Big expenses come at us throughout our lives, sometimes unexpectedly, sometimes planned. Regardless of the circumstance, you’ll need a way to finance these major purchases when they arise. If you own a home, your best course of action may be to do so with a home equity loan.

Home equity loans allow you to use your house as collateral and you can use the money for anything you like. Many people take out home equity loans to finance renovation projects that make their property more valuable.

What Are Home Equity Loans?

Also known as a second mortgage, a home equity loan allows homeowners borrow money against the value of their home.

Home equity is calculated by taking the current value of your residence and subtracting your outstanding mortgage balance. For example, if your house is currently estimated to be worth $500,000 and you still owe $100,000 on your mortgage, then you have $400,000 in home equity. Your loan will be borrowed against this total. Typically, most lenders will allow you to borrower up to 80% of the value of your property minus the first mortgage balance.

Home equity loans usually come with fixed rates. This means that home equity loans will be less expensive over the lifetime of the loan than financing your large expense via credit cards or other loan types. You may also be able to deduct the home equity loan interest payments from your taxes. We recommend consulting a tax advisor for personal tax guidance.

There is some risk involved. If you are unable to pay back the loan, the lender could choose to foreclose on your house. Therefore, you’ll want to be on sound financial footing before taking one out.

How Do Home Equity Loans Work?

Your home equity loan will be paid out in a single lump sum. This comes with its own pros and cons. On the bright side, you’ll have access to all the funds you need right away. But, since you’re not borrowing money as you need it, you’ll have to have a very good estimate of how much money you need to borrow from the start. If your home renovation project costs less than the amount borrowed, you’ll still need to repay the entirety of the loan, usually in monthly installments that begin soon after the money is available.

If you’re unsure of how much money you will need, you may want to consider a home equity line of credit (HELOC). Just like a home equity loan, a HELOC allows you to borrow against the equity in your home. But instead of receiving all the funds upfront, you can withdraw money as you need it. HELOCs function much like a credit card in that once you reach your credit cap, your balance will need to be repaid before you can withdraw more money.

What Can Home Equity Loans Be Used For?

Home equity loans do not need to be used on your home. The money can be spent on any big expense you need help financing, such as a wedding or business startup. One popular use for them is paying off credit card debt. Credit card interest rates are notoriously high. Paying off your credit card debt with funds from a low-rate home equity loan could save you a significant amount of money in the long term. It will also help consolidate your debt if you owe money on more than one credit card by allowing you to make just one payment every month.

Although funds from a home equity loan can be used for anything, it’s important to note that interest from these loans is only tax deductible if the funds are used on a home renovation project. Consult a tax advisor to see if your project is eligible.

(Note: The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consult your tax advisor regarding the tax deductibility of interest.)

There’s another convincing argument for using the loan on your home: it is a great return on investment. If you use the funds to add an extra bedroom, remodel the kitchen or install a pool in the backyard, you’re increasing the value of your property, which you will own entirely once your mortgage is paid off.

Let AAA help finance your project with a low-rate home equity loan.

Renovations Worth the Money

So, which home equity loan renovations should you consider if you’d like to increase the value of your home? According to the National Association of Realtors’ (NAR) 2025 Remodeling Impact Report, these interior projects provided the best bang for their buck.

• 100%* — New steel front door
• 83%* — Closet renovation
• 80%* — New fiberglass front door
• 74%* — New vinyl windows
• 71%* — New wood windows

*of project cost recovered at house resale.

And these were the projects that gave homeowners the most joy. NAR calculated the joy score based on how happy homeowners were when the work was completed. Ten was the highest score.

• Added primary bedroom suite — 10
• Kitchen upgrade —10
• New roofing —10
• Bathroom renovation — 9.8
• Complete kitchen renovation — 9.7

Have you used a home equity loan to make home renovations? Tell us in the comments.

Atlantic hurricane season runs from June 1 through Nov. 30 and usually hits its stride around mid-August through October. During this time of year, severe weather becomes top of mind as each named storm brings questions of when and where the next one will hit.

The National Oceanic and Atmospheric Administration predicts an “above normal” hurricane season for 2025, calling for 13 to 19 named storms. Of these, six to 10 could strengthen into hurricanes, including three to five that may reach major hurricane status.

Are you prepared for a weather emergency or evacuation? Take advantage of the calm long before a storm to plan for your family’s safety with these hurricane readiness tips.

To speak to a AAA insurance agent about your storm coverage, schedule an appointment today. 

Sign Up for Storm Alerts 

The Federal Emergency Management Agency (FEMA) mobile app will send you National Weather Service notifications on up to five locations and locate emergency shelters. You should keep an eye on local news and weather reports as well.

Brush up on how storm categories and other extreme weather terms are defined to better understand what’s in the forecast.

Pack a Bag 

If you have to leave your home on short notice, you’ll want some essentials for you and everyone in your family. FEMA recommends packing things like medications, food and water, clothing and a first-aid kit. Your bag should be easy to carry and kept where you can grab it quickly.

Plan for Evacuation 

State or local officials may issue evacuation notices in advance of dangerous storms. Check with your local department of transportation or emergency management office to familiarize yourself with your area’s evacuation routes.

Keep your car’s gas tank at least half-full and carry a kit of basic emergency supplies including snacks, bottled water, a first-aid kit, flashlights, flares, jumper cables, tools, a blanket and a change of clothes.

Establish a Communication Plan 

Figure out how your family will stay in touch if you’re separated or lose power. You can choose an out-of-state contact for everyone to use and designate a meetup spot.

Get Supplies 

You can build an emergency stockpile over time, but remember to replace items with a limited shelf life, like food and batteries. Your hurricane readiness supplies should include:

• One gallon of water per person per day for at least three days.
• At least a three-day supply of nonperishable food.
• Battery or hand-crank radio and extra batteries.
• Flashlight with extra batteries.
• Whistle to signal for help.
• A wrench and/or pliers.
• Dust mask to filter contaminated air.
• Plastic sheeting and duct tape.
• Moist towelettes, garbage bags and plastic ties for personal sanitation.
• Can opener if your food kit contains cans.
• Local maps.
• Prescriptions and reading glasses.
• Infant formula and diapers.
• Pet food and extra water for pets.
• Important family documents, such as insurance policies and bank account records. Store these in a waterproof container.
• Sleeping bags or warm blankets.
• Cash or traveler’s checks.
• Complete change of clothing, including a long-sleeved shirt and long pants.
• A fire extinguisher.
• Matches in a waterproof container.
• Feminine and personal hygiene supplies.
• Paper cups, plates, plastic utensils and paper towels.

Staying Put

If you’re not ordered to evacuate, stay indoors, away from windows and glass doors. Never use a generator or gasoline-powered equipment indoors or in partially enclosed areas. Such equipment should be outside, 20 feet away from doors, windows and vents.

Prepare Your Home 

Powerful winds and floods are two of the greatest dangers presented by hurricanes. Ready your home by reinforcing doors, windows, walls and the roof. You should also bring loose, light objects like patio furniture and garbage cans inside and anchor objects you cannot bring inside, like grills. Trim or remove trees that are close enough to fall on buildings.

To prepare your home for heavy rains or flooding, keep gutters and drains free of debris. If possible, install a water alarm and sump pump with battery and battery backup. Stockpile plywood, plastic sheeting, sandbags and other emergency materials, too.

Remember that flood damage is not covered by standard homeowners insurance. You should talk to your insurance agent about purchasing coverage, which might have a 30-day waiting period before it takes effect.

Learn the ins and outs of hurricane deductibles.

For more information on hurricane readiness and other safety tips, visit www.ready.gov or download our free hurricane preparedness guide.

This article has been updated and republished from a previous version. 

You probably dread getting into your car on a hot and humid summer day. Sometimes the steering wheel is too hot to touch and forget about sitting on leather seats in shorts!

While it can be hard for drivers to handle extreme temperature spikes, it can be even tougher on cars. Summer heat coming through the windows, asphalt and the car itself can cause serious strain on the engine and can also weaken the battery.

Use these tips to keep you and your car from overheating this summer.

Quickly Cooling the Car

Efficiently cooling the car’s interior can reduce some strain on the vehicle and keep the driver more comfortable.

When you first get in, open the doors and windows to let the hot air out, and then, put the air conditioner on ventilation mode to help expel more hot air. Once the car starts to feel cooler, turn the air conditioner to recirculation and put it on its highest setting.

Starting the car and letting the air conditioning run while it’s parked is not the quickest or most economical choice, although it would do the trick in a pinch. Many newer models also come with an option to prestart and cool the interior from a key or mobile app.

