Having a healthy credit history and understanding your credit report are important steps to maintaining your financial well-being.

Consumers with strong credit ratings often benefit from easy access to credit and lower interest rates. Checking your credit report lets you assess how you’re doing and gives you an idea of what to expect the next time you apply for a loan or a credit card. It can also alert you to potentially inaccurate information, such as fraudulent borrowing by an identity thief.

Here’s a quick rundown of what you can expect when you check your credit report.

What is a credit report?

The U.S. Consumer Financial Protection Bureau says it as well as anyone: A credit report contains information about your credit such as loan payment history and the status of your credit accounts. Lenders use these reports to make lending decisions.

Who compiles these reports?

The three largest providers of consumer reports in the U.S. are Equifax, Experian and TransUnion.

How can I get my reports?

Under the Fair Credit Reporting Act, you’re entitled to a free copy of your credit report every 12 months. Many consumers request their reports through www.AnnualCreditReport.com, the only credit report website authorized by federal law.

You can request one, two or all three of your reports – one from each credit bureau. You’ll need to enter your name, Social Security number and address before answering a series of identity verification questions based on your borrowing history.

Understanding your credit report

Knowing what you’ll see is a big part of understanding your credit report.

Your credit report will contain payment history on credit cards, mortgages, auto loans and student loans, among other types of debt. It will also show how much credit you have available, how much credit you’re using, information from debt collectors and debt buyers and public information, such as court judgments and bankruptcies.

Credit inquiries will be highlighted, too. Some reports differentiate between hard and soft inquiries.

Hard inquiries are typically those made by lenders in response to a request for credit. Auto loans, mortgages and credit cards are examples of borrowing that will trigger hard inquiries. Several hard inquiries in a short period of time for credit cards can negatively affect your credit score, although shopping for a mortgage or auto loan within a short period will be reviewed as only one inquiry. It’s considered smart consumerism.

Soft inquiries are generated following an auto insurance application (in certain states), or by lenders looking to send you promotional offers or raise your credit limit on their own, to name a few examples. Soft inquiries, which include reviewing your own credit, do not generally impact your score.

The most important thing to do when looking at a report is confirm the accuracy of information. The CFPB advises consumers to check that information in your credit report is only about you, and to keep an eye out for any inaccurate or incomplete information. Check for addresses where you did not live, names of employers you didn’t work for and any information that should no longer be on your report, such as derogatory information older than seven years or a bankruptcy older than 10 years. Generally, information reported within 90 days is considered current.

What if I see something inaccurate?

Consumers can dispute information on their credit reports that they believe to be inaccurate. Some online reports will allow you to file a discrepancy by clicking a link, and all three credit bureaus have dedicated websites for filing disputes.

Credit bureaus must investigate items in question, according to the Federal Trade Commission, typically within 30 days unless the request is deemed frivolous. If your dispute is valid, the company that provided the inaccurate information to the credit bureau – for example, your credit card company or auto loan lender – must notify all three credit bureaus. Once your report is updated, you are entitled to a free copy of your report from the bureau you filed your dispute with, and this free report does not count as your free annual report.

If you find inaccurate information, you aren’t alone. In May 2016, the CFPB highlighted credit reporting in its monthly complaints snapshot. More than three-quarters of credit reporting complaints received by the bureau related to incorrect information on consumers’ credit reports.

In early 2013, the Federal Trade Commission reported that 5 percent of consumers had errors on one of their reports that could potentially result in higher borrowing costs.

Where is my score?

Many people checking their credit report are interested in knowing their credit scores. Lenders use these numbers to determine an individual’s credit worthiness. The models used by each credit bureau differ from one another, which typically leads to different scores. Models can differ depending on the type of credit you’re requesting, too.

Your credit report does not contain your credit score. You can track down your credit score in a few different ways. Some credit card companies provide consumers a score on their monthly statements, while FICO scores are available for purchase.

Consumers should be careful using any service that offers free credit scores. In January 2017, the CFPB ordered TransUnion and Equifax to pay more than $17.6 million in restitution and $5.5 million in fines for deceiving consumers about the usefulness and actual cost of credit scores sold to consumers.

Scores sold to consumers were not the same ones used by lenders, announced the CFPB, and some consumers who signed up for free credit scores were automatically enrolled in a subscription program that charged them every month unless they canceled.

Always remember that no consumer has a single credit score.

Do you still have questions about accessing or understanding a credit report? Let us know in the comments below.

To learn about all of the financial services that AAA can provide, visit AAA.com/Financial. 

If you’re looking for a place to stay, reviewing AAA Diamond hotels is a good way of narrowing down your search. AAA Diamond hotels tell guests the properties have been approved by AAA’s expert inspectors, and the number of diamonds – from one to five – tells guests what kind of amenities to expect.

AAA also uses its diamond system to rate restaurants.

In 2017, several properties were honored with Four and Five Diamond ratings for the first time. Four Diamond hotels and restaurants represent just 3.9 percent of nearly 59,000 AAA Approved and Diamond Rated establishments.

AAA Five Diamond hotels and restaurants are the best of the best, giving guests pure luxury and sophistication, countless amenities and restaurants that serve leading-edge cuisine in extraordinary surroundings. Only 183 establishments – 120 hotels and 63 restaurants – earned their place on the 2017 Five Diamond Award list.

Here is a look at the 2017 Four Diamond additions in Massachusetts and Five Diamond additions in New York. New York was the only city in 2017 to add a Five Diamond restaurant and hotel to its roster!

Massachusetts

Boston Park Plaza is one of many AAA Diamond hotels in Massachusetts’ capital city. The hotel celebrated its 90th anniversary in 2017 after completing a multiyear, $100 million renovation in 2016. Furniture and fixtures throughout the hotel were replaced, the 1,060 guestrooms and communal areas were completely redone and a library room was added.

The Godfrey Hotel. This AAA Diamond hotel opened in February 2016 following a restoration of the historic Blake and Amory buildings in Boston’s Downtown Crossing neighborhood. Its 242 rooms offer luxury bedding and upholstered seating. Guests can also use their smartphones to stream photos, videos and music to 55-inch, in-room televisions.

The Royal Sonesta Boston. Located along the Charles River in Cambridge, the Royal Sonesta Boston provides easy access to attractions like the Museum of Science. It has 400 guest rooms and 28,000 square feet of meeting space. In 2014, the hotel renovated 200 guest rooms and added a new lobby.

The Inn at Hastings Park. This Lexington, MA, property offers a different sort of luxury experience than many AAA diamond hotels. Guests stay in one of three restored historic buildings built in the mid and late 19th century. The inn is a short walk from the Lexington Battle Green, a historic site in the American Revolution.

Among nearly 28,000 AAA Approved hotels in the U.S., Canada, Mexico and the Caribbean, just 6 percent are recognized as Four Diamond properties. There are 50 Four Diamond hotels in Massachusetts. Only California (176), Florida (141), Texas (92), New York (82) and Ontario, Canada (52) have more.

New York

The St. Regis New York. A New York landmark since 1904, the St. Regis New York, in midtown Manhattan, is an appealing AAA Five Diamond property that offers style at a grand level.

“When combined with contemporary luxury and attentive services, it is in a rarefied, supreme class altogether,” wrote AAA’s anonymous inspector. “This historic AAA diamond hotel was built by John Jacob Aster IV as a sister property to the Waldorf Astoria, just a few years before Astor went down with the Titanic. Today, guests can enjoy unlimited use of the private on-site health club, complimentary garment pressing upon arrival and fresh fruit or candy delivered daily.”

New York has 10 Five Diamond hotels, all in New York City. The state trails just California (17) and Florida (11) in total number of Five Diamond hotels, though no single city has more. The closest is Las Vegas, with seven.

The Modern, which overlooks the Abby Aldrich Rockefeller Sculpture Garden at the Museum of Modern Art, was the only restaurant in the U.S., Canada, the Caribbean and Mexico added to the 2017 AAA Five Diamond list.

“An exquisite museum sculpture garden provides this AAA Five Diamond restaurant a sublime, cosmopolitan and relaxed setting for a most splendid meal,” wrote the AAA inspector. “Service is energetic and diligent. The wine list is ample, and desserts are, like the setting, wonderfully artistic. Chef Abram Bissell adds his own signature and contemporary New American touch, and service staff is a pleasing blend of professional, enthusiastic young servers and a highly knowledgeable old guard.”

New York has 10 Five Diamond restaurants, the most of any state. California trails with nine followed by Illinois with six and Nevada with five. Nine of the New York’s Five Diamond restaurants are in New York City. That’s the most of any city nationwide trailed by Chicago, with six, Las Vegas, with five and San Francisco with three.

Have you ever stayed at one of AAA’s Four or Five Diamond hotels, or dined at a Four or Five Diamond restaurant? If so, tell us about your experience in the comments below.

Click here for more information on AAA inspections and diamond ratings. 

Plan and book your next getaway with AAA. 

The best of the best – That’s what you can expect from AAA’s Four and Five Diamond hotels and restaurants. Having inspected restaurants and hotels for decades, AAA knows a thing or two about luxury and comfort. Four Diamond hotels and restaurants represent just 3.9 percent of nearly 59,000 AAA Approved and Diamond Rated establishments.

The highest ranked properties (AAA Five Diamond hotels and restaurants) take things to the next level, offering guests pure luxury and sophistication, countless amenities and restaurants that serve leading-edge cuisine in extraordinary surroundings. Only 183 establishments (120 hotels and 63 restaurants) have earned their place on the 2017 Five Diamond Award list. That’s just 0.3 percent of Approved properties.

