Celebrating Spooky Season at Mickey’s Not-So-Scary Halloween Party

Ticketed after-hours events are some of the best ways to experience Walt Disney World, especially the Magic Kingdom. With a limited number of guests admitted, you can experience short wait times on the rides, rare character meet-and-greets and unique entertainment offerings. It’s a guaranteed ticket to a good time, but perhaps the most beloved of these events is the seasonal Mickey’s Not-So-Scary Halloween Party.

This can’t-miss party is held on select nights at Magic Kingdom from Aug. 9 to Oct. 31, 2024. It lasts from 7 p.m. to midnight, though party guests can use their ticket to enter the park as early as 4 p.m.

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Photo by Thuyvi Gates

The Vibe

You’re walking along Main Street in costume, and suddenly hear the hoofbeats of the Headless Horseman. This isn’t any normal after-hours event, this is Mickey’s Not-So-Scary Halloween Party!

During Not-So-Scary, the Magic Kingdom transforms into a Halloween hotspot, featuring autumnal decorations, special attraction overlays and a spooky soundtrack. The guests transform, too! Everyone is allowed to dress up in costume for the Halloween fun, within reason. You still have to follow the park dress code rules. For my latest visit, I dressed as Peter Pan (if Peter Pan wore orthopedic sandals). I had a great time, even when people asked if I was dressed up as the fox from Robin Hood.

The Candy

Do you have some little monsters (or even big monsters) looking for trick-or-treat opportunities? Guests of all ages can trick-or-treat at 17 treat stations scattered throughout the park. Treat bags are provided, including teal treat bags for guests with food allergies.

Cast members dressed in festive Halloween-themed costumes will shovel treats liberally, so there’s no need to visit every treat station unless you’re a trick-or-treat completionist.

The Characters

Character meet-and-greets are some of the most popular attractions at Mickey’s Not-So-Scary Halloween Party, since it features characters that are rarely seen in the parks. The line to meet Jack and Sally from “Nightmare Before Christmas” is usually the longest of the night. If you absolutely can’t miss seeing them, I would recommend lining up as early as possible.

Other characters may include Mirabel and Bruno, the Queen of Hearts, the Country Bears, the ugly stepsisters, Jack Sparrow, Genie and more. You could even see Stitch all dressed up in his Elvis attire.

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The Entertainment

In my opinion, this is the top reason to attend the Halloween party. They pull out all the stops for the entertainment around the park, and there’s something for everyone.

Boo! Mickey’s Boo-To-You Halloween Parade is so fun, it’s scary. It features floating ballroom ghosts from the Haunted Mansion, a cadre of menacing villains, happy-go-lucky gravediggers, donkeys from Pleasure Island, Mickey and friends in Halloween costumes, racers from Sugar Rush and so much more. The harbinger of the parade, the Headless Horseman, charges down the parade route to signal it’s coming, like a spooky Paul Revere.

The millennials have won the culture war, and “Hocus Pocus” is now a campy Halloween classic. The Hocus Pocus Villain Spelltacular is a show that takes place in front of Cinderella Castle, starring Sarah, Mary and Winnifred Sanderson. The wicked Sanderson sisters conjure legendary villains, sing some “Hocus Pocus” hits and command the audience to dance the night away. It’s an absolute delight.

The Magic Kingdom’s famous fireworks get a Halloween update for Disney’s Not-So-Spooky Spectacular, featuring projections, special effects and dazzling fireworks that could wake the dead. Jack Skellington hosts this show, and you might even see his loyal ghost dog, Zero, fly through the sky.

There’s also some ghoulishly delightful atmosphere to add to the night’s thrills and chills. In Frontierland, it’s possible you’ll run into the Cadaver Dans Barbershop Quartet or the Haunted Mansion’s hitchhiking ghosts themselves. Liberty Square is also welcoming some ghostly figures from regions beyond. In Adventureland, you’ll encounter the pirate band the Rusty Cutlass, who play nautical favorites from the Disney canon. You can also find Disney Channel favorites in Tomorrowland, like the DescenDANCE Party and the Disney Jr. Jam.

