend visit is less about gambling and more about enjoying the other aspects of entertainment and diversion that this town offers.

I have been a travel writer long enough to know everyone’s definition of “the best” experience is different. So, my list of must-sees in Vegas might be different from a foodie’s, or a poker player’s, or a shopaholic’s.

So, I’ll deal out the popular “musts,” and along with my own. You can take it from there.

And because I want you to have a seamless good time, I’ll also provide some helpful tips for the perfect casino weekend.

The must-take selfie

• Make sure you get a picture in front of the famous “Welcome to Las Vegas” sign.

The must-do attractions on the strip

• The fountains show at the Bellagio — 1,214 water jets pulsating 460-feet into the air, every hour on the hour. The fountains are the most Instagrammed attraction in the city, (while you’re there, step inside and look up at the huge Chihuly glass flowers sculpture that covers the ceiling, then proceed to the beautiful, light-filled conservatory, with plants and flowers themed to different seasons.

• A gondola ride at the Venetian.

• The Forum Shops at Caesars Palace with its giant animatronic statues.

• The views from atop the Jetsons-retro Stratosphere. Doing the Skyjump Las Vegas, a controlled jump from atop the 104-foot tower, is optional.

My must-do attractions on the strip

• The Bellagio Gallery of Fine Art, which really does present some great and accessible exhibits (Monet Picasso, Faberge, Warhol).

• MGM’s recent addition, The Park, is an outdoor space right off the strip near the MGM Grand. A selection of reasonably priced restaurants and pubs is adjacent to the park. Get some snacks to go.

The must-do attractions off the strip

• • The Fremont Street Experience,  a 24-hour pedestrian mall with a massive LED canopy and endless people-watching fun. Some of those people are 40 feet up in the air, on a zip line ride from two-story slot machine, Slotzilla.
  • The Mob Museum, a five-minute walk from Fremont. It’s big, Informative, macabre (bullet-riddled wall fragments from the St. Valentine’s Day Massacre are on display) and entertaining. Only in Las Vegas…
  • Promise you’ll go to the Neon Museum, where huge old Las Vegas signs go to be restored and put on display. Guided tours of the signs give you a whole new understanding of early Las Vegas history. Take a night tour. It’s more expensive ($22, versus $12 for a daytime tour) but seeing that neon glow is worth every penny. Advance reservations are a must.
  • Nighttime is also the best time to ride the High Roller – an only-in-Vegas version of a Ferris wheel, complete with booze and snacks.

Day trips

• • Red Rock Canyon National Conservation Area is just a few miles west of Las Vegas; you can take a 13 mile drive through this 196,000-acre swathe of Mojave Desert.  Make sure to see the petroglyphs!
  •  Hoover Dam, about 30 miles southeast of Vegas.  It really is a wonder to behold.

Some tips for your casino weekend

• Traffic along the Strip can be insane, day or night.  And getting a cab is no piece of cake, either. If you’re going anywhere  by car, factor in extra time to get there.

• Getting cash from an ATM?  Pay attention to the fee you’ll be charged for the transaction – in casinos, it can run as high as $8. Find a bank/ATM on the street when you need cash.

• Find a convenience store or a Walgreens on the street for sodas, Band-Aids, snacks and other necessities. You’ll pay two or three times more for them in at  your hotel.

• If you’re a novice gamer, your best bet is to play some of the electronic table games for blackjack, baccarat, craps and roulette. They have a lower minimum bet, and a lower intimidation factor than a live game.

What’s your favorite way to spend a casino weekend in Las Vegas? Let us know in the comments below!

Plan and book a casino weekend with AAA. 

Is the park open year-round?

Yes, Glacier National Park is open all year. Most of the park’s facilities are open from late May until early September, but the Park Headquarters and the Apgar Visitor Center are open year-round.

Where is the park located?

Glacier National Park is in the northwest corner of Montana and crosses the Continental Divide.

How big is the park?

The park covers more than one million acres.

How do I get around in the park?

Some visitors drive their cars through the park, but many take advantage of the park’s free shuttle from outlying towns to the visitor center as well as shuttles to various places in the park, such as Logan Pass and Going-to-the-Sun Road.

What activities are available?

Some of the popular activities for vacation packages to Glacier National Park include:

• Backpacking and hiking: The park contains over 700 miles of trails winding through its wilderness. Whether visitors are seeking a short walk, a day hike, or a multiday trek to take advantages of the sixty-five designated backcountry campsites, Glacier National Park offers a wide variety of backpacking and hiking experiences. Permits are required for overnight hikes.

• Bicycling: All of the roads in Glacier National Park are open to cyclists. Though bicycles are not permitted on most trails, the three that are open to biking are the paved path from the park headquarters to Apgar Village, the Fishcreek Bike Path, and the Flathead Ranger Station Trail. Every spring, before the Going-to-the-Sun Road is open to cars, bicyclists can enjoy this iconic ride when the park opens the road for bicyclists and hikers.

• Cross-country skiing: When summertime crowds vanish and the snow starts to fly, that is the best time for a Glacier National Park vacation for cross-country skiers. Those who venture into the park for winter fun are strongly advised to keep track of the weather and avalanche reports, as well as take appropriate precautions around the park’s wildlife. One of the more popular areas for skiing is Upper Lake MacDonald, with its gently rolling terrain and easy access.

• Nature photography: Many visitors come to Glacier National Park to photograph the awesome landscapes, the abundant wildlife, and the natural features of the park. Some of the areas that offer the most photogenic scenes include sunrises on the east side of the park, the wildflowers in many of the mountain passes, sunset from the west side of the park, the aurora borealis, and, for those up for a bit of a hike, the vanishing glaciers that give the park it name.

• Guided tours: Some guests prefer guided tours of the park, allowing the experts to share their knowledge. Whether by bus, boat, on foot, or on horseback, guided tours can show visitors the best parts of Glacier National Park.

Are pets allowed?

Pets are permitted only in the developed areas of Glacier National Park: frontcountry campgrounds, boat launches, paved roads, and so on. They are not allowed in the backcountry or on trails.

Are the trails accessible?

The park does have some accessible trails, such as the Apgar Bike Path and the Lake McDonald Trail. Most of the campgrounds have accessible bathrooms as well.

What accommodations are available?

Lodging in Glacier National Park ranges from grand lodge-style hotels to comfortable motor inns to numerous campgrounds and rustic backcountry chalets. As with most national parks, reservations are strongly recommended for all types of accommodations, particularly for the peak times of July and August.

Are there restaurants in the park?

Dining options in the park include fine dining at Russell’s Fireside Dining Room at the Lake McDonald Lodge or the Ptarmigan Dining Room at the Many Glacier Hotel. Visitors can also grab a casual meal at several cafes and grills at the lodges and hotels in the park. Five camp stores located throughout the park offer groceries for visitors who wish to make their own meals.

What are the most popular areas of the park?

• Going-to-the-Sun Road: This fifty-mile drive is perhaps the most popular destination in the park. To traverse the entire road takes approximately two hours, not accounting for photo stops. Though some of the Going-to-the-Sun Road is open year-round, the alpine portion is closed in the wintertime, and opens sometime in late spring when the snow has been removed. There are vehicle-size restrictions for this road; visitors are encouraged to check the park’s website for information.

• Lake McDonald Valley: Located on the west side of the park, the Lake McDonald Valley, named after the park’s largest lake, offers hiking, boating, and other sightseeing.

• Logan Pass: At 6,646 feet, this pass is the highest paved elevation in the park. It is well-known for its blanket of wildflowers that bloom each spring and summer.

• Many Glacier: This area is considered the heart of the park. Wildlife viewing, hiking, and glacier viewing are the main activities here.

Which national park would you like to visit most? Is Glacier National Park on your list? Tell us in the comments.

Plan a national park vacation with AAA. 

To some jaded people, the idea of a guided tour through Europe conjures images of a whirlwind sprint on a crowded bus to mediocre hotels and restaurants in a different city every day. But nowadays, travelers are so discerning that tour companies have to step up their game. That means comfortable travel to unique destinations, where expert guides lead small groups on unforgettable experiences.

It’s important to keep in mind that there is no one-size-fits-all tour, and you have to decide what kind of European vacation you want. The best part is that now there are more specialized tour companies than ever before, offering vacations that cater to every kind of traveler — foodies, cyclists, train lovers, urbanites, volunteers, horseback riders and so much more.

The tough part is narrowing it all down from thousands of options. So, here’s a look at how find the best European guided trips that are right for you:

Start with a budget

One of the biggest benefits of booking a package tour is that if you pick right, you get incredible bang for your buck. Reputable tour companies score deals with hotels and restaurants that can save hundreds of dollars over booking the same experiences. Of course, how many of those bucks you have to begin with makes a big difference.

For a price, luxury operators like Tauck, will put you up in the finest hotels in the best locations, providing white glove service along the way. Budget options will get you there and do the planning for you, but the groups will be bigger and you’ll have less flexibility.
Regardless of the budget, you’ll be able to find something you can enjoy. “It’s generally quite a relaxing way to see the world and everything go by and not have to worry about what side of the road I’m supposed to drive on,” said Laurence Noah, who blogs at FindingtheUniverse.com.