Explore four standout Diamond Rated properties in the Northeast below, including one of AAA’s Five Diamond hotels.

All manor of treasures in West Orange, New Jersey

The Manor, in West Orange, NJ, has maintained its Four Diamond Rating annually since 1988. It’s the longest streak statewide and among the longest of any Four Diamond restaurant in the U.S., Canada, Mexico or the Caribbean.

The Manor is surrounded by 20 acres of manicured gardens and enjoys the tranquility of an adjacent 400-acre reserve. Guests can enjoy a la carte and buffet dining, and traditions like Sunday brunch and a Manor buffet offering lobster on select evenings.

Jewels of top quality found in Rhode Island

“Newport.”

For a long time, that was the answer you’d get if you asked Rhode Islanders to name their state’s most opulent tourist spot.

In recent years, however, Watch Hill – a village in southern Westerly – has become an increasingly well-known luxury destination. It’s a summer retreat for pop star Taylor Swift and home to Ocean House, the only property in Rhode Island to earn the prestigious AAA Five Diamond rating.

The community’s reputation keeps getting better, too. The Watch Hill Inn, managed by the same company that owns Ocean House, received the AAA Four Diamond Rating for the first time this year.

Originally opened as Narragansett House in 1845, the inn was renovated in 2014. It’s designed for younger families, couples and those seeking contemporary accommodations. Each suite (there are 21 in all) features a full kitchen and access to washing machines and dryers, making it a good bet for longer stays. Watch Hill Inn guests also enjoy use of a putting green and private beach at Ocean House, among other perks.

Where else but a castle for exquisite jewels on Long Island

You don’t need to visit Europe to spend a night in a castle. You don’t even need an airline ticket.

Although Long Island is an unusual place to see a castle, that’s exactly what you can find in Huntington, NY. Oheka Castle Hotel and Estate is the second largest private home in America and is listed on the National Register of Historic Places.

Like all AAA Four Diamond properties, guests can expect a refined and stylish hotel with upscale physical attributes, extensive amenities and high degrees of hospitality, service and attention to detail. Oheka Castle Hotel and Estate cost the equivalent of $158 million in today’s currency when it was built about 100 years ago as the summer home of wealthy financier Otto Hermann Kahn.

Guests can stay in one of 32 luxurious rooms or suites, many of which offer scenic views of the 23-acre estate, which has been featured on screen in movies like “Citizen Kane” and on television including the CBS series “Madam Secretary.”

There’s treasure in the Connecticut hills

If you need a respite from the hustle and bustle of New York City, the Litchfield Hills of northwestern Connecticut are calling. Just a three-hour drive from Manhattan or Boston, the rural, scenic area is a perfect place to unwind.

And, if you’d like to do so in luxury, you’ll find a property unlike any other. Winvian Farm, in Morris, is the only AAA Five Diamond hotel in Connecticut. It’s also home to the state’s only Five Diamond restaurant.

Guests stay in one of 18 individually designed cottages spread among the 113-acre resort. How individual? Accommodations range from a fully restored 1968 helicopter to a treehouse 35 feet in the air. Other options include a golf cottage with carpets that form fairways and putting greens, a music cottage with a patio screened by a giant marimba, and an artist cottage with easels, canvas and paint.

Guests can enjoy farm-to-table menus in the fire-lit, 18th century dining room at the Restaurant at Winvian Farm.

Have you ever stayed in a Four or Five Diamond hotel or dined at a Four or Five Diamond restaurant? Tell us about your experience in the comments below!

For a complete list of Diamond Rated properties throughout the U.S., Canada and the Caribbean, visit AAA.com/Diamonds.

Plan and book your next vacation with AAA.

You may need to be smart to get into college, but what many college students don’t often think about is how much they don’t know about lending, loans and other financial topics – all of which they will become very familiar with soon enough.

Here’s a breakdown of some important lending terms. Share it with the college students and recent grads in your life as a prep course for some of the real-life lessons ahead, or review yourself if you need a refresher.

401k

One of the most frequently used methods of planning for the future, 401k accounts allow workers to set aside some of their income to be used in retirement. The IRS limits how much workers can put away in a given year, though older workers may be able to take advantage of catch-up provisions with higher annual contribution ceilings.

Collateral

Lenders need to recover investments if borrowers stop paying. It’s why banks and financial firms can repossess vehicles and foreclose on homes – collateral on auto loans and mortgages.

Interest

Interest is the cost incurred by borrowing money. When you open a savings account, for example, the borrower (the bank) often pays you (the lender) back with interest on your deposit, based on current lending rates.

Interest is calculated as a percentage of how much has been borrowed. Credit rating is one of the biggest determinants behind an interest rate. These ratings, generated through credit bureau reports, help a lender gauge how likely a borrower is to repay a debt. Borrowers with higher scores often benefit from lower costs compared with current lending rates, though a fantastic credit rating isn’t a silver bullet. Lenders also place significant weight on a borrower’s ability to pay by examining information such as debt-to-income ratio.

A tip for college students: If you take out student loans and request deferred payments, interest may build until you start making payments.

IRA

Individual retirement accounts are a popular way to plan for the future. Funds from a traditional IRA are taxed upon withdrawal while funds from a Roth IRA are taxed prior to deposit, meaning the funds are tax-free upon withdrawal. Both are subject to annual contribution limits.

Minimum Down: Most loans require a down payment. Minimums vary based on the types of loans, though making larger down payments almost always lowers borrowing costs.

Mortgage

Most people who want to buy a home need money to do so. A mortgage is an agreement between a buyer and lender, and a common lending, loans topic. Lenders agree to give buyers the money they need to purchase property, and borrowers, in turn, agree to repay the loan with interest based on current lending rates at the time of closing. If the borrower fails to make timely payments, lenders can recoup their investment by taking ownership of the property.

There is a lot to consider when looking into a mortgage. The U.S. Consumer Financial Protection Bureau recommends weighing the size of the loan, the interest rate, closing costs, the annual percentage rate, the type of interest rate (fixed or adjustable), the loan term and whether the loan has features like pre-payment penalties.

Pre-Payment Penalties

Most loans, including federal student loans, don’t have fees for paying off loans early. But make sure to check before signing the dotted line of you want to have the ability to pre-pay on loans without incurring extra costs.

Return on Investment

Your return on investment is how much you’ll get back compared with how much you’ve invested. Make sure borrowing money is worth it. College students should research post-graduation incomes in their fields to see if their educational investments are worth the costs.

CD

A certificate of deposit is a dependable investment that’s protected by the Federal Deposit Insurance Corp. and provides a set rate of return after a pre-determined period of time. Typically, the longer the investment period, the higher the return. Some investors purchase CDs with different lengths of maturity to keep their funds liquid, a strategy sometimes called laddering. There are often early withdrawal penalties.

Term

Term is an important part of lending. It’s the length of time it takes to repay loans with minimum payments. Longer terms usually mean lower monthly payments, but higher borrowing costs.

And one final tip for college students – you may qualify for federal student loans with income-based repayment options. If so, you may be able to settle a loan by making minimum payments for a period of time regardless of whether you repay everything you borrowed. Learn more about AAA’s student lending services.

Are there any important terms missing from this story? Let us know in the comments. Click here to learn more about AAA Financial Services. 

Colleges and universities are centers of creativity and discovery. That’s why it’s no surprise that many of them house interesting museums highlighting art, history and more. Lucky for us, the Northeast is packed with world-class colleges and universities and their impressive collections.

Here are 10 college museums within a day’s drive. Find maps to these museums, local guides and recommendations with the AAA TripTik Travel Planner, which can also be accessed with the AAA Mobile app.

Colby College Museum of Art, Waterville, Maine: Ski resorts are a big reason for visiting Maine when the weather cools, but the Colby College Museum of Art offers cultural motivation for exploring northern New England. Five wings with 38,000 feet of exhibition space connect guests with parts of the college’s 8,000 works, including pieces by American artists such as Winslow Homer and Georgia O’Keeffe. The collection also includes Greek and Roman antiquities, European art and early Chinese art. It’s open Tuesday through Sunday. Admission is free.

Frances Lehman Loeb Art Center, Poughkeepsie, NY: Vassar College is said to have been the first university nationwide to have an art museum as part of its original plan. A 36,000-square-foot facility showcases a portion of its 19,000 items. See antiquities such as Roman tools, art from the Hudson River School of American painting, photography and European art from the 17th through 20th centuries. The museum is closed Mondays. Admission is free.

Harvard Museum of Natural History, Cambridge, MA: Exhibits at the Harvard Museum of Natural History highlight everything from Asian wildlife specimens to rare minerals and gemstones. And you don’t want to miss the “Glass Flowers” exhibit, featuring hundreds of plant models so realistic it’s hard to believe they’re made of glass. Admission is free for Massachusetts residents with proof of residency Sundays, from 9 a.m. to noon, and Wednesdays, from 3 to 5 p.m., and includes access to the adjacent Peabody Museum of Archaeology and Ethnology. Otherwise, admission is $15 for adults; $10 for children and non-Harvard students with ID.

Mead Art Museum, Amherst, MA: The Mead Art Museum at Amherst College houses works of art and cultural objects spanning about 5,000 years of history. The museum has eight galleries featuring regularly changing exhibitions and a varied collection of African, American, European and Russian art. Admission is free.