Photo by Shana Gorondy

The Extras

There are some perks to being a party guest. You can purchase exclusive merchandise and snacks that aren’t sold during regular park hours. You can get on rides without much of a wait. And you can also get a chance to get on some popular new attractions without worrying about virtual queues or Lightning Lanes. During party hours, Tiana’s Bayou Adventure offers a standby queue – no reservation needed.

I took the opportunity to ride Tiana’s Bayou Adventure, and we crested the splash hill just as the sun was setting. We only had to wait 30 minutes, which is a long wait during an after-hours event, but a lot easier than entering the virtual queue for a new ride during regular park hours.

There’s always something going on at the Happiest Place on Earth. To help you navigate your next trip, AAA has travel advisors who specialize in Disney vacations; it’s their job to stay on top of all the latest happenings and help you plan.

Reach out to one of our “magic makers” today!

Have you ever gone to an after-hours event at one of the Disney parks? Tell us about it in the comments below!

Featured image: ©Disney

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How To Save Money on Life Insurance

budget wise

Life insurance is an investment that offers a safety net for your loved ones and peace of mind for you, but finding an affordable plan may seem a bit daunting. High cost is the reason why 42% of consumers have not purchased life insurance. But there are many ways to get a low monthly premium and still have the coverage you need.

These are four tips you can employ to help save you money on your life insurance policy.

Start Early and Lock In Rates

More Millennials and Gen Z are looking into life insurance, and that’s a good thing; one of the best ways to pay less for life insurance is to start as early as possible. Age is a significant factor in determining life insurance premiums, as the risk of health complications increases as you age. Securing a policy when you’re young and healthy allows you to lock in lower rates for the duration of your coverage.

Maintain a Healthy Lifestyle

Insurers assess your overall health when calculating life insurance premiums, and the results can significantly impact your rate.

Adopting a healthy lifestyle that includes regular exercise, a balanced diet and the avoidance of tobacco products are key factors that contribute to lower premiums. In fact, being a smoker can actually double your rate in comparison to a nonsmoker.

how to save on life insurance - mom and daughter hugging

Choose the Right Type and Amount of Coverage

Selecting a life insurance policy that best aligns with your goals is crucial, and sometimes a pricier policy doesn’t necessarily mean it’s the best option for you. Typically, you can opt to purchase either a term or whole policy.

While whole life insurance benefits are available anytime and have intrinsic cash value, term life insurance often allows you to purchase more coverage for less money. Because of this, a term life insurance policy is ideal for those purchasing life insurance with a budget in mind.

Compare Quotes

Life insurance quotes can vary significantly among providers, so taking the time to “shop” and compare is time well spent when it comes to your wallet.

When looking, consider factors such as coverage limits and exclusions, the carrier’s financial strength rating and what living benefits the policy carries (benefits the policyholder can access before a health event or death occurs) before making your choice.

Being proactive in your search allows you to make the best, most informed decision, leading to a good amount of savings over the life of your policy.

Get a personalized life insurance policy through AAA.

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Merging Into Life: Budgeting 101

SEASON 1: EPISODE 10
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Budgeting 101: The best way to budget for beginners

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IN THIS EPISODE

Getting the garbage out on time for pickup, staying on top of the dishes, exercising regularly … these are all small but mighty everyday accomplishments. However, few small tasks are as satisfying or as impactful as making and sticking to a budget.

In this episode, Ashley Bove, workplace financial consultant with Fidelity Investments, shares simple and straightforward budgeting 101 pointers for beginners. Listen for tips on how to allocate for living expenses, save, build an emergency fund, repay debt and still have money left over each month for yourself.


KEY TAKEAWAYS

[1:47] – Ashley Bove’s key to budgeting: the 50/15/5 rule
[10:32] – How to start the budgeting process
[11:44] – How to balance paying off debt while saving up


WATCH ON YOUTUBE


TRANSCRIPT

[00:00:00]
Amanda Greene: Hey, what should we have for dinner tonight?

[00:00:05]
Amanda’s Daughter: Hibachi.

[00:00:06]
Amanda Greene: Oh, that does sound really good. But I meant, what should we make for dinner tonight? We should probably eat at home.

[00:00:12]
Amanda’s Daughter: But it’s so good. And then you won’t have to cook.

[00:00:15]
Amanda Greene: Oh, that’s true. And today has been a really long day. Wait. No, we just went grocery shopping. We need to cook dinner at home tonight. Should we do tacos or pasta?


