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.

Credit cards are quickly becoming the most popular way for consumers to pay for goods and services. They’ve been around for almost a century, and since then, they’ve completely changed the landscape of spending in America and around the world. Have you ever wondered about the credit card life cycle or how it’s made?

A short history of the credit card

Credit cards came into being in the United States during the 1920s, when companies started issuing them to customers to use within their establishment. In 1950, a universal credit card was introduced by Diner’s Club, Inc. This card could be used at a variety of establishments. American Express established a travel and entertainment card in 1958. This was the first system that charged annual fees and sent out bills on a regular, monthly basis. Merchants who accepted the card were expected to pay a service fee to the credit card issuer, usually 4% to 7% of the total charge.

Later in 1958, Bank of America started the bank credit card system, calling it the BankAmericard. With this system, banks credited merchant accounts as sales slips were received. The charges were billed to the cardholder at the end of the month with interest. Consumers could pay the bank in monthly installments. The program started in California and began spreading to other states in 1966. In 1976, the credit card system was renamed Visa.

How is a credit card made?

Now that you know how credit cards came about, are you curious about how they are manufactured? Over the years, credit cards have been made with metal, fiber, celluloid plastic and paper. Today, credit cards are made with thin sheets of laminate plastic known as polyvinyl chloride acetate or PVCA. The unique chemical composition and design of modern credit cards allows them to be flexible, durable and waterproof.

Credit card life cycle: The manufacturing process

• Compounding and molding – The life cycle of a credit card begins when a formula is created by mixing melted polyvinyl chloride acetate with additives. The molten plastic is then rolled and molded into flat sheets. The sheets are cooled, cut, and stacked. The core and laminate sheets are made using a similar process, but the laminate sheets that coat the core are thinner and more transparent.

• Printing – Graphics and text are printed on the plastic core using a common silk screen process. The magnetic ink that forms the strip on the back of the card is imprinted on the laminated sheets because iron oxide particles can only be read when they are close to the surface of the card. This is done either by printing with magnetic ink or using a hot stamp on the surface of the card.

• Lamination – In order to protect the finish of the credit card and increase its strength, several layers of lamination are added to the core. Sheets of core plastic are fed through a system of rollers with laminate stock above and below. Heat lamps bond the laminate film to the core stock.

• Die cutting and embossing – Once lamination is complete, a die cutting method is used to cut and trim the credit cards. An embossing machine creates the raised letters and numbers on the cards, and then personalized information is programmed onto each magnetic strip.

• Adding the chip – Modern credit cards are equipped with a chip for added security. The tiny computer chips are inserted after the lamination process is complete. Creating chip credit cards has raised the cost of manufacturing from less than 10 cents to more than a dollar per card.

Credit card life cycle: Design

Before cards can be manufactured, there are lots of design elements to consider. Complex features help prevent and detect fraud. These include the magnetic strip and chip that we discussed earlier, but there are other innovative features that aren’t as noticeable.

• Your account number – Did you know that every credit card issuer relies on a different number of digits to ensure that card numbers are unique and nearly impossible to duplicate? Visa accounts have 13 digits, Master Card accounts have 20 and American Express cards have 15. The statistical security makes it very unlikely that someone will be able to make up a number and use it.

• The signature panel – The signature panel is printed with a unique design that will come off if the signature is ever erased or compromised.

• Holograms – Holograms have been a feature on credit cards for many decades. They were originally used to detect and prevent forgeries. Because most security breaches today do not stem from actual forgeries, modern holograms are mainly a unique design feature.

As technology changes, so will the manufacturing process for credit cards. Breakthroughs in digital technology will continue to improve credit card security, making theft and fraud more difficult.

What credit card design or safety features do you think are the most important in the credit card life cycle? Tell us in the comments section below.

It is a rite of passage to be eligible for senior discounts when you reach the age of 65. But for many seniors who live primarily on Social Security benefits and survive without a pension or savings, discounts are a necessity.

About half of people are in danger of not being able to maintain their lifestyle when they retire, according to the Center for Retirement Research at Boston College. Are you financially prepared for retirement? Are you saving for retirement properly? Whether you’re a retiree struggling to make ends meet or a worker worrying about building your nest egg, there are resources available to ensure that you don’t fall short of your retirement goals. Find out about saving tips and discounts to help with saving for retirement.

Best retirement plans

These days people are living longer than ever. There will be over 79 million Americans over the age of 65 by 2035, according to the Social Security Administration. For seniors, 33 percent of their income comes from Social Security. Of the 173 million people working 46 percent don’t have a pension plan and and 39 percent have not saved any money for retirement.

Saving for retirement begins with assessing your savings plans. There are various types of retirement savings plans that can supplement Social Security benefits and support a retiree’s lifestyle. To start with, consider your plans. Do you have a 401(k) or a IRA?

401(k). To be prepared for retirement many workers are encouraged to postpone retirement and continue working later in life. This allows workers to continue contributing to their 401(k) plans until they reach the age of 70, if they’re able to. If your company has a matching 401(k) make the highest possible contribution. It’s essentially free money. All of your contributions are tax deductible and the money grows tax-deferred.

IRA. For workers without a 401(k) plan an IRA is the next best option. Depending on the type of IRA (Roth or traditional), there are limits to how much you can contribute. Your bank or brokerage firm can help you set up an IRA. The main benefit of an IRA is you are in control of your money and decide on how to invest the funds.

Pension plans

Unlike 401(k) plans where employees and employers make contributions, with pension plans employees are not always required to make contributions. Employers sometimes solely put money away for employees while they’re working. Government jobs traditionally have provided workers with pension plans, but in recent times they’re becoming less common.

Typically when an employer retires, a pension check is paid on a monthly basis. Pension plans are taxed when funds are withdrawn. The amount you receive depends on the length of your employment, your age and your salary. Pension plans are protected if insured under the Pension Benefit Guaranty Corporation. But there are times when companies can’t meet their pension obligations.

401(k) withdrawal

A 401(k) looks like savings amount, but there are costly penalties to withdraw money before you reach the age of 59.5 years old. To prevent you from taking money out early the IRS taxes you 10 percent for each withdrawals. However, there are exceptions to the penalties for early withdrawals such as if you become disabled, die, or you’re fired, among other reasons.

Finding discounts

To maintain your lifestyle in retirement, come up with a budget and find ways to cut costs. Senior discounts extend farther than just free cups of coffee. From grocery store freebies to travel and cruise discounts, seniors can tap numerous opportunities to cut back on their spending and stretch their budget. Finding ways to save and budget gives you peace of mind to enjoy your golden years.

And you don’t have to wait until you’re 65 years old to start asking for senior discounts. Many restaurants and shops honor senior discounts for people ages 50 to 55 years old. Make it a habit to always ask for senior discounts wherever you are. You may be surprised at the savings. Some eateries offer 5 percent to 10 percent off meals on certain days for seniors, or a free coffee or beverage everyday. Grocery stores also offer additional savings for seniors on specific days. To find deals and coupons in your area specifically for seniors, search online or visit SeniorDiscounts.com. Another tip to decrease your spending is to unsubscribe from advertisements and mailers that encourage you to spend.

If you have questions about your savings plan, seek financial advice from the experts. Make sure the person advising you is indeed an expert. Do your homework to find out about their job title before you take any financial advice. Who’s really an expert? Before you put your savings into someone’s hands, search the Financial Industry Regulatory Authority website to make sure they are trustworthy and to better understand professional credentials and designations.

Learn more about AAA Financial Services. 

Did you learn anything from a parent or friend about saving for retirement? Share your thoughts on the subject in the comments section below.

There are so many places in the world to settle down and build a home. Maybe home is a big sprawling house in the suburbs, or a tiny apartment in a big city. Home is what you make of it.

Home insurance cost, however, is very much determined by where you choose to live. Weigh your options to determine whether mortgage vs. rent works best for your overall budget.

The difference in home insurance cost

If you’re paying homeowner’s insurance, you are paying insurance for a lot more property than you would be if you were a renter. This is not a hard and fast rule, and everyone’s situation is different. However, as a homeowner, you are responsible for an entire household and the immediate property, while a renter is paying insurance on their possessions.

In addition, a homeowner has to directly pay property taxes, home maintenance costs, landscaping, lawn care and other costs associated with owning a home. A renter can pay into these costs, but their landlord is the one setting the terms and redirecting the funds. This can even include the cost of utilities and internet service in some situations. It depends.

However, a homeowner gets many more tax breaks and benefits than a renter. Tax credits help offset the cost of home ownership, and enable homeowners to eventually break even.

If it comes down to home insurance cost, there are several mortgage vs. rent calculators on the internet to help you determine which option is right for you. This one from the New York Times is particularly detailed.

Renter vs. homeowner benefits

A renter can turn to their landlord to fix a broken doorknob or a busted window. The homeowner must find and hire people to maintain their property on their own, and pay those people directly. Granted, some people may prefer to pick who cares and maintains their property and fixes their household, while others may not.

For the homeowner, picking their own handyman means being able to go to someone they trust instead of someone they are not familiar with. For the renter, their landlord might have more pull with local contractors and be a needed advocate for the property.