Penn Museum, Philadelphia: Penn Museum is a common name for the University of Pennsylvania Museum of Archaeology and Anthropology. It’s the nation’s largest university museum, and exhibits include artifacts from ancient Rome, Greece and Japan. Guests encounter items like the 4,500-year-old jewelry of a Mesopotamian queen, one of the world’s oldest wine vessels and everything in between. Admission is $15 for adults; 10 for college students with IDs and children ages 6-17.

RISD Museum, Providence, RI: The RISD Museum is known as Rhode Island’s leading museum of art and design, and it’s easy to see why. Founded in 1877 as part of the renowned Rhode Island School of Design, it’s home to roughly 100,000 objects including ancient art, Asian art, paintings, photographs, costumes, decorative art and textiles. Visit Thursdays after 5 p.m. or all day Sunday for free admission.

Princeton University Art Museum, Princeton, NJ:  The impressive collection here includes works by Monet, Gauguin and Rembrandt – amassed over 260 years. Check out the Campus Collections for a look at portraits of noteworthy university figures and art commissioned by the school. The museum is located on campus, and admission is free. Stop by for highlight tours every Saturday and Sunday at 2 p.m.

U.S. Naval Academy Museum, Annapolis, MD: The. U.S. Naval Academy is an undergraduate college for future officers of the U.S. Navy and Marine Corps. Should you visit, enjoy a guided tour, and be sure to check out the U.S. Naval Academy Museum in Preble Hall. Historical artifacts combine with multimedia to tell the story of the U.S. Navy and the academy’s part in preparing officers. Admission is free and the museum is open every day except major holidays. A valid government ID, such as a driver’s license or passport, is required for entry.

Williams College Museum of Art, Williamstown, MA: It makes sense that an institution consistently ranked as one of the nation’s best liberal arts schools has a great art museum. Its collection of nearly 14,000 works runs the gamut from ancient Egyptian to international modern and contemporary art. Admission is free. If you visit, budget some time to check out the Sterling and Francine Clark Art Institute, just a five-minute drive away.

Yale Peabody Museum of Natural History, New Haven, CT: A massive brontosaurus skeleton and the opportunity to touch a 100-million-year-old fossil are two highlights of this museum. Guests can also enjoy aboriginal bark paintings, dioramas of North America and southern New England, and pieces of moon rock. Admission is $13 for adults; $6 for children; and free for Yale University students. Stop by the Yale University Art Gallery and the Yale Center for British Art while you’re in town. They’re both free.

Have you been to any of these college museums? Tell us in the comments. 

In the sweltering days of summer, turning on the air conditioner is likely the first thing you do when entering your car. Nothing beats the sweet relief of pushing your face toward the car air conditioner vents as chilled air starts pouring into the cabin. You may even sigh as you temporarily escape an atmosphere so full of humidity you swear you could wear it.

You’ve probably never stopped to think about how car air conditioning works. What’s going on mechanically to get that gloriously cool breeze flowing over your cheeks? Well, it’s actually pretty nifty.

How does car air conditioning work? 

Here’s exactly what happens when you flick the switch to turn your car air conditioner on:

• A compressor pressurizes and compresses a refrigerant (which is now a gas).

• The compressed refrigerant moves to a condenser between your grille and radiator. A fan cools the refrigerant, which leaves the condenser as a liquid.

• After a short visit to a receiver/dryer, which removes moisture from the AC system, the liquid refrigerant passes through an expansion valve or orifice tube, depending on the make and model.

• As it passes through the valve or tube, the refrigerant turns back into a gas, reducing the pressure and dropping its temperature.

• An evaporator removes leftover heat as a blower sends air over the cooled refrigerant into your vehicle. (It’s similar to blowing across an ice cube.)

• The refrigerant returns to the compressor and the process starts over.

What is a refrigerant? 

A refrigerant cools or freezes something. A refrigerant called R12 was the most common type used in air conditioning for cars for decades. The Environmental Protection Agency banned it 20 years ago because of concerns over potential harm to the ozone layer. Its replacement, R134A, is now facing a similar fate. The EPA is calling for it to be phased out in vehicles over the next several years in favor of more environmentally friendly substances.

What does it mean to have the AC system charged? 

Many drivers have their systems charged because of a leak in a seal or line, or in a major component such as the compressor, condenser or evaporator. Some technicians run colored dye through the system to identify potential trouble spots.

What about the stuff at the local automotive parts store for a DIY charge?

AC charge kits are pretty common. Be careful not to overcharge the system by adding too much refrigerant, which can have the same impact as not having enough of the chemical. Be sure to follow the directions that come with each kit.

What’s the difference between the fresh air and recirculation cycles? 

A vehicle’s recirculation cycle uses already refrigerated air from the cabin and runs it through the air conditioning system once more. While this might seem like a way to get even colder air, it’s a good idea to use your fresh air cycle. Doing so can limit the potential for mold buildup in the system.

Need your car air conditioner fixed? Be sure to bring your car to a AAA Approved Auto Repair shop. 

For all things cars, including driver resources, vehicle buying, maintenance and repair and roadside assistance, click here. 

It’s hard to think of a step in the homebuying process more important than the home inspection.

Like figuring out what you can afford and getting preapproved for a mortgage, a home inspection can alert you to any potential issues, saving you from headaches and heartbreak down the road.

Here are answers to some common home inspection questions.

Why is a home inspection so important?

It can be hard to spot many issues during an open house or a showing. Some problems – like radon gas – are invisible. Even if you did have an extended period of time to look through a house, it’s unlikely you could match the experience of a professional home inspector. Getting a home inspected before you close your mortgage can help you identify problems that may alter your interest in a property.

How do I pick an inspector?

The U.S. Department of Housing and Urban Development recommends asking 10 questions before choosing a home inspector, including what the inspection covers, how many inspections he or she has completed and if the inspector has experience with residential properties. Click here for the complete list.

My inspector found a problem. Can I ask the seller to fix it?

Navigating post-inspection negotiations is one reason buyers hire real estate agents. Agents – on your behalf – can ask sellers to address issues or offer credits to fix some issues after closing.

Is there anything an inspector won’t check?

Most home inspectors will look for and identify visual pest and septic issues but will normally recommend further inspection by a qualified expert in those fields if there is evidence of a bigger potential problem.

What kind of problem is so great that I shouldn’t buy a home?

Safety concerns should be at the top of your list. High levels of radon, for example, can contribute to lung cancer, according to the American Cancer Society. If a home has high radon levels and the seller refuses to remediate the issue, you should consider walking away if you aren’t prepared for additional expenses and risk.

Can I finance repairs for the home if the seller won’t make them?

Yes. The Fannie Mae HomeStyle Renovation program is one option, especially for buyers looking to address common issues like roof repairs or heating system upgrades.

Problems You Can Spot Yourself

Hiring a home inspector is almost always a good investment when buying a home. That said, there are a few things an average Joe can look for that may spell trouble.

Look Before You Leak

Warped or missing roof shingles can be a bad sign. A leaky roof can lead to big problems and costly repairs.

You Smell That?

Noxious odors are never a good thing. Take a whiff in each room, especially the basement, to see if anything catches your nose. A musty smell in the cellar may indicate water issues. Be wary of suspiciously placed fans, which may be masking unwanted aromas.

Water, Water, Everywhere

Water damage inside walls can be hard to see, but you can spot signs of damage if you look closely. Bring discolored or warped drop ceiling tiles or floorboards to your inspector’s attention.

All Cracked Up

Take a good look at the ceiling in every room and take note of any cracks. They could be serious structural issues – or just harmless cosmetic imperfections. Either way, it’s worth passing along to your home inspector.

Loosey-Goosey

Loose handrails and cracked steps aren’t just safety concerns – they can be liabilities. Take a good look at every step inside and outside the house. Use the handrails as you go to see if they wobble.

Finding a safe, sturdy home doesn’t mean much if you can’t pay for it. Learn how AAA can help you to make the mortgage process as easy as possible. 

What do you look for in a home during an open house, a showing or an inspection? Let us know in the comments. Your approach could help others!

Boston is a great place for day trips. The city is loaded with great restaurants and memorable attractions.

If you’re looking to get away from the city, however, there are also plenty of options for day trips from Boston.

A variety of amusement parks, museums and historic sites are within just a few hours of the city, offering something to pique just about anyone’s interest.

Note: Due to the ever-changing nature of the COVID-19 pandemic, please see official websites before visiting to check for restrictions or closures.

Looking for a place to stay in Boston? Find and book a hotel with AAA. 

Historic Sites

The Breakers
44 Ochre Point Ave., Newport, R.I.
Time from Boston: About two hours, without traffic

Newport is one of the most popular day trips from Boston, and the Breakers is one of the city’s popular mansions offering visitors trips to the Gilded Age. The 70-room Italian-inspired structure was built in the late 19th century. While you’re in town, check out the city’s other mansions including Marble House, the Elms and Rosecliff.

FIND & BOOK A HOTEL IN NEWPORT, R.I. 

Hancock Shaker Village
1843 West Housatonic St., Pittsfield, Mass.
Time from Boston: About two and a half hours, without traffic

The Shakers were a religious group that flourished in the mid 19th century. The Hancock community was one of several nationwide. Today, the 750-acre village is a living history museum with 20 buildings and costumed interpreters that connect visitors with the story of the Shakers. Check out farm and garden tours, musical performances and laundry demonstrations which make this village one of the most unique day trips from Boston.