RESOURCES

AAA Financial Products

Fidelity Investments

Financial Planning in Your 20s and 30s

10 Money Saving Habits to Start Right Now

Smart Personal Savings and Budgeting Apps

Building Your Budgeting Toolbox

Start These Savings Challenges


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*The views and opinions expressed in this podcast are not necessarily the views of AAA Northeast, AAA and/or its affiliates.

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Plan Your Fall Getaway to the Adirondacks

Autumn in New York’s Hamilton County is special. The winding roads, foliage-covered mountainsides and lively small towns with cozy lodgings offer a fall full of big experiences and endlessly vibrant scenery.

Take a road trip to see the region’s brilliant autumn colors, discover miles of hiking trails and savor seasonal flavors. For breathtaking views from above, you can climb one of the area’s seven historic fire towers.

Leaves and So Much More

Visitors often come to Hamilton Country to ogle the foliage and then discover so much more.

To fully immerse yourself in the natural beauty all around, consider camping. From state-owned parks to the backwoods, there are lots of choices, whether you are pitching a tent or parking an RV. Lake Eaton in Long Lake, for example, provides showers, bathhouses, canoe and boat rentals and easy lake access, as does state park Lake Durant Campground, also with showers and toilets as well as close proximity to the Northville-Placid Trail and smaller trails nearby.

The Adirondack Experience fall foliage report is updated regularly throughout the season, so don’t forget to check before you visit!

Fall in Hamilton County Awaits

Foliage, camping, arts and culture – experience fall with small towns and big outdoors!

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Paddling and Small-Town Life

With warm days and cool nights, swimming season may be over, but the weather still is perfect for viewing the scenery from a glimmering lake. Canoes, kayaks and other boats are available for rent or purchase at many of the lakeside marinas.

Take time to hike through the woods to discover waterfalls. For a challenge, try hiking up Blue Mountain. You might also want to take part in the Fire Tower Challenge and earn a badge for climbing all seven of Hamilton County’s fire towers. Originally used as lookouts for forest fires, the towers offer unparalleled views of the landscape.

Spend time exploring the small towns in the area, many of them perched along lakes, and enjoy their parks, shops and restaurants. Stroll through downtowns and check out locally owned stores. Blue Mountain Lake is home to Adirondack Experience, a museum filled with stories and exhibits about life in the Adirondacks in 20 historical and contemporary buildings spread over 121 acres.

Inlet offers a charming downtown, public beach and draws waves of snowmobilers in the winter. The town of Raquette Lake, is located on its namesake, the largest natural lake in the Adirondacks.

hamilton county

 

The Great Camps

Raquette Lake is home to Great Camp Sagamore, the former wilderness refuge of the Vanderbilt family from 1901-1954. Many of America’s wealthiest families built rustic estates, complete with the comforts of their urban mansions, in the Adirondacks to escape the heat of city summers. Great Camp Sagamore is open for tours and overnight stays.

Not far away is Great Camp Santanoni in the town of Newcomb, which opened in 1893. Home to Albany banker Robert Pruyn and his family, the camp is located on the Santanoni Preserve, which comprises almost 13,000 acres of the state’s Adirondack Forest Preserve and boasts 5,000-plus square feet of porches facing Newcomb Lake. Unlike the other Great Camps, Santanoni was a working farm for years.

Festivals, Exhibitions and More

Fall also is a time for festivals and exhibitions, live music and enjoying nature’s bounty. Farmers markets are scheduled throughout the season.

Mark your calendars for the ADK Lakes Theatre Festival, which runs through September 29 and dust off your antlers for the Great Adirondack Moose Festival September 27-29, where you can participate in a moose-calling contest and celebrate the return of the mighty moose to the Adirondacks.

Book a Columbus Day cruise on Raquette Lake Oct. 14 aboard the W.W. Durant, a steamboat-style ship. Later in the season, you can get into the holiday spirit at the Annual Country Christmas Tour, Nov. 22-23, featuring hand-crafted items from the Adirondacks.

Don’t wait until the leaves fall, book your Hamilton County vacation today.