More Ways to Keep Your Car Cool

• Embrace the shade. “Park in the shade or in a garage if you have one, and staying out of direct sunlight may help,” said AAA’s Car Doctor John Paul.
• Let in some air. Leave your windows open a crack, but only enough to let in a small breeze — and keep out rain and thieves.
• Invest in a windshield sunshade, especially if you can’t avoid the direct sun.

AAA members get discounts at NAPA Auto Parts, online and in select stores.

Why Do Car Engines Overheat?

When a car engine overheats, there is usually something wrong with the car’s cooling system. The car could be low on coolant, which reduces the temperature of the engine as it circulates. Another common cause is a malfunctioning thermostat. It could fail to open preventing coolant from reaching the engine. Another expensive cause could be a failed radiator, which cools off the coolant and blows hot air out of the car.

Make sure the cooling system is ready by having it flushed on a regular basis by a trusted auto repair facility. Coolant, also known as antifreeze, has anti-corrosion chemicals to prevent rust buildup inside the engine. Getting rid of old coolant, flushing the engine with fresh water and filling it with the proper mixture of the coolant formula and water, along with checking hoses and belts, will help a vehicle stand the test of hot summer driving.

What To Do If Your Car Overheats

If your car is starting to overheat, it may seem a bit sluggish. If the temperature gauge shoots up or if you see steam rising from the hood, pull off the road as soon as you safely can.

If you are unable to pull off immediately, turn off the air conditioner and turn on the heat. Yes, heat. This will help the engine cool a bit before you can stop.

Once stopped, turn off the engine and call for roadside assistance. Do not touch the hood.

You can request AAA Roadside Assistance 24/7.

Preventing Your Car Battery From Overheating

Consumer Reports has found that heat can weaken your car battery more than freezing temperatures.

Heat does not cause sudden battery failure but weakens a car battery over time. The optimum operating temperature for car batteries is 80 degrees, according to NAPA Auto Parts. But as soon as the car is moving, the temperature under the hood starts to rise.

If the temperature is hot enough, chemicals within the battery that conduct electrical charges begin to evaporate. That vapor can lead to battery corrosion over time, and ultimately, failure. In 2024, AAA reported responding to 1.83 million battery service calls in the summer.

“Here in the Northeast, batteries last about five years,” said Paul. “But in hot weather states, like Florida, Arizona and Texas, batteries only last about three years due to the heat.” 

Ensuring the battery is fully charged and the connections are clean helps to maintain it. Periodically checking the charging and starting systems are a good idea as well.

If your battery does give out, call a AAA battery service professional who will come to you and test, clean or replace your battery. They also will properly recycle your old battery.

Learn more about when to replace your car battery.

What are your tips for cooling your car down as quickly as possible on a hot summer day? Share them in the comments below.

Excited for your upcoming international vacation? While checking off your to-do list of things to pack, what to wear and documents to bring, don’t forget to exchange some of your U.S. dollars for foreign currency. Having local cash in your wallet can come in handy for meals, tips and other small purchases.

You can save yourself time and money by getting your foreign currency ahead of your trip. AAA foreign currency exchange service makes it easy. Simply visit your local branch to order currency from dozens of different countries.

Not sure how much cash to exchange or where to start? We’ve got you covered with answers to the most common foreign currency exchange questions.

Is now a good time to travel abroad?

There’s so much culture to explore, food to try and new people to meet around the world. It’s always a good time to travel abroad. Of course, it’s always important to do research on your desired destination to ensure you’ll have the best and safest experience.

Is there an ideal time to order foreign currency and how can you get the most value before traveling?

It’s important to plan ahead for travel but we wouldn’t recommend trying to time your trip around the foreign exchange markets. Currency values fluctuate constantly and no one has a crystal ball that can predict whether the U.S. dollar will be stronger next year versus right now. If you are curious whether the U.S. dollar is strong, you can view the dollar index online (symbol: DXY); when that number is higher than in months or years past, the dollar is gaining strength and will offer greater purchasing power abroad.

Once your trip is in the books, it’s a good idea to order your currency while you are still home. Think about how you feel after a long flight — you’re totally exhausted and just want to get out of the airport. The last thing you want to do is wait in line (and pay extra fees) at an ATM or an exchange desk. Foreign currency exchange at AAA usually takes at least three business days to ship, so plan accordingly.

I have a goal and a budget for my trip. How do I estimate how much U.S. currency to exchange and stay within my budget?

Budgeting is key and you want to ensure you are aware of the costs to expect when you arrive at your destination. Bringing some foreign money can put you at ease. At least $100 per person is a good starting point, although you should consider how often you might need cash.

Remember that ride-sharing companies like Uber and Lyft aren’t guaranteed to be available or even operating in the city and country where you’ve landed. So, it’s best to have cash to buy a train ticket or pay cab fare just in case your technology fails you.

Get more tips on managing your money abroad.

What is the best way to pay for purchases and buy currency when you are abroad?

A mix of cash and credit cards for purchases each day is a smart way to go. It’s great having cash to grab a small bite while you’re running around. There’s also something satisfying about walking into an Italian cafe, placing your euro on the counter and signaling for a quick shot of espresso like a local.

If you need more cash, it’s always best to use an ATM provided by one of the country’s largest, most well-known banks if possible. It’s more likely that the ATM will work properly and accept your debit card. Never use a credit card to withdraw foreign cash from an ATM; most foreign ATMs ask for a pin and your credit card likely isn’t set up to accommodate that. Also, fees and charges on cash withdrawals using a credit card usually are higher.

What do I do with leftover foreign currency? Should I switch it back to dollars or keep it for future use?

It depends on how much currency you have left and whether you need cash immediately. You can certainly switch any paper currency you still have back to dollars. Most exchanges won’t accept coins, so keep them as a souvenir or consider sharing them with the kids in your life to get them excited about traveling abroad one day.

Learn more about AAA foreign currency exchange. It’s just one of many services offered at your local AAA branch.

It’s true, traveling by rail might be slower than air travel. It may even seem a bit old fashioned to some. But when you take a train, the journey can be just as great as the destination. You don’t want to miss out on these top U.S. and Canada rail trips.

Rocky Mountaineer: First Passage to the West

You can see some of the most breathtaking views in the world on Rocky Mountaineer’s classic First Passage to the West route. Over the course of two days, this trip will take you from Vancouver, British Columbia, to Banff, Alberta through the Canadian Rocky Mountains.

Sights include Fraser Valley, the Coast Mountains, the Cascade Mountains, Kicking Horse River, the legendary Spiral Tunnels and a crossing of the Continental Divide. You’ll have an overnight stay in Kamloops, British Columbia, a small city with great views, and you can enjoy breakfast and lunch on the train for both days of the trip.

The ever-changing landscape of dense forests, soaring mountains, glaciers, canyons and rushing rivers are sure to enchant you. The best part? All Rocky Mountaineer trains feature glass-domed coaches, so you’re completely immersed in the experience.

There are many iterations of the First Passage to the West trip. You could go westward, eastward or tack it onto a longer trip. However you choose to experience it, it’s an unforgettable Canada rail trip.

Rocky Mountaineer: Rainforest to Gold Rush

On Rocky Mountaineer’s Rainforest to Gold Rush route, you can experience all the (literal) highs and lows of the Canadian wilderness. This three-day Canada rail trip will take you from Vancouver to Whistler and Quesnel, British Colombia, and Jasper, Alberta.

Along the way, you can see Howe Sound, the Coast Mountains, Fraser Valley, Cheakamus Canyon, the Cariboo Mountains and the glacier-fed Seton Lake. You’ll cross the sky-high Deep Creek Bridge, explore the Canadian Rocky Mountains and climb Mount Robson – its highest peak. Overnight stays in the ski resort town of Whistler and Jasper National Park round out the trip.

Like First Passage to the West, there are several iterations on Rainforest to Gold Rush from which to choose, whether you’d like to keep it short and sweet or incorporate it into an 11-day vacation.

Grand Canyon Railway

Experience the grandeur of the Grand Canyon and the Colorado Plateau on the Grand Canyon Railway, a 64-mile U.S. rail trip between Williams, Ariz., and Grand Canyon Historic Village, on the South Rim of Grand Canyon National Park.

“I think the Grand Canyon Railway is a unique way to see a beautiful part of our country,” said AAA travel advisor Marc Carlson. “The rail is a relaxing way to travel between locations, you get to see the area while traveling and don’t have to drive or go through an airport.”