The House of the Seven Gables
115 Derby St., Salem, Mass.
Time from Boston: About 40 minutes, without traffic

Also known as the Turner-Ingersoll Mansion, The House of the Seven Gables is the oldest wooden mansion in New England. It was built in 1668 and visitors can explore it via guided tour. You can also check out Nathaniel Hawthorne’s birthplace and a few seaside gardens overlooking Salem Harbor. Visit the Peabody Essex Museum while you’re on your day trip from Boston. It’s the country’s oldest continuously operated museum. Its collection spans American art and architecture, maritime art and Asian art, among other pieces, in addition to hands-on activities and performance spaces. This is definitely a must for day trips from Boston.

Old Sturbridge Village
1 Old Sturbridge Village Road, Sturbridge, Mass.
Time from Boston: About one hour and 15 minutes, without traffic

Old Sturbridge Village recreates early 19th-century life with more than 40 historic building spanning about 200 acres. See a sawmill in action, take a horse-drawn stagecoach ride and enjoy milking and musket firing demonstrations.

Plimoth Plantation
137 Warren Ave., Plymouth, Mass.
Time from Boston: About 50 minutes, without traffic

Plimoth Plantation is a living history museum that tells the stories of 17th century English settlers and members of the Wampanoag tribe. See a reproduced gristmill, a Native American village and a craft center. The Mayflower II, a full-scale reproduction of the famous ship, has long been a popular exhibit at the museum; it’s currently undergoing a full restoration.

Strawbery Banke Museum
14 Hancock St., Portsmouth, N.H.
Time from Boston: About an hour and five minutes, without traffic

Strawberry Banke Museum has more than three dozen historic structures and several gardens that showcase life from the mid-17th through mid-20th centuries. Costumed interpreters representing shop owners, gardeners and immigrants help visitors immerse themselves in the experience.

Amusement and water parks

Six Flags New England
1623 Main St., Agawam, Mass.
Time from Boston: About one hour, 45 minutes, without traffic

The coaster capital of New England is always adding new attractions and always a good option for day trips from Boston. In 2017, the park introduced The Joker, a 4-D free fly coaster with two beyond-vertical drops. It complements some of the park’s long-popular thrill rides, like the heart-pumping Superman: The Ride or the Mind Eraser. In the summer, cool off with slides, pools and kids’ play areas at Hurricane Harbor Water Park, and, in the fall, stop by for spooktacular fun during Fright Fest. Save up to 35% on tickets. 

Canobie Lake Park
85 North Policy Street, Salem, N.H.
Time from Boston: 45 minutes, without traffic

Canobie Lake Park is home to more than 85 rides, attractions and live shows, making it one of the more interactive day trips from Boston. Enjoy carnival and arcade games like the ring toss, then try puzzle rooms introduced in 2017.

CoCo Key Water Park
50 Ferncroft Road, Danvers, Mass.
Time from Boston: 45 minutes, without traffic

Don’t let the chance of rain ruin your day at the water park. Instead, head to CoCo Key. The indoor water park is geared toward visitors ages 2 to 12 with attractions like an adventure river and body and raft slides. Guests can choose day passes or opt for overnight packages. This unique getaway is definitely one of the ideal day trips from Boston.

Edaville USA
5 Pine Street, Carver, Mass.
Time from Boston: One hour, without traffic

Edaville USA is a lot more than the fabulous holiday train ride that earned it notoriety. The park has a variety of rides for young visitors, and character visits on select dates. Its latest claim to fame is Thomas Land, an 11-and-a-half-acre area with Thomas & Friends themed attractions. Be sure to check out Dino Land as well, a walking trail with nearly two dozen life-size animatronic dinosaurs. This amusement park is definitely worth being one of your day trips from Boston.

Lake Compounce
186 Enterprise Drive, Bristol, Conn.
Time from Boston: Two hours, without traffic

Lake Compounce celebrated its 172nd season in 2018. This classic day-trip amusement park combines traditional attractions like bumper cars and a carousel with roller coasters and a free fall. Crocodile Cove has several water attractions perfect for a hot day, including a wave pool, a lazy river and a play area. If you’re looking for day trips from Boston filled with typical attractions and water fun, consider Lake Compounce!

Santa’s Village
528 Presidential Highway, Jefferson, N.H.
Time from Boston: About three hours, without traffic

Santa’s Village has an obvious holiday tilt, but don’t let that discourage you from making it one of your day trips from Boston in summer or fall. Enjoy family friendly rides, shows and, in the summer, the HoHoH20 Water Park with slides and a splash pad. Feed some of Santa’s reindeer and meet the big guy himself.

Story Land
850 NH-16, Glen, N.H.
Time from Boston: About three hours, without traffic

Located in the scenic White Mountains, Story Land is a bucket list destination for families with young children and great for day trips from Boston. Rides geared toward kids between the ages of 2 and 12 complement fun shows, games and character visits. Cinderella, for example, celebrates every day at the park with an appearance before closing.

Museums

The Clark
225 South St., Williamstown, Mass.
Time from Boston: About three hours, without traffic

Not far from Massachusetts’ borders with Vermont and New York, the Clark offers guests a look at beauty through art and nature, a unique offering among day trips from Boston. Its collection includes European and American paintings, sculptures, photographs and other items from the Renaissance to the early 20th century. Visitors can also enjoy about 140 acres of manicured lawns and nature trails highlighting the scenic Berkshires.

Discovery Museum
177 Main St. (Route 27), Acton, Mass.
Time from Boston: About 45 minutes, without traffic

Create colored shadows in the Light & Color Gallery, perform a shadow puppet show by lanternlight in the Backyard at Night exhibit, explore acres of forest and much more! This museum invites little kids, big kids and adults of all abilities to come and have fun, all while learning about STEAM (science, technology, engineering, art and math) concepts. Plus, get $2 off admission.

Heritage Museums and Gardens
67 Grove St., Sandwich, Mass.
Time from Boston: About one hour and five minutes

Heritage Museums and Gardens combines the best of a few worlds. Guests can walk amid beautiful gardens displaying flowers, trees and shrubs, check out American folk art, ride a vintage carousel and get up close with antique American automobiles. Stop by Hidden Hollow, a play area for children, or explore the treetops with the Adventure Park at Heritage. This location definitely deserves a spot as one of the most worthwhile day trips from Boston.

Massachusetts Museum of Contemporary Art
1040 Mass MoCA Way, North Adams, Mass.
Time from Boston: About two hours and 45 minutes, without traffic

You’ve never visited a place like Mass MoCA, one of the best day trips from Boston. The enormous facility, which consists of more than two dozen, 19th-century factories spread among 16 acres, houses a wide, ever-changing variety of contemporary art. In 2017, the museum celebrated completion of a renovation project that added 130,000 square feet of renovated space.

Mount Washington Observatory
2779 White Mountain Highway, North Conway, N.H.
Time from Boston: About three hours, without traffic

This might be a bit one of the longest day trips from Boston, but it’s worth an overnight stay. Mount Washington is the highest peak in the Northeast, and it’s home to some of the world’s wildest weather. Learn about it at Extreme Mount Washington, an educational, hands-on exhibit in a mountaintop visitor center. You can reach the summit by foot (if you’re up for it), by car or the Mount Washington Cog Railway.

FIND & BOOK A HOTEL IN NORTH CONWAY, N.H. 

Mystic Seaport
75 Greenmanville Ave., Mystic, Conn.
Time from Boston: About two hours, without traffic

Mystic Seaport is a maritime museum dedicated to highlighting America’s seafaring history. It spans 19 acres and, along with a shipyard and a recreated village, it includes the oldest commercial ship in existence, one of more than 500 historic vessels among the museum’s 2 million artifacts. Mystic Aquarium is just a short walk away, making this one of the most worthwhile day trips from Boston. Learn how you can save on aquarium tickets purchased in advance online or a AAA branch location. 

FIND & BOOK A HOTEL IN MYSTIC, CONN. 

New Bedford Whaling Museum
18 Johnny Cake Hill, New Bedford, Mass.
Time from Boston: About one hour and 10 minutes, without traffic

“Moby Dick” may not exist were it not for Herman Melville’s time in New Bedford. The fact you can visit New Bedford Whaling National Historical Park should illustrate how integral whaling is to the city’s history. The museum is part of the park and it’s dedicated to telling the story of mankind’s interaction with whales. If you make this one of your day trips from Boston, you’ll be able to check out whale skeletons, a scrimshaw collection and much more.

RISD Museum
20 North Main St., Providence, R.I.
Time from Boston: About one hour, without traffic

It’s no surprise that one of the nation’s best design schools has an awesome museum. The RISD Museum houses about 100,000 objects ranging from ancient art to textiles to decorative arts to prints, drawings and photographs. Make this one of your day trips from Boston and you’ll have an artful good time! Admission is free on Sundays and from 5 to 9 p.m. the third Thursday of every month.

FIND & BOOK A HOTEL IN PROVIDENCE, R.I. 

What are your favorite day trips from Boston? Tell us in the comments.

This post was published in 2017 and has been updated. 

For a lot of drivers, picking sides in the manual vs. automatic transmission debate is an easy call.

The domestic auto market has skewed heavily toward automatic transmissions in recent decades. Many drivers prefer the ease of driving vehicles with automatic transmissions, and the fuel economy ratings of automatic transmissions have caught up with those of manual transmission vehicles.

But there are those who still enjoy the experience of driving a standard. It’s why so many high-end sports cars come with a stick.

“It’s just more fun to drive standard. To make a perfect shift without missing a step, it’s Zen-like,” said John Paul, AAA Northeast’s Car Doctor.

Here’s a look at manual vs. automatic transmissions.

What’s a transmission?