Do your research

Once you’re shopping around, make sure to consider not only price, but also value. The lowest price listed on a tour company’s website might not include admission fees to attractions or hotel taxes once you check in.

More importantly, it might be worth spending a few extra bucks to get exactly the kind of vacation you like, says Matt Kepnes, who runs the website NomadicMatt.com.
That includes knowing where you’re going as well as whom you’re going with.

“Most tour companies list their guest demographics on their ‘About’ page, and you can usually see from the photos of their tours who go on it,” said Kepnes. “You can also tell the audience based on accommodation. If it’s hostels or guesthouses, it’s usually for backpackers and budget travelers. If it’s fancy digs, it’s for older travelers and families.”

Pay attention to the itinerary

Think back and consider your favorite vacations over the years. Did you get a rush out of seeing the most sights you can pack into a day, or are you more of a lingerer who likes to soak up all you can of just a few? The answer to that question should dictate what kind of itinerary you should go for.

But even if you like to pack it in, be careful. Some tour companies will promise too much than is comfortable, and that often results in spending a lot of time on the bus. Seek out tours that let you stay for more than one night in each location, because otherwise you’ll spend almost as much time packing as sightseeing.

“Make sure you get a schedule of all the activities and pick a tour that is balanced,” said Kepnes. “Running around will leave you wishing you had a holiday from your holiday, but you don’t want to be sitting around all day, either.”

Check out specialty operators

Don’t forget that every vacation is made up of much more than just sightseeing, lodging and transportation. So ask yourself, what interests you most when you’re at home? Chances are, there’s a tour company that offers your hobby in your next exotic destination.

We have our own favorites, like AAA Exclusive Vacations, of course, and we partner with Pleasant Holidays and Trafalgar to offer a variety of guided tours through Europe that will knock your socks off.

Have you been on a guided tour through Europe? Share your advice in the comments below!

Solar panels have been installed in US homes since the ‘80s, but they’ve only become popular as an energy source in recent years. Although they used to be expensive and clunky, solar panels are becoming cheaper and more efficient every year. Is solar energy a wise investment for your home? We’ll go over the basics of solar panel installation and maintenance so you can decide if it’s a good choice for you.

The price of solar panels

Although solar panel installation can be a little pricy initially, your costs will be offset by your electricity savings down the line. Of course, this is all depends on how much roof space or available ground space you have to power your home. If you have enough space for your energy needs, your electricity bill will go down to almost nothing.

Ideally, you want your panels to face south to harness the most direct sunlight. However, if you live in a city with little sunlight, like Buffalo, NY, you might want to talk to a specialist to see if installing solar panels will pay off. And even if your town receives a lot of sunlight, make sure there are no trees covering your roof with shade in certain parts, as this will cut down on the amount of energy you can harness.

Financing your solar panels

Since the cost of solar panels seems to be falling every year, it might seem like a good idea to postpone installing solar panels indefinitely until the price is more reasonable. However, this might not actually be the best approach if you want to save money. Basically, the longer you delay the installation, the more savings you miss out on in terms of your electricity bill.

In addition, as solar energy becomes more popular, there will be less tax incentives and rebates. The federal tax credit for renewable energy like solar is 30 percent now, but this will definitely be reduced as more homes go solar around the country. Since solar energy has become so popular in California, their $10,000 rebates have become a thing of the past. So if you’re considering going solar, now might be the best time. There are even some solar power loans which operate with no money down, so most households should be able to find a plan that works for them.

Consulting with a solar panel installer

When trying to compare the installation costs for different solar energy companies, things can get a bit confusing. You’ll want to determine how efficient the panels are in order to determine if the price makes sense for each company you consult. For instance, if one company proposes a higher per-watt rate for a 200-watt panel, while another has a lower per-watt rate for a 320-watt panel, you’ll want to reconsider whether the former is really a smart choice. It’s also a good idea to look into some third-party resources available online, like calculators, which allow you to see an unbiased estimate of how much energy solar panels would produce at your location.

Solar panel maintenance

Solar panels are extremely hardy and are built to last through snowstorms, heavy rain and high winds. Not to mention they also protect your roof from damage! Most of the time, solar panels come with a 20-25 year warranty. Fortunately, solar panels also don’t require much in the way of maintenance, and don’t even need to be cleaned often. In the event that there is an issue, it can usually be resolved by a solar installer in one visit.

However, if your roof is relatively old or flimsy and you think it may need repairs a few years down the road, it’s best to get this taken care of before installing solar panels. It’s much more of a hassle and costlier to have to remove your newly installed solar panels because there’s an issue with your roof. Also, some cities actually restrict the use of solar panels for aesthetic reasons, so make sure you do your research ahead of time to avoid any costly complications!

Solar panels and your electricity bill

Usually, solar-powered homes stay connected to the electrical grid, as it’s difficult to power your home entirely with solar energy 24/7 at this point. However, if your solar panels produce more energy than necessary, you’ll receive a net metering credit on your electricity bill, which will help you cut costs even more. As an off-the-grid alternative, solar batteries can be used to store energy, but they’re often expensive.

Solar panels are a great sustainable energy source for your home, but make sure you do plenty of research on your location and installation company.

Have you had solar panels installed and want to offer some advice to new buyers? Be sure to share in the comments!

Learn about homeowners and condo insurance from AAA.

My husband and I travel with our kids all the time, but when our firstborn was a baby, the thought of taking him on an airplane made me nervous.

I was worried he would miss his nap and cry the entire flight. I never thought I could fit all his things in my carry-on. I mean, the list goes on. Nowadays, as a seasoned mom of three, with nine years of nonstop travel under our belts, flying with children is much easier than you think.

Let me take you through a few of my traveling tips for children of different ages.

Infants

We didn’t have the nerve to fly when our oldest was an infant, but when our second came around, we flew with her at only 4 months old. At first, I was petrified, but this age proved to be the easiest. Whether you are nursing or bottle feeding, it helps to feed an infant during take off and landings, to keep his or her ears from popping due to changes in altitude.

We all know how expensive airlines tickets have become, so parents should be very excited to know that children under 2 years of age fly free, as long as they ride on a parent or guardian’s lap. If your child is extra fussy, you may choose to purchase an additional seat. This may be appealing to parents who want to carry on their car seat so their child has a place to sleep, giving their lap a rest.

The Toddler Stage

This, you guys, is the hardest time to fly with children. Adults get antsy in airline seats, so think of what it’s like for little ones who don’t understand they need to stay put with their seat belts fastened. In this digital age, iPads and tablets come in handy. I usually load up their devices with some new games or movies so they don’t get bored. I know some of us want to limit screen time, but try a six-hour flight with a 4-year-old and tell me what you think! Don’t forget snacks, snacks and more snacks. I pack some old reliable treats, and some unusual options, to keep it exciting. An emergency lollipop comes in handy, just in case they have ear-popping issues like the babies.

More Tips for Flying with Kids

My first trip to California with the three kids was solo, sans hubby. At the time, my children were ages 2, 4 and 7. I think I panicked for two weeks straight before the trip. In addition to our snacks and tablets, I stocked up on little dollar store trinkets for them to play with during the trip. I wrapped each item in tissue paper and each hour on the hour I busted a new one out for each of them. The idea of these rewards kept them on their best behavior. Some of the best items were Play-Doh, a deck of cards (for the older one), coloring books, pens, crayons and little games that you would find in a party goodie bag.

At the airport, I always see parents lugging half their living room through the terminal. This is mistake No. 1. Learn how to pack lightly. It’s the only way to keep your sanity with little ones in tow. Leave your $1,500 stroller at home and pick up a small umbrella-type stroller. For smaller babies, the car seat over the stroller is perfect and works best for when traveling after the flight. A baby carrier is another alternative. They come in handy at destinations like theme parks that require lots of walking.

Upon arrival at your destination, most resorts will provide a pack and play or crib. If you have particular standards for your children, be sure to ask your hotel staff what they offer prior to making arrangements. Some hotels can recommend local businesses that specialize in renting strollers, cribs and baby gear to tourists and travelers, which can usually be delivered to your location.

Once you get that first flight with your kid(s) under your belt, you’ll feel like you can accomplish anything. Now that my children are well-seasoned travelers, they know what to expect and what is expected of them. They pack their own carry-ons, understand going through security and mind their manners while sitting in their seats. Traveling has certainly become enjoyable for us and it will for you too.

Do you have more tips for flying with kids that you want to share with other parents? Write them in the comments.  

Plan and book your next vacation with AAA.

Take a tour of the nation’s major East Coast cities! In New York, experience all the iconic landmarks seen in the movies. In Newport, R.I., get a glimpse of the lifestyle of old money’s rich and famous. Boston takes you along the Freedom Trail and Philadelphia shows you the giant Liberty Bell, while Washington, D.C., bursts with American history and politics. Tour America’s East Coast, and you’ll see America as you’ve never seen it before. Keep reading for a sample itinerary from a AAA Vacations tour of the East Coast.

Tour America’s East Coast cities

Day 1 – A Bite Of The Big Apple

Welcome to New York. On arrival at JFK, Newark or LaGuardia airports, you will be met and transferred to your luxurious AAA Five Diamond hotel, the Park Hyatt New York. Join your traveling concierge for a welcome dinner and light meal accompanied by a violinist from the renowned Juilliard School.