You won’t just see the Grand Canyon on this trip — you’ll be able to see prairies, pine forests and the high desert. The railway also offers entertainment to its riders, from live musicians to attendants who can tell you about the region and its history. Another entertainment offering is a little more unique — an old-fashioned train robbery by wild west bandits! All in all, it’s a full-day adventure that you’ll never forget.

Amtrak: Coast Starlight

Amtrak’s Coast Starlight route takes you along the coast from Los Angeles, Calif., to Seattle, Wash.. The full trip is 35 hours, so if you’re planning to stay aboard, you’ll need a sleeper car.  

Take in gorgeous views of the Pacific Ocean as you wind up the coastline of California. If you’ve ever wanted to drive the Pacific Coast Highway, this is even better. Overall, the route features around 350 miles of coastline. Then, suddenly, you’ll be plunged into the verdant forests and mountain ranges of Oregon and Washington. Head to the observation car to get an even better view.

Amtrak: Adirondack

Looking for something a little closer to home? Amtrak’s Adirondack route, which stretches from New York City to Montreal, Quebec, resumed regular service in 2023.

On this 10-hour train ride, you’ll be treated to views of the Hudson River Valley, the Adirondack Mountains and Lake Champlain. A great time to take this train is during fall foliage season, when you can leaf peep to your heart’s content.

With its final stop in the historic city of Montreal, it’s almost like a European vacation — without the hassle of air travel.

Amtrak: Empire Builder

Follow the path of Lewis and Clark on Amtrak’s Empire Builder route that stretches from Chicago, Ill., to either Portland, Ore., or Seattle, Wash. (the route varies). The full trip between Chicago and Seattle is 46 hours and can be taken eastward or westward. If you plan on staying on the train for the entire time, book a sleeping car.

On this seven-state route, you can see sights like Glacier National Park, the Cascade Mountains, the Rocky Mountains, the Great Plains and the Mississippi River. If you want to see the Columbia River Gorge as well, take a train that starts or ends in Portland. For panoramic views, head to the domed glass Sightseer Lounge on the second level.

Have you ever taken any trips by rail? Let us know in the comments below.

Start planning a train trip with a AAA travel advisor. Remember, our travel advisor services are included with your membership (that means no extra charge!).

Featured image: Rocky Mountaineer train traveling along the First Passage to the West Route in Morant’s Curve, Banff National Park. Courtesy of Rocky Mountaineer.

This article has been updated and republished from a previous version.

The price for a barrel of crude climbed about 3% by the end of last week to around $70 a barrel on reports that the U.S. might impose additional sanctions on Russian petroleum exports. Oil prices were also under pressure after a fresh round of attacks by Houthi rebels in the Red Sea, a main shipping route for oil cargos from the Middle East.

However, gasoline prices were unaffected as last week’s demand fell below seasonal expectations, according to the Energy Information Administration. For the week ending July 4, total demand was 9.15 million barrels a day, which is low for what is typically one of the biggest weeks of the year for demand. In 2021, for example, demand reached an all-time high of more than 10 million barrels a day.

On the supply front, inventories of gasoline and oil continued to grow amid strong domestic production. Domestic stockpiles of oil climbed by 7.1 million barrels — one of the largest weekly builds of the year. And regional gasoline stocks climbed for a third straight week to settle at 62.79 million barrels, significantly above this time last year and the five-year average.

“A rise in oil prices typically puts pressure on gasoline prices, but weaker-than-expected demand for the week leading up to the Fourth of July and sizable inventories of both oil and gas are tempering price action at the pump,” said Jillian Young, director of public relations for AAA Northeast. “Pump prices are now almost 50 cents cheaper than they were at this time last year.”

AAA Northeast’s July 14 survey of fuel prices found the national average up a penny from last week ($3.14), averaging $3.15 per gallon. The national average price was 2 cents higher than a month ago ($3.13) and 37 cents lower than this day last year ($3.52).

Region	Current Price*	One Week Ago	One Month Ago	One Year Ago
Connecticut	$3.13	$3.15	$3.08	$3.60
New Jersey	$3.08	$3.11	$3.04	$3.49
New York	$3.17	$3.18	$3.10	$3.62
Massachusetts	$3.06	$3.06	$2.99	$3.51
Rhode Island	$3.03	$3.02	$2.97	$3.47

*Prices as of July 14, 2025

As of July 14, Mississippi and Oklahoma had the lowest prices in the nation at $2.70 and $2.75, respectively.California and Hawaii held the highest prices in the nation at $4.52 and $4.46, respectively.

The AAA Gas Prices website is your resource for up-to-date fuel price information. Search for average gas prices on national, state and metro levels by regular, plus, premium and diesel.

Do you know everything your AAA membership can do for you? From instant savings on gas to travel planning services, here are just some of the free perks, discounts and rewards that you can get right now.

Airport Parking

AAA members can get free airport parking and exclusive savings at The Parking Spot. In addition to your everyday discount, AAA members score free reservations. Plus, join the Spot Club to access two free days of airport parking just for being a AAA member. Enjoy hassle-free travel perks on your next trip!

Audiobooks

If you enjoy listening to audiobooks, then you’ll love getting a two-month free trial from Audible. With this offer, you will receive two free best sellers or new releases when you sign up. It’s a great way to discover new authors, catch up on popular titles or enjoy some literature on your commute.

Shell Fuel Rewards

One of the best perks of being a AAA member is complimentary Gold Status with the Shell Fuel Rewards Program. By signing up for free, you can save instantly on all your fill-ups. This is a great way to save money on gas, especially if you’re someone who commutes long distances or loves road trips. Imagine all the extra cash you could be saving just by using your AAA discount at the pump!

Streaming Music

For music lovers, SiriusXM is offering AAA members a four-month, all-access free trial. Enjoy ad-free streaming music, sports, talk shows and more with this exclusive offer. You can never have too much music.

T-Mobile Rewards

Switch to T-Mobile for the best value in wireless. AAA members get up to $200 in exclusive welcome rewards, plus additional savings and benefits.

Travel Planning Services

Turn your travel dreams into reality. AAA members can take advantage of free AAA travel advisor services designed to simplify planning. Let our experts take care of the details and find you extra discounts and savings along the way!

If you’re looking for travel inspiration, TripCanvas is the source for members to plan and book their next vacation with ease, exploring destinations, activities and tips from AAA travel experts.

Members also have access to free online TripTiks, making every journey seamless and enjoyable.

And that’s not all! Watch the savings pile up with AAA Discounts.

Your AAA membership gives you access to so much more than roadside assistance. Learn about the services offered at your local branch.

Will you use any of these free AAA membership perks? Let us know in the comments below.

This article has been updated and republished from a previous version

The vibrant city of New York is arguably one of the best cities in the world. Take a bite out of the Big Apple with this crossword.

Thanks for playing! Here are some tips to help you get the most out of your puzzle playing experience.

Since our members are the root of everything we do, your feedback is important to us. Let us know if you run into any issues while playing, or share your ideas for future puzzles by emailing us. Good luck!

Q. We need to drive our car more so it will pass the emission test.  What speed and for how long?  Please help!

A. Most cars will set the various emissions monitors in a mixture of city and highway driving. Although there is no actual number of miles, most shops will tell you to drive 100 miles or so. It is important that your driving is both low speed under 30 miles per hour and higher speeds up to 55 miles per hour. Also to set the EVAP monitor you need to keep the fuel tank above ¼ of a tank and under 3/4 ‘s of a tank. Depending on your car, there are methods to speed up this procedure with a very specific driving procedure.

Q. I need a battery boost and from someone who knows how to open stuck hood.  I used to open from under dash latch with no problem but now I can’t. I don’t want my car towed because in my neighborhood I don’t want to give up parking spot. What can I do?

A. Most tow truck drivers can work around a stuck hood. The issue is a jumpstart will get the engine going but will not fully charge your car’s battery. The car’s alternator is designed to maintain a battery and not fully charge a dead battery. You could have the battery replaced with a fully charged battery so you can hold onto your parking spot. Although it almost seems like if your car is sitting without being used long enough for the battery to become fully discharged, perhaps you don’t need a car.

Q. I am specifically considering the Lexus hybrid and the Acura RDX among luxury SUVs. I know Volvo puts out a good product, but I think anything from Honda or Toyota is a no brainer due to their reliability and quality. I’m not in a rush to buy, but the value of my 2015 vehicle seems to be appreciating, likely due to its excellent condition and current market trends. Your thoughts.

A. The Lexus RX hybrid is an exceptionally good vehicle and I solid pick. The Acura either RDX or larger MDX are also very dependable and hold their value. Years ago, I was told that Toyota/Lexus was the belt and suspender company. Meaning that Toyota takes multiple safety measures to prevent something from going wrong, typically more than necessary, and that is still the case today.