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Fall Activities in New England, New Jersey and New York

The Northeast is known for many things (our accents, sports, clam chowder …), but autumn is when we really shine. From some of the most awe-inspiring fall foliage to the best seasonal activities to enjoy, it’s truly an exceptional place to be this time of year.

Here are some of our favorite fall activities in New England, New Jersey and New York.

Fall Activities in Connecticut

fall activities - apple orchard

Lyman Orchards

Middlefield

As a 10th generation farm, Lyman Orchards has been growing everything from apples to corn since 1741, and today, it’s one of the most popular places to enjoy in fall among locals and visitors alike. Besides its reputation for excellent apple picking, it also creates a themed corn maze every year, offers horse-drawn hayrides and has a stocked farm marketplace for all the essentials. The farm also hosts a variety of vendors throughout the year from breweries to petting zoos, and even dueling piano performances.

B.F. Clyde’s Cider Mill

Mystic

Fall is the time for hot beverages – chai, pumpkin spice lattes and, of course, apple cider. But have you ever had cider that’s freshly pressed, right in front of you? At B.F. Clyde’s Cider Mill, the last standing steam-powered cider mill in the United States, you can watch an apple-pressing demonstration before purchasing your own beverage (plus an apple cider doughnut or two). Also available are eight versions of hard cider and 14 apple wines, all aged to perfection in oak whiskey barrels.

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Fall Activities in Maine

Damariscotta Pumpkinfest & Regatta

The Damariscotta Pumpkinfest & Regatta is just as fun as it sounds. The four-day event is completely volunteer-led, from the third graders who plant the pumpkin seeds in spring to the more than 400 folks who grow the pumpkins over several weeks. Once the giant pumpkins have grown to size, the festival commences with such events as the pumpkinboat regatta, where enormous hollowed-out pumpkins are raced in the Damariscotta Harbor. Other featured events include the pumpkin derby, pumpkin pie eating contests, the pumpkin drop and who can forget the pumpkin catapult, where 20-pound pumpkins are hurled high into the air. A quintessential New England fall activity!

Treworgy Orchards

Levant

A farm that’s all about community, Treworgy Orchards’ mission since 1983 has been to give friends and neighbors the opportunity to pick their own fruit – and so they have, plus much more. Come to pick your own pumpkins, apples and squash, get delightfully lost in the corn maze (which can also be enjoyed at night), enjoy an apple cider doughnut with accompanied cider, take a relaxing hayride or even book a mini family portrait session. And that’s just seasonal fun! All year round, visitors can get ice cream, pet farm animals and browse the gift shop full of Maine and farm-themed goods.

Fall Activities in Massachusetts

Salem

We’d be remiss not to mention one of the most popular fall destinations, well, ever. With over 1 million visitors to the town every year, Salem has a reputation for everything spooky, witchy and all-around fall. Known for its role in the witch trials of 1692, Salem has become a favorite fall activity in New England for everyone from kids to adults. Learn about the town’s sordid history at one of numerous museums, take a spooky ghost tour, do a little shopping, get your fortune told or even have dinner inside one of the most haunted buildings in town.

Topsfield Fair

As America’s oldest agricultural fair, this massive 10-day event has been running every fall since 1818. From live music, carnival rides, contests and pumpkin weigh offs to pig racing, parades, cooking demonstrations and woodcarving, it’s simply everything you’d want a fall fair to be – and there’s something to enjoy for everyone in the family. Make sure to check the daily calendar for updates on the alternating entertainment schedule before your trip.

Fall Activities in New Hampshire

Alyson’s Orchard

Walpole

Alyson’s Orchard boasts over 50 acres of fruit-bearing trees, offering fresh fruit from midsummer to late fall. With 50 apple varieties, seven types of peaches and various berries, plums, pears, pumpkins, gourds and winter squash, it’s a paradise for pick-your-own enthusiasts. Visitors can create lasting memories among the tranquil farm setting, which includes ponds, playgrounds and even a bocce ball court. After you’ve picked your bounty, visit the farm stand for locally made products and treats.

New Hampshire Pumpkin Festival

Laconia

With its iconic jack-o’-lantern pyramid rising above the festival like an autumnal beacon, the New Hampshire Pumpkin Festival calls all pumpkin enthusiasts, costume-wearers, foodies and game lovers to its event. Folks of all ages are welcome as there’s plenty of fun to be had from craft shows and food trucks to a beer garden, dinner train and zombie walk – a spooky “choreographed jaunt” down the festival streets. And did we mention it’s free?