Day 2 – Exploring NYC

Tours of America’s East Coast cannot be complete without New York City’s famous landmarks. A local guide lays bare the city highlights and will show you the Statue of Liberty from Battery Park, the iconic Empire State and Chrysler Buildings along with a visit to some of Central Park’s gardens. Afterward, visit Grand Central Terminal with a local guide. The rest of the day is at leisure.

Day 3 – Vanderbilt’s Newport and Boston

Journey to historic Newport, R.I. Travel along Ocean Drive, lined with the Gilded Age mansions of America’s wealthiest families. You can visit The Breakers, the grandest of Newport’s summer “cottages” and a symbol of the Vanderbilt family’s preeminence in turn-of-the-century America.

Day 4 – Historic Boston

Tour America by taking a morning sightseeing tour of one of its oldest cities, nicknamed “Beantown,” and gaining a fascinating insight into its history. With several stops along Boston’s famed Freedom Trail, you’ll hear about the struggle and courage of the American colonists during revolutionary times. Discover the landmarks along Boston’s Freedom Trail. Take a student-led visit to prestigious Harvard University, founded in 1636.

Day 5 – Exploring The Streets Of Philadelphia

Set out for Philadelphia, founded by the Quakers to escape religious persecution and still known as the “City of Brotherly Love.” Explore Independence National Historic Park and its historic attractions. View Independence Hall, where America’s founding fathers signed the Declaration of Independence on July 4, 1776, and the cracked Liberty Bell. In the evening, a dinner is served at Davio’s, a jewel in the Philadelphia restaurant world serving up Northern Italian cuisine.

Day 6 – Monumental Washington, D.C.

Embark on a foodie exploration of Philly. A local connoisseur will reveal the fascinating history behind some of Philly’s most famous cuisine at the historic Reading Terminal Market, before your afternoon arrival in Washington, D.C. The nation’s capital rounds off this east coast U.S.A. tour. See the city lit up by the night sky on an Illumination Tour onboard your motorcoach, including the Jefferson Memorial and a rooftop walk at the Kennedy Center.

Day 7 – Washington, D.C. Sightseeing

Explore Washington, D.C. with a local guide. View the famous landmarks, including the White House, Washington Monument and Lincoln Memorial. Enjoy an expert-led tour of the official national library of the United States, the Library of Congress, the largest library in the world. Afterward, meet a former espionage agent and learn about fascinating untold stories of the Cold War, an era when real battles were often fought behind the scenes between the CIA and the KGB. In the evening, enjoy a finale celebration dinner at Filomena’s, one of the city’s top Italian restaurants.

Day 8 – Back To New York City

In the morning, transfer to DC’s Ronald Reagan Washington National or Dulles International Airports. Alternatively, continue on to New York City to JFK Airport or to the New York tour hotel for guests wishing to extend their stay.

Surprised by all the action, right here in your backyard of the Northeast? Share your thoughts on this tour of America’s East Coast in the comments. 

Learn more about this exciting trip. 

Get in touch with a AAA travel counselor to learn about AAA Vacations and start planning your next getaway today. As a AAA member, you’ll save even more. Not a member? Join now!

Your retirement planning should begin well in advance, but as you reach different phases in retirement you’ll have some important new decisions to grapple with.

You may have your retirement savings options nailed down, but have you thought through transitioning to a retirement community, or which Medicare plan is best for you?

Here are 6 key decisions to plan for throughout your retirement.

Reevaluating your savings withdrawal rate (early retirement)

Pre-retirement you put in the time to plan a budget and decide which retirement savings options were best for you. Now that you’ve retired and are transitioning from saving to spending, you’ll need to reevaluate what the safe withdrawal rate is for your 401(k)s, IRAs, and overall portfolio.

A “safe withdrawal rate” is the amount of money (typically expressed as a percentage) you can withdraw from your portfolio each year that will ensure your money will last for the rest of your life. Financial planners commonly recommend 4% as a safe withdrawal rate if you need your nest egg to last 30+ years.

A retirement calculator will help you to estimate how much money you will need with various withdrawal rates.

Downsizing your housing (early retirement)

As a freshly-minted retiree you’ll finally have the freedom to travel and pursue fun hobbies. With your new active lifestyle and the kids out of the house, you may realize you don’t need as much living space.

Downsizing to a condo or townhouse, or moving somewhere with a lower cost of living, will help you save on property taxes, maintenance costs and monthly mortgage payments.

Profits from selling your home can be invested in your nest egg, becoming a late-game retirement savings option. Many retirees who want greater flexibility also choose to start renting at this stage.

Reasons not to downsize? Staying in your home can make sense if you:

• Paid off your mortgage and expect to pay little on taxes or repairs.
• Plan to use a reverse mortgage to fund your retirement.
•  Want to pass the home on to your children.

Moving to a retirement community (early to mid-retirement)

Downsizing could also mean moving to an independent living community. With great recreational activities and amenities (plus other like-minded retirees) a retirement community is the perfect environment for you to stay active and meet new friends.

Many retirees plan to stay in their house and “age in place,” but the cost of in-home care and home modifications can be prohibitive. It’s much easier to downsize while you’re still in good health and don’t need to burden your children with organizing the move.

Getting your estate in order (mid-retirement)

A last will and testament should always be part of your simple retirement plan, but there are additional documents to consider for rounding out your estate:

• Power of attorney: designates a person you trust to make financial and health decisions on your behalf if you are incapacitated.
• Living will: spells out your exact wishes for medical treatment in the event of certain scenarios (e.g., serious injury, coma).
• Trust: gives you greater control and specificity than a will over who will inherit your property and assets, and ensures a quicker transition. There are many types of trusts to choose from; setting up a “dynasty” trust will allow you to transfer wealth to children and grandchildren while minimizing transfer taxes.

Changing your Medicare plan (mid to late retirement)

At this point most retirees begin to slow down, experiencing lower energy and an increase in health problems. The bulk of your expenses will transition from spending on travel and recreational activities, to spending on healthcare.

As your healthcare needs increase, you’ll want to consider switching from your original Medicare plan to a Medicare Advantage plan. Medicare Advantage plans have a cap ($6,700 or lower) on your out-of-pocket expenses. Once you reach that limit you’ll pay $0 for the rest of the year. Original Medicare plans put no limit on your spending (which can easily rise to tens of thousands of dollars).

Arranging long-term care (late retirement)

As you reach your 80s and 90s, your healthcare needs and need for assistance with daily activities will likely increase. Many retirees nearing the end of their life will need the level of care provided in an assisted-living or long-term care facility.

Ensure that your needs are best met by taking time to research and visit facilities before you actually need that level of care. If you moved to an independent living community while you were still in good health, you may also have the option of transitioning to an associated assisted-living facility.

Where are you at with your retirement planning? Have you begun to think through these key decisions yet?

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

Technology is changing and permeating almost every aspect of our lives. How we travel or where we stay is no different. People expect more from their home away from home experiences – better technology, seamless services, more accessibility. Free Wi-Fi is no longer the perk of a fancy hotel, it is the bare minimum for a guest to book their stay. In recent years, the hospitality industry has shifted to meet these needs and expectations. From user-friendly hotel apps to new strides in hotel room technology, guests can expect much more from their getaway bookings.

Here are the top hospitality tech trends you can expect to see much more of in the near future.

Hotel apps and other hospitality tech trends

Virtual reality

Virtual reality isn’t just for gamers anymore. For consumers, virtual reality is a new way to plan a vacation. Some virtual reality travel apps allow you to explore the major attractions, sights, and sounds of a destination, or “visit” a hotel room before you book. But, travel apps aren’t just about paying customers either. Companies like British Airways and Marriott are already experimenting with the applications of virtual reality as a marketing tool and more. In the future, consumers can expect hotel apps to feature virtual reality tours to make a booking that much easier.

Hotel apps

While hotel apps don’t have the ability to provide VR experiences (yet), they have still evolved drastically from the traditional “find and book a room” function we’re used to. Large hotel chains are focused on using their mobile platforms to create very specific and unique experiences for their guests. And some apps like Hilton Honors feature cool perks, including the ability for guests to book an Uber ride to the hotel, request certain amenities upon arrival, and use their cellphones as a door key. Other apps focus on providing members with perks and savings, sort of like an airline. Check out some of the most successful hotel apps here and look out for more in the future.

Hotel room technology

Outside of smart room keys that allow guests to unlock their suites with mobile phones, hotel room technology can expect to get even more futuristic. Gone are the days of hanging “Do Not Disturb Signs” on the outside of your doors. Instead, hotels are turning to infrared scanners to minimize housekeeping-related disturbances. The infrared scanners will be able to detect when occupants are in the room and inform cleaning staff to come back later. And that’s still just the half of it. Many hotels plan on investing in better toys – that means bigger, better (and most likely “smart”) TVs, larger bandwidth for all the electronics guests travel with, smart thermostats that allow guests to change room temperature from their phone, mp3 docking stations and texting concierge. Pretty soon our hotel rooms will feel as connected and integrated as our homes.

Service automation

Self-service is trending, and the level of communication people perform through technology is constantly increasing. This change has left many individuals preferring to complete simple tasks through electronic devices in lieu of human interaction. Naturally, the hospitality industry has begun to shift in that direction. Remote check-in and check-out is already a feature on many hotel apps, and many chains are beginning to experiment with ordering room service from mobile devices. In fact, in the near future, many basic guest requests could be handled electronically. Some may worry that automation will take out a key component of a hotel stay – hospitality. But, if done right, automation might actually free up hotel staff to focus on other areas of the guest experience.