Q. My Mazda 6 has reached 60,000 miles. Should I have a mechanic check my car’s car belts and any other things?

A. Depending on previous maintenance, at 60,000 miles your repair shop should check the condition of the drive belts and coolant hoses, replace the engine coolant and brake fluid. Depending on the age of the tires and how you drive, inspect those as well. When the car gets up to 75,000 miles it is time for spark plug replacement. If the car still has the original tires those are also likely to need replacement. This would be the ideal time to ask your repair shop to perform a thorough checkup. If you have a check-up performed annually it is much easier to plan for repairs as they come up in the future.

Q. I have a 2018 Ford Expedition Max that is purchased new from the dealer. It has the EcoBoost twin turbo engine and 10 speed transmission. The issue is the transmission; it has been in to the dealer five or six times for slipping gears and loss of power. What can I do?

A. I was optimistic about this transmission since it was a collaboration between Ford and General Motors. Unfortunately, both GM and Ford have had their share of issues with internal leaks in the transmission at cause a variety of issues usually around the four to sixth gear change. The repair is typically a complete replacement of the transmission.

Q. I have seen you mention Mike Finnigan and Tony Angelo on YouTube, who else do you watch? I personally like Scotty Kilmer and The Car Care Nutt.

A. I do like watching YouTube videos where the hosts accurately diagnose and repair the vehicle. Some that I enjoy are Eric at South Main Auto both for his humor and having to deal with rusty cars. Pine Hollow Auto Diagnostics and Mr Subaru are good. For VW and Audi vehicles, the Humble Mechanic and Deutsche Auto Parts channels are quite good. For outright entertainment and just making old cars run and drive, Derrick at Vice Grip Garage is very talented. I also have become a fan of Sarah-N-Tuned for her outrageous attention to detail.

Q. I am putting away my winter car and just recently purchased a Mazda Miata for summer driving. What should I do with my very dependable Toyota Matrix?

A. I would start with an oil change and topping off all the vital fluids. Give the car thorough cleaning inside and out and apply wax to protect the paint. Depending where it will be stored a car cover is always a good idea. I like the idea of using a battery maintainer to keep the battery fully changed. If that is not possible, at least disconnect the battery. Air up the tires to the maximum inflation pressure. I also park outside but put some pieces of construction foam insulation under each tire to eliminate flat spots. I also take a pool noodle and cut it to fit and put them around the wiper blades. Top off the fuel tank and add a gas stabilizer. I usually put in a couple of tubs of moisture eliminator/dehumidifier. In your case, one on the front floor and one in the cargo area. I put tubs on a disposable pie plate just in case they tip over. I usually pull out the seat belts and buckle them to prevent mildew stains on the webbing. I would also avoid using the parking brake when storing a car.

Do you have a car question? Email the Car Doctor for a personal reply: jpaul@aaanortheast.com.

It can be difficult to find activities the whole family can enjoy over summer break, especially when there’s an age gap between children. While the little ones may be easier to entertain, the best memories happen when you choose something that everyone likes.

From retro arcades to quirky day trips, there are plenty of summertime activities in the Northeast that are fun for all, regardless of age. Here are 10 of our favorite summer break ideas.

Remember, AAA members can get exclusive savings on all types of activities with AAA Tickets.

Connecticut

If you want to flex the family’s problem-solving muscles, try escape rooms, which offer groups a room-size puzzle to solve. Some escape room complexes cater to adults, while others are designed more for grade-school birthdays, but Escapology in Trumbull is one of the few that seeks to please all ages. It has rooms that can be set to “kid mode,” as well as more complex rooms for older guests.

Sometimes, fun can be found in unlikely places. Jordan’s Furniture in New Haven claims to have the world’s largest indoor ropes course. The complex has four levels filled with over 100 obstacles and includes a ropes course area for little climbers.

Everyone will appreciate this summer break idea, not just for the challenge, but for the air conditioning.

Massachusetts

A family hike can be tricky to navigate. If the hike is too strenuous or too far, you might end up carrying a child. And, if it’s too easy, it might become monotonous. The unique topography at Purgatory Chasm State Reservation in Sutton threads the needle for some families. Hikers don’t have to walk far to enjoy some goat-like opportunities on the trails’ many low-to-the-ground boulders. The area also has good picnic spots near the reservation’s parking lots.

Another fun day trip is Old Sturbridge Village in Sturbridge, a living history museum that offers a glimpse into rural daily life during the early 19th century. Visitors can wander among the village’s 40 historical buildings and speak to costumed historians who can answer questions. Visitors can also meander trails over more than 200 acres, shop for handcrafted items and enjoy live music.

New Hampshire

For all the fun that amusement parks offer, they can feel like endurance competitions for families with small children. Canobie Lake Park in Salem is the rare exception. While the park offers over 80 rides, it is small enough to navigate within a day. Canobie Lake Park is also home to Castaway Island water park, for little ones to enjoy on a hot day. This can be an asset for caregivers who choose to divide and conquer activities as they watch over children of different ages.

New Jersey

If you’re looking to deepen your family’s connection to food systems, consider visiting one of the many small farms throughout the region. Many of these farms have family-friendly activities during the growing and harvest seasons.

Alestede Farm in Chester is family-owned and offers opportunities to pick your own fruits and vegetables. Families can also visit with the farm animals and enjoy homemade ice cream. And the farm hosts wagon rides, food trucks, corn mazes and live music throughout the summer and fall.

New York

Baseball fans young and old must make a pilgrimage to the National Baseball Hall of Fame Museum in Cooperstown at least once in their lives. Remarkably unassuming for the storied collections it contains, the museum is packed with three-dimensional exhibits of Major League Baseball, the All-American Girls Professional Baseball League, the Negro Leagues and more. While visitors can learn a lot about baseball, this museum can be a great way to learn about U.S. history, too.

Train lovers might want to hop aboard the Adirondack Railroad for scenic railway excursions of the Adirondack Mountains. The railroad operates two stations in Utica and one in Thendara. In addition to the standard scenic trips, the train company also hosts specially themed rides for families, including a fancy tea party train ride. 

Rhode Island

A seaside cruise can be a good chance for a family to explore nature together, and a large boat makes for a smoother ride. Rhode Island Bay Cruises in North Kingston offers 90-minute lighthouse cruises on one of New England’s largest catamarans. Those who climb aboard can take a waterside tour of 10 historic lighthouses and 10 Narragansett Bay islands, spy sea life from the deck and learn about Newport Harbor’s history.

Golf lovers of all ages can easily while away the day at Mulligan’s Island in Cranston. This 64-acre sports complex is home to two creative 18-hole minigolf courses, a driving range and an eight-hole short golf course. The complex also houses batting cages, a volleyball area and a snack hut.

What are some of your favorite family activities during summer break? Share them in the comments.

When you’re ready for some me time, nothing does the trick quite like a spa day or weekend. From massages to manicures, body treatments and facials, there’s nothing better than treating yourself to a little pampering.

Throughout the Northeast, you’ll find plenty of spas offering a wide array of services to set your soul at ease. These are just a car ride away and offer overnight stays. So, start scheduling those appointments, pack your bags and get ready for a spa-tacular time.

Find Your Calm in Cape Cod

Not surprisingly, Cape Cod is a prime locale for rest and relaxation. You will find serenity in excess at The Beach House Spa at the Ocean Edge Resort & Golf Club along the shore of Cape Cod Bay. While the spa offers a menu of massages, facials and other services, it’s the property’s wellness retreats that will elevate your experience. These vary from traditional yoga and meditation retreats to those focused on cold plunges and health-specific issues such as nutrition, bone health, grief and more.

Another option on Cape Cod, the Spa at the AAA Four Diamond designated Chatham Bars Inn invites you to kick back and relax in your own adults-only spa suite. Featuring either a king bed or two queen beds, these specialty rooms include hydrotherapy tubs, saunas, steam showers and fireplaces. When you’re ready for more pampering, head downstairs to the main spa for a service in one of the five treatment rooms. Choices include massages, facials, body treatments and nail services. Available seasonally, you can book an outdoor treatment in one of the five private cabanas in the Zen garden.

New York Peace of Mind

In the Finger Lakes, the Willowbrook Spa at The Lake House on Canandaigua takes its cue from the natural surroundings. You can start your day with a lakeside sauna barrel ritual, a one-hour service incorporating contrast bathing therapy with a variety of topicals and tonics. Then, follow up with your choice of massage, body treatment, facial or nail service. Afterward, you can relax in the sunroom with Himalayan salt feet warmers.  