However, a homeowner is paying off a home with the eventual goal of owning property. A renter can live in the same apartment for 30 years – as long as the typical mortgage – and not truly own their home. While mortgages do require interest, there is also the likelihood of a big return on the investment of buying a home. A renter, meanwhile, is not likely to see a return on their investment.

In addition, renters have less freedom to decorate their homes, paint the walls and make renovations. Some rental agreements restrict wall hangings because they create holes, while other agreements are more relaxed. It very much varies. While a homeowner is free to reshape their house as they see fit (within reason and following local laws) a renter is legally obligated to return their rental to their landlord in the same condition it was purchased in.

Overall, renting is more beneficial in the short term, while home ownership is most beneficial for long term occupancy.

About renters insurance

Renters insurance provides coverage for lost, stolen or damaged possessions in your apartment. With renters insurance, you are protected for damage to your belongings and if someone gets injured while inside your apartment.

When you own a home, you also own the property in and around your home. If you rent your home, your landlord is the property owner. A landlord has the responsibility to protect and maintain the building structure. But a landlord, who may own your building, is not responsible for the objects inside your rented apartment, accidental injury or other legal liability.

In fact, your landlord may have insurance, but not for your specific living area. Of course, check with your insurance agent and ask about the specifics of your policy. In addition, check it against the coverage that your landlord has purchased.

Mortgage vs. rent? In your opinion, which is the better option? Tell us in the comments.

AAA provides both mortgage services as well as renters insurance. Talk to an agent today or visit AAA.com/Insurance to get a quote.

Las Vegas has certainly earned its reputation as the casino capital of the world.   Once you’ve been there and seen Vegas in all its over-the-top, neon splendor, you figure it’s got to be the ultimate gambling destination.

Wrong.

Vegas may be gambling’s iconic destination, but Macau, China and other Asian cities are where the action is these day—thanks to the emergence of the vast Chinese market. Macau, a special administrative region of China where gambling is legal, became the top-grossing gambling destination in 2007, and even after a two-year recession, it rakes in twice as much as Vegas.  Macau’s success has led to a casino building boom across Asia, with multibillion dollar properties boasting amazing features – from entire theme parks to elaborate shows.

These so-called “integrated resorts” appeal to a wider audience, and are a perfect fit for today’s casino travelers, who spend most their time and money on non-gaming activities—dining, shows, shopping, cultural attractions, night life, and, other attractions. Yeah, dancing waters would be right up their alley.

This list of casino hubs – new and old, some famous, some still unsung – isn’t meant to be comprehensive, but it should give you an indication of how the casino biz is playing out at destinations near and far.

Asia

Macau, China

The Oriental Las Vegas brand held a monopoly on casino business until 2001, when foreign developers (including Wynn, Sands, MGM Grand) began construction at a furious pace. Today Macau is home to 33 casinos, six of which are the biggest in the world. The Venetian, at 550,000 square feet, is twice the size of its sister property in Vegas.  It was the casino built on what is now the ultra-swank Cotai Strip, where you will also find one of the most elaborate international resorts in Macau: City of Dreams. City of Dreams has four hotels, an interactive children’s play area, dozens of restaurants, and the House of Dancing Water.

Singapore

This No. 2 player in the region only got into the game in 2010, when two properties opened on Sentosa Island. Resorts World Sentosa boasts two casinos, a Universal Studios theme park, and the largest aquarium in the world.  Its neighbor, The Marina Bay Sands, built at a cost of $5.5 billion, is the most expensive casino resort in the world; among its features is the largest atrium casino in the world; Skypark, on the 57^th floor, floor with an infinity pool overlooking the city; and a science museum.

Manila, Philippines

Entertainment City, a government sponsored development zone, is already home to four glitzy casinos, (Okada Manila boasts a $30-million fountain bigger than five Olympic-sized pools), plus a glass-domed indoor beach/ nightclub.

Europe

Monte Carlo, Monaco

The most popular casino destination in Europe for more than a century, this picturesque village on the French Riviera attracts Europe’s crème de la crème. Monte Carlo offers incredible restaurants, posh hotels and opulent jewelry displays in the shop windows. Of its four casinos, the Belle Époque Casino de Monte-Carlo is the most famous, and a symbol of the city. Gambling here is high style and high stakes: one spin of the big wheel of fortune costs about $10,000 or so (depending on exchange rates).

Baden-Baden, Germany

The Kurhaus, built in 1820, is the oldest and most elegant casino in Germany.  This European casino hub is also a wellness center, with dozens of spas and thermal springs.

USA

Las Vegas, NV

133 casinos, and lots of neon. Those are the basics. Vegas is always evolving, too, and is also loading up with celebrity restaurants, shopping malls, zip lines, cooking classes and outdoor amusements to appeal to the millennial set. Oh, and they haven’t overlooked that booming Chinese market: the city’s first Asian themed casino, Lucky Dragon, is about to open and two more are under construction.

 Atlantic City, NJ

This stretch of South Jersey by the sea has always been a resort town – at one time more profitable than Vegas. In recent years, it’s been on a roll again. Mainly with revenue from non-gaming activities (too bad walking the boardwalk is free).

Other notable hubs: Tunica, Mississippi (the “Gambling Capital of the South”), Biloxi, on the Gulf Coast, Palm Springs, California and Southeastern Connecticut, home to Foxwoods and Mohegan Sun.

What are your favorite spots for casino travel? Let us know in the comments below!

Plan and book your next vacation with AAA. 

Online shopping is just a normal part of life these days, but have you ever stopped to wonder whether the websites you’re visiting are secure before you give them sensitive credit card information? Most shopping websites are encrypted, which makes for safer browsing and shopping, but how can you tell you’re on an encrypted site? Here are some tips for steering clear of unsafe websites and keeping your information safe online.

How do I know if this website is safe?

Security breaches happen all the time, even in the biggest companies that claim to be the most secure. While there will never be a 100 percent guarantee that your information won’t be compromised, there are steps you can take to ensure you don’t visit an unsafe website.

• Never enter a website through an email link – As a general rule, if you receive an unsolicited link in your inbox, you shouldn’t click on it. Hackers often pose as legitimate companies and then email links in hopes that an unsuspecting recipient will open them and share personal info.

• Type in the URL by hand – Do not simply click on links if you don’t trust the source.

• Check your status bar – Is there a lock icon in your status bar? This is a good sign that the website you are visiting is safe.

• Make sure you shop on encrypted sites – Secure, encrypted sites will begin with “https.” Sites that begin with “http” may be fine for browsing, but they aren’t secure enough to handle your personal information.

Sure signs of unsafe websites

Unsafe websites are easier to spot than you might think. We mentioned the difference between http and https above, but what exactly does it mean? Keep reading to learn about it and to answer “when is a website safe?”

No SSL certificate

SSL Certificates are data files that bind a cryptographic key to the personal details of a business. When installed on a company’s web server, the SSL certificate activates the https protocol and allows secure connections from a web server to a browser. This is most often used to secure credit card transactions, data transfers, and passwords. An online business needs to install the SSL Certificate onto its server to initiate a secure session with browsers. Once a secure connection has been established, information that is submitted to the website will be encrypted.

Legitimate business secure an SSL certificate by going through a validation process, but there are a few levels of validation. Most legitimate owners of a domain can simply pay a fee and request an SSL certificate. This does not validate the legitimacy of the business. The highest level of validation is an EV or extended validation. This proves the identity of the business owner and the legitimacy of the business. If a site has an EV certificate, it will show a green address bar with a lock icon.

Too many pop-up ads

Pop-up ads are annoying at best and potentially dangerous at worst. Most legitimate retailers won’t use them because they know that consumers despise them. If you shop on a https site with a pop-up ad, you’re probably okay, but if you’re getting one after another, take your business elsewhere. This probably goes without saying, but never click on those pop-up ads either. Clicking on ads will often bring you to a phony website, created especially to steal your personal information.

No contact information

Reputable websites will make it easy for you to contact them if you need customer support. They should be clear about their email address, physical address and phone number. If you are unsure about a website’s listed phone number, give it a call and see if you get a person on the other end. Steer clear of any online shopping experience that doesn’t have contact information on their website.

Keeping your personal information safe in the digital age

Now that you know how to spot a fake or suspicious website, you need to take a few additional steps to keep your credit card info and personal data safe.

• Use a strong virus protection software – Phishing attacks, malware, trojan horses and viruses can all infiltrate your computer when you least expect it. You owe it to yourself and your bank account to install a powerful anti-virus software on your computer.

• Don’t shop over public Wi-Fi – When it comes to entering credit card information, public computers and/or Wi-Fi networks are risky business. It’s best to do online shopping on your secure home network.

• Keep some info to yourself – Online websites should never ask for your birth date or your social security number. If they do, you may want to take your business elsewhere.

Have you ever been the victim of theft or fraud because of shopping on unsafe websites? How did you handle it and what tips can you share with our readers? Share your advice in the comments section below.

If you’re a college student (or the parent of a college student), you may be wondering if you should apply for and use a credit card while you’re in school. Using a credit card in college is a great way to manage your finances, start building credit and earn some rewards. Credit card use does come with some risks, though, so it’s important to think and plan carefully before taking the plunge. Here’s what you should know about credit cards for college students.