While hotels aren’t being run by robots (yet), if Aloft Cupertino’s robot butler (Botlr) is any indication, the hospitality industry is definitely headed in that direction. And whether this new reality will be a futuristic version of the Jetsons or an iRobot nightmare waiting to happen, has yet to be determined.

So instead, let’s focus on the things we can control now, like actually finding a hotel room. If you’re looking for the cheapest room possible, there are countless hotel apps and websites that compare prices and make it easy for consumers to see numerous options at a glance, including AAA’s Mobile app, which can help you from the beginning of your planning stages all the way to the end. You can book your flights and hotel rooms, find rental cars, locate points of interest and more. Plus, AAA’s Diamond Ratings search makes it easy to locate hotels with high-end service, food, and décor, all for the right price.

When you head on a trip or a vacation, what do you look for in a hotel? Are good hotel apps important to you? Let us know in the comments below.

There’s a lot to think about when you’re planning a trip abroad, from what you want to see and do when you get there, to the ho-hum arranging of flights, accommodations, rental cars and travel insurance.

Then you watch the news and you remember there’s a whole ‘nother layer of possibilities you, as a responsible adult, need to consider: Terrorism, hurricanes,  unstable governments, demonstrations, typhoons, H1N1…

However unlikely it is that you’ll personally be affected by a political, environmental or epidemiological catastrophe, you may wonder: Does my travel insurance policy cover these kinds of things?

Travel advisories: warnings, alerts & health notices

If you’re traveling abroad – even if you’re going to a generally safe, tourist-friendly place like the Caribbean or mainland Europe – it pays to check in with Uncle Sam.

The State Department puts out Travel Warnings and Travel Alerts. The warnings generally cover ongoing dangers (unstable governments, frequent terror attacks); some countries, as you can imagine, have been on the list for years. Alerts tend to pertain to shorter-term issues, such as disease outbreaks or contentious political goings-on. The advisories may advise not going to a country at all, or exercising caution if you do. Search your destination on their Alerts and Warnings for details.

The Centers for Disease Control and Prevention put out similar warnings regarding health-related issues. Visit the CDC to search by country name or disease. (Advisories include health issues caused by flooding, earthquakes and hurricanes.)

Will travel insurance cover me if I head to one of these areas?

Short answer: That depends.

“Most standard ‘named perils’ policies consider terrorism to be a covered reason for canceling a trip,” writes travel insurance expert Christopher Elliott in Huffington Post. “But certain conditions must be met. The Event has to happen at your destination within 30 days of the day you’re scheduled to arrive. Also, you wouldn’t be covered if there’s been a terrorist event at your destination within a month of your plan’s effective date.”

In other words, you may be reimbursed for nonrefundable travel costs if an “event” happens within 30 days of your vacation; if one occurs and then you decide to get insurance, you will not be covered for a second incident. Timing is everything.

Two scenarios: one covered, one not

Confused? The examples below illustrate how timing matters.

1. If you’ve purchased travel insurance for a week in Paris and an attack occurs three weeks before your trip starts, you can call on the trip cancellation policy to get back your prepaid, nonrefundable costs.

2. If you planned for that week in Paris and decided to purchase travel insurance after that attack, and a second attack occurs before you leave—you couldn’t use the trip cancellation benefit because a terrorist incident had occurred within 30 days of your purchase.

Timing isn’t the only thing, though. You’ll find that for some areas—like the contentious regions you hear about on the nightly news—insurance is impossible to get. (Journalists, medical volunteers and other professionals in high-risk areas get special risk insurance [and security staffing] through their employers or project organizations.)

Financial protection from travel risks

Reading a travel insurance policy – the whole thing – isn’t anyone’s idea of a good time, but it’s the only way to know what is and isn’t covered.

Read the entire policy before signing off, and don’t hesitate to call the insurer directly with any questions. If you’re asking a specific question, ask where exactly on the policy it says what they’re telling you.

• In addition to checking in with the governmental warnings, take a look at traveler blogs and forums for your destinations. You can find excellent insights as well as smart precautions you may not otherwise have considered.
• Another good resource: International SOS’s Travel Risk map, a veritable hot spot “heat map” that illustrates medical and travel security risk ratings for every country.
• Purchasing insurance during hurricane season is a good idea; however, if the hurricane has already been “named,” it’s too late to buy. (It is no longer an “unexpected or unforeseen event.”)
• Note that our State Department doesn’t provide information about the U.S. Virgin Islands and Puerto Rico; to research them, simply visit other countries’ traveler advisory sites.
• Remember the lower-level cautions are just those; you should be aware and exercise caution. Just because a country is listed doesn’t mean the entire country is affected.
• Interesting note: We’re on other countries’ travel advisories, too, such as this one from the Aussie government: “The United States has more violent crime than Australia, although it rarely involves tourists. Mass shootings continue to occur in public places.”

Do you have your own story of traveling to a region where there was some kind of traveler advisory – an alert or warning? If so, how did you handle the planning and the insuring? Feel free to share your insights in the comments section below.

For all things travel-related, go to AAA.com/Travel.

Refined vegetable oils are controversial in the food world, with a recent study published in the BMJ raising questions about the overall healthiness of vegetable oils. So for many people looking to eat healthier, finding substitutes for vegetable oil is at the top of their list.

Here are a few vegetable oil alternatives that you can try in your recipes, plus advice on healthy food substitutes that can help you to reduce your intake of artificial sugars and salt.

Substitutes for vegetable oil

While oils aren’t a food group, they still provide our bodies with some essential nutrients. You can use them to prepare foods or make salad dressings and other sauces. However, not all oils are created equal. According to Healthy Eating Politics, refined vegetable oils like canola oil, soybean oil, corn oil and more are made with mechanical and chemical processes. The final products not only lack nutrients, but they also oxidize easily, which makes them more likely to break down into cancer-causing free radicals in the body, according to the National Cancer Institute.

In addition, most refined vegetable oils are also hydrogenated. This process further destroys nutrients and creates trans fatty acids, which the American Heart Association says can increase your risk for heart disease, stroke and Type 2 diabetes when consumed in excess. To benefit your body, try adding a vegetable oil substitute to your diet. Olive oil is an antioxidant-rich alternative that’s great for baking breads and preparing sauces, marinades and more.

Here are some ways you can swap out highly processed and refined vegetable oils for nutritious alternatives, courtesy of www.foodpyramid.com.

Applesauce and bananas

If a recipe calls for 1 cup of vegetable oil, replace it with ¾ to 1 cup of applesauce or mashed bananas. This swap is best used for baking. Not only are applesauce and bananas high in vitamins, they’re low in calories and fat.

Plain or vanilla low-fat yogurt

Try replacing 1 cup of vegetable oil with 1 cup of plain or vanilla low-fat yogurt. This is also best used in baking recipes. Yogurt is packed with fatty lipids and good bacteria that aids in digestion.

Olive oil

Replace 1 cup of vegetable oil with 1 cup of olive oil. This switch is best used when preparing pastas, sauces, salad dressings and marinades. Olive oil is rich in antioxidants and monounsaturated fat.

Other healthy food substitutes

Replacing artificial sugars

When it comes to sweets, processed foods with added sugars offer little to no nutritional value. They increase the risk of obesity and contribute to various health problems, says the American Heart Association. That means the next time you’re out grocery shopping, try skipping the sodas, cookies and candies. You should even skip the fruit drinks, which can be loaded with added sugars. Instead, stock up on fresh fruits and veggies, which have naturally occurring sugars and plenty of additional vitamins and minerals. Fresh fruits like apples and strawberries make the perfect sweet snacks, and are loaded with vitamin C, potassium and other heart-healthy benefits.

Have a bit of a sweet tooth? Don’t worry, there’s still room for sugar in your life. The American Heart Association recommends using no more than 6 teaspoons of sugar (for women) and 9 teaspoons of sugar (for men) daily. That’s more than enough to sweeten a tea or add some flavor to a red sauce. Just remember, if you’re going to use sugar, make sure it’s the real thing. Try to avoid artificial sweeteners and other sugar substitutes.

Substitutes for high-sodium foods

Yes, salt is an essential nutrient for our bodies, but most Americans are getting way too much. Thanks to restaurant food and takeout, some of us are consuming more than two times the AHA recommended 1,500 mg of sodium a day. Just take a look at these top six surprising salty foods outlined by the American Heart Association.

So how do you get your sodium levels down? Cooking at home is a great way to start. It’s impossible to know just how much salt is going into the food you order at restaurants. Chances are you’re consuming way more sodium than you think. So start preparing your own meals. And here’s a quick tip: The next time you’re out grocery shopping, try to compare nutrition labels (especially when buying frozen or prepackaged meats and fish). Different brands may have different sodium content for the same product, some of which can send your sodium levels skyrocketing. Try to swap your usual choices for lower-sodium options.

When you’re making lifestyle changes, it’s best to start with small changes. And making a few healthy food substitutes each month is a great way to kick-start your journey. In no time you’ll have better eating habits, and a healthier and happier you!