Fall Activities in New Jersey

Oktoberfest

Hamilton

Put on your Lederhosen and pay homage to the German tradition at the Hamilton Township Oktoberfest celebration this October. Enjoy crafterts beer gardens, food trucks and live music performances. The event is kid-friendly, so bring the whole family to enjoy an array of activities from a pumpkin patch to hay rides, a corn maze and more.

fall activities - pumpkins

Fall Activities in New York

Fishkill Farms

Hopewell

Rolling hills, shimmering lakes and idyllic farms make the Hudson Valley the perfect stop during fall when leaves are at their peak. In particular, Fishkill Farms is more than worth the drive. Every weekend in September and October, this Insta-worthy farm celebrates its Fall Harvest Festival. Ticketed events include everything from pick-your-own apples, wagon rides, a corn maze and live music. While you’re there, enjoy a panoramic view of the farm from their on-site cidery or grab a bite to eat from the Fishkill Farms Grill.

The Great Jack O’Lantern Blaze

Hudson Valley and Long Island

Taking a spooky stroll through the Great Jack O’Lantern Blaze will have you constantly asking, “How did they do that?” Thousands of carved pumpkins take the shape of anything you can imagine, from a T. rex to a functioning Ferris wheel. The Hudson Valley event takes place at Van Cortlandt Manor in Croton-on-Hudson, while Long Islanders can enjoy the experience at Old Bethpage Village. To make the experience even better, proceeds from ticket sales help to support the education and preservation efforts of Historic Hudson Valley and Old Bethpage Village Restoration.

Fall Activities in Rhode Island


The Farmer’s Daughter

South Kingstown

The Farmer’s Daughter has the fall season mastered. If you’re not convinced by the expertly arranged pumpkins, gourds and squash upon entry, walking through back-to-back greenhouses filled to the brim with fall decor, pottery and plants of every size and genus will certainly change your mind. Even better, their Fall Harvest Festival takes place every weekend through October and features hayrides, a pumpkin dunk tank, scavenger hunts and more.  

Fall Activities in Vermont

Autumn on the Green

Danville

If you’re seeking the epitome of small-town fall, look no further. Held by the Danville Chamber of Commerce, Autumn on the Green is a festival designed to showcase the works of small local businesses from artists to crafters and antique sellers. Stroll along the booths, admire the beautiful foliage around you and listen to live music before partaking in delicious food, like burgers, pulled pork, stews and whoopie pies, made onsite.

For even more Northeast fall fun, check out the Your AAA Fall Fest.

What did we miss? Tell us your favorite fall activities in New England and New York in the comments below.

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How to Deal With Trees in a Storm

If you’ve ever watched trees in a storm, you know that it can be scary.

A sunny day can turn into a violent and windy thunderstorm in a matter of minutes. Menacing black clouds creep in quickly, bringing strong winds that push the trees around, swaying them back and forth and carrying away leaves and small branches with ease. Hurricanes, though more predictable, can come on just as fast and with even more force.

Trees are used as a gauge for defining how powerful a storm is, not only to the average person, but in meteorological storm categories and wind measurement. The intensity of a storm can be determined by observing the wind in the trees, how it moves the branches and if it is strong enough to uproot even the grandest of oaks.

It’s a helpless feeling when uncontrollable forces of nature are at work and all you can do is cross your fingers that a heavy branch or tree won’t fall on your home or car. Of course, if you ever do experience tree storm damage, your insurance can help.

Prevention

Structural damage caused by branches and trees falling in a storm is one of the most common homeowners insurance claims during hurricane season, as well as in the winter due to blizzards and heavy snow.

As a homeowner, it is your responsibility to perform regular maintenance to your home and property to avoid potentially dangerous situations. This includes pruning and trimming tree branches that are weak or hanging over your house and removing dead or dying trees. Hire a professional to take care of the big jobs ahead of hurricane season as part of your seasonal home maintenance in the spring.

Insurance Coverage for Tree Storm Damage

First and foremost, if a tree falls on your home, evacuate immediately, make sure everyone is safe and call 911. If you can do so safely, cover up any openings caused by the fallen tree with a tarp or something similar.