Can you get a credit card with no credit?

It is more difficult, but not impossible, to be approved for a credit card if you have no credit history. If you have a job with a decent income that can be verified, you may be eligible for a credit card even without a solid credit history. Here are a few more options for college students with no credit history.

• Apply for a student credit card – Credit cards for college students are designed specifically for college students who may not have a credit history or much income. Student credit cards usually have a low credit limit and a higher interest rate, but they are a great way to start building credit. If you are over the age of 18, have some income, and are a US citizen, you are probably eligible for a student credit card.

• Apply for a secured credit card – Secured credit cards require a security deposit and the credit limit is usually very low. It is perfect for students who may not be eligible for other credit cards, and it’s a good way to start building credit from scratch.

• Apply for a credit card with a co-signer – If you are unable to get credit cards for college students on your own, you may be able to apply for one with a parent or other responsible adult with good credit as your co-signer. The drawbacks to having a co-signer is that whoever you choose will have access to your credit card statements and your spending habits. If you are late or miss a payment, it will affect your credit score as well as your co-signer’s.

How does a college student build credit?

It takes about seven years to build up a decent credit score, so the earlier you start the better. A good credit history will enable you to apply for car loans, cell phone plans, automobile insurance, and some apartment rentals. Aside from applying for your first credit card, which will begin your credit history, here are a few ways to build credit and maintain a good credit score.

• Use your credit card for occasional, small purchases – While it may be tempting to reserve your card for emergencies only, the only way to build up good credit is to actually use your card. Consider putting small purchases like your weekly groceries or gas on your credit card.

• Pay off your balance in full at the end of each month – Paying off your balance at the end of every billing cycle will help you earn rewards and avoid interest fees.

• Don’t use your card for large purchases – If you can’t pay it off at the end of the month, don’t put it on your card. Large purchases like vacations, cars and tuition payments should not go on your credit card.

Make sure you understand the terms of your credit card

It’s important to read and understand the terms of your credit card before you start spending. Knowing a few important key terms and how they affect you will help you choose a credit card and spend wisely once you get one.

• Annual Percentage Rate – If you carry a balance from month-to-month, you will be charged interest. If you think you will carry a balance, look for a credit card with a low APR. Some credit cards offer a low, or even 0 percent APR, as an introductory rate. While a low introductory rate can be a great incentive when applying for a new card, it’s important to remember that the rate will go up after six months or a year.

• Fees – Many secured and student credit cards charge an annual fee. Other fees to be aware of are cash advance transaction fees, foreign transaction fees and late fees. Consider the likelihood of having to pay these fees before applying for a credit card.

• Rewards – Credit card issuers often offer incentives to encourage people to apply for and use their cards. If your credit card comes with a rewards program, make sure you understand how it works so you can take full advantage of it. Rewards may include cash back on certain purchase categories or points you can earn toward travel or merchandise.

Are you a college student? Do you have any credit card tips to share with other readers? Leave a comment below. 

Many of us have experienced the struggle of trying to live healthier lives. We experiment with unreasonably strict diets, harsh workout routines and loads of other unrealistic expectations. But this all-or-nothing attitude has never been effective. In fact, trying to change too many of your habits too quickly may decrease your chances of sticking to a new routine.

Instead of driving yourself crazy, take things slowly and focus on the basics. Try these two healthy everyday habits. They are small changes that can make for a smoother transition to healthier living.

Healthy Everyday Habits to Get Into

Stop using social media before bed

Most of us can’t help ourselves. Right before bed, we grab our cell phones off the nightstand and do one last social media sweep, checking Facebook, Twitter, Snapchat and beyond. But the problem is that “one last look” can turn into an hour of scrolling and swiping. Why is that an issue? Heavy social media users are losing sleep.

One study showed that people who reported frequently checking their social media throughout the week, had three times the likelihood of sleep disturbances. But whether it’s trouble sleeping that causes late-night social media surfing or social media surfing that triggers trouble sleeping, has yet to be determined. Still, the implications are something to strongly consider. Stopping your electronics at least an hour before bed could help you catch up on some much-needed Z’s.

While some of our sleeping habits naturally gravitate towards night owl, that’s no excuse to use social media right before you shut your eyes for the night. There are plenty of more positive and constructive ways to pass the time. Instead of staring at more screens like the TV, your tablet or cell phone, try reading or listen to some calming music while you stretch.

Stretching before bed is one of the healthy everyday habits we recommend most. It offers a wide range of benefits, such as helping to loosen your muscles, relax your body into the evening, relieve tension and ultimately lead to a more restful sleep. If you’re particularly restless, try a calming cup of tea or some aromatherapy. But those are just a few ways to get better night’s sleep.

Wake up earlier

While many will groan at the prospect of having to wake up earlier, the truth is that early rising is a healthy everyday habit that has one major advantage over sleeping in: quiet time. Unless you live alone, it’s almost impossible to get some peace and quiet. Social media and cellphones give people access to you everywhere you go. At home, you probably share the space with kids, a significant other, a lovable (but needy) pet or maybe even all of the above. And at the office, things are no different.

But what’s so special about quiet time? Well, that one- to two-hour window before the household rises and the demands of the world come rushing in is your time to do things just for you. You can brew the perfect cup of coffee with your favorite tunes serenading you in the background or sit by the window with a cup of tea and read the paper or a new book. And for planners, this time is the perfect opportunity to make a to-do list and start planning out the day, maybe even the week. This is where stretching comes in again. A good morning stretch routine can lead to fewer aches and pains, increased blood flow and higher energy throughout the day.

Any change to your daily routine will take some getting used to. And these two healthy everyday habits are no different. However, these small changes can make a big impact on your life. You’ll find yourself more in tune with your own needs and more willing to focus on making life relaxing. Sometimes, you just have to start small to go big!

What are some healthy everyday habits that keep you energized and relaxed? Let us know in the comments below.

Dramatic fjords. Quaint stave churches. Cosmopolitan capitals. Denmark, Norway and Sweden’s charm and traditions pack every moment of this beautiful trip, taken by rail, road and water. This Europe tour package hosted by AAA Vacations will take you to another world. You’ll enjoy moments like indulging in ‘Kransekake-stenger’ cake at a working farm and pastry school in Bergen, where the hosts explain how rural life has changed since the Vikings first set up the farm.

Best Europe tour packages: Denmark, Norway and Sweden

Day 1 – Arrive in Copenhagen

Welcome to Copenhagen, Denmark, a city that was once a Viking fishing settlement and is now a blend of historic architecture and modern cultural attractions. Unwind after your arrival by checking out Copenhagen’s museums, villages and castles, or jump right into city life by checking out the shopping and entertainment opportunities nearby. Enjoy an evening drive and dinner in the city to begin your Scandinavian tour.

Day 2 – Copenhagen

Travel Europe by venturing into Denmark’s capital city. First, see the magnificent Amalienborg Palace, an elegant quarter featuring 18th-century buildings and the home to the current royal family of Denmark. After checking out the Amalienborg Museum, venture to Copenhagen’s historic center, where you’ll see the 17th century Stock Exchange, the Christiansborg Palace and the Neo-Classical Cathedral. Then, find a great photo opportunity at the Little Mermaid statue, inspired by the original Hans Christian Anderson fairytale. Towards the end of the day, take a canal cruise to see the city from a different point of view.

Day 3 – Odense

Next, visit the birthplace of the author responsible for the Little Mermaid, Hans Christian Anderson, in Odense on the island of Funen. To know more about the author, visit the Hans Christian Anderson Museum before you continue across the Jutland Peninsula and stop in Randers for the night.

Day 4 – Stavanger

Congratulations! You’ve finished the first part of this Scandinavian Europe trip. Next is Norway. Leave from the town of Hirtshals and sail across the Skagerrak to the port of Kristiansand in Norway. Then, drive to Stavanger, one of the oldest cities in Norway, and take a gander at the fjords and lakes you pass on the way.

Day 5 – Bergen

Norway’s coastline is known for its many fjords; get the perfect view as you island-hop from Stavanger to Bergen, a city on the west coast. Experience the history of the city on your tour through Bergen and a visit to the 13th century Haakon’s Hall, a history museum. Visit the bustling fish market and you’ll see why Bergen is considered an international center for acquaculture.

Day 6 – Bergen 

Spend your last day in Bergen exploring the picturesque city and perhaps factor in the tiny village of Telavag, which is southwest of Bergen, while you’re at it. Learn what happened in Telavag in the Second World War, giving you something to think about as you travel Europe.

Day 7 – Flam Railway

Today, take an out-of-this-world train journey on the famous Flåm railway that ascends to nearly 3,000 feet above sea level. Admire the scenery of breathtaking mountains and waterfalls as you leave from the ski resort of Voss, then cross the waters of the Sognefjord to Leikanger.

Day 8 – Sognefjord (Leikanger)

The Sognefjord, or “King of the Fjords,” is the largest and deepest in Norway. Follow the Sognefjord through incredible glacier country and enjoy wonderful views of Geirangerfjord as you make your way to Geiranger village.