Are there any healthy food substitutes that you swear by? Share them in the comments below!

Our relationship with technology is constantly changing. We’ve gone from using our gadgets for simple tasks, like making phone calls and checking the weather, to sharing information with our devices. One of the latest technology trends, wearables, has left the world heading towards a very futuristic reality. While earlier designs simply tracked your steps and heart rate, the newest models of smartwatches, FitBits and fitness trackers can do much more, including tracking your caloric expenditure, sleep cycles and oxygen levels.

Whether you’re an athlete or not, these monitoring functions can be very beneficial and useful. If you’re looking to track and improve your overall health, here are some of the best fitness trackers on the market.

Best fitness tracker for the price: Garmin vivosmart HR+

 One of the best fitness trackers available now, Garmin vivosmart HR+ features a wide range of useful (and accurate) features! To start, the wide touchscreen display is easy to read at a glance outdoors, which is a huge step up from some other available models. This means less fiddling with your phone during those long runs. Including a 5-day battery, a heart rate sensor, GPS tracking, automatic activity recognition, call/text notification alerts and a waterproof rating of up to 50 meters, this fitness tracker gives you a great bang for your buck. It’s the perfect workout mate!

$179.99

Best fitness tracker for sleep: Fitbit Alta HR

Featuring a wide range of interchangeable straps, the Alta HR is a great option for those who like to switch things up. But, that’s not what makes this fitness tracker so great. Focusing on functions that track sleep and heart health, this device aims to help users monitor their overall well-being. The built-in heart rate sensor can track your burned calories, even during non-step exercises like yoga and spinning. However, the sleep functions are what really make this a smart purchase. Featuring Sleep Stages and Sleep Insights, the Alta HR can do everything from estimating the amount of time you spend in light, deep and REM sleep, to providing personalized guidance on how to catch some better z’s.

 $149.95

Best fitness tracker for style and function: Withings Activite Pop

A new trend in wearables is emerging – mixing fitness with fashion! And many fitness trackers are getting an overhaul to incorporate sleeker, suaver designs. The Withings Activite Pop does this pretty effectively, providing all the functionality of a tracker in the discreet design of an analog watch. Users can tell when they’ve reached their step goals for the day by glancing at a sub-dial on the face. One full revolution of the hand means you’ve hit 100 percent! The device features replaceable rubber bands, tracks sleep, is water resistant up to 30 meters, provides Bluetooth connectivity and has an eight-month battery life. A newer (and equally amazing) model of this fitness tracker, Nokia Steel, is now available.

$58

Best fitness tracker for discreetness: Motiv Ring

Clunky designs and complicated controls have left many people hesitant about joining the wearables bandwagon. But the Motiv ring, which crams all the functionality of a tracker into its slender, titanium alloy frame, is exactly what some of us have been waiting for. It’s the perfect solution for those who want all the benefits of a fitness tracker without the awkwardness. The ring will be able to track steps, calories, distance and heart rate, with a battery life of up to 3-5 days on a single charge. Plus, it’s waterproof up to 50 meters (a huge bonus for swimmers). The Motiv Ring is currently available on iOS.

$199

Fitness trackers have evolved from counting steps to tracking REM sleep and more. And some devices have even detoured from the traditional fitness-oriented design to venture into areas of mental health. The Fitbit Blaze and Fitbit Charge 2 both feature a breathing tool called Relax designed specifically to help wearers de-stress. And more devices like this are on the way.

No matter what new capabilities wearable tech of the future may hold, one thing is certain: models will become smaller and sleeker while getting more advanced, powerful and intuitive. And as our technology continues to get smarter and increasingly more connected, consumers will have the unique opportunity to take personal health into their own hands.

Have fitness trackers improved your health? Tell us your story in the comments below.

One night, you’re lying awake in your bed thinking: I’m going to be a parent? How am I ever going to take care of a kid? How do I even find a pediatrician who I can comfortably put in care of my children?

My wife and I were lucky. She’s a registered nurse whose spent her whole career working in a major maternity hospital. She’d been in regular contact with the best – and the not-so-best – pediatricians practicing in our metro area. She had her future pediatrician lined up long before we got married and decided to have children.

And she was right, the doctor she chose was knowledgeable, calm and warm. Nothing fazed him. Not our kids’ midnight coughing fits or stomachs covered in red blotches. That made it easier for us and for our children to stay calm. They knew they were in good hands. (They also grew to understand there was a lollipop waiting for them at the nurses’ station on the way out the door!)

Finding the best pediatrician you can will be one way to make sure your child starts off life on the right foot and continues his or her growth right through the time they walk off the stage with a high school diploma in hand.

You’re going to spend a lot of time in doctor’s offices when you have kids. And, if you intend to have more than one child, those visits will multiply – exponentially, it will seem. There will be dozens and dozens of appointments, phone calls, emails and treatment plans to wade through over the 18 years that each child’s health care is in the hands of a pediatrician.

So, take the time to find a pediatrician that is right for you and your family.

While there is no single quality that makes someone an excellent pediatrician, there are certain attributes for which you need to look. Pediatrics is a popular specialty, so if you live in or near a city, you’ll have a choice of pediatricians.

To begin your search for a pediatrician, get referrals from your obstetrician/gynecologist, nurse-midwife or other parents you know. As with all medical consumer issues, do your homework.

Do they accept most health insurance plans? Don’t add to the anxiety of shepherding a sick kid by failing to learn whether the doctor accepts your health insurance.

Do they have patient reviews that you can see?

Is the pediatrician certified with the American Board of Pediatrics?

If you choose a family physician, is he or she certified by the American Board of Family Medicine? Family doctors are trained to care for patients of all ages – including children.

Does the doctor have specialized training? This is particularly important to know if you think your child will have special medical needs.

When you’ve narrowed your choices, make appointments to get a sense of how the doctors and their staffs interact with patients and with each other.

How is their demeanor? Are the pediatrician and the office staff welcoming, efficient and respectful? Do they thoroughly explain your options in an easy to understand way?

How do they interact with your child? Your child is not an adult and shouldn’t be treated like one. Teenagers, on the other hand, probably will appreciate a more grown-up approach from their pediatrician. Whoever you choose for your child’s pediatrician, they should be able to relate to and communicate with their patients, no matter the age.

Even so, there may come a time when your boy or girl will feel more comfortable with a pediatrician of the same gender. This is often the case as children grow into teenagers. A pediatrician that belongs to a group practice may make it easier to switch doctors. Some parents feel more comfortable around a pediatrician who has children of their own – don’t be afraid to ask about a doctor’s family status.

What about emergencies and off-hour treatment? Childhood ailments do not always present themselves at convenient times. You’ll want to know if there is a call-in policy and off-hour coverage.

Is the pediatrician really taking the time to consider the health care concerns I have for my child? You should have a sense that the pediatrician listens to the symptoms you describe and can draw your child – if they are old enough – into a conversation. The pediatrician should be willing to discuss treatment options that are right for your child. As with other medical professionals, you should have a sense the pediatrician you choose will be a partner for you and your family.

After the visit, ask yourself:

• Were there separate waiting areas for sick children and those arriving for exams or routine visits?
• Was the waiting area clean? Where there toys or books to keep children occupied?
• Did you have to wait a long time before you were seen?
• Did the exam feel complete?
• Did he or she listen to my questions and concerns?
• Did they make me feel comfortable?

In the end, what you’ll want to come away feeling is that whatever the age or gender of your child happens to be, a pediatrician will treat him or her as if they were their own child, with kindness and caring. And, if you’re lucky, they’ll let you have a lollipop on the way out the door.

Parents, share your sage advice with new parents in the comments below. How did you find a pediatrician for your kids? Or, if you’re the new parent, what other questions do you have in regards to choosing a pediatrician? 

India is one of the most exotic and ethnically diverse countries in the world. It features a rich history that spans five millennia, many languages, religions and sects, and a diverse terrain, from the Himalayas and surrounding mountain ranges to the Indian Ocean coastline.

If you’ve always wanted to travel to the vibrant and mysterious cities of this South Asian destination, consider an India river cruise. With modern ships that can navigate waters ocean vessels can’t and the convenience of docking right in the heart of cities, Uniworld Boutique River Cruise Collection offers a one-of-a-kind India travel experience on land and sea.

One of Uniworld’s India river cruises explores Delhi, Jaipur and Agra – known as India’s Golden Triangle of iconic sights and must-see destinations, as well as the Sacred Ganges.

Delhi, which consists of two cities, is a captivating mix of ancient and modern. The 13-day trip begins in New Delhi, where open green spaces and wide straight avenues are a far cry from Old Delhi’s matrix of winding paths and alleys mainly accessible by foot. Inhabited for at least 2,500 years, New Delhi has been rebuilt many times, and the capital city still harbors the ancient relics to prove it. River cruisers will enjoy a well-paced tour through the old and new, the sacred and secular, and visit some of the city’s remarkable landmarks.

Save on Uniworld River Cruises

AAA Members save up to $1,000 per couple on Uniworld River Cruises on bookings made by October 31. 

Book Now

In Agra, travelers will get a chance to cross another destination off their bucket list at the Taj Mahal. Viewed at sunset and at sunrise the next morning, cruisers are offered two stunning views of this “elegy in marble.” A grand tribute to love, the Taj Mahal is considered one of the most beautiful monuments in the world.