Both manual and automatic transmissions connect a vehicle’s wheels with power generated in the engine. A transmission houses several gears in a gearbox. These gears leverage engine power based on need. Whether it’s driving uphill at low speed or on flat terrain at high speed, a transmission uses a gear configuration to maintain a safe, functional engine speed.

It’s the same principal as any multi-geared bicycle.

What do you mean by engine speed?

Engine speed is judged by revolutions per minute. It refers to the rate at which the engine crankshaft is moving. You can track RPM by looking at the tachometer. It’s the gauge on a vehicle’s dashboard that isn’t the speedometer. Take the number the needle indicates and multiply it by 1,000 to get an idea of how hard your engine is working.

Are certain RPM better than others?

Yes. There is a reason the top numbers of rpm gauges are highlighted in red. Operating an engine at such speeds – sometimes referred to as redline speeds – for extended periods of time is dangerous, and can lead to engine failure. The ideal operating range for most engines is about 2,000 to 3,500 RPM, or somewhere above two and below four on your gauge.

What does this have to do with transmissions?

A transmission maximizes your vehicle’s performance without forcing your engine to operate at unnecessarily high rpms.

Does my car have an automatic transmission?

Does your vehicle have a clutch pedal to the left of the brake?

No.

Then yes, you have an automatic transmission.

And what exactly does that mean?

Drivers don’t shift the vehicle’s gears. It’s done automatically through a (very) complex process. For introductory purposes – this is Car 101, after all – automatic transmissions are controlled primarily through hydraulic pressure and, in most vehicle models 10 years old or younger, a computer.

What’s a manual transmission?

Manual transmissions require drivers to shift gears with a clutch pedal and shifter. As a vehicle’s rpm rise, drivers facilitate a gear switch by stepping off the gas pedal, pressing down on the clutch and shifting one gear up or down before reapplying the accelerator and simultaneously disengaging the clutch.

Sounds complicated.

It’s not so bad once you get used to it, though convenience is one of the biggest reasons automatic transmissions have come to dominate the domestic auto market.

Is it as complicated to explain as automatic transmissions?

It’s simpler. Here’s a quick explanation.

A vehicle with a manual transmission has a flywheel connected to its crankshaft. It also has a clutch disc, which rotates with the flywheel when pressed against it.

The clutch disk is connected to the transmission’s gearbox through a gearbox shaft.

When the flywheel and clutch disk are connected, spinning together, the gearbox shaft does so as well.

When the clutch is pressed, however, a pressure disc disengages the gearbox shaft from the flywheel and clutch disc, cutting off the flow of energy from the engine to the transmission.

This temporary disengagement allows drivers to change gears using the shifter.
Once the clutch is disengaged, the pressure disc allows the gearbox shaft to reconnect with the clutch disk, but energy must be ready to turn the mechanism, which is why you must simultaneously reengage the accelerator when disengaging the clutch.

Are there any types of vehicles that are more likely to have a manual vs. automatic transmission?

High-end sports cars are where you’ll most likely find manual transmissions these days, though they remain quite popular across makes and models in Europe. If you’re traveling abroad and plan to rent a car, it’s a good idea to find out before you travel if your vehicle is a standard.

I know someone who had to get his vehicle’s clutch replaced. Is that rare?

Nope. It’s common, and something about the manual vs. automatic transmission debate worth noting. A clutch is a wear and tear item and its life depends on how a driver treats it. Someone who regularly brakes hard will wear down a brake pad more quickly than someone who gently applies the brakes. Someone who is constantly missing gears while shifting will likely need a clutch replacement at some point in a vehicle’s life while more experienced drivers who operate smoothly may never need a replacement.

My vehicle has a shifter but I don’t have to use it.

You’re talking about a direct shift gearbox, also known as a DSG transmission or, in some cases, a manumatic, and another part of the manual vs. automatic transmission discussion. In place of a clutch pedal, vehicles with such DSG transmission use an electronically controlled dual clutch.

By dual clutch, you mean two clutches?

Yep. Dual clutches have two clutches that are activated based on whether you’re in an even- or odd-numbered gear.

Why would I use a shifter if I don’t have to?

Some drivers prefer DSG because it enables quicker shifting. Drivers looking to maximize fuel long held manual transmissions in high regard. In recent years, however, fuel economy ranges have moved closer.

So there’s manual, standard and DSG transmissions. Anything else?

Yes. Continuously variable transmissions, or CVT. These are automatic transmissions that use belts and pulleys. They’re popular in Nissans, and increasingly popular in Subarus. The idea of CVT is that there is an infinite number of positions that can be leveraged to ensure ongoing performance while limiting engine stress.

What does transmission fluid do?

In an automatic transmission, transmission fluid is used for lubrication and generating hydraulic pressure that helps signal when it’s time for a gear change. In CVT and manual transmissions, fluid is primarily used for lubrication.

Do I need to get my transmission fluid replaced?

Like any fluid, you should follow your owner’s manual suggestion on the best time to get your fluid replaced.

I’ve heard transmission work can be expensive.

It’s true. No matter manual or automatic transmission, transmissions can be hard to reach and the systems contain many parts. It’s not unusual to see transmission repairs costing $1,500 or more, depending on the issue.

Any other questions about the difference between manual and automatic transmissions? Let us know in the comments.

Learn more about AAA’s automotive services. 

Great scenery is one ingredient of an awesome motorcycle run, but it’s far from the only consideration to weigh before hitting the highway.

How the route lends itself to all that’s great about motorcycle touring – from the pavement’s twists and turns to the chance to feel nature envelop you – is equally important.

These four motorcycle routes all offer great foliage along roads that seem made for the ride itself.

Blue Ridge Parkway, North Carolina, Virginia

The Blue Ridge Parkway deserves a place on every motorcycle rider’s bucket list. The famed 469-mile route links Shenandoah National Park in Virginia with Great Smoky Mountains National Park in North Carolina. A 45 mph speed limit (25 mph in some congested areas) makes it impossible to miss stellar scenery while winding roads ensure an enjoyable ride. The parkway is lined with attractions to help break up a trip among two or three days. Consider Grandfather Mountain, in North Carolina, where a 2-mile curvaceous trip leads to sweeping summit views.

Cabot Trail, Cape Breton Island, Nova Scotia, Canada

Cabot Trail is sometimes referred to as one of the most scenic motorcycle routes in the world. The 185-mile loop runs along the northern half of the island and includes stretches through Cape Breton Highlands National Park. The area explodes with color in the fall, a palette that perfectly complements a curving route that occasionally skirts cliffs along the Atlantic Ocean.

Kancamagus Scenic Byway, New Hampshire

Leaf peepers have long appreciated the hotbed of foliage activity that seizes the White Mountains each fall. It’s hard to miss the red, orange and yellow hues, no matter where you travel, though no trip is complete without a blast down the “Kanc.” This 34.5-mile section of Route 112, through White Mountain National Forest, approaches an elevation of nearly 3,000 feet and is loaded with fabulous New England scenery. Riders will especially appreciate this as a motorcycle route for its regular twists and turns.

Tail of the Dragon, Tennessee

Research the country’s best motorcycle routes and you’ll come across Tail of the Dragon. Its claim to fame is an intense network of 318 curves spanning 11 miles along Route 129. The challenge starts at Deals Gap, near the North Carolina-Tennessee border, though some riders start runs farther south by Cheoah Dam, a site made famous by actor Harrison Ford in “The Fugitive.” Though it’s a thrilling ride, the serpentine structure doesn’t lend itself to sightseeing. If that’s what you’re after, or you want to celebrate the safe completion of your ride with a more relaxed route, consider Cherohala Skyway. The national scenic byway runs 43 miles along 4,000- and 5,000-foot-plus peaks connecting Robbinsville, N.C., with Tellico Plains, Tenn.

Make sure you’re covered this fall! AAA Premier and Plus members can sign up for motorcycle roadside assistance, and all riders can call AAA to make sure they’re getting a good price on motorcycle insurance. Learn more. 

A AAA Northeast member in Rhode Island received some unwelcome news. Someone was using her name to file online loan applications with several banks in the Midwest.

After asking herself how such a thing could happen, she faced the question identity theft victims know all too well: What do I do now?

Experian was there with the answer.

As a AAA member, she had the advantage of a free identity theft protection plan from Experian, simply by signing up.

Experian alerted her to the phony applications by email, and, within an hour, a fraud resolution specialist was on the phone talking her through the next steps, like contacting the police and credit bureaus.

“I was a nervous wreck,” she said. “But Experian put me at ease. All AAA members need to know about this service.”

It’s called ProtectMyID Essential. Members who sign up get identity protection services from Experian, including daily credit report monitoring, suspicious activity alerts, resolution support and more.

Programs like ProtectMyID and preventive measures like shredding old bills are good practices to keep personal information secure, said one financial crimes investigator.

“I recommend having all the protection you can,” said Detective Paul Bessette, of the Cranston, R.I., Police Department. He didn’t handle this member’s case, but he’s dealt with many like it. And they’re becoming more frequent.

Every 2 seconds there is an identity victim, according to a 2019 Identity Fraud Study by Javelin Strategy & Research.

Bessette said that paying bills online has dramatically increased opportunities for hackers to swipe debit or credit card numbers. Also, while large-scale data breaches have compromised millions of Social Security numbers and other personal information, credit card skimmers at ATMs and stolen purses and wallets remain real threats.

Has Experian helped you following identity theft? Leave a comment to let us know about your experience. 

Learn more about how ProtectMyID can help keep your identity safe. 

It goes without saying that a lot has changed over the last few years, including the appetite to travel. Now more than ever, people around the world are looking at travel as an essential investment – and many Americans are hitting the road for their getaways.