Day 9 – Geiranger

Spend the day relaxing in Geiranger, one of the municipalities on Geirangerfjord, and breathe in the clear mountain air surrounded by National Geographic-worthy scenery. Take an excursion along the Trolls’ Road, or Trollstigen, a serpentine mountain road in Rauma that leads you through steep mountain slopes and cascading waterfalls.

Day 10 – Lillehammer

Leave Geiranger and take a scenic drive to Ottadalen, one of the lateral valleys of the Gudbrandsdalen Valley, which was the inspiration for Ibsen’s “Peer Gnyt.” There, catch a bit of history at the traditional Stave Church at Lom, a type of medieval wooden church that was once common in north-western Europe. Next, head to Lillehammer, which hosted the 1994 Winter Olympics. Before the night ends, consider a walk along Storgata or a visit to the open-air museum at Maihaugan.

Day 11 – Oslo

In Hamar, visit the Olympic ice rink at Hamar Olympic Hall. Then, travel to Norway’s capital, Oslo, to sightsee. Visit the medieval fortress of Akershus, the Opera, the Royal Palace and the Bigeland Sculpture Park. Unwind after a long day by visiting a museum such as the Fram Polar Ship Museum or Viking Ship Museum, or shop the night away looking for souvenirs.

Day 12 – Stockholm

Congratulations! You’ve completed the second part of your Scandinavian Europe trip. Next is Sweden. Cross the border into Sweden and the city of Karlstad, which neighbors Lake Vänern. Pass Orebro to Sweden’s island-ringed capital, Stockholm.

Day 13 – Stockholm 

Finish off your trip in Sweden’s cultural, political and economic center. During your day-long stay in Stockholm, view the medieval Storkyrkan, Riddarholm Church and the Royal Palace. Visit the waterside City Hall where Nobel Prize banquets are held, and later spend time shopping in the trendy fashion stores or consider a small excursion. Tonight, dine in style to end the day with a bang.

Day 14 – Depart Stockholm

Say goodbye to Scandinavia as this chance to travel Europe draws to a close.

Have you been to Denmark, Norway or Sweden? Tell us about your Scandinavian getaway in the comments below!

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!

So, it’s time to clean your home’s exterior. The task may seem daunting, but the good news is there are several safe and effective ways to get the outside of your home looking brand-new in no time.

Preparation is key

Choose a warm, dry day with little to no wind for the job. Next, make sure all windows and doors are closed tight. Seal doors and windows with plastic or duct tape if you’re worried about leakage.

Place duct tape and plastic sheeting over vents, electrical outlets and outdoor light fixtures. Cover plants and shrubs. Clear away any lawn furniture that may be close to the house. Also, make sure to keep children and pets inside.

Treat tough stains by hand

Look the house over for any stains. Most stains can be removed by hand with soap, water and a sturdy scrub brush. Some of the most common stains are caused by mildew. These can be removed with a mix of oxygen bleach and dishwashing liquid. For each gallon of water, use one-quarter pound oxygen bleach powder and one-eighth cup of dishwashing liquid.

Use a scrub brush and wear a mask to avoid inhaling mildew spores. As when handling any kind of bleach, wear rubber gloves. If you don’t want to make your own, most hardware stores carry a slew of mildew and mold removers.

Over time, masonry and concrete can form efflorescence, a crystalline salt deposit caused by exposure to moisture. You can remove efflorescence with a strong, dry brush and a diluted solution of water and vinegar. There are also a host of commercial cleaners on the market to treat and remove efflorescence.

Rust can be removed with a good scrubbing. You can treat the area with baking soda, then give it a scrub with a wet brush. Go ahead and use sandpaper on stubborn rust stains, but be sure to wear a mask to avoid inhaling rust particles. The area may require a new coat of paint when you’re finished. You can also buy rust-removal products in stores.

Use a garden hose

You can also buy a siding cleaning kit. Many come with nozzle attachments for your garden hose. Use a scrub brush to remove any excess dirt or grime from siding and pretreat any trouble spots with cleaner.

Aim the hose at a 45-degree downward angle and apply cleaner from the bottom to the top of siding to avoid streaking. Then, rinse from top to bottom. Clean one section at a time.

Cleaning kits will often include wands, brushes, extendable handles and containers to fill with cleaner. Some come pre-filled with cleaner. A long-handle scrub brush can do wonders. You can also attach a brush extension to the end of a garden hose to reach those hard-to-get-to places. Always avoid power lines.

A good power cleaning

When the job calls for heavy artillery, you may choose to use a pressure washer. These can be bought or rented.

Size matters when it comes to pressure-washer nozzles. The smaller the nozzle size, the narrower the target area and the stronger the spray stream. The average exterior cleaning requires a 40-degree nozzle, which provides a safe and gentle cleaning. Test the washer out on a small section first.

To use, move the wand in a steady, sweeping motion. Stand about 10 feet away and slowly come in closer as you gauge the cleaning force of the washer. Do not use the wand closer than 2 feet away from the surface. Aim at a downward angle. Apply detergent from the bottom to the top and let it sit for five to 10 minutes. Then rinse, moving from the top to the bottom.

There are many different power-cleaning detergents on the market. Make sure to get the right one for your type of home.

Words of caution

Pressure washers are powerful tools. When used incorrectly, they can damage property and cause injury. Avoid spraying underneath siding or into gaps, which can cause water damage. And be sure to repair or replace any damaged siding before washing. Make certain to wear safety goggles.

It is best to avoid using power washers on exteriors such as stucco, brick or wood shingles. Remember to never direct a pressure washer at windows or another human being. In fact, a power washer can break the surface of the skin. (Did we mention kids and pets should stay inside?)

If using an electric power washer, keep the connections dry and don’t handle the plug when your hands are wet. Do not use a gas-powered washer indoors or without proper ventilation. And, don’t power wash a home covered in lead paint.

If you have a large home, a multi-story home or feel the job is more than you can handle, call a professional.

When is the last time you cleaned your home’s exterior? Do you DIY or leave it to the pros? Tell us in the comments. 

Learn about homeowners insurance from AAA.

Viking River Cruises, founded in 1997, originally began as a river cruise company, with ships traveling along the great rivers of the world, but in 2015 the company launched small ocean-going vessels. Currently, it has about 60 vessels, with cruises offered in Europe, China, Southeast Asia and Egypt. Regardless of whether you choose a river or ocean cruise, Viking prides itself on offering an intimate experience with a hotel-like atmosphere and all-inclusive pricing.

My daughter and I booked our first Viking cruise in 2016, traveling on the 930-passenger Viking Star on a 10-day trip from Athens, Greece to Venice, Italy with stops in Croatia, Slovenia and Montenegro. By the end of the cruise, we had made friends with several people onboard, even choosing to have dinner with them in various ports and making plans to stay in touch afterwards.

Amenities

Hand’s down, one of the best things about Viking cruises, whether you are on a river or ocean cruise, is that the fare is all-inclusive, from meals and beverages to shore excursions and even Wi-Fi. Of course, upgrading to things like fine wines at meals and more exclusive tours are available to purchase, but if you want to stick to a budget with no surprises at the end of your cruise, it’s very easy to do so. Even the specialty restaurants onboard are included, as is the excellent Nordic-style spa, where my daughter and I liked to relax almost daily after a long day in port.

Cabins

The Viking Star’s cabins are more than generous in size, with 270 square feet of space, and better yet, every single one has its own private veranda. Cabins all feature a king-size bed, (which can be split into two beds) separate seating area, complimentary minibar stocked with snacks and soft drinks, and bathrooms have heated floors and large glass-enclosed showers. My daughter and I had more than enough room to move around and we also appreciated the free movies on demand when we wanted some downtime. There are also several suite categories, which offer more space and more perks.

Dining

There are plenty of options to choose from on Viking cruises, including the main dining venue, simply called “The Restaurant,” which offers cuisine tied to the locations the ship is traveling to and specialty outlets like Manfredi’s, which serves outstanding Italian fare. The “Chef’s Table” restaurant is a fun concept, where you simply put yourself in the hands of the chef. There’s a set five-course menu, paired with wine, that centers on a particular cuisine or region. There are several other dining options around the ship that serve everything from salads to sandwiches, but hand’s down one of our favorites was Mamsen’s, which serves dishes from the cruise president’s mother’s cookbook. Her waffles are a particular treat, especially when you eat them with Norwegian cheeses or chocolate sauce.

Spa

While there are many similar amenities offered on Viking’s river and ocean cruises, the spa is not one of them. The Nordic-style spa on the ocean ships, which is amazingly free for all passengers, is outfitted with a salt-water-filled thermal pool, a hot tub, sauna, four heated loungers, therapeutic showers, and a “Snow Grotto.” This glass-enclosed room literally has snow falling from the ceiling periodically. The idea is for guests to go from hot to cold and back again through the various water features to boost circulation. Truthfully, it’s simply fun to go make a snowball while at sea!

Excursions and education

Every cruise includes a variety of free daily shore excursions, which my daughter and I sometimes had a hard time choosing from, because so many were tempting. Viking cruises also offers what it calls a “Culture Curriculum” program onboard, which offers a great overview of the cruise’s next port of call through performances of music and art, cooking demonstrations, port talks and guest lecturers. On land, the excellent local guides were thoroughly professional and engaging, whether we were touring the Parthenon or wandering through Dubrovnik.