Next on the itinerary is Jaipur, known as “Pink City” for the color of its trademark buildings. The city’s color scheme of terracotta pink historically represents welcoming and hospitality, and this India river cruise welcomes you to see it all. At the city’s center stands the City Palace complex, featuring gold-inlaid ceilings, ornate gateways, beautiful gardens and courtyards, and a museum. Travelers will also get a chance to see Jantar Mantar, an ancient observatory still frequented by local astrologers. The 13 architectural astronomy instruments on site are mesmerizing.

As the itinerary unfolds, the adventure continues to many other cities, landmarks and destinations. On the meandering cruise along the Scared Ganges, a seat out on the sun deck offers views ranging from rowboats transporting cows to former colonial settlements featuring European architecture. The trip ends early morning in Kolkata, considered by many Indians to be the nation’s intellectual capital, where travelers will journey into the enduring legacies of Mother Teresa and the colonial-era British Raj.

Multifaceted and mesmerizing, India is a place unlike any other. The country is rich with natural beauty, history and religion, the ancient and modern, even sights of romance. It is bursting with culture and mystery. And on Uniworld’s second India river cruise option, travelers are given the opportunity to get up close and personal.

The 12-day trip explores the same portion of India’s Golden Triangle and the Sacred Ganges, but the four day pre-cruise tour with Uniworld partners ME to WE offers travelers a more immersive experience through India’s countryside. This preliminary excursion begins in Udaipur, where guests call the stunning Araveli Cottages and Tented Camp in Rajasthan home for two nights. To prep for the immersive transition into India’s vibrant culture, there is a lesson in basic Hindi phrases before heading out into a local village where a Hindu tradition awaits. In the village, cruisers join the community for a Poja, a Hindu prayer ceremony that marks the beginning of an auspicious event.

The four days are spent mingling with community members, learning about daily life in rural India, savoring traditional cuisine, waking up to yoga sessions that overlook the vast Aravalli Mountain Range and more. Then the next phase of the journey begins as travelers board the lavish and elegant Indian-inspired décor of the Ganges Voyager II and head to the site of Kalna’s magnificent Hindu temples.

On both of Uniworld’s India river cruises, guests can enjoy plenty of all-inclusive perks and amenities on board, from the elegant and serene décor that characterize the suites, staterooms, and shared spaces, to the stylish restaurants run by top chefs. Head over to the expansive sun deck for beautiful views, get a massage at the spa, or visit the plush lounges and full-service bars for dancing and after-dinner entertainment.

Available on every sailing is a complimentary wellness program, where relaxed yoga sessions that are designed to promote holistic health at every stage are led by a certified yogi. Guests will even find an accompanying menu featuring organic meals and healthy eating guidelines during breakfast, lunch and dinner.

From ship to city, Uniworld promises an attentive, thoughtful and exhilarating experience. Their mission: to provide discerning guests with a truly unsurpassed and unforgettable river cruise experience.

Looking to book one of Uniworld’s India river cruises or explore a more detailed itinerary? You can browse upcoming departures and find more information here.

Becoming a new parent is one of the most emotionally rewarding – and financially challenging – times. But don’t let the anxiety associated with seeing bills stack up dampen the joy of welcoming your firstborn into this world.

Despite the added expenses of caring for a newborn, there are ways to save money with careful planning. It’s possible to budget your finances even in light of the cost of medical expenses, diapers, toys, clothing and child care. To help you take charge of your budget, we’ve rounded up these helpful money saving tips for new parents.

The costs of a new baby

Even before your child is born, you should sit down with your partner to iron out your budget. What is your current income and what are your expenses? How much discretionary income do you have after you pay for your fixed bills and what will be allocated toward savings? Consider if your income will change once the baby arrives. For example, will it be more cost effective to have one person in the household stay at home to take care of the newborn?

Full-time child care costs a married couple 7 to 16 percent of their median income, according to Child Care Aware of America. For single parents in the United States, that cost is 24 percent of their median income. Child care is one of the biggest expenses for parents. For a couple with an income of $59,200 to $107,400, raising a child from birth to 17 years old will cost $233,610, according to the 2015 “Cost of Raising a Child” report released by the U.S. Department of Agriculture.

After you’ve created a budget, figure out how much money you can afford to set aside for the baby’s savings. This is your safety net. Having money set aside before your child is born will help you when emergencies pop up. Create a baby emergency fund before thinking about a college savings.

Money savings tips for new parents – cutting costs

As a first-time parent, there’s a lot of pressure to not make mistakes. But you don’t need the swankiest baby gear and designer clothes to raise a healthy and happy baby. In fact, if you shop smartly and reuse baby items, you can save money and be environmentally friendly. While it may seem counterintuitive to think about savings when you have a new baby girl or boy, it is possible. Here are some money saving tips for new parents:

Reuse everything. Reach out to other parents to reuse their baby clothes, toys, breast pumps and anything else that would be helpful. When buying clothes, always opt for second-hand finds. Buying used means you’re reducing waste. Plus, your baby will never know the difference.

Buy in bulk. Some of the most valuable money saving tips for new parents center on going to warehouse stores to buy diapers, which typically offer a cheaper price per unit than grocery stores. Do some online research and find companies that provide free diapers when you sign up for trial offers. There’s always your grandparents’ solution: use cloth diapers. If you’re really in a bind to pay for diapers, search online for nonprofits that assist low-income parents.

Buy smart gear. Finding baby equipment that grows with your child is the best investment you can make. Strollers, car seats, cribs and high chairs that can be adjusted as your child grows will save you money over time.

Meal plans. Make your own baby food out of fresh fruits and vegetables rather than buying store bought jars. Meal planning is another way to save. Set aside a day to write out all of the meals you’ll make every day for every meal. This will help you resist the urge to eat out, which will ultimately hurt your budget and your waistband.

Find free classes and workshops. Rather than paying for costly baby music or art classes, see what’s offered for free in the community at your local libraries, parks and community centers.

Join a babysitting co-op. You’ll have to adapt your budget to make accommodations for childcare, but there are ways to cut costs. Think about becoming a member of a babysitting co-op or enlist the help of friends and family as much as possible.

Fortunately others have gone through the trials and errors of parenthood, and they have good money saving tips for new parents. Don’t be shy about seeking advice from other parents in your social circle and online. Being a parent is about being resourceful and one of your biggest resources are other parents.

What was your best method to save money as a new parent? Share it with your fellow AAA members in the comments section below.

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

Visiting Europe is a fun experience in any season, but if you’re traveling to enjoy the continent’s renowned tulips, spring is the time to do so. A Holland cruise down a local river with time in Belgium and Amsterdam is an unforgettable way of seeing each country’s floral beauty.

Passengers on Holland cruises enjoy floating past windmills beset by fields of blooming flowers, an experience interrupted only by excursions to spectacular attractions.

Keukenhof Gardens, in Lisse, the Netherlands, for example, features more than 7 million tulips and is one of the most popular attractions in all of Europe. Many Holland cruise itineraries also include time in Kinderijk, home to Holland’s largest concentration of windmills, and scenic canal cruises through the charming heart of Amsterdam.

Many Holland river cruise trips also feature sightseeing tours of Bruges, Belgium, along with visits to Arnhem, in the Netherlands, a favorite summer retreat of the Dutch royal family.

Here are a few highlights from some Holland river cruise itineraries that also venture into Belgium.

Amsterdam, the Netherlands

A lot of cruises in this neck of the woods start in Amsterdam, the 800-year-old thriving capital of the Netherlands. Modern river cruising ships offer the newest technology, panoramic decks, delicious cuisine (including regional wines) and outstanding service. The ships are so nice, in fact, a lot of travelers spend their first nights aboard enjoy their new accommodations, meeting fellow passengers and sitting down for introductory gatherings.

That said, before setting sail, be sure to check out some of Amsterdam’s most important sites and its diverse architecture. The city is linked through numerous canals and one of the best ways to start an Amsterdam river cruise, or at least a river cruise departing Amsterdam, is with a canal tour through the city.

Voldendam, the Netherlands

Volendam is a relatively short sail from Amsterdam, and worth exploring a bit if your ship pulls into port. The little fishing village is still home to fishermen dressed in traditional caps and baggy trousers. Travelers may also use their time in Volendam to visit farms to learn how local cheese is made. Sometimes, lucky visitors get to sample some of the tasty results.

Arnhem, the Netherlands

Arnhem is a favorite summer retreat of the Dutch royal family. Your schedule will dictate how much time you have to explore, but some of the more popular local sites include Burgers’ Zoo and Safaripark, with animals and a playground, and, for those in search of local culture, the Netherlands Open-Air Museum and National Heritage Museum.

Middelburg, the Netherlands

Middelburg is the capital of the Dutch province Zeeland, and a former Dutch East India Company trading city. You’ll be hard-pressed not to see at least a few monuments: The city has more than 1,100 of them, enough for it to be commonly known as the monumental city. The Delta Works Project, located at Neeltje Jans, is an interesting excursion if it’s available. With a substantial amount of land beneath sea level, the Netherlands has a high flood risk. Delta Works is an amazing example of how the Dutch are safeguarding themselves from such a natural disaster. Veere is another interesting local spot, about 15 minutes away by car. It was a prosperous port in the Middle Ages because of a wool trade with Scotland.