As you plan your next road trip, here are Best Western® Hotels & Resorts’ top 10 travel tips to help you make the most of your well-deserved vacation.

Take advantage of AAA rates.

Savings on hotel stays is one of the top benefits consistently noted by AAA members, who can save up to 15% at Best Western® Hotels & Resorts when booking online or through a AAA Travel Advisor.

AAA members are also offered special promotions. This summer, AAA members who stay two nights with Best Western now through September 4 will receive a free night for future fall/winter travel. Advance registration is required on AAA.com/BestWestern.

Consider your travel companions.

If you’re heading out with your family, consider having shorter drive days, making frequent stops and ending your day in the late afternoon rather than in the evening. Choose hotels that will be a welcome destination at the end of the day. Consider family-friendly brands that offer pools, hot tubs or water slides. With a shorter drive day, you can arrive with time to relax and enjoy the hotel amenities.

Do any research ahead of time.

Have you ever arrived at your destination after a long day of driving only to spend hours looking up restaurant and attractions? Researching these things before you hit the road will save you a great deal of time, stress and frustration. The more you know, the smoother the ride!

Be aware some things have changed.

The pandemic changed how businesses – especially those in the travel landscape – offer some of their services. While some of these changes were temporary, some look like they’re here to stay. For example, daily housekeeping services at many hotels may not be standard and may be by request only. While housekeeping staff may not be permitted to enter your room for daily standard service, think about requesting additional linens or garbage pickup when needed.

Enjoy the journey – not just the destination!

The magic in road trips is often found in the memories made along the way. Consider stopping at scenic lookouts, family-friendly attractions or a new place to eat. Sometimes it’s the smallest moments that make the biggest memories.

And don’t undervalue the importance of rest. Stop at a rest stop and give yourself time to stretch your legs, close your eyes and take any necessary breaks. It’s a good idea to stop every two or three hours when driving for an extended time.

Disconnect. Don’t text and drive.

Few things are as dangerous as texting and driving. Every day, distracted drivers kill an average of nine people and injure more than 3,000 people in the United States, according to the National Highway Traffic Safety Administration.

Put your phone down and consider using the “do not disturb” feature when you’re behind the wheel.

Leverage loyalty programs for added value.

Many attractions, restaurants, gas stations and hotels offer loyalty programs. Find the programs that are right for you and make sure your loyalty pays off. Consider planning hotel stays and other stops along your route with just one brand so that by the end of your trip you’ll have enough points for an excellent reward!

The AAA Preferred^SM Best Western Rewards^® program offers an upgrade to Gold member status and bonus points that never expire and can be redeemed for free nights and more.

Don’t forget the snacks and cooler … and masks and sanitizer.

Stock up on everyone’s favorite snacks and drinks for an easy way to stick to any budget and time restraints. Consider a mix of both healthy snacks – like fruits and veggies – as well as special treats and sweets – like cookies and chips. It is a vacation after all! And as you travel outside your local area, protocols may be different from what you’re accustomed to. While many businesses have lifted mask requirements, remember to bring COVID-related items in case they’re needed to keep your family safe and healthy.

Remember that a great day always starts with a great breakfast.

Did you know that breakfast is the meal people skip most? Don’t miss a good start, particularly when preparing for a day of driving with the kids. Look for hotels that offer breakfast –either complimentary continental, hot or from an on-site restaurant. If you’re planning an early departure, many hotels offer a grab-and-go option.

Bring your dog along for the ride!

With the prevalence of road trip travel this spring and summer, rest assured you can take your four-legged friend along, with many hotels offering pet-friendly rooms. Consider bringing along your pet’s bed, a favorite toy or a special blanket so they feel right at home.

Visit AAA.com/BestWestern to book your next stay.

The Northeast has no shortage of popular, and dare we say iconic, warm-weather vacation destinations. Between miles of pristine beaches, waterfront restaurants and hotels, and more activities than can fit in any itinerary, our coastal region effortlessly attracts visitors during the summer. But that popularity also means crowds and high prices.

That’s why you should consider visiting these favorite summer spots during the offseason. While you may not get to lounge at the beach, many of the same features and qualities that make people flock to these vacation spots come Memorial Day are still there to be enjoyed during the winter. Plus, you’ll be able to stretch your legs a little more freely and, best of all, keep some of your hard-earned money in your pocket thanks to reduced offseason rates.

Here are five Northeast destinations worth traveling to during the offseason.

Nantucket, Mass.

Who says island getaways are strictly summer destinations? Nantucket may be one of the quintessential warm-weather vacation spots in the Northeast, but visiting during the offseason will make you feel like you have the tiny island all to yourself.

Located off the coast of Cape Cod, Nantucket’s ferry services continue to run throughout the winter, albeit on an abbreviated schedule. Once on shore, you’ll be free to explore the 100-square-mile haven without the crowds. Your itinerary might include a picturesque stroll along the Sconset Bluff Walk, an educational trip to the famous Whaling Museum or icing skating at the indoor Nantucket Ice rink.

Montauk, N.Y.

Come Memorial Day, people near and far flock to Long Island’s south fork and many don’t stop until they get to the end – and for good reason. With ample amounts of surf, sand and sun, Montauk has summer written all over it.

But much of the fun to be had at this seaside town is still available long after the crowds dissipate. If you’re keen on sightseeing, visit the Montauk Point Lighthouse, the oldest such structure in New York state, or try to get a glimpse of seals from Montauk Point State Park.

Satiate your appetite with a bite from a wide range of eateries such as Joni’s Kitchen, Scarpetta, the Shagwong Tavern, TT’s, and Harvest on Fort Pond. Then wash it all down with an offering from Montauk Brewing Company’s tap room. When it comes time to rest your head, you’ll find a number of upscale hotels rooms available for a fraction of their summer prices.

Cape May, N.J.

The seaside towns lining the Jersey shore are a magnet for summer vacationers, including the historic city of Cape May. Located on the southernmost tip of New Jersey, Cape May is one of the country’s oldest summer resort destinations. But many of its best attractions are still available when the temperature dips.

Cape May is home to a national wildlife refuge, supporting hundreds of bird, mammal, reptile and amphibian species. Visitors can travel along one of four hiking trails to get a closeup view of these incredible animals. More wildlife can be spotted at the Cape May Bird Observatory or Cape May County Park & Zoo. For a different type of sightseeing, simply stroll around the city on foot. Cape May is listed as a National Historic Landmark thanks to the more than 600 Victorian-era structures that line its streets.

If you want to indulge in the finer things in life, you have come to the right place. The area is teeming with restaurants, wineries and breweries, and for when you really want to treat yourself, luxurious spas.

Newport, R.I.

As enjoyable as Newport is during the warmer months, the best time to visit may just be the year’s final month. Throughout December, the coastal city holds its annual “Christmas in Newport” festival. The month is filled with all sorts of holiday events, from a holiday light display at the International Tennis Hall of Fame to a performance of the Nutcracker at the famous Rosecliff Mansion.

Even if you’re not in the holiday spirit, you can still enjoy seasonal activities. Try ice skating at Newport Harbor Island Resort, which turns its lawn into an ice skating rink every year. There are numerous walking and hiking trails if you’d like to take in some fresh air and postcard-worthy sights. When the cold becomes a bit too cold, enjoy a meal inside a pop-up igloo at the waterfront Reef restaurant or the aforementioned Harbor Island Resort.

Connecticut Coast

Connecticut’s coastline may not get as much attention as the Hamptons or Cape Cod, but you’ll be hard-pressed to find a waterfront region in the Northeast that more perfectly combines history, charm and eye-catching scenery. And all of these features are still on full display during the offseason.

The Constitution State’s nearly 300 miles of shoreline are dotted with quaint historic towns, including Mystic, Milford, Old Saybrook and Guilford, to name a few. Here, you can step back in time with visits to the Mystic Seaport Museum, General William Hart House and Henry Whitfield State Museum. Art and nature lovers can catch an exhibit at the Florence Griswold Museum in Old Lyme or simply explore the site’s garden and grounds.

When it comes time to relax, grab a seat by the fireplace at one of the area’s countless bed-and-breakfasts. For slightly more luxurious accommodations, try the Saybrook Point Resort & Marina. The boutique hotel sits between the Connecticut River and Long Island Sound, and provides private balconies to enjoy the waterfront views.

Need a ride to one of these offseason destinations? AAA members can save up to 20% on Hertz rentals.

With their attractive blend of cutting-edge design, advanced technology and energy efficiency, electric vehicles are taking center stage in more auto showrooms nationwide. And now, the new 2023 AAA Car Guide is here to help consumers navigate this evolving automotive marketplace by ranking and rating the newest vehicles, including EVs. The Guide provides consumers with reviews, based on testing by AAA Engineers, highlighting how many advanced driver assistance systems (ADAS) are included in the vehicle, along with other criteria and information. 

Announced at the New York International Auto Show, the 2022 BMW iX xDrive50 earned the overall top score for the 2023 edition of the AAA Car Guide. All but one of the category winners for 2023 is electric – the gasoline-powered Kia Carnival SX took the minivan category. Meanwhile, tiny Rivian Automotive placed two models in the top five – the R1T Adventure pickup and the R1S Launch Edition SUV. 

Last year was notable for soaring gas prices, with the national average for a gallon of gas hitting a record $5.01 in June. Consumers responded by purchasing more than 760,000 EVs, a 65% increase from 2021. Of the 71 vehicles reviewed for the 2023 AAA Car Guide, 19 are pure electric. 