River cruise ship itineraries

River cruises range from 8 to 23 days, with itineraries featuring Europe’s Rhine, Main, Danube, Seine, Rhône, Douro, Moselle, Elbe, Dordogne, Garonne and Gironde Rivers; Russia’s Volga, Neva and Svir; Egypt’s Nile; China’s Yangtze; and Southeast Asia’s Mekong.

Ocean cruise ship itineraries

Viking’s basic ocean cruises range from 8 to 15 days, with destinations to Scandinavia and the Baltic; the western and eastern Mediterranean; the British Isles; and North America and the Caribbean, as well as combination cruises of those itineraries available ranging from 22 to 50 days. A new ship, the Viking Sun, will spend her maiden season sailing the company’s first-ever world cruise, spanning 141 days and visiting five continents and 35 countries, starting in January 2018. Also in 2018, a fifth ship, the Viking Spirit, is slated to visit the Middle East, Australia, Asia and Alaska.

Have you ever sailed on a Viking Cruise? Tell us about your experience in the comments.

Book a river cruise vacation with AAA.  

If you’re like many Americans, you probably have dozens of passwords for all of your online accounts, or maybe you have just a few passwords that you reuse over and over again. How do you organize these passwords and keep them safe? Perhaps you keep them in your head, in your filing cabinet, or on tiny slips of paper that float around your office, but have you ever tried using password managers to keep your passwords secure and at your fingertips? Whether you’ve got one password-protected account or a hundred, password managers are an easy way to keep all of your information in one easy-to-access spot.

What are password managers?

Just as the name suggests, a password manager keeps track of and manages secure passwords that you need to access your accounts. But password managers also generate random passwords that are impossible to hack into and protect your important online data — not only passwords, but also credit card information, security questions, and other sensitive information. Password managers use a single password to protect your information — that one you’ll have to remember.

How do password managers protect your data?

If you haven’t already signed up for premium protection with a password manager, you may feel better knowing you have a bit of protection with your browser’s built-in password manager. While these do offer a level of security, the companies that manage them are not transparent about how your passwords are encrypted. Browser password managers may be safe, but there’s a good bet they’re not safe enough.

Premium Password managers encrypt your data and then store it on their cloud-based servers or on your computer. The leading password managers come with a myriad of security options, from two-factor authentication options and syncing between devices to automatic password changers and protection against weak passwords.

An overview of top password managers

Premium password managers come at a price, although many companies offer a free, watered-down version without all the bells and whistles. Here’s a basic overview of some top-rated password managers available today.

Dashlane 4

Use Dashlane 4 on all of your devices — PC, Mac, iOS, or Android. Dashlane stores and monitors up to 500 passwords with secure sharing, two-factor authentication, and the ability to quickly change passwords that aren’t secure enough. The interface has a great design and is easy to use. Dashlane 4 is free to use on one device, but if you want to sync information between devices it will cost you $39.99 annually. You can easily import your existing passwords from your browser to get started.

LastPass 4.0

Like Dashlane, LastPass has the ability to change your passwords automatically, sync across devices and share passwords securely. It generates 12-character passwords automatically, and logs you into saved sites quickly and easily. LastPass also comes with a emergency access feature that allows another user to inherit your passwords if the need arises. There is a great free version of LastPass, but for the premium features it will cost you $12 a month.

Sticky Password Premium

One significant difference between Sticky Password Premium and the other password managers we’ve mentioned is that this one has the ability to save all your passwords on your own home network. One online console manages all of your trusted devices, finds and changes your weakest passwords, and imports your stored passwords from your browser. Using Sticky Password on one device is free. To sync across devices you pay $14.99 annually.

More tips for keeping your information safe online

Still not sure a password manager is right for you? There are definitely ways to go it alone. Use these tips to keep yourself safe. It’s a virtual jungle out there.

Never use the same password across accounts – There’s always a chance that one of your accounts will be hacked into, but if you use a different password for each one, the rest of your data will be safe.

Start with a sentence – The longer your password the better. Think of a sentence that you can remember and use the first letter from each word. For example – My best friend is my dog named Rover, would translate to MbfimdnR. Passwords like this are almost impossible for hackers to figure out.

Keep your passwords safe – If you’re not using a password manager to keep your passwords safe, you need to hide them away. You can write your passwords in a notebook or even put them in a filing cabinet. Do not keep them in your wallet and don’t store them in a folder on your computer.

Change your passwords frequently – Even the safest website can be compromised. One of the best ways to prevent fraud and identity theft is to change your password often — at least every 90 days.

Password managers are a simple and affordable way to keep your passwords and sensitive data safe online. While they aren’t your only option, they make a time consuming task much more manageable.

Do you use a password manager to keep your information safe? Are they a useful solution or more trouble than they’re worth? Share your thoughts in the comments section below.

With a motto like “Keep Austin Weird,” you’ll find that there are plenty of offbeat things to do in Austin, Texas. Hyper chic, yet quirky and casual, Austin welcomes out-of-town guests with a youthful buzz that promises to keep the city wonderfully different. And authentic: Beyond the trendy beer gardens and boutiques, it’s easy to find old-school music joints, dive restaurants serving up giant platters of sauce-drenched ribs or cheesy Tex-Mex, and Western-wear shops that sell cowboy boots and dinner-plate-sized belt buckles. And plan on spending lots of time outside – Austin is filled with parks, lakes and walking paths that make it easy to enjoy the moderate climate and lush green landscape.

Top 10 things to do in Austin, Texas

1.

 There’s always something blooming at the Lady Bird Johnson Wildflower Center, a 279-acre botanical wonderland where more than 2 miles of walking paths lead to wildflower meadows, shady forests and a green lawn perfect for kite flying. The pristinely landscaped gardens feature over 800 species of native plants, making it one of the most peaceful and picturesque thing to do in Austin, Texas. Take it all in from the top of the brown sandstone observation tower, overlooking the center and surrounding area.

2.

 Get those legs ready for a workout! Climb the 106 stone steps to the top of Mount Bonnell and you’ll be rewarded with a jaw-dropping view of downtown Austin, the 360 Bridge, the rolling hill country and Lake Austin.

3.

 As with all travel in America – and elsewhere, taking the time to learn a bit of history is part of what makes the trip memorable. At the LBJ Presidential Library, recordings of phone conversations reveal the full measure of Lyndon B. Johnson’s Texas-sized personality. Exhibits including a recreated Oval Office, LBJ’s presidential limousine and gifts from world leaders reveal an insider’s view of his presidency.

4.

There are only 45 Gutenberg Bibles in the world. One of them, along with the earliest-known photograph ever taken, is on display at the Harry Ransom Center on the University of Texas campus.

5.

Where there’s smoke there’s barbecue, especially at Franklin Barbecue, where pit masters have turned cooking brisket, pork and beef ribs into the messiest – and most delicious – of art forms. Its famous long line, which can go from four to six hours, has been deemed worth it by the masses. Some say that you can travel America and not find another barbecue joint that compares. Other must-visit joints in the area include La Barbecue (expect a line) and – a quieter option – Stiles Switch BBQ & Brew. Dreams of brisket will surely fuel your return.

6.

 In Austin’s hip South Congress neighborhood you can shop, people-watch at Jo’s Coffee, and catch a show at the Continental Club, an Austin institution since 1957. The bustling town is also a hub for food trucks. El Primo (tacos), Churro Co. (delectably topped Churros) and The Mighty Cone (fried chicken, shrimp and veggies served in a tortilla cone) are all good options for a quick bite.

7.

 Perfect your backstroke at Barton Springs Pool at Zilker Metropolitan Park. The natural swimming hole is located in the middle of the city and is fed by thermal springs that keep the water at a comfortable 68 degrees all year long. Go hiking, biking, boating or picnicking at Zilker or any one of Austin’s more than 300 parks. Camping is also available at many of the parks such as McKinney Falls State Park where you can fish and swim beneath beautiful natural waterfalls before retreating to your campsite or cabin for the night.

8.

Nearby Texas Hill Country is dotted with adorable towns originally settled by German immigrants. Fredericksburg and Gruene are two of the most stroll-worthy. It’s also home to top wineries and breweries including Grape Creek Vineyards and Driftwood Estate Winery. Grape Creek boasts the on-site restaurant Stout’s, where visitors can order cheese and charcuterie platters to enjoy out on the patio, or sit down for a full meal in the cozy dining room.

9.

For families and animal lovers alike, the Austin Zoo is a fun way to spend some time and get to know a variety of animals ranging from lions and tigers to domestic American wildlife like longhorn cattle and llamas. All of the animals at the zoo are rescues, including those that have been saved from cruelty situations, retired laboratory research animals and exotic pets that needed a new home. For a small fee, visitors can take a scenic ride on the zoo’s train.

10.

 Sample award-winning craft beer and grab Fido a bag of “Brew Biscuits,” dog biscuits made from spent brewing grains, at the sustainable and dog-friendly Hops & Grain Brewery. Their taproom is open 7 days a week and tours are given on Fridays and Saturdays.