“If a tree hits your home or other insured structure, such as a detached garage, your standard homeowners insurance policy covers the damage to the structure, as well as any damage to the contents,” according to the Insurance Information Institute.

Keep in mind that poor maintenance is taken into consideration when reviewing claims. If your insurance company determines that storm damage could have been avoided by proper upkeep, such as failure to remove a dead tree, it may not be covered.

Living Arrangements

In some cases, the destruction may be so bad that your home could be deemed unsafe to live in and you may need to make other living arrangements. “Your home insurance may also help you cover additional living expenses if you need to reside elsewhere while repairs are being made,” said Jodi DeSantis, vice president of insurance for AAA Northeast.

trees in a storm

Car Coverage   

If a tree falls and causes damage to your vehicle, it will be covered if you carry comprehensive – sometimes called “other-than-collision” coverage, on your policy. Policy deductibles (the out-of-pocket limit that you are responsible for paying) will apply.

Power Loss

Imagine stocking up on bread, eggs and milk before a storm, just for it all to go to waste because of a power outage. Falling trees and branches often cause prolonged power losses, but many people don’t realize that they may be able to get reimbursed for the cost of lost groceries.

Check with your insurance agent to see if you have food spoilage coverage on your homeowners policy. If not, it is relatively inexpensive to add. “It is well worth the dollars. And most insurance carriers will waive your deductible when this coverage is utilized,” said DeSantis.

If you do experience a power outage, maintain the temperature of your refrigerator or freezer by keeping the door closed as much as possible. Once power is restored, check all your refrigerated foods for freshness; if there is any doubt, throw it out!

Get more tips on how to handle a power outage.

Neighbors’ Trees

What if a neighbor’s tree falls and damages your property? Because a healthy fallen tree is considered an act of God, the person who sustains the damage is the one who will file the insurance claim and be covered by their insurance. However, your neighbor may be held liable if the tree was knowingly in poor condition or deteriorating. Just another reason why it’s important to stay on top of tree maintenance.

Storm Damage Tree Removal

If a tree falls on your property and causes structural damage, repairs as well as tree removal may be covered by your insurance. If the fallen tree does not hit a structure, there may not be coverage for debris removal, except in certain situations like if the tree is blocking a driveway or handicapped ramp.

Have you ever experienced storm damage from trees? Tell us about in the comments.

Discuss homeowners insurance with a AAA Insurance agent today.

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

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Learn Your Way Around Different Types of EVs

People tend to lump all electric vehicles into one pile, but consumers may not realize different types of EVs have varying degrees of electrical dependence, including models that could appeal to those who are reluctant to go all-electric.

Despite efforts by state and federal governments to promote electric vehicle sales, many buyers remain hesitant to transition from traditional gas cars. According to AAA’s latest EV survey of drivers in the Northeast, range and charging infrastructure remain primary concerns.

AAA research has found that consumer interest in EVs lacks enthusiasm nationwide, however, 1 in 3 drivers would consider purchasing a hybrid.

Understanding EVs

Part of what keeps drivers from committing to an EV is simply not knowing their options, even when it comes to the basics. For example, it’s common for people to miscalculate how an EV will fit in with their personal driving habits.

“Most people drive fewer than 100 miles a day and almost every EV on the market today can cover their daily needs without stopping to charge,” said March Schieldrop, senior public affairs spokesperson for AAA Northeast. “When someone buys an EV, one of the big realizations is that they almost never rely on public charging and nearly all their charging occurs overnight at home.”

Range anxiety, or the fear of running out of battery charge, might be more of a concern for long trips, but even then, planning ahead can help.

Many are also unaware of the different types of EVs and how they operate. What is the difference between a battery electric vehicle and a hybrid? Or a hybrid versus a plug-in hybrid? And what do charging terms like Level 1, Level 2, Level 3 and supercharging mean?

Electric cars require a bit of homework, so we’ve compiled this explainer to help. You may still be on the fence now, but an EV could be in your future.

President Joe Biden signed an executive order in December 2021 for the U.S. government to end the purchases of gas-powered vehicles by 2035, but “mass adoption will take time,” said Schieldrop. “The average car on American roads is now more than 12 1/2 years old. Even if gas-powered cars are no longer sold in this country in 10 years, it will take decades for every car on the road to be an EV.”