The 2023 AAA Car Guide includes comprehensive reviews of each vehicle based on 13 criteria, including the number of ADAS safety features, fuel efficiency, emissions, braking, handling, ride quality and acceleration. These vehicles are tested, scored and placed in one of six vehicle type categories by the Automotive Research Center of the Automobile Club of Southern California, a member of the AAA federation of motor clubs.  Additionally, there are three categories based on price. 

“EV sales gain more traction each year, but we know that consumers still have a lot of questions about them, such as battery life and ease of charging,” said AAA’s Megan McKernan, manager of the Automotive Research Center. “That’s where the AAA Car Guide comes in handy. It’s an easy-to-understand resource that takes some of the stress and guesswork out of car-shopping by providing the vital information consumers need to make the right choice.” 

For those in the market for newer used vehicles, the online AAA Car Guide website also contains links to the two prior editions in 2022 and 2021. 

AAA Car Guide Winners By Category

Each of the 2023 AAA Car Guide winners has numerous ADAS safety features and achieves high fuel efficiency. The highest scoring ranked by category are: 

Category	Vehicle
Overall	2022 BMW iX xDrive50 (electric)
Small	2022 Chevrolet Bolt EV 2LT (electric)
Midsize	2022 BMW i4 M50 (electric)
Large	2022 Mercedes-Benz EQS 580 4MATIC Sedan (electric)
Pickup	2022 Rivian R1T Adventure (electric)
SUV	2022 BMW iX xDrive50 (electric)
Minivan	2022 Kia Carnival SX (gasoline)
Best Under $35K	2023 Toyota Camry Hybrid SE Nightshade (hybrid)
Best $35K – $50K	2022 Kia Carnival SX (gasoline)
Best Over $50K	2022 BMW iX xDrive50 (electric)

You’ll find these vehicles and more on display at the New York International Auto Show, taking place April 7-16. Get discounted tickets here!

Visit AAA’s Electric Vehicle platform for more information on these cars of the future.

Home security is an essential aspect of maintaining a safe and secure environment for you and your family. While there is no foolproof way to ensure complete security, there are several measures that homeowners can take to protect their property and deter intruders.

It can happen to anyone.

First and foremost, homeowners need to understand that burglaries and home invasions can happen to anyone, regardless of where they live or the perceived safety of their neighborhood. This means that it’s crucial to take proactive steps to secure your home, including installing sturdy locks on all doors and windows, using motion-activated lights and security cameras and investing in a reliable alarm system.

Choose the right home security features.

These top-rated DIY security products have you covered.

Ring Alarm Home Security System: Ring is a popular brand that offers a comprehensive home security system that includes door and window sensors, motion detectors and a base station that connects to the cloud. It also offers mobile access and control through a smartphone app.

Nest Cam Indoor Security Camera: Nest offers high-quality indoor security cameras that provide 24/7 live streaming, advanced motion detection and two-way audio. It also has a mobile app that allows users to monitor their home from anywhere.

Arlo Pro 4 Spotlight Security Camera: Arlo’s wireless security cameras feature 2K video quality, advanced night vision and motion detection. It also offers a mobile app that allows users to view live footage and receive alerts on their smartphone.

August Smart Lock Pro: August’s smart lock allows users to control access to their home from anywhere through a mobile app. It also features advanced encryption and tamper-proof technology to ensure maximum security.

Philips Hue Smart Light Bulbs: While not a traditional home security product, Philips Hue’s smart light bulbs can help deter intruders by simulating occupancy while the homeowner is away. It can be controlled through a mobile app and can be integrated with other smart home devices.

Take note of vulnerabilities.

Another important aspect of home security is ensuring that you are aware of any potential weaknesses on your property. This may include overgrown bushes or trees that provide cover for intruders, poorly lit areas or outdated locks that are easy to pick. By identifying and addressing these liabilities, you can significantly reduce the risk of a break-in.

Be aware of how intruders get in.

It’s important to be aware of common tactics that burglars use to gain access to homes. For example, many burglars will pose as salespeople, delivery drivers or even law enforcement officers to gain entry into a home. Always verify the identity of anyone who comes to your door before allowing them inside, and never hesitate to call the police if you feel uncomfortable or suspicious.

Have a plan.

Finally, homeowners should be prepared to take action in the event of a break-in or home invasion. This means having a plan in place for how to respond, such as calling the police and safely exiting the home if necessary. It’s also a good idea to keep emergency supplies on hand, such as a first aid kit, flashlight and cell phone charger.

Home security is a vital aspect of maintaining a safe and secure living environment. By taking proactive measures to secure your property, identifying potential vulnerabilities, being aware of common tactics used by burglars and being prepared to respond in the event of a break-in, you can significantly reduce the risk of becoming a victim of crime. Remember, it’s always better to be safe than sorry when it comes to protecting your home and family.

Tip: Many companies offer homeowners insurance discounts for properties with security systems. Systems that can notify local safety officials usually lead to larger discounts than unmonitored systems that only send text alerts. To speak to a AAA insurance agent or get a quote, visit AAA.com/Insurance.

Itching to go on a vacation but don’t feel like dealing with the hassles of airport, bus or train travel? Time to take a road trip!

From being in charge of your own schedule to seeing sights you wouldn’t see otherwise, driving to your destination has its benefits. But, how much does a road trip cost?

Here are a few tips to keep in mind for calculating overall price and budgeting to help you plan.

Rental cars

It’s definitely worth considering a rental car for your road trip. It can save your personal car from the wear and tear of a long journey, and can be a great chance to test out a new ride. When figuring out the cost of your road trip, the type of vehicle you rent is definitely part of the equation. For instance, a compact sedan will likely cost less than a turbocharged sports car. To get the best deals on your rental, be sure to take advantage of exclusive AAA membership benefits through Hertz.

Hotels

The type of accommodation you choose will also impact road trip cost. You’ll pay significantly more to stay at a luxury property versus a motel or a campground. AAA Diamonds are one way to gauge what a property will cost.

Your Own Wheels

If you’re calculating the expenses of taking a road trip using your own vehicle, you should consider the combined costs of maintenance, insurance, taxes, depreciation and finance costs. AAA has a handy tool to help you calculate the per mile cost of driving your car.

Gasoline

Gasoline prices change on a near daily basis, so it’s wise to make this calculation as close to your departure as possible. Research the cost of gas in the states you’re traveling through to plan the smartest route for fuel ups. The AAA Gas Cost Calculator is a good resource. The AAA Auto Club App also has a feature to find the cheapest gas.

Tolls

It’s hard to come up with a sizable road trip route that doesn’t include a toll. Calculating your expected toll costs can be tricky. There are a few apps to try, and you can research toll costs with states’ transportation departments ahead of time. No matter what you choose, don’t leave home without budgeting for these expenses.

Attractions

Your destination, how long you’ll be there and when you visit can all impact how much your road trip will cost. Disney parks, for example, price single-day tickets based on expected attendance. The busier the park will be, the more you should expect to pay. AAA travel advisors are good folks to talk to for advice on what you can expect to spend on attractions, and how might be able to use your membership to save.

What are your road trip plans this summer? Tell us in the comments. 

Ready to reserve your car? AAA members can save up to 20% on Hertz rentals.

When drivers load an electric pickup with heavy cargo, they make the vehicle work harder, significantly reducing the truck’s range. But by how much? AAA Automotive Engineering researchers recently tested the Ford F-150 Lightning, the electric version of the iconic best-selling American pickup, to determine the impact of payload on the range. When loaded with 1,400 pounds of sandbags, 110 pounds shy of its maximum capacity, the Lightning’s range dropped from 278 miles to 210 miles, a reduction of 24.5%.

“Our testing revealed a significant range reduction, but it’s important to note that the Lightning was loaded to near its maximum capacity,” said Greg Brannon, director of AAA Automotive Engineering. “Most buyers will likely use their Lightning with a lighter load, resulting in a much smaller range reduction.”

It’s also important to remember that the driving range of all vehicles, whether gas-powered or electric, is affected by weight. And as battery technology continues to improve, EV range will likely increase. However, even with current technology, electric vehicles are still more energy-efficient than gas-powered vehicles regarding energy consumption. The Ford Lightning’s range is less than its gas-burning cousin, which may get over 500 miles per tank unloaded. Buyers concerned about EV range should consider the driving they will be doing and choose the right vehicle for their needs. The difference, for now, is that it is easier to gas and go than stop and charge.

In general, heavier payloads will reduce the range of an EV. This is because the extra weight requires more energy to move. The type of driving also plays a role. Highway driving, which typically involves higher speeds and less regenerative braking, will further reduce range. Unlike gas-powered vehicles, which perform more efficiently at highway speeds, EVs thrive in urban driving conditions due to regenerative braking from more frequent stops. Regenerative brakes capture the energy from braking and convert it into the electrical power that charges the vehicle’s high-voltage battery. This electricity can then be stored in the car’s battery or power other electrical components.

In the case of battery electric pickups used as work vehicles, permanent loads (such as equipment racks, toolboxes, and equipment trays built into the vehicle) will reduce the range at all times, even without additional cargo.

Visit AAA’s Electric Vehicle platform for more information on these cars of the future.

A variety of free summer activities are scheduled in Boston and New York City in the next few months, each offering a surefire good time that won’t hurt your wallet. As a matter of fact, there are a lot of options that don’t cost a dime.

Here are a few highlights in each of the Northeast’s two largest cities.