Which of these things to do in Austin, Texas are you most interested in? Tell us in the comments.

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

In a day and age when literally everyone has comedy podcasts, it can be tough to tell which are actually funny. Ultimately that’s up to you and your sense of humor, but it’s helpful to get a head start. The following are some of my personal favorite comedy podcasts.

My Brother, My Brother and Me

Any good list of comedy podcasts is going to include “My Brother, My Brother and Me,” or MBMBaM (pronounced “mah-bim-bam”) for short. MBMBaM is hosted by the McElroy brothers: oldest brother Justin, middle brother Travis and “sweet baby brother” Griffin. It’s an advice show in which they field questions both from their listeners and Yahoo! Answers … and don’t actually give any advice.

Some of their most-loved jokes, unironically called “goofs,” are Glass Shark, Amelie, Cromslor and A Case of the Mondays.

One of the most famous fans of MBMBaM is Broadway superstar Lin-Manuel Miranda, who snuck some McElroy references into “Hamilton” and signals fellow MBMBaM fans whenever he’s in front of a camera.

Recommended Episodes: 393: Bungrob Squareman, 368: The Sun Shines on Our Dark Planet!, 354: Beanfreak, 280: Great Job, 215: Glass Shark, Episode 193: Journey to the Center of the Bear

Baby Geniuses

Comedian Emily Heller and cartoonist Lisa Hanawalt are on a mission to know everything. From guest experts, to obscure Wikipedia pages, to updates from Martha Stewart’s Fell pony, Ban Chunch, “Baby Geniuses” has everything you never knew you needed. Heller and Hanawalt’s friendship makes the irreverent and bizarre podcast feel like a series of secret handshakes and inside jokes (like Lisa Hanawalt’s childhood as a horse girl).

Though they both have a similar sense of humor, the hosts bring two completely different energies to the podcast – from Heller’s brash, stand-up style to Hanawalt’s soft-spoken, arty absurdism.

Recommended Episodes: Mariko Aoki Phenomenon, List of Gestures, Jess Dweck / Paul Welsh, Kristen Schaal, Raphael Bob-Waksberg / Paul Danke

My Favorite Murder

When I first found this show, there were a total of three episodes. When I pressed “play,” something bizarre happened. The hosts were talking about blood and guts, about bodies being mistaken for Halloween decorations and grisly conspiracy theories. And they were laughing. I was laughing too.

More than two years and 112 episodes later, “My Favorite Murder” is one of the most popular comedy podcasts in the world. The hosts, comedian Karen Kilgariff and Cooking Channel personality Georgia Hardstark, don’t talk about true crime like alarmists – they talk about true crime like friends do, swapping stories that get crazier and crazier by the minute.

“You’re in a cult!” Kilgariff said once, as though she could speak directly to the victim in her story of the week. “Call your dad!”

Kilgariff and Hardstark bring just the right mix of sugar and spice to the podcast, matching their grisly tales of murder with their irreverent, light-hearted attitude. In their world, survivors are superstars, victims have agency and serial killers are mercilessly mocked. It’s a nice world to live in for a little while.

At the end of every episode, Kilgariff and Hardstark cheerfully remind the listener to “Stay sexy, and don’t get murdered!”

Recommended Episodes: 105 – Proclensity, 92 – The Halloween Special, 47 – Live at the Bell House, 35 – A Small Foreign Faction, 7 – Seven Murders in Heaven

2 Dope Queens

There’s a reason this is one of the most successful comedy podcasts out there. Comedians Jessica Williams and Phoebe Robinson host this live comedy show with a retinue of amazing stand-ups. Williams and Robinson are an amazing comedy partnership, so much so that their organic conversations are funnier than most of the (famous and talented) guests they have on the show. Williams and Robinson’s comedic chemistry and whip-smart jokes are enough to make any listener fall in love with them.

Recommended Episodes: #45 Tig Notaro Gives the Best Advice, #34 Sleepover Accidents, #19 Things Remembered, #15 Hamilton Adjacent

Til Death Do Us Blart

Every American Thanksgiving, the hosts of “My Brother, My Brother and Me” join Guy Montgomery and Tim Batt of “The Worst Idea of All Time” to watch and review the film “Paul Blart: Mall Cop 2.” In the first episode, they establish the fact that the show is “eternal” and will produce an episode every year until “the end of recorded time.” It’s a bizarre idea that gets even weirder, real fast. This past Thanksgiving, Griffin McElroy watched the movie set to Pink Floyd’s “Dark Side of the Moon.” When too many scenes sync up too well to the music, he emphatically proclaims “They did it on purpose!”

This year, make “Til Death Do Us Blart” part of your holiday tradition.

Recommended Episodes: All three of them.

Looking for more laughs?

Here are some of the funniest podcast episodes of all time, presented without comment.

• Rain’s Comin’ In – “Call Chelsea Peretti”
• The 500^th Episode – “Comedy Bang! Bang!”
• Modelland Parts I-III – “Satellite Dish”
• A Profile of Jar Jar Binks and the Gungans – “Blank Check”
• Cheapy Peepy – “Harmontown”

What are your favorite comedy podcasts? Let us know in the comments below!

Looking for some more podcasts? Check out more Podcast Pulse articles about shows for new listeners, podcasts for road trips and ways to find the perfect show for you.

Feeling lucky? Las Vegas is calling your name! Whether you’re a high roller or a casino newbie, you’ll find plenty of places and opportunities where you can test your luck in the gambling capital of the world. You’ll be in good company, too: nearly 36 million visitors flock to the city each year to gamble, let loose, and enjoy all Las Vegas has to offer. Located in Clark County, Nevada, Las Vegas is home to 104 casinos. Nearly half of those casinos are located on or close to Las Vegas Boulevard, the brightly-lit stretch of road called “The Strip.” Some of the most well-known, most luxurious casinos and resorts can be found on the Strip, including the Bellagio, Caesar’s Palace, Paris, Mirage, Monte Carlo, Mandalay Bay, Harrah’s, and the Wynn. In addition to gaming, these establishments offer top of the line entertainment, featuring pop stars like Britney Spears, Jennifer Lopez, extravagant performances by Cirque de Soleil, and more.

Early Las Vegas casinos  

Gambling is synonymous with Las Vegas. But did you know it wasn’t always legal? Gambling was officially legalized in Las Vegas in 1931. At that time, local business owners rushed to capitalize on a new opportunity to their increase profits. The earliest casinos were small establishments, primarily bars and hotels, that had been converted into makeshift casinos. Most were located on Fremont Street and decorated to reflect the Old West. The Meadows Casino was the first casino to be built from the ground up. It was also the city’s first casino-hotel complex.  Built by Tony Cornero, an infamous mobster and gambling entrepreneur variously known as “The Hat” and “Admiral Cornero,” the Meadows opened in 1932.  Guests clamored to spend their money at the casino and the accompanying Red Room Cabaret and Gold Ballroom. Closed in 1936, the casino was later destroyed by a fire.

Las Vegas game changer: The fabulous Flamingo

In 1946, The Flamingo Hotel & Casino opened to much fanfare. The brainchild of Hollywood Reporter founder Billy Wilkerson and charismatic gangster Benjamin “Bugsy” Siegel, the now-legendary casino was a game changer. Eschewing the Old West theme most casinos sported, Wilkerson and Siegel had the Flamingo built in the modernist style favored by Hollywood. Where earlier casinos evoked imaged of cowboys, wranglers, and tumbleweed, the Flamingo was glittery and glamorous. Celebrities and movie stars flocked to the new casino. The establishment paved the way for the luxurious resort casinos that dot the Las Vegas landscape today.

Bugsy Siegel was especially smitten with Tinsel Town and loved to mingle with celebrities. Siegel made quite an impression himself:  he was the inspiration behind the character Moe Green in the critically acclaimed film The Godfather, and later was portrayed by Warren Beatty in the hit movie “Bugsy.”

The hotel fared far better than the man behind it. The Flamingo remains a mainstay in Las Vegas and continues to visitors from around the world. Siegel, however, was murdered by the mob in 1947, just one year after opening the celebrated casino.

A trips around the world

Today, Las Vegas boasts some of the nation’s most glamorous hotels and casinos. Visitors can gamble at establishments decorated to reflect myriad themes and exotic locales from around the world. Ancient Egypt is represented by The Luxor, which was built to resemble a pyramid and features a grand reproduction of the Great Sphinx of Giza. Each night, the Luxor Sky Beam sends out a stream of light through the hotel’s peaked roof. Fashioned after the City of Light, Paris Las Vegas features a fully accessible 540-foot replica of the Eiffel Tower; an elevator takes visitors to the top of the structure for an impressive view of the Strip. The Venetian perfectly mimics Italian architecture and ambiance and features an intricate indoor maze of canals complete with gondolas and cheerful, singing gondoliers. A loving homage to the Big Apple, New York, New York features smaller scale replicas of The Empire State Building, the Statue of Liberty, and the Brooklyn Bridge.