Another option in the Finger Lakes region is the Inns of Aurora Resort & Spa that sits by Cayuga Lake. The spa’s goal is to promote healing and harmony in your body and mind, and the staff does so with some interesting treatments. In addition to a traditional menu of services, you can opt for the spa’s signature Aurora Ritual. This head-to-toe treatment starts with a hot oil scalp massage followed by hand and feet treatments, all accompanied by guided breath work and vibrations from a therapeutic singing bowl. 

Just 90 miles north of New York City in New Paltz, the Spa at Mohonk at Mohonk Mountain House features a full menu of services, including massages, mindfulness and meditation sessions and yoga. As unique as the 1869 Victorian castle resort it’s in, the spa’s Lakeview Summerhouse treatment room was created to blend in with its surroundings, providing gorgeous views of Shawangunk Ridge and Sky Top Tower along with the lake below.

Float On in Connecticut

Head to the AAA Three Diamond designated Omni New Haven Hotel at Yale, where you’ll find Ripple Float & Wellness Center. As the spa’s name implies, you can book some alone time in one of the float tanks. Filled with just 10 inches of warm water and more than 1,000 pounds of Epsom salt, you’ll effortlessly float, letting the outside world go so you can enjoy 90 minutes of relaxation. You also can opt for cold and warm therapies thanks to the center’s cryotherapy and infrared sauna services.

Relax in Rhode Island

Discover Goat Island and The Spa at Newport Harbor Island Resort. This spa leans its coastal location with appropriately themed services. There’s the Sand & Sea body wrap, which features a full body exfoliating sugar scrub followed by a body mask for extra hydration. Or you can choose the Warm Himalayan Salt Stone massage, a twist on a traditional hot stone massage. For hours of relaxation, go with the Island Retreat, which brings together a shoulder-to-shoulder massage, a pure hydration facial and a seaside scrub.

No matter which spa road trip you choose, you’re sure to be relaxed, rejuvenated and ready for the trip back home.

Plan your getaway with a AAA travel advisor and rent your car with Hertz. AAA members can save up to 20% on Hertz rentals.

Did your auto insurance bill recently get higher?

Auto insurance premiums are expected to increase by 7.5% in 2025, according to The State of Auto Insurance in 2025 report by ValuePenguin and LendingTree.

If you haven’t made a claim recently or have a near-perfect driving record, it might not make sense. But rate increases are an inevitable part of having auto insurance. There are many reasons why premiums go up, and some are unfortunately out of the policyholder’s control.

Current Events

As we deal with inflation and other expensive realities of today’s world, insurance companies are forced to respond.

Inflation

With higher inflation rates, the hard truth is insurance companies have higher bills to pay, too. “Inflationary pressure is increasing the cost of repairs, car rentals and vehicle replacements,” according to the American Property Casualty Insurance Association.

When prices go up, so must insurance.

Cars Have Changed

Modern cars are more than cars. They’re more like computers on wheels.

Take windshields, for example. They aren’t just protective glass anymore, they often include all the technology for advanced driver assistance systems like dynamic cruise control and lane assist, dramatically increasing the cost to repair or replace them.

Because the cost of all significant technology is high compared to what it used to be, repair costs for a newer car could double that of an older model.

It’s an unfortunate set of circumstances that accident rates are increasing at the same time costs of car repairs and medical care are going up.

More Reasons for Auto Insurance Increases

How you drive

Obeying speed limits and traffic laws can dramatically affect your insurance costs. Likewise, the miles driven per car per year can earn a discount or create a greater charge for your auto insurance. Ultimately, the safer a driver you are, the more you can reduce your insurance premiums.

Where You Live

A carrier may find that they need to charge more due to higher claims paid in a state where expenses or litigation is higher. Congested cities may be more prone to crashes or have a higher rate of vehicle theft, which could lead to that more expensive premium.

Age

Drivers who put newly licensed teenagers on their insurance policies will see their auto insurance rates increase, since teenagers are typically involved in more crashes than any other age group. Although, as new drivers build experience without crashes, rates do come back down.

Fraud

Insurance rates for all drivers reflect costs due to fraudulent practices. Examples include drivers who moved but didn’t report it, parents who don’t add teenage drivers to their insurance plans to avoid costs, staged accidents and drivers who ask for higher estimates at body shops.

What You Can Do

Review Your Insurance

This is a good time to get in touch with your insurance agent. Talk to a professional to review what level of coverage you have and go into the conversation with an understanding that costs, in general, have changed.

While some increases are unavoidable, there are some offsets that you can look into. For one, you can consider updating your deductible. If you can handle a higher deductible, it can help to lower your monthly premium.

A review of your insurance policies is recommended annually. Your agent will try to do as much as possible to make sure that you are getting the most from your insurance. There is no cost, and it only takes about 15 minutes.

Improve Your Credit Score

While Massachusetts doesn’t allow it, most states permit credit scoring to help determine auto insurance premiums. Keep on top of your credit score and challenge any errors you find.

Ask About Discounts

While reviewing your policy, ask your agent if you’ve had any discounts recently expire. And while you’re at it, ask if you or your family members qualify for any additional discounts like a good driver, AAA or good student discount. Some providers also offer rate reductions for safety features on your car, paid-in-full discounts, multi-vehicle discounts and bundling home and auto insurance policies together.

Depending on the state where you live, drivers can also receive an auto insurance discount for completing a defensive driving course. The fee to take the class is nominal and the discount usually lasts for several years.

Sign up for a AAA defensive driving course.

Avoid Crashes and Violations

Being a safe driver is one surefire way to keep your rates down.

Drivers who get into a lot of crashes or accrue too many speeding tickets will likely see a surcharge or have their insurance tier adjusted. The tier system is a relatively new way of doing things in the insurance industry, in which those with the least number of occurrences pay the lowest rate.

Insurance providers use tiers to rank customers based on their risk of being involved in another vehicle mishap. While not many people like to be ranked, the industry uses the system to get a more precise evaluation of your driving habits and it sometimes helps prevent rates from skyrocketing for a driver just because of one accident.

What You Shouldn’t Do

Plenty of people that have older cars think about dropping collision and comprehensive, but comprehensive — which protects you from damages not caused by a collision, such as theft, vandalism, storms and animals — is relatively cheap coverage that is smart to keep.

And if you think stopping coverage for a period of time will save you money, it will actually end up costing you more in the long run. “Do not remove your car from your insurance,” stresses Jodi DeSantis, vice president of insurance sales at AAA Northeast. An insurance lapse will result in a penalty as soon as you try to reinsure.

Better Safe Than Sorry

Seeing your auto insurance rates increase is undoubtedly frustrating.

Like groceries and gas, “many view insurance as another consumable,” said DeSantis. “They may wonder, if I haven’t consumed anything (made any claims) why has my rate gone up?” It’s just the reality of the situation right now that insurance prices need to go up with everything else.

DeSantis suggests looking at it a different way. “The fact of insurance is not if you have a claim, but what would you like to see happen if you were to have a claim,” she said.

Although you might not love paying a higher price for your insurance, you’ll be thankful to have it if you ever need it.

To learn more about coverage options and savings opportunities, get in touch with a AAA Insurance agent today.

This article has been updated and republished from a previous version.

At times, an airport can feel like a pressure cooker, filled with thousands of harried travelers. When you’re stuck in a never-ending security line, it can be even worse, especially if you’ve ever looked over at TSA PreCheck and watched travelers breeze through.

TSA PreCheck envy is real, but you too can be on that shorter, faster line. Here are some questions you might have about PreCheck, what it is and how you can get in on it.

TSA PreCheck enrollment is available at select AAA branches. Learn more.

What is TSA PreCheck?

TSA PreCheck functions as a fast lane through the Transportation Security Administration (TSA) security line. By using background checks, Precheck can expedite the screening process.

What are the benefits of TSA PreCheck?

According to TSA spokesperson Lisa Farbstein, TSA PreCheck “allows participants to leave their jackets, shoes and belts on when they go through a checkpoint and it allows them to keep electronics in their carry-on bags. So it’s a great passenger convenience.”

Note: Passengers no longer have to remove their shoes when passing through regular preflight security checkpoints.

Who is eligible for TSA PreCheck?

All U.S. citizens, nationals and lawful permanent residents can apply for TSA PreCheck.

“The application process includes providing some personal information, plus fingerprints,” Farbstein said. “That’s the key – TSA runs a background check, thus knows more about whether the individual should be in the program and deemed a trusted traveler.”

How do I apply?