Free Summer Activities in Boston

Boston Harborfest

Billed as one of the country’s largest Fourth of July festivals, Boston Harborfest offers five days of free summer activities, beginning June 30. The long weekend kicks off with opening ceremonies in Downtown Crossing. This year’s schedule has everything from live music and a classic car show to a chowder tasting and historic reenactments, including a costumed interpreter performing a dramatic reading of the Declaration of Independence at the Old State House on Independence Day. While some events do require an entry fee, many of Harborfest’s highlights are free.

Boston Pops Fireworks Spectacular

The Boston Pops will continue the beloved tradition of free music and fireworks at the Hatch Shell on the Charles River Esplanade on July 4, from 8 p.m. to 11 p.m. Get your seat early. The event is massively popular and it’s easy to see why. What other occasion do you have to celebrate the most patriotic day of the year along a scenic river in one of the nation’s most historic cities?

Concerts in the Courtyard, Boston Public Library

Combine an awesome musical performance with a beautiful setting, and you’ve got a memorable event. Boston’s Central Library, in Copley Square, will host free, one-hour concerts Fridays and Wednesday throughout the summer in its courtyard. Jazz, classical and folk are just some of the genres on tap.

Lowell Folk Festival

A bit outside Boston, but worth the trip. The 2023 Lowell Folk Festival takes place from July 28-30 and will feature over 20 performers on stages throughout downtown Lowell. Check out music and food from around the world, crafts and a family fun area with street performers, hands-on activities, face painting and other free summer activities.

Shakespeare on the Common

The Commonwealth Shakespeare Company returns to Boston Common this summer with “Macbeth.” Performances will be held every night at 8 p.m. from July 19 through Aug. 6. Bring a blanket/chairs and snacks.

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Revere Beach International Sand Sculpting Festival

Taking place on Revere Beach from July 28-30, this festival is a perfect summer outing. Come and gawk at incredible and gigantic sculptures made entirely of sand. This year’s theme is “Wonders of the World.”

Payson Park Kiddie Concerts

If you are looking for free summer activities for kids in Boston, Payson Park has children’s concerts on Friday mornings from July 7 – July 28. The kids get to play outside while listening to the stylings of kiddie rockers and children’s entertainers. On rainy days, shows are played at Belmont Public Library.

Free Summer Activities in New York City

Macy’s Fourth of July Fireworks

It wouldn’t be Independence Day in New York without this annual, humongous fireworks show – a highlight of the many free summer activities in New York. More than 3 million people come from far and wide to see the spectacle. Check out the barge map for the best places to view the show.

Nathan’s Famous Fourth of July International Hot Dog Eating Contest

You haven’t seen it all until you’ve witnessed this annual showdown, arguably the best-known event in the world of competitive eating. Crowds gather at the flagship Nathan’s Famous on Coney Island every Independence Day to see who can eat the most hot dogs in 10 minutes. The festivities begin at 10 a.m. with music and dance performances. The women’s competition begins at 11 a.m., followed by the men’s competition at 12:30 p.m. Will 14-time champ Joey Chestnut beat his record of 76 hot dogs and buns?

Free Summer Movies

Battling a tough case of the Mondays? Head over to Bryant Park for Movie Nights on the lawn. 11 screenings will be shown this summer through Aug. 21. The lawn opens at 5 p.m. for picnicking and films begin at 8 p.m.

Movies With a View, at Brooklyn Bridge Park, is another free film option, plus food and music to round out your night. Movies are shown every Thursday evening from July 6 through Aug. 24 on the Pier 1 Harbor View Lawn. Food vendors open and live music starts at 5:00 p.m., the lawn opens at 6:00 p.m. and movies begin at sundown.

Lincoln Center Summer for the City

Lincoln Center is celebrating the return of togetherness in a big way. Enjoy 300+ free events and select choose-what-you-pay performances through Aug. 12. Dance the night away under a 10-foot disco ball, participate in family workshops, enjoy free comedy and jazz, and much more!

SummerStage

Residents and visitors alike will enjoy another season of free concerts around the city thanks to SummerStage. Billed as the city’s largest free outdoor performing arts festival, and a great example of free summer activities in New York, the annual event includes more than 90 free and benefit shows in Central Park and twelve neighborhood parks throughout the five boroughs. Genres performed throughout the summer will include indie rock, hip hop, jazz, R&B, salsa, bhangra and opera in different languages. In addition, poetry and contemporary dance are also scheduled.

The Bronx Zoo

Every Wednesday at the Bronx Zoo is free admission day (advanced timed tickets required). The Bronx Zoo is one of the greatest zoos in America, with an intense focus on conservation and education, and it’s one of the all-time best summer activities for kids in New York. Can’t make it on a Wednesday? Save up to 20%  when you purchase tickets in advance online with AAA.

Recommend your favorite free summer activities in Boston and New York City in the comments below. 

Top photo: Movies on the Bryant Park lawn. (batuhanozdel / Editorial RF / iStock Editorial / Getty Images Plus)

Summer only comes once a year, so it’s time to get your bathing suit on and beat the heat at one of the Northeast’s splashiest water parks.

Splish Splash

Calverton, N.Y.

Head down to Long Island to find the biggest water park in New York. Splish Splash features 96 acres of water attractions, like water slides, two wave pools, a lazy river, children’s play areas and more. Don’t leave without riding New York’s only hydromagnetic coaster, Bootlegger’s Run, which defies gravity and sends rafts uphill!

Hurricane Harbor at Six Flags Great Escape

Lake George, N.Y.

There are a few ways to have some aquatic fun at this Six Flags theme park. Its water area, adjacent to an amusement park full of thrill and family rides, gives visitors plenty to keep busy with an array of water slides and splash areas. Visitors can consider booking a night at nearby Six Flags Great Escape Lodge and Water Park. It has an indoor water park and guests get free tickets to Great Escape and Hurricane Harbor.

Hurricane Harbor at Six Flags New England

Agawam, Mass.

A hot summer day calls for a special type of excitement, and that’s what guests get at Hurricane Harbor, part of Six Flags New England. Several waterslides offer no shortage of thrills, especially Bonzai Pipelines, where riders stand on a trap door that gives way to a 257-foot plummet. More easygoing visitors can float on a 1,000-foot long lazy river. Younger swimmers can spend the day at Splash Island, which has a child-size lazy river and wave pool.

Morey’s Piers and Beachfront Water Parks

Wildwood, N.J.

What’s better than a fun water park? Two of ’em. Morey’s Piers’ six beachfront blocks include Raging Waters Water Park and Ocean Oasis Water Park and Beach Club. Together, the parks offer visitors a wonderful lineup of slides and pools, along with a few kiddie areas. Wildwood is home to 5 miles of beach and a 38-block boardwalk lined with food and amusements.

Lake Compounce

Bristol, Conn.

You don’t become the oldest continuously operated amusement park in the country without giving guests reason to visit. Lake Compounce does that by combining a variety of thrill rides with a great water park. Crocodile Cove’s slides, lazy river, aquatic play area and children’s wave pool provide a great mix of summer fun. 

Funtown Splashtown USA

Saco, Maine

Funtown Splashtown offers guests a mix of amusement park (Funtown) and water rides (Splashtown). The latter houses slides, pools and play areas, such as Pirate’s Paradise Aquaplay, where a 500-gallon bucket drenches kids every two minutes. Race your family and friends on the Amphitrite’s Challenge slide or take it easy in the swimming pool.

Dorney Park and Wildwater Kingdom

Allentown, Pa.

Dorney Park opened Wildwater Kingdom in 1985, and it’s been delighting visitors ever since. The Snake Pit is among the most thrilling attractions. Its six slides include the Constrictor, an enclosed chute with four 360-degree loops, and Python Plummet, where riders enjoy a near vertical fall from roughly 60 feet in the air. There’s a wave pool, a couple of lazy rivers and plenty of spots for children, too.

Camelback Lodge & Aquatopia Indoor Water Park

Tannersville, Pa.

Along with abundant natural beauty, the Pocono Mountains are home to a great water park scene. AAA Three Diamond Great Wolf Lodge, in Scotrun, Split Rock Resort, in Lake Harmony, and Kalahari Resorts and Conventions, in Pocono Manor, all offer guests indoor water parks.

Camelback has its own indoor water park, Aquatopia, which complements an outdoor park of more than three-dozen rides, slides and attractions. Tackle Triple Venom’s three slides to get your heart racing, then ride down Sand Storm with up to three family members or friends.

Sesame Place

Langhorne, Pa.

Here the long-running children’s show “Sesame Street” comes to life in a wonderful way. The park’s attractions are based on the series’ colorful characters, and water rides include an inner tube floating adventure (Big Bird’s Rambling River). The Count’s Splash Castle is full of interactive aquatic toys such as water curtains, hoses and water wheels, while parents and children can enjoy Slimey’s Chutes in two-seater rafts.

Water Country USA

Williamsburg, Va.

Look up a list of the best water parks in the country and you are certain to see a mention of Water Country USA. Thrill-seekers will find plenty to keep their hearts racing, including a 75-foot drop from atop Vanish Point and a weightless moment while flowing down megaslide Colossal Curl. More laid-back guests can check out the 23,000-square-foot Surfer’s Bay Wave Pool or take a relaxing float on the 1,500-foot-long Hubba Hubba Highway, while the youngest splisher-splashers can explore child-size slides and play areas.

Did we miss one of your favorite water parks? Tell us in the comments.

AAA has discounts to amusement and water parks around the region. Before your trip, visit AAA.com/Tickets to make sure you’re taking advantage of exclusive membership benefits.