Fabulous Fremont Street casinos

Tony Corner’s Meadows Casino may be long gone but Fremont Street is populated with plenty of other hotels and gambling houses. Located in the downtown area of Las Vegas, the area is rich with entertainment and also serves as a more budget friendly alternative to the Strip. Here, under a canopy of lights, visitors can choose from twenty different casinos. Visitors looking to roll the dice without breaking the bank can take advantage of lower betting limits at these smaller casinos. Like the earliest casinos, some of these venues feature an Old West theme. Vegas Vic, a neon sign shaped like a cowboy is a familiar sight to visitors of Fremont Street. Once the mascot of the since-closed Pioneer Club, the neon cowboy is a reminder of the casinos of yesterday.

What are your favorite Las Vegas casinos? Let us know in the comments below!

Click here to find a room at any of these amazing Las Vegas casinos. 

Buying in bulk seems like a no-brainer savings plan, but the truth is if you don’t know what you are doing you could be wasting money on your bulk shopping trips. The myth that items are always cheaper when you buy larger packages is just that: a myth.

We all get excited at the prospect of saving money, but finding deals when you’re buying in bulk takes a bit of work. Simply shopping at a bulk warehouse store doesn’t guarantee that you’ll see any savings because bigger packages aren’t always a better value.

That is not to say that bulk shopping can’t save your family money; it can when you’re savvy. But it’s your responsibility as a consumer to be educated and make wise decisions about your bulk purchases. To avoid splurging, follow these savings tips and make the most out of your next bulk shopping trip.

Bulk shopping basics

The No. 1 rule for buying in bulk comes down this: Is the price per unit of a bulk item cheaper than a smaller packaged item? Any veteran bulk shopper knows the importance of checking the price per unit. This requires a bit of basic math skills, unless the store has been kind enough to list the price per unit, which is sometimes the case. If math isn’t your strength, fear not. Free apps like CalUnit and Unit Price Calculator can help you compute the price per unit.

The math is also fairly simple to figure out for yourself. Here’s what you’ll have to solve: the cost of the item/the quantity = unit price. Let’s say a 14-ounce bottle of ketchup is $3.59. You will need to divide $3.59 by 14 (the quantity) to get the price per unit, which is 25 cents.

Once you figure out the price per unit for your bulk item, compare it with the smaller packaged item. Which one is cheaper per unit? You may find that buying a 14-ounce bottle of ketchup is ultimately cheaper than a 114-ounce container, or perhaps the opposite is true. You’ll never know unless you do the math.

What to buy

Even if the price per unit is a good deal, resist the urge to stock up on items that will expire quickly. Generally items with a long-shelf life are the best to buy in bulk. Batteries, trash bags, pasta, canned goods, paper products, toothpaste, alcohol and office and school supplies are some examples. Generic items are also a good value to purchase in large quantities since they’re cheaper than brand-name products. If you have space in your freezer, purchasing beef and poultry in bulk can also help you stretch your grocery budget.

Warehouse stores are the most popular bulk shopping spots. But your local grocery store or co-op may also offer bulk discounts that aren’t always advertised. Ask an employee at your favorite store if they carry bulk items at discounted prices.

Questionable bulk purchases

Not every product is better to buy in bulk. For instance, buying 10 jumbo boxes of cereal for a household of two people isn’t wise. You’ll likely have to eat cereal for breakfast, lunch and dinner to justify the purchase. Perishables are generally not a good investment to buy in bulk, unless you have a large household or are planning a big party. If you won’t eat it and don’t have the freezer space, don’t buy it.

That brings up another important consideration to keep in mind: storage space. Before you buy 100 rolls of discounted paper towels, ask yourself where you will store the items. Sometimes in the excitement of discount shopping you don’t consider the logistics of storing your purchases. Even if the price per unit is a fantastic deal, ask yourself if you have the storage space in your refrigerator or pantry.

Unnecessary bulk purchases can also ruin a healthy diet. Purchasing a few cases of junk food may be a killer deal, but you’re more likely to binge eat when you have cupboards packed with discounted boxes of cookies and chips.

More shopping tips

Bulk shopping, when done right, can stretch your household’s grocery budget. As an added bonus, you’re also being green by reducing packaging waste. Many stores allow you to bring your own containers to refill loose bulk foods like rice and beans.

Make your bulk shopping trips count by stocking up on groceries for a few weeks or even a month. When tallying your savings, remember to factor in the membership dues that you pay at a warehouse store. Also consider the time and driving costs associated with each shopping trip.

If you’re burning an hour of gas each way to drive to the warehouse store and paying a $69 annual membership fee, are you really saving money?
To maximize your savings, look for sales and bring manufacturer and store coupons to the checkout.

Do you have your own science when it comes to buying in bulk? Share your method with us and your fellow AAA members in the comments section below.

You can find more savings at AAA.com/Discounts!

There are so many things to do in Niagara Falls. Of course, there’s the world-famous falls (which are actually three separate waterfalls, by the way). But there are also museums, family-friendly parks, historical sites, fine dining establishments and more.

Whether you’re trekking with the family or out on a second honeymoon, it is a place that has something for everyone.

We’ve split this list of things to do in Niagara Falls between the American side and the Canadian side. Both have their charms – did you know each side has a monument to Nikola Tesla, who helped build the first hydroelectric plant at Niagara Falls? A trip can easily include both countries: it’s more than enough for the estimated 30 million people who visit Niagara Falls every year.

Things to Do in Niagara Falls, New York

Niagara Falls State Park

The oldest state park in America has 400 acres of natural beauty and attractions. Get close to the base of the American falls on the Cave of the Winds Tour, dine with panoramic views at the Top of the Falls restaurant, walk over the footbridge to the trails on Goat Island, and enjoy the fireworks show, which runs three times a week from May through October.

The Niagara Wine Trail

The Niagara region grows some of the best grapes in all of New York. Tour the 22 vineyards and wineries along the trail for a savory taste of the region. If you’re not a wine fan, the trail also features cider, beer and mead.

Maid of the Mist

Journey to the heart of Niagara Falls and feel the spray of the mist on this legendary boat tour, an attraction that belongs on any list of things to do in Niagara Falls. The Maid of the Mist has been around since 1846, making it an iconic part of the falls experience.

Seneca Niagara Resort and Casino

Play the slots and deal in some table games at this AAA Four Diamond Rated hotel. You can also relax at the spa and salon or shop for designer accessories and handcrafted Seneca goods.

Aquarium of Niagara

Meet a wide variety of fish and sea creatures at this family-friendly aquarium. Be sure to watch the shark feeding and a sea lion show, or interact with a rescue seal. If you’re an animal lover or you have animal lovers in your family, this aquarium should be at the top of your list of things to do in Niagara Falls.

Oakwood Cemetery

This historic burial ground is the final resting place of many Niagara Falls notables, including Annie Edson Taylor, the first person to go over the falls in a barrel and survive, and Capt. Joel Robinson, who navigated the Maid of the Mist through dangerous rapids.

The Rapids Theatre

First opened in 1921 as a luxury movie house, you can catch a show at this current-day Niagara concert venue. Musicians aren’t the only visitors though, as ghosts supposedly haunt this theatre. Track them down in a ghost hunt as one of the things to do in Niagara Falls.

Niagara Culinary Institute

This celebrated cooking school isn’t just for students. Here you can dine on meals from future chefs and restaurateurs at three on-campus restaurants and a wine store. Niagara Culinary Institute also offers public and private classes for all ages.

Niagara Power Vista

Learn about the Lewiston power plant that produces energy using the power of the Niagara River. The visitors’ center recently reopened after an $8.2 million addition, adding several kid-friendly interactive exhibits on engineering and hydroelectric power.

Niagara Gorge Discovery Center

Discover the natural history of Niagara Falls with interactive exhibits and a towering rock climbing wall complete with fossils and geological formations. The Discovery Center is also an excellent starting point for the many hiking trails alongside the Niagara Gorge, with routes threading through Whirlpool State Park, scenic Devil’s Hole State Park, Artpark State Park and many more beautiful places.

FIND & BOOK HOTELS IN NIAGARA FALLS, NEW YORK

Things to do in Niagara Falls, Canada

Journey Behind the Falls

Travel straight into the heart of Horseshoe Falls with an elevator trip 150 feet down through bedrock. Then get soaked standing under the falls on the observation decks, or hang back at the portals behind the waterfall. Open year-round.

Whirlpool Aero Car

Journey above the Niagara Gorge on this open-air cable car ride. The cable cars, designed by Spanish engineer Leonardo Torres Quevedo, have been in operation since 1916. The trip passes over the spectacular sights of the whirlpool and the bend in the Niagara River. The cars are held up by six sturdy cables hoisted between two points on the Canadian shore.

Butterfly Conservatory

More than 2,000 beautiful butterflies live in this gorgeous indoor space on the grounds of the Niagara Parks’ Botanical Gardens. Immerse yourself in a tropical paradise while walking through more than 500 feet of pathways. Watch butterflies come out of their cocoons and fly. Open year-round.