Antwerp, Belgium

Antwerp is Belgium’s second-largest city. It boasts beautiful Gothic and Baroque architecture and lively cafés. Explore local sites including the Liebfrauenkirche – Belgium’s largest Gothic church, the legendary Brabo Fountain and the home of prolific painter Peter Paul Rubens. If you’re interested in shopping, Antwerp has a lot to offer.

Ghent, Belgium

The center of Ghent is lined with typical patrician houses. St. Bavo Cathedral, with its world-famous painting of the altar of the citizens of Ghent, is a popular place for tourists, as is the Belfry, with its bell tower, which dates back to the early 14th century.

Bruges, Belgium

Bruges, one of Europe’s most perfectly preserved medieval cities, is easy to explore on foot. The city, like Amsterdam, is linked by canals and a canal tour is an interesting way of sightseeing. Spend some time in the historic city center, tour Burg Square and enjoy the unforgettable atmosphere of the Basilica of the Holy Blood.

Kinderdijk-Lisse

Stop in Kinderdijk (a UNESCO World Heritage site) to experience Holland’s largest concentration of windmills – many of which are still operating – and to get a revealing glimpse into Holland’s age-old battle with the sea. If possible, take an hour drive north explore the world-famous Keukenhof Gardens, in Lisse, spanning more than 70 acres within a beautiful park of tranquil ponds and shaded paths. With more than 7 million tulips and other flowers on exhibit, Keukenhof is a kaleidoscope of color in bloom.

Learn more about this exciting trip. 

To learn more about AAA vacation packages and to search for or book a trip similar to the Holland cruise outlined above, go to AAA.com/Vacations.  

So you’ve decided to travel around Asia solo. Congratulations! Solo travel can be so rewarding: you decide what to do and when to do it, and are more open to meeting locals and fellow travelers. Your main concern about your upcoming solo Asia travel may be safety—how do you know if you’ll feel secure when you’re in a new land where you might not speak the language and are thousands of miles away from home? We’ve done the research for you and have rounded up the best Asian countries to visit as a solo traveler when it comes to safety.

Safest countries for Asia travel

5. South Korea

Despite its placement adjacent to volatile North Korea, travelers cite South Korea as one of the safest places for solo travelers. Metropolises like Seoul and Busan are especially tourist-friendly. In these major cities the subway announcements and signs are in English and Korean, making wayfinding simple. Koreans are known for their friendliness towards tourists and are eager to help visitors whether or not they speak English. As with anywhere you travel, be vigilant of your belongings in crowded, urban areas.

4. Taiwan

 The island nation of Taiwan is known for its modern amenities and low crime rate, making it a place where solo travellers will feel safe. People who visit Taiwan say that the Taiwanese people are culturally very helpful to foreigners. Visitors also say that Taipei’s cleanliness and ease of getting around add to the feeling of security. The data backs up this feeling, as Taiwan is near the top of the Global Peace Index’s ranking of nations in Asia and the U.S. State Department notes that crime is rare in Taiwan.

3. Singapore

The island city-state nation of Singapore is a great introduction to Asia travel, and is one of the safest spots for solo travel. Because it’s a melting pot of Chinese, Malay and Indian cultures and many religions, Singapore is a great place to sample other Asian cultures. Travelers who have spent time in Singapore say that it is impeccably clean and well organized. Because English is one of Singapore’s official languages, tourists will have an easy time navigating solo or approaching a local for assistance.

Singapore also boasts one of the lowest crime rates in Asia, and 98% of locals say that they feel safe walking alone at night. Singapore is also the third-most peaceful country in Asia according to the Global Peace Index. Even still, the U.S. State Department reminds visitors to Singapore be mindful of personal belongings in busy areas and to avoid credit card fraud by only carrying one card at a time.

2. Bhutan

Visitors to the Buddhist kingdom of Bhutan will feel like they’re on their own Eat, Pray, Love pilgrimage while visiting monasteries tucked away in the Himalayan landscape. Bhutan is the second most peaceful Asian nation after Japan in the Global Peace Index, so solo travelers will feel at ease.

Except for Indian nationals, all foreign visitors must visit Bhutan through an authorized Bhutanese tour operator and guide. With a local guide by your side, solo travelers will never be alone and should not worry about safety. The State Department also reports that Bhutan has little crime.

Although Bhutan’s official language is Dzongkha, middle school and high school are taught in English, making it even easier to communicate with locals.

1. Japan

Japan ranks tops the charts of the Global Peace Index as the safest, most peaceful country in Asia. The travelers we spoke to praised Japan for the sense of security it afforded foreign visitors.

Tokyo and Japan’s other urban centers are perfect for solo travelers. Their modern transportation systems make getting around a breeze and while not everyone speaks English, the Japanese are proud of their country and will generally be happy to help you find your way. Female solo travellers will enjoy the added security of female-only accommodations and subway cars.

Although crimes against U.S. citizens are fairly rare, the U. S. Department of State encourages travelers to be wary of theft in crowded areas and to be vigilant after drinking, especially in Tokyo’s nightlife districts.

Even in the safest destinations in Asia, travelers should be aware of their surroundings and belongings. We advise keeping your wallet and passport in a money belt tucked under your clothing. Check the U. S. State Department’s website for up-to-date travel advisories.

Did you know you can book your flights, accommodations and rental car with AAA? AAA members are eligible for even more savings on their Asia travel. It’s as easy as search, book, save.

Did we miss your favorite destination? Let us know in the comments below.

Plan and book Asia travel with AAA. 

During the school year, the regular rigmarole of a busy parent’s day goes something like this: work, cook dinner, shuffle the kids to basketball practice and ballet class, make sure they do their homework, sleep. Wake up, repeat.

Squeeze making lunches into the list and free time becomes a mere whisper in the wind.

Quick dinners that can easily be turned into lunches may save you time and energy. The following recipes will be a hit at dinner – and an even bigger hit at lunch the next day.

Chill Chili

Pasta is a parent’s go-to easy meal, which is why Rachael Ray’s 30-minute recipe for chili mac is the perfect option for families juggling work, school and extracurricular activities. Chili mac combines all of the flavors of a chili with a hearty pasta dish. The meal reheats well and will still pack a spicy punch the next day.

Greek Goodness

What could make a kid happier than leftover pizza? Pioneer Woman Ree Drummond’s recipe for French bread pizza is quick and easy to make: top with Greek salad ingredients like olives, feta cheese, tomatoes and cucumber, and you’ve got a healthy dinner-turned-lunch.

Diamond Chicken Strips

Executive chef James Hackney of Twenty-Eight Atlantic, the AAA Four Diamond Rated restaurant at Wequassett Resort and Golf Club in East Harwich, Mass., shared his recipe for fried chicken strips. The kid-friendly strips, seasoned with paprika, kosher salt and garlic powder, will be just as tasty tomorrow as lunch.

It’s a Wrap

Executive chef Chris Shea of The Wayfarer, a AAA Three Diamond restaurant in New York City, shared his recipe for chicken paillard salad. The mixture of escarole, herbs, apple slices and almonds is drizzled with a vinaigrette and paired with roasted chicken. For lunch, fill a wrap with the leftover salad and chicken and top with avocado or tomato.

We did it again!

AAA Insurance has been named Brand of the Year for its multiline insurance offerings, according to the independent and prestigious 2018 Harris Poll EquiTrend study.

“It is an honor to be recognized as the highest ranked multiline insurance brand,” said Frank Doyle, senior vice president of insurance services for AAA Northeast. “An independent evaluation of our brand validates what we’ve known for years – quality products and exceptional customer service have created a brand that Americans trust to catch life’s curveballs.”

AAA Insurance received the highest equity score among multiline insurance brands included in the study, which was based on the opinions of 77,031 U.S. consumers ages 15 and over surveyed online between Jan. 3 and Feb. 15.

What’s more, this exciting news follows AAA being named the 2017 Auto and Home Insurance Brand of the Year in the 2017 Harris Poll EquiTrend study, and 2016 Auto Insurance Brand of the Year in the 2016 Harris Poll EquiTrend study.

Visit AAA.com/HarrisPoll for details on Brand of the Year. Visit your local AAA branch or go to AAA.com/Insurance to talk to an agent about award-winning insurance.

A visit to a theme park just isn’t complete without a couple of thrill rides. Being dropped from several stories up, sharp turns and inversions,  fast speeds, riding in the darkness – thrill ride seekers just can’t get enough of it all. If you’re heading to Universal Orlando or thinking of going soon, and you want to get a good thrill in, you’re in luck.

Ranked on a scale from Chill to Thrill, with “Chill” being fairly tame, “Better Still” representing rides that deliver an even bigger rush and “Thrill” being the most intense, we’ve compiled a list of rides in Universal Orlando that are sure to get your heart racing. And to make your search even easier, we’ve ranked all the rides by park.

Universal Studios Florida

Woody Woodpecker’s Nuthouse Coaster

Thrill Level: Chill 

Know someone who needs to be gently introduced to thrill rides or needs a chill thrill ride? That’s what Woody Woodpecker’s Nuthouse Coaster is for. This coaster gently swoops and turns through Woody’s nut factory that’s filled with puns and jokes galore. It’s your classic coaster without all the death-defying drops and swirls, so anyone can enjoy it.