• Submit an online application to become a TSA PreCheck member on the TSA website.
• Schedule an appointment for a background check and fingerprinting at a TSA PreCheck enrollment center, including select AAA branch locations. You will need a major credit card, bank check or money order to pay the fee; personal checks or checks are not accepted.
• Within two to three weeks, you will receive notification of your TSA PreCheck status.
• Afterward, your airline boarding passes will be marked with a TSA PreCheck emblem and barcode.

How much does it cost?

TSA PreCheck cost varies by provider, but starts at around $77 and is valid for five years, although subject to change. Check the TSA website for the current price.

You can pay the TSA PreCheck application program fee with a credit card, money order or check.

Is TSA PreCheck available at all airports in the U.S.?

PreCheck is available at many U.S. airports, but not all of them. According to the TSA, PreCheck is currently available at more than 200 airports and more than 90 participating airlines. Head on over to the website to find out if your airport participates.

Can families of PreCheck members use the PreCheck lane with them?

Although keeping your travel party together through the security lines is preferable, everyone in the TSA PreCheck line must be a PreCheck member. You can either meet up with the rest of your party at the end of the screening process or join them in the regular security lane.

However, family members aged 12 and under can accompany an eligible parent or guardian with TSA PreCheck through the PreCheck lane.

What type of traveler is TSA PreCheck ideal for?

PreCheck is a great program for those who fly frequently and are tired of dealing with the regular security lanes. From the businessperson who has no time to wait, to the college student continually traveling between her school and hometown. It’s also ideal for those who travel with their electronics, since they don’t have to take them out of their carry-on bags for screening.

How does TSA PreCheck differ from other trusted traveler programs?

TSA and the Department of Homeland Security offer a few different trusted traveler programs for a variety of different types of travel needs.

TSA PreCheck is best for domestic air travel. It requires a valid U.S. photo identification and proof of citizenship.

Global Entry is $120 for a five-year membership, and it is primarily for arriving in the United States from abroad. It includes TSA PreCheck, and requires either a passport or a U.S. Lawful Permanent Resident Card.

SENTRI is best for frequent travel between the U.S. and Mexico. SENTRI members can use expedited lanes for vehicle or pedestrian entry into the U.S. It’s $120 for a five-year membership and requires proof of citizenship.

NEXUS is like SENTRI, but for frequent travel between the U.S. and Canada. It is $120 for a five-year membership and includes TSA PreCheck. It requires proof of citizenship.

How does TSA PreCheck help to keep airports safe?

“For TSA, it’s an enhancement of security because it allows TSA officers to pay more attention to the passengers we know less about,” Farbstein said.

Find out if TSA PreCheck enrollment is available at a AAA branch near you. It’s just one of the convenient services offered at your local AAA branch.

Do you have a TSA PreCheck membership? Let us know about your experience in the comments below.

This article has been updated and republished from a previous version.

Let’s get ready for a day at the beach! Play our beachy crossword to celebrate everything you love about sun, surf and sand.

Here are some tips to help you get the most out of your puzzle playing experience. Good luck!

Since our members are the root of everything we do, your feedback is important to us. Let us know if you run into any issues while playing, or share your ideas for future puzzles by emailing us.

Inventories of gasoline along the East Coast climbed by 900,000 barrels the week ending June 27, settling at 61.6 million barrels, according to data from the Energy Information Administration (EIA). That’s a four-year high for late June and nearly 5 million barrels more in storage than this time last year. 

A sharp drop in gasoline demand also drove lower prices. Demand fell by a massive 1 million barrels a day to 8.64 million barrels a day, according to the EIA, which came as a surprise to some market participants. The sharp falloff in demand could be influenced in part by fuel retailers filling their tanks two weeks ago, ahead of expected July Fourth holiday price increases and deferring replenishing amid last week’s price declines. Markets will closely watch this week’s report from the agency to see how demand played out in the days leading up to July Fourth. 

Oil prices, meanwhile, were relatively stable, between $65 to $68 a barrel, and could trend lower in the coming weeks as all signs point to more global supply. As U.S. production continues at a near-record clip, OPEC+ members agreed over the weekend to increase production in August by 548,000 barrels a day — 137,000 barrels a day more than expected.  

“Historically, gasoline demand peaks for the year around the July Fourth holiday,” said Jillian Young, director of public relations for AAA Northeast. “Considering the dramatic swings in demand reported so far in June, more time is needed before the summer’s overall trend is clear. For now, pump prices sit more than 40 cents a gallon cheaper than this time last year, and the gap could widen unless market conditions take a dramatic turn.” 

AAA Northeast’s July 7 survey of fuel prices found the current national average down 4 cents from last week ($3.18), averaging $3.14 per gallon. Today’s national average price was a penny higher than a month ago ($3.13) and 36 cents lower than this day last year ($3.50). 

Region	Current Price*	One Week Ago	One Month Ago	One Year Ago
Connecticut	$3.15	$3.17	$3.08	$3.59
Massachusetts	$3.06	$3.07	$2.99	$3.50
New York	$3.18	$3.21	$3.10	$.62
Rhode Island	$3.02	$3.06	$2.97	$3.47

*Prices as of July 7, 2025 

As of July 7, Oklahoma and Mississippi had the lowest prices in the nation at $2.69 each. California and Hawaii held the highest prices in the nation at $4.56 and $4.47, respectively.  

The AAA Gas Prices website is your resource for up-to-date fuel price information. Search for average gas prices on national, state and metro levels by regular, plus, premium and diesel. 

It’s important to have peace of mind that your home will be safe while you are on vacation. Don’t worry. These home security tips will help you to decrease the possibility of a burglar targeting your house.

Create the Illusion You Are Home

Set your house lights on a timer so they come on at specific times of the day. Also, light up your porch or yard with a timed controller. Of course, not everybody has these setups, but there are other things you can do. Leave your home’s shades and blinds as you typically do and park a car in your driveway. Arrange for someone to mow your lawn and clip your hedges if you plan on being away for more than a week. This is a super simple home security tip that makes it look like your family is not away.

Lock All Doors

Here’s a simple but easily forgotten home security tip: Lock all your doors securely. If possible, use thick cylinder locks. Millions of homes are broken into every year and this simple step is a good start to making sure yours is not one of them. Experts say every exterior door should have a deadbolt. If your doors still have the same locks they had decades ago, it might be time for an upgrade. Do your research to find which types of locks tend to be more resistant to being picked and purchase them.

Ask Your Neighbors for Help

If you have a neighbor that you trust, ask them to watch your property while you are away – and do the same for them when they travel. Ask them to pick up your mail, circulars and newspapers, which helps to create the appearance that you are at home. If a neighbor can’t assist you, and you don’t have any family members in the area that can help, request that your post office cancel deliveries while you’re away and hold your mail.

Don’t Advertise That You’re On Vacation

Resist the temptation to write about your upcoming trip on social media and wait until you return to post all the great photos you’ve taken during your travels. Crafty crooks can discern that you are away from home via your posts on public feeds and use it to their advantage.

Hide Your Valuables

Fill up a fireproof safe with your expensive jewelry, family heirlooms, the deed to your home, wills and any other important documents that you want to keep safe. While you’re at it, you should also toss in your home inventory list. A home inventory is a room-by-room list or video of everything you own (and receipts when possible) that can help expedite the claims process in the event that they are damaged or stolen. You should also check with your insurance agent to see what’s covered from theft in your homeowner insurance policy.

Visit AAA.com/Insurance to get in touch with a AAA insurance agent.

Invest in a Good Alarm System

Research the best types of alarm systems and be sure yours is working and set when you leave your house. If you’re going to be away for an extended period, you may want to alert your security system provider prior to your trip. You can also deter thieves by advertising that you have an alarm system. Put an alarm company sign or sticker in a prominent spot near your door to let potential burglars know your home is armed.

Exterior and indoor cameras are also a solid investment for peace of mind while you’re away. Easily accessible via a connected app on your phone or tablet, you can monitor your home from wherever you are.

Unplug Appliances

It’s a good idea to unplug any unnecessary appliances such as computers, televisions, coffee makers and microwaves to protect your property from an electrical fire or power surge while you’re gone. For appliances you can’t easily unplug, like your oven, ease your mind that all burners and functions are set to off mode by taking a photo before leaving.

If you’re traveling in the winter, you can turn down the heat to save money, but don’t turn it down below 55 degrees or you could run a risk of your pipes freezing and bursting. In the summer, turn down your air conditioning, depending on how hot you expect it to be while you’re gone. (Consider these your home security tips for disasters not caused by greedy burglars.)