Skylon Tower

Take this tower on a journey 775 feet in the air for the highest and most stunning views of Niagara Falls at the observation deck. Even Toronto and Buffalo are visible in the distance. When you get hungry, enjoy a one-of-a-kind meal at the award-winning Revolving Dining Room for a 360-degree view of the Falls, or stop by the Summit Suite Buffet for a casual meal with spectacular sights. Not to mention the shopping, 3-D movie theater or glass blowing studio. Open year-round.

Shaw Festival

From April to early November, performers show off the plays of George Bernard Shaw and his contemporaries – as well as more modern productions and musicals. With 10 productions at four venues, there’s always something to see at this epic theater festival.

Fallsview Indoor Waterpark

When it’s too cold or rainy to go out but you and your kids want to burn off energy and get wet, come to this 3-acre indoor waterpark. It’s packed with 16 waterslides, a full-size wave pool, a splash park and so much more.

Hornblower Niagara Cruises

You can journey out on a boat right to the base of the falls, or take an enchanting evening cruise to see the lights and fireworks with this new cruise company. Either way, get ready to get wet. Sturdy raincoats are recommended.

Oh Canada Eh? Dinner Show

Take a seat at this log cabin restaurant and laugh along at this musical dinner show tribute to Canadian culture and traditions. Dine on a five-course meal served by singing Mounties, lumberjacks, hockey players and more.

Bird Kingdom

Explore the world of exotic birds and tropical reptiles at this free-flying indoor aviary. More than 80 species live in this former corset factory. Don’t miss the lorikeet feeding or the chance to hold friendly animals at the Explorer’s Base Camp. Open year-round.

Horse & Carriage Rides at Queen Victoria Park

What’s more romantic than a horse-drawn carriage ride through a gorgeous garden? This guided tour winds through Queen Victoria Park, the crown jewel of the Canadian Niagara Parks. Available year-round, weather depending. Carriage rides at the nearby Botanical Gardens are also available.

RiverBrink Art Museum

This building houses a unique collection of Canadian art in what used to be the country home of London lawyer Samuel E. Weir. Notable parts of the museum’s permanent collection include sculptures by Marc-Aurèle de Foy Suzor-Coté, and a significant number of paintings by English artist Augustus John. And of course, there are many works inspired by the beauty of the nearby Niagara Falls.

Clifton Hill

The fun never ends on this street full of attractions, games and rides for the whole family. Play mini-golf in the shadow of dinosaurs at Dinosaur Adventure Golf, meet the stars at the Movieland Wax Museum, see the sights from above on the Niagara Sky Wheel and so much more. This street is a must on the list of things to do in Niagara Falls.

Ripley’s Believe It Or Not

See more than 900 strange and unusual exhibits at this museum, from shrunken heads to rare skeletons to two-headed animals and other oddities. The museum also has a moving 4-D theater for even more thrills. Open every day.

FIND & BOOK HOTELS IN NIAGARA FALLS, CANADA

More things to do in Niagara Falls

Rainbow Bridge – This arch bridge connects the United States and Canada over the Niagara River. Take in the scenic views as you walk from country to country. It’s an official border crossing, so bring your passport. Pedestrians pay 50 cents to cross, cars pay $3.50.

Helicopter tours – Soar far above the falls on a helicopter tour with priceless views. Tours are offered by various companies on both the American and Canadian sides, including Niagara Helicopters, Rainbow Air and National Helicopters. Some companies even offer wedding packages for daredevil couples.

What are your favorite things to do in Niagara Falls? Did we miss any must-see attractions? Let us know in the comments, and let AAA help you with your next Niagara Falls getaway at AAA.com/Travel. 

When most people think of art, colorful paintings and elaborately carved sculptures come to mind. The Newport Car Museum in Portsmouth, R.I., spotlights a different kind of art: the automobile.

The 114,000-square-foot building houses more than 70 automobiles, ranging from the classic cars of the 1950s to sleek, modern styles of the present day. Vehicles are displayed without ropes or barriers in the way, allowing visitors to get up close and personal with the machines.

Husband-and-wife duo Gunther and Maggie Buerman opened the museum in June 2017 to showcase the creativity and innovation that go into making cars.

“I had always been a car collector, but I was racing sailboats at the time and didn’t have time to drive the cars,” Gunther said. “I asked Maggie if I should sell them. Instead, we decided to open a museum.”

The automobiles are sorted into six different galleries: World Cars, Corvettes, Ford/Shelby Cars, Fin Cars, an “American Muscle: Then and Now” exhibit, and Mopars. The rarest car in the collection – and the museum’s crown jewel – is a 1965 Ford Shelby 427 SC Cobra, only 31 of which were sold to the public.

Other vehicles include a 20-foot long, 1959 Cadillac Series 62 Convertible, with majestic tail fins and jet-influenced design, and the re-created 1965 Ford GT40 used in “Fast Five,” the fifth installment in “The Fast and the Furious” movie franchise.

Vintage and contemporary artwork and furniture give each gallery a unique flair, while attention-grabbing videos projected on the walls feature the cars on exhibition. A large gift shop sells a variety of merchandise.

The museum also features Playseat driving simulators with over 250 cars to choose from and 60 racetracks from around the world.

Whether you’re a car lover, art aficionado or something in between, the Newport Car Museum is a must-see if you’re in the area.

The Newport Car Museum will host AAA Day on Nov. 23 from 10 a.m. to 4 p.m. Discounted tickets for AAA members and their adult guests cost $12; $8 for children ages 5-15. Visit AAA.com/Discounts for details.

There’s nothing like a weeklong cruise—fine dining! Dancing! Shore excursions!—to help you get away from it all. Unfortunately, your dream getaway is also taking you far away from your own doctor’s care—and, in all likelihood, your health insurance coverage, as well.

Cruise ship doctors are trained to handle many things, but the bill you receive afterwards can bring its own pain. For this reason, savvy travelers consider travel health insurance policies as carefully as they do a cruise line’s itinerary and amenities.

Why you might need a cruise ship doctor

A lot has changed since the old days, when the most excitement you could hope for was shuffleboard on the Lido Deck. These days, however, cruise lines compete with each other to offer the latest and greatest in heart-pounding action and adventure. According to Cruise Critic, a cruise review and community information site: “The trend started with rock climbing walls, waterslides and ice skating rinks and quickly escalated to skydiving simulators, levitating cocktail bars and the latest in high-tech entertainment…”

What could go wrong?

The dangers posed by today’s new attractions combine with well-known cruise ship misadventures of old—food poisoning, viruses, poolside slips, prescription pills left at home—and general risk (strokes, heart attacks, onboard assaults) to provide a veritable ocean of “Quick! Call the doctor!” scenarios.

Where travel health insurance comes in

The good news is that the major cruise ships have trained personnel and better equipment than you might imagine. Cruise ship doctors on major lines have a minimum three years general experience as well as experience in critical and emergency care, and the infirmary could include everything from EKG machines to diagnostic labs.

The bad news is, the convenience comes with a high cost—and it’s not getting billed to (or taken care of by) your health insurance company. Instead, the cruise ship doctor’s bill is charged to your onboard account; you’ll have to figure out how to get reimbursed for those receipts. Your health insurance company may pay some portion, but exclusions (in the form of out-of-network costs and/or the fact that you were not in the U.S. when the incident occurred) may apply.

(Seniors note: Except in rare occasions, Medicare does not cover charges incurred outside the U.S. Check with Medicare.gov for details.)

A well-chosen travel health insurance policy (also called travel medical insurance) will fill in the gaps, helping to pay for emergency medical care and medical evacuation, should you need it. The latter is especially important, as most health insurance companies do not cover emergency evacuation.

You’ll also want to be sure to read the fine print when choosing travel medical insurance. For example, you may find medical evacuation is covered up to $20,000—not very helpful if the actual bill is closer to $100,000. Don’t assume that evacuation is an “onboard incident only” issue; depending on your itinerary, you may want evacuation from an area of the world where the quality of medical care is unknown.

The bottom line (and top tips)

Misadventures on the high seas happen. Be sure to look into a cruise ship’s medical capabilities before booking, and safeguard your wallet by getting travel health insurance.

• The cruise line you’re thinking of booking may offer protection plans and insurance, but experts advise against them. Instead, research multiple companies. Consumer Reports recommends tailoring a plan to your needs: “Ask for quotes, but be sure you’re comparing apples to apples. What’s covered under policies can vary. For example, some may not include emergency evacuation.” Read the fine print.
• Also a good idea: “Check to make sure a cruise line is a member of the Cruise Line International Association. To be a member, a cruise line must meet quality control standards that have been set by the American College of Emergency Physicians.” — John Bradberry, MD/HealthCentral.com
• As always, remember that injuries sustained while under the influence of drugs or alcohol will not be covered by most policies, and that some may have policy limits on the types of “extreme” adventures you hoped to have onboard.
• And one last thought, also from Consumer Reports: “You can sue the cruise line, but you will lose. Courts have ruled that a cruise line may not be held vicariously liable for the negligence of a ship’s doctor, and that ‘a cruise ship is not a floating hospital.’ To the surprise of many disgruntled passengers, there’s no medical malpractice for care rendered aboard a ship.”

Have you ever had a mishap at sea that required a cruise ship doctor and having (or not having) travel medical insurance? Share your advice and hard-won insights  in the comments section below.

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