Power/Current

Lithium-Ion Battery

The type of battery used in most EVs due to its high energy density and ability to be continually recharged.

Alternating Current (AC)

An electric current that continually changes direction. It is the standard electrical current in homes.

Direct Current (DC)

An electrical current that flows in one direction. It is the type of current that comes from a battery. When being charged by AC, EVs convert the power to DC to replenish their batteries.

Regenerative Braking

A system found in most EVs that captures the energy created by braking and transfers it to the car’s battery. 

Different Types of EVs

Hybrid Electric Vehicle (HEV)

A type of car that uses both an internal combustion engine and an electric motor for improved fuel economy. Hybrids do not require an external charging source to charge. The gas engine generates enough electricity to charge the battery while driving and also gets a boost from regenerative braking.

Plug-In Hybrid Electric Vehicle (PHEV)

A hybrid that can also be charged externally. Plug-in hybrids get some of their charge from regenerative braking, but as the name suggests, can also be plugged into a power source. They can travel as far as 40 miles on electricity alone.  

Battery Electric Vehicle (BEV)

A vehicle powered entirely by an externally charged electric battery.

Fuel Cell Electric Vehicles

Powered by hydrogen, these environmentally friendly cars produce no harmful emissions, just water vapor. They’re available in limited markets due to lack of infrastructure.

Zero Emissions Vehicle (ZEV)

A vehicle that emits no exhaust gas or other pollutants while in use, which inclues all of the above.

Electric Car Charging Stations

Charging

Level 1

The slowest form of charging, Level 1 is usually done at home using a standard 120-volt household outlet. Level 1 charging takes several hours to fully replenish an EV battery. Never use a Level 1 charger with an extension cord.

Level 2

Level 2 charging is significantly faster than Level 1, adding roughly 20 to 50 miles of range per hour. Level 2 chargers must be professionally installed for residential use. Most public charging stations are Level 2.

Level 3

Also known as DC fast charging, Level 3 is capable of high-power energy transfer that can replenish an EV battery to 80% in a half-hour.

Supercharger

Tesla’s proprietary EV charger can add up to 200 miles of range in as little as 15 minutes, according to the automaker. This fast-charging standard is called the North American Charging Standard (NACS). Tesla owns and operates a network of more than 35,000 superchargers across North America.

Bidirectional Charger

A converter that changes the car’s DC energy back into AC electricity so it can power something else, like appliances, another EV or even a house. This also requires a device to disconnect the house from the electrical grid so it can be connected to the vehicle.

Connectors

SAE J1772

Also known as a J plug or Type 1 plug, this five-pin connector is widely used in North America and supports both Level 1 and Level 2 AC charging.

CCS1

The CCS1, which stands for Combined Charging System Type 1, features a seven-pin configuration, integrating the SAE J1772 connector with two additional pins, allowing it to support both AC and DC charging. 

CHAdeMO

This connector, which is used for DC fast charging, is found on models from Asian manufacturers.

NACS Adapters

Select EVs other than Teslas can connect to Superchargers using an NACS adapter. However, many major automakers, including Ford, General Motors, Nissan and Mercedes-Benz have recently adapted the fast-charging standard and will be transitioning all new EVS to come with built-in NACS charge ports.

To learn more, visit AAA’s EV website.

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How to Be the Best Mortgage Loan Candidate

Applying for a mortgage loan can be a dream come true or a real wake-up call. The difference is how well you prepare.

Getting your ducks in a row before applying for the biggest loan of your life is important if you want homebuying to be the wonderful experience it should be. It’s not something you can do overnight, either.

Becoming a quality mortgage candidate is something that can take years. Here are some of the steps you should take.

Have a Good Track Record

One of the best ways to show you’re prepared for a mortgage loan is through strong credit. The basic principles of building good credit are: always pay your bills on time, be careful about opening and closing new lines of credit and don’t use a high percentage of your available credit.

A good way to know how you’re doing is to review your credit report. Every consumer is entitled to a free copy of his or her credit report once a year from each of the nation’s three leading credit repositories. Click here for details on getting your report.