Fast & Furious – Supercharged

Thrill Level: Better Still

Join Dom, Letty, Hobbs and the rest of the Fast & Furious crew to look at the vehicles and locations from the films themselves. But, when you least expect it, an enemy attacks, and the chase is on! Staying at the same pace with the crew in this ultra-fast ride will be crucial in your survival.

Harry Potter and the Escape from Gringotts

Thrill level: Better Still

Venture to the far end of Diagon Alley™ and enter the Gringotts™ bank underneath the huge fire-breathing dragon. As you wait for the ride, you’ll have a chance to walk through the bank’s fantastic marble lobby and see the goblins hard at work.  Then, you’ll take a journey and meet Harry, Ron and Hermione so you can avoid villains such as Voldemort™ and Bellatrix as well as trolls and more that stand between you and your return to Diagon Alley™. This is a must thrill ride, even for non-Harry Potter fans!

Hollywood Rip Ride Rockit

Thrill level: Thrill

Have you ever wanted to scream on a roller coaster to the soundtrack of your life? Look no further than Hollywood Rip Ride Rockit. This rip-roaring ride will have you travel at a 90-degree angle towards the sky, then dramatically drop you before blasting you through the track at 65 mph – all to the song of your choice, bumping through the speakers in your seat. At the end, you’ll have a chance to relive your adventure by purchasing a photo or a video of the experience.

Race Through New York Starring Jimmy Fallon

Thrill level: Thrill

Hey, hey, hey, hey! Fans of “The Tonight Show Starring Jimmy Fallon” will be thrilled to experience the history and fun of Studio 6B.  After sending a “Thank You Note,” seeing Hashtag the Panda and enjoying a barbershop performance by the Ragtime Gals, go on an extremely fast-paced ride through, below and above New York City with Jimmy Fallon and pals.

Revenge of the Mummy

Thrill level: Thrill

Others might tell you this ride’s not all that scary. It’s not the conventional outdoor roller coaster filled with twists and turns and inversions. But, that doesn’t make it any less of a thrill. “Revenge of the Mummy” will have you thrashing forward and back on the track as you try and escape the evil mummy Imhotep. Insects, warrior mummies and fire are just some of the things that he’ll throw at you. And just when you think you’re safe and sound? You’ll go on a pulse-quickening ride that goes on and on in the abyss.

Universal’s Islands of Adventure

Flight of the Hippogriff

Thrill level: Chill

This family-friendly coaster starts with Hagrid’s instructions on how to take care of a Hippogriff, a magical creature with the front legs, wings and head of a giant eagle and the body, hind legs and tail of a horse. Then, the Hippogriff will take you around the Care of Magical Creatures grounds and through the pumpkin patch. You’ll gently swing by Hagrid’s hut before making your return.

Doctor Doom’s Fearfall

Thrill level: Better Still

If you consider yourself a thrill ride pro, this ride – one of the two Marvel-based thrill rides on the list – will challenge your limits. Here’s the story: Doctor Doom needs to test his latest invention that sucks fear out of people. And he’ll use this fear as a weapon against the Fantastic Four. How is he going to possibly get fear out of you? His henchmen will strap you into a seat, blast you 185 into the sky with more thrust than a 747 jet’s and hurl you down with a force stronger than gravity itself. You won’t even have time to catch your breath on this ride!

The Incredible Hulk Coaster

Thrill level: Thrill

For the other Marvel-based thrill ride, you’ve volunteered to be a test subject for a potentially life-altering science experiment based on Dr. Bruce Banner’s research. You’ll step inside a high-security research compound commanded by General Thaddeus “Thunderbolt” Ross who blasts you with gamma radiation. Then you’ll be catapulted out with the force of a fighter jet and you’ll need to hang on with superhuman strength as the red-line rampage breaks its way through the sky.

Skull Island: Reign of Kong

Thrill level: Thrill

The ride starts the moment you walk in and wait in line, from the movie score playing to the temple ruins and skulls in the queue. Once you’re aboard, you and your guide will go deep into the heart of the jungle. Suddenly, you’re under attack! Your guide tries to fight off the attackers, but it’s only until King Kong – at three stories tall and 18 feet wide at the shoulders – shows up and gets in-between them. Is King Kong friend or foe? It’s not easy to tell, but one thing’s for sure: you’re in his domain now.

Universal’s Volcano Bay

Kala & Tai Nui Serpentine Body Slides

Thrill Level: Chill 

After taking a leap of faith at the top of a volcano, two guests will plunge down twin trap doors through clear, intertwining tubes on a fast-paced water adventure towards the sparkling turquoise pool at the bottom. If you love simple yet thrilling water rides, this ride’s the one for you.

Ohyah of Ohyah & Ohno Drop Slides

Thrill level: Chill 

After you ascend the side of a cliff, you’ll plummet down twisting and cold waters and get dropped four feet above a swirling pool. This thrilling water ride will make you want to ride it again and again!

Krakatau Aqua Coaster

Thrill level: Better Still

A misty journey with dark twists and turns on a four-person canoe within a volcano awaits. At the end of the journey, you plunge into a glistening waterfall. This ride, which is at the heart of Volcano Bay, is a thrilling adventure that’s sure to get you thoroughly soaked.

Ohno of Ohyah & Ohno Drop Slides

Thrill level: Better Still 

A treacherous climb to cross a deep chasm, a rickety rope bridge and a deep plunge into a swirling adventure that ends six feet above the pool at the base of Krakatau™ awaits riders of the Ohno Drop Slide.

TeAwa the Fearless River

Thrill level: Better Still

You’ll face roaring rapids and chopping waves when you ride TeAwa the Fearless River in Hammerhead Beach. A life vest is a must-have when you face this treacherous whitewater ride.

Ko’okiri Body Plunge

Thrill level: Better Still 

A ride based on the centuries-old tradition of honoring the volcano god Vol means that this ride is no joke. A 70-degree fall through a drop door, 125 feet of white-knuckle fun and a dizzying descent awaits all who dare to put themselves in Vol’s presence. As a reward for the journey, there is a wonderful payoff with a watery tribute from Vol.

Puihi of Maku Puihi Round Raft Rides

Thrill level: Thrill 

If you want a good thrill ride that’ll get your heart racing, this multi-person rafting ride will do the trick. The lava-tube path will test your bravery as you hurtle through a dark, winding cavern before you experience the sensation of zero gravity as you rush out the tunnel and splash to the bottom.

What are your thoughts on these thrill rides rankings? Let us know in the comments!

AAA Members get special savings and exclusive member benefits when they book select 3-nights or more vacation packages as well as discount tickets. To find out more, click here. 

If you can’t resist a good ghost story, the Haunted History Trail of New York State is full of them. With 82 allegedly haunted hotels, restaurants, museums and other eccentric spots to explore, there’s no better time than the spooky season to try and hit as many stops as you can. They’re scattered throughout the state, so you can choose to stay close to home or explore a little bit. For paranormal fans, ghost hunters or those simply interested in learning more about the past, here are a few standout locations.

Frights

Feel the energy in the room shift inexplicably when you visit real haunted houses like Miss Fanny’s Victorian Party House in Wappingers Falls or Knox Mansion in Johnstown. Both are private residences that the owners open for tours by appointment for a small fee.

Museums and historic buildings can also be hotbeds of paranormal activity. The Saratoga Springs History Museum, Schoharie’s Old Stone Fort Museum and the National Baseball Hall of Fame in Cooperstown are among those that offer haunted history and ghost tours. You might even meet the spirits of a few late presidents at the New York state Capitol building in Albany.

For a lighter fright, meet the spirits at Yaddo Gardens in Saratoga Springs, located on the grounds of the prestigious artists’ retreat. Public ghost tours are $10 per person and take place Friday and Sunday evenings through Oct. 28.

Bites

If food is better with friends, then why not ghosts? Find out at the Calaboose Grille. Once the Owego Town Jail, the cells remain, along with a few lingering cellmates who have been known to cause some mischief.

Or sit a spell at the Bull’s Head Inn. Constructed in 1802, Cobleskill’s oldest building was once the residence of Mrs. John Stacy, an avid prohibitionist. All fingers pointed to her when odd activity – such as slamming doors, items being pushed off tables and sightings of a woman in white – started occurring in 1966.

At Grapevine Farms Restaurant & Boutique, also in Cobleskill, customers often tell the owners that something feels off, especially on the third floor of the 1860s farmhouse. Not to fear; it’s only former owner – and resident spirit – David. The place is completely charming and homey, so it’s understandable that he wouldn’t want to leave.

Scary Nights

Everything is spookier in the dark. Search for spirits in the shadows on Rochester Candlelight Ghost Walks, Rome Lamplight Tours or investigate Rolling Hills Asylum by flashlight.

For lodging options that are as hauntingly beautiful as they are haunted, book a stay at the Batcheller Mansion Inn in Saratoga Springs or the live-in art piece Wing’s Castle in Millbrook overlooking the Hudson Valley. At Pine Bush House Bed and Breakfast, supernatural occurrences are natural. Don’t forget to look up: Pine Bush is the UFO capital of New York.

Visit AAA.com/HauntedHistory to read more about Marisa’s experiences on the Haunted History Trail of New York State.