Form a Crime Watch

Enlist your neighbors to create a group to keep an eye on properties in your community. Often, you can form a neighborhood crime watch with the assistance of your local police department. And, obviously, always report suspicious activity on your block as soon as you see it.

If you have any other home security tips that you’d like to add, share them in the comment section.

Make sure your valuables are covered. Learn more about AAA home and condo insurance in your state. 

This article has been updated and republished from a previous version.

Having your vehicle stolen is one of the most unsettling feelings a car owner could have. In the initial moments of shock and confusion, your mind will be racing and you may feel overwhelmed. From reporting the theft to making an insurance claim, here is what to do if you find yourself in this unfortunate situation.

Get to Safety and Assess the Situation

Having your car stolen is an unsettling experience to say the least. Whether your car is taken from a parking lot or street, you will probably spend a while just trying to figure out what happened. You might retrace your steps thinking you parked somewhere else before eventually coming to the realization that your car was stolen.

The first thing to do is get yourself to safety. Find a well-lit space and a security guard, friend or another trusted person who can remain with you while you contact the police.

Contact the Police

If your car is missing, contact the police to determine whether your car has been towed or stolen. Particularly in major cities, vehicles are towed promptly for parking in the wrong place at the wrong time. In either circumstance, the police will be able to assist you.

Be prepared to provide your license plate number and vehicle identification number as well as the color, model, make and other descriptors. This information will be used to add your missing car to national and state auto theft registries and added to your title record, which helps prevent it from being sold. Additionally, your auto insurance provider will require a copy of the police report that is filed.

Rely on Car Locator Technology

The fastest way to locate a stolen car is through GPS or other location-tracking technology. Tracking systems can pinpoint your vehicle, transforming the way that auto theft is handled. If you have signed up for a vehicle-tracking service, your car can often be tracked in real-time, providing the police with valuable information that allows them to pursue your missing car. While it may be tempting to use this information on your own, this is not advisable as it can be dangerous. Allow the authorities to handle vehicle recovery.

Contact Your Auto Insurance Provider

Once the auto theft has been reported to the police, contact your insurance provider. In addition to a copy of the police report when it is available, the company will ask for details including the last location of the car, a list of personal property that was in your car, the location of all keys, contacts for anyone who may have been able to access your car and information about your car financing. Be as comprehensive as possible and expect to answer written questionnaires or participate in recorded conversations with an adjuster.

Note that auto insurance usually only covers the vehicle itself, not personal property stolen from or with your car. Personal property may be covered through a homeowners, condo or renters policy.

Do you know if your vehicle is insured for theft? If you have comprehensive auto insurance, also known as other than collision, the answer is yes. This type of coverage protects you in the event that your car is stolen, vandalized or incurs damage from natural causes, animals or other circumstances not covered by liability insurance. While you might be tempted to select the least amount of insurance required by law, the investment in comprehensive coverage pays off if your car is stolen.

Get a Rental

For the in-between period when you do not have a car, you may need a rental. Rental reimbursement coverage will typically cover you for an allotted amount per day. Think about whether you have alternate transportation options to decide if and how long you need to rent a car, and if you do rent, what kind of rental you will need. For example, if you need to drive an SUV for work, make sure you are covered to rent something a bit more expensive than a basic sedan.

Continue to Make Car Payments

Inform your financing or leasing company that your car has been stolen, but remember to keep making payments on time; you are still responsible for the full amount of any loan. Gap insurance can cover the difference between the insured value of your stolen vehicle and what you might still owe on it.

Remain Calm During the Waiting Period

Before your insurance provider finalizes your claim, there will be a waiting time that varies by carrier. This is a standard part of dealing with auto theft, and while it may add to your stress, keep in mind that if your car is insured, the situation will be resolved.

Prevent Future Car Theft

Auto theft is one of the most upsetting experiences a driver can have. Preparing ahead — just in case — is the smartest thing you can do to make the situation easier.

Consider installing a GPS tracker (these are Car and Driver’s top recommendations). If you have an iPhone, you can also place an AirTag in you car, which can be located through the Find My app or iCloud.

If you do not have comprehensive coverage, now is also the time to update your policy.

To learn about car insurance options, schedule an appointment with a AAA insurance agent.

Has your car ever been stolen? Tell us about it in the comments. 

From covering the cost of funeral and burial services to contributing to your child’s college fund in your absence, the protections life insurance provides for your family are far-reaching. Without it, you risk leaving your loved ones with significant financial challenges.  

Plus, the earlier you start thinking about life insurance, the less you can expect to pay. Below, we’ll explore what life insurance is, the best time to purchase it and the cost of not having a life insurance policy. 

What Is Life Insurance? 

Life insurance is a type of coverage that protects your loved ones from the costs associated with your death. It can also help fill the financial gap left when your income is no longer available. Life insurance is a key aspect of retirement planning that’s often overlooked. 

Over half of Americans believe life insurance costs more than they can afford, according to LIMRA, but often, this isn’t the case. 

The Cost of Not Having Life Insurance

From funeral arrangements to unpaid debts and end-of-life care, the unfortunate reality is that there are often significant costs when a person passes. Life insurance can help alleviate this burden for loved ones. Here’s a breakdown of the cost of not having coverage. 

Funeral and Burial Costs

The cost of cremations, burials and services is often significant — the average funeral with a burial or cremation is $7,848, according to the latest stats from the National Funeral Directors Association. Choose to be buried in a different state, and this can increase even more. 

Life insurance can relieve this financial burden. In some instances, it can even help cover the cost of travel expenses so your out-of-state loved ones can say goodbye. If your family can’t afford to cover the cost of a funeral, a coroner may perform a cremation without holding a family service. 

Unpaid Loans

Without life insurance, the burden of mortgage debts, car loans or unpaid student loans may fall on your loved ones. With car loans alone averaging between $26,000 and $50,000, according to Consumer Reports, this cost can be significant. 

End of Life Care 

In some cases, end-of-life care may be necessary. Without life insurance, your loved ones may be responsible for any outstanding costs. 

Family Members Dependent on Your Income

Without your income, your family may not be able to continue living in the family home. Stay-at-home partners should not underestimate their monetary value, either. In your absence, additional child care, cleaning or meal preparation services may be necessary. Life insurance can help cover the cost of these essential services, relieving your family of financial stress. 

Children’s Education

In the event of your passing, you may not be able to accumulate the savings you’d planned for your child’s education. In your absence, life insurance benefits can help fund their education. 

When Should You Consider Life Insurance?

The cost of not having insurance is significant. But is life insurance for everyone? And when is the best time to buy? We’ll dive into these questions below. 

When You’re Young

Young people need life insurance, too — in fact, it’s often the best time to buy. For a healthy, 20-year-old nonsmoker, life insurance averages only $14.75 per month. After this, premiums increase an average of 8% to 10% per year. Plus, the younger you are, the easier your approvals will be. 

You Have Debt

It’s not unusual to pass away with unpaid debt. With Gen Z’s total debt averaging $30,000, this is unlikely to change. To avoid passing debt to your loved ones, consider a life insurance policy. 

Others are Dependent on Your Income

If your income suddenly disappeared tomorrow, could your family afford to stay in your current home? Or would your spouse be able to retire as planned if you were no longer in the picture? In some cases, your income may be essential to keep your family afloat. 

You’re Not Self-Insured

Some people may choose self-insurance, meaning they save money to protect their family after they pass. If this doesn’t apply to you, life insurance is likely your best option. 

Facing up to the reality of life after we’re gone can be overwhelming. But failing to plan for your family’s future can put them at a major financial disadvantage. 

Fortunately, once you’ve purchased a life insurance policy, you can rest assured knowing your family will be protected. Purchase life insurance when you’re young, and your policy may even cost less than your favorite streaming service. 

Be sure to reassess your policy if and when you incur new debt. This will help ensure adequate coverage in the event your policy goes into effect.  

Learn more about getting a life insurance policy through AAA.

Like alcohol, drowsiness can slow reaction time, impair judgement and decrease awareness of your surroundings. The concept of microsleeps — momentary lapses in concentration — can lead to loss of control of the vehicle or respond to dangers on the road. Being awake and alert behind the wheel is just as important as not being under the influence.

Crashes caused by drowsy driving tend to be severe because the driver may not attempt to brake or swerve to avoid a collision, so the resulting impact occurs at a high rate of speed.

One-third of crashes involving a drowsy driver result in injuries, and more than 17% of fatal crashes involve driver fatigue.

Drowsy Driving Facts

Know the Warning Signs

Stay alert and stay safe. If you notice any of the following, it’s time to take a break from driving.

• Having trouble keeping your eyes open and focused.
• Yawning frequently, nodding off or having trouble keeping your head up.
• Drifting from your lane or tailgating.
• You miss signs or drive past your exit.
• Not remembering the last few miles driven.

Tips to Stay Awake While Driving

What can you do to stay alert behind the wheel?

• Get a good night’s sleep. Aim for at least seven hours of sleep per night.
• Travel at times of the day you are normally awake. Avoid driving when tired or sleepy.
• Avoid heavy foods and medications that cause drowsiness.
• Travel with an alert passenger and take turns driving.
• Schedule a break every two hours or every 100 miles. Plan breaks in advance, rather than waiting until you’re already feeling drowsy.

What are your tips for staying alert behind the wheel? Share them in the comments.

Walking up to the entrance of Universal Orlando’s Epic Universe, a massive gate rises in front of you, with spinning orbs, glowing lights and gleaming touches of gold.

“Beyond this gate find gardens green and epic worlds to fill your dreams,” it reads.

But it’s not just a gate. It’s the Chronos — a portal to the multiverse and into first new theme park to open in America in 25 years.

Once you’ve walked through it and into the park, the gate has another message for you on the other side:

“You wonder next which path to chart, the answer lies within your heart.”

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The concept is simple and complex at the same time. By stepping through the Chronos, you’re entering the multiverse, where infinite opportunities present themselves to you. From there, you choose where to go: into virtual fantasy, gothic thrills, magical time travel or a mythic island filled with dragons.

The sheer triumph of Epic is difficult to condense, but in a sentence: It’s beautiful, with mind-blowingly advanced rides, next-level immersion into fantasy and the kind of food you want to come back for again and again.

Here’s what to know about Universal Orlando’s Epic Universe.

Celestial Park

Epic Universe’s central hub is Celestial Park, which is a lush interstellar paradise, full of gorgeous water features, retro-futuristic design elements and celestial mythology and Victorian-era steampunk travel imagery. It’s where the park’s fine dining seafood restaurant, Atlantic, overlooks the land’s lagoons, including the evening Cosmos Fountain Show. It’s also the location of the park’s biggest thrill ride, Stardust Racers, which is a dueling coaster that evokes the beloved, long-gone Dueling Dragons at Universal’s Islands of Adventure, but with the intensity of the VelociCoaster, topping out at 62 mph and 133 vertical feet.

Super Nintendo World

Whether you haven’t played a Nintendo game since the original NES Super Mario Bros. or you’ve already preordered the upcoming Donkey Kong Bananza for the Switch 2, Super Nintendo World will hit you in all the feels. (I say this as someone who hasn’t bought a game system since the Playstation 2.) Once you step through the portal — which says, “Here we go!,” Mario’s signature catchphrase — you’ll hear that unmistakable sound of traveling through a warp pipe and emerge into the Mushroom Kingdom, where Mario, Luigi, Princess Peach and Toad are all waiting to greet you.

In the main area of Super Nintendo World, called Super Mario Land, there’s Mario Kart: Bowser’s Challenge and Yoshi’s Adventure, plus a series of interactive games you can play (using a separately purchased Power-Up Band) to get to the final showdown with Bowser Jr. in his castle, where it genuinely feels like you’re stepping into a video game.

The land also has another mini land inside, Donkey Kong Country, where everything is bananas (literally). Donkey Kong comes out to meet guests, or people can see him on Mine Cart Madness, a coaster that evokes the experience of being in the Donkey Kong games, complete with broken pieces of track that your ride car has to jump.

Dark Universe

Dark Universe, inspired by Universal’s genre-defining classic monster movies, brings people into a world filled with macabre delights. The village of Darkmoor is a dangerous place, run by vampires, where monsters like the Bride of Frankenstein and the Invisible Man walk freely among humans, and Ygor runs around with his bag of parts, finding more material for the experiments inside Castle Frankenstein.

Monsters Unchained: The Frankenstein Experiment is a motion simulator ride that brings you inside the castle, with incredible animatronics including scientist Victoria Frankenstein (heir to the castle) and Dracula. Curse of the Werewolf is a spinning coaster, and the Monster Makeup Experience allows you to paint your face like one of these preternatural creatures if you’re so inclined.

Das Stakehouse is a garlic-free restaurant run by vampires and their familiars, but the Burning Blade Tavern — with a real windmill that ignites every 20 minutes — is a haven for monster hunters. Step inside, order a Reaper’s Reserve beer (only brewed for that land) and have a conversation with one of the hounds, the humans who have devoted themselves to ridding Darkmoor of its monsters.

The Wizarding World of Harry Potter — Ministry of Magic

The Wizarding World of Harry Potter — Ministry of Magic transports you to 1920s Paris. Wizards and witches from Beauxbatons Academy of Magic roam the streets, wands at the ready, while investigators from the Ministry of Magic lurk around corners, asking you what you know about Albus Dumbledore.

Within this land is the Cirque Arcanus show, inspired by the “Fantastic Beasts” franchise, and the park’s most highly sought-after ride, Harry Potter and the Battle at the Ministry, which features real stars from the films. Even if you don’t ride the ride (which you should, it’s not very intense), check out the queue, where you can portal through the Metrofloo transit system and explore the inner workings of the Ministry of Magic.

At Cafe L’air de la Sirene, sit in what feels like a real French brasserie and order the single most buzzed-about food at Epic: the Butterbeer Crepe. Topped with a Bieraubeurre shortbread cookie (this is “Paris,” afterall), it’s a surprisingly delicious and not-too-sweet take on the Wizarding World’s signature beverage.

How to Train Your Dragon — Isle of Berk

You could spend a whole day in Isle of Berk, themed after the “How to Train Your Dragon” movies, and still not see everything the land has to offer.

This fantastical Viking landscape is dotted with dragons, including a ton of animatronic installations. They’re tucked away snoozing in nests on top of buildings, lovingly terrorizing Berk’s flying sheep and soaring overhead in real, free-flying activations. A Snow Wraith dragon blows freezing air at you, and Toothless (with Hiccup, of course) makes frequent appearances to greet his fans. If you approach carefully, he’ll likely let you pet his head — but if you scratch under his chin, he’ll fall asleep instantly. The cutest of all is Pouncer, the baby dragon who walks around the land playing with guests.

That’s all in addition to three rides — the boat ride Fyre Drill, the soaring Dragon Racer’s Rally and the family-friendly coaster, Hiccup’s Wing Gliders — and the unmissable Untrainable Dragon show. Plus, the mac and cheese cones everyone keeps talking about, which are as delicious as they look.

Eating and Drinking Throughout the Park

As someone whose favorite Disney park is Epcot, I don’t say this lightly — Epic Universe rivals that Walt Disney World experience. Even if you didn’t get on a single ride, you could still have a delightful day at Epic, just strolling around, eating, grabbing drinks at the park’s walk-up bars like CelesTiki or the Plastered Owl, and just taking in all the vibes.

There are so many snacks to try that, even though I’d spent several days in the park, I’d barely scratched the surface of what’s available.

Each of the lands has at least one sit-down restaurant, highly themed to the space. In Super Nintendo World, Chef Toad cooks up video game-inspired treats at Toadstool Cafe. In Isle of Berk, there’s the Viking Mead Hall, which serves grilled meats and fish and a truly unmissable mead (which is fruity and refreshing, not cloyingly sweet). Tucked away in a dark corner of the Wizarding World, there’s also Le Gobelet Noir, a German-meets-French tavern with hearty fare. And in Dark Universe, the aforementioned Burning Blade Tavern has a small but mighty menu (and because it’s the only human-run restaurant in a town full of vampires, there’s a lot of garlic on the menu).

In Celestial Park, besides Atlantic for seafood, there’s the Italian Pizza Moon, the barbecue Oak and Star Tavern and the Asian street food-inspired Blue Dragon restaurants. Plus, there’s food and drinks to try at the Epic Universe’s hotels, including the rooftop Bar Helios in the Helios Grand.

Seriously, come hungry.

Staying on Epic Universe Property

Epic Universe has three hotels: the luxury Helios Grand is attached to the park, and has an entry gate in the lobby, while the value-price Universal Stella Nova and Terra Luna resorts are a 3 minute shuttle away. The campus is connected to the rest of the Universal Orlando resort via bus shuttles. It takes about 12 minutes to get from Epic to Universal Orlando’s other parks and hotels. Resort guests all get early entry into select lands at Epic Universe.

Contact a AAA travel advisor to help you find the best deal on your Universal vacation.

Will you visit Universal Orlando’s Epic Universe? What are you most excited about? Tell us in the comments.