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For expert advice on the homebuying process, listen to Episode 7 of our podcast, Merging Into Life: Buying Your First Home.

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Scores Aren’t Everything

Credit scores are numbers that help tell lenders how likely borrowers are to consistently make loan payments. There are some credit card companies that offer customers free access to their scores. It’s important when reviewing these scores to remember that there is no single credit score.

FICO is one of the most popular credit scores, but it might not be the figure a lender is using to determine your credit worthiness. Lenders use a variety of algorithms to determine applicants’ credit scores, and they can vary depending on the type of credit you’re applying for.

Think of your credit score as more of a ballpark estimation of your credit worthiness versus a cold, hard figure.

Having a low credit score can have varying degrees of consequences. If your credit is too low, your mortgage application may be denied. If your credit is good, you may be approved but at a higher interest rate than someone with excellent credit. Some credit scores may also limit your eligibility for loan programs. Mortgages through the Federal Housing Authority, for example, tend to have lower credit thresholds than traditional mortgages.

mortgage loan

Work It

A steady income goes a long way toward proving you’ll be able to make payments on your mortgage loan. Applicants with consistent work histories often fare better than those who have recent gaps in their work histories.

Be Realistic

Don’t overextend yourself. Lenders typically will allow your monthly debt to go up to 43% of your gross monthly income. But consider your lifestyle. If you have upcoming expenses like college for a child or possibly a new car purchase, you may want to dedicate less toward a mortgage payment..

Save, Save, Save

Borrowers who make large down payments are often seen as lower risks than borrowers who make small down payments. In fact, homebuyers who aren’t prepared to put 20% down should be prepared to pay for mortgage insurance. It’s a fee often added to your monthly mortgage payment like homeowners insurance, and it protects a lender in the event a borrower defaults. If you don’t think you can put aside even a small down payment, like 3.5%, you may be eligible for a government-insured mortgage program that permits relatives to gift you money for a down payment.

Get Organized

You’re going to need quite a few documents to close on your mortgage. Getting all your paperwork together as early as possible can help. Have at least have two or three recent paystubs, tax returns from the last two years and bank and debt statements.

For faster, more personalized service to secure your mortgage, consider using a mortgage broker with AAA.

Learn more about AAA mortgage loans and other home loan services. 

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Word Search: Fall Travel Destinations

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Top Hotels by Wyndham for New England Leaf Peeping

Visiting the Northeast in autumn is the best time to enjoy the cool, crisp air, fall-themed foods and the most vibrant changing foliage.

When planning a trip around leaf peeping in New England, where you stay matters. With excellent locations, amenities and price point options, a hotel by Wyndham has everything you need. With a collection of 25 trusted brands, Wyndham Hotels & Resorts welcomes travelers for all types of trips, from airport layovers to beachfront getaways and everything in between.

If you’re looking for a place to stay in and around New England this fall, here are our top Wyndham properties to book.

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Hawthorn Extended Stay by Wyndham Ellsworth

Bar Harbor, Maine

Maine is one of the first states where the leaves begin their fantastic color transformation. The Hawthorn Extended Stay is situated perfectly near gorgeous Acadia National Park and charming downtown Bar Harbor – both must-see locations. Guests enjoy free breakfast during their stay, a heated indoor pool, free Wi-Fi and convenient distance to both local airports, so getting there is a breeze. This contemporary hotel is also dog-friendly*, so bringing your furry friend along to enjoy the foliage is no problem at all.

wyndham

Wyndham Boston Beacon Hill

Boston

Not only is Boston’s central location ideal for a range of leaf-peeping destinations within the region, but it’s also one of the most picturesque cities to see in the fall. Make Wyndham Boston Beacon Hill your home base, situated in the heart of the city with proximity to some of Boston’s top attractions like award-winning restaurants and TD Garden. Valet parking**, pet-friendly rooms* and a rooftop pool only scratch the surface for the thoughtful amenities you’ll enjoy during your stay.

wyndham

Wyndham Newport

Newport, R.I.

While enjoying your leaf-peeping adventure in Rhode Island, the breathtaking scenery is just the start. Book an idyllic New England escape at the Wyndham Newport, where hospitality takes center stage. Enjoy inspired local fare at the onsite restaurant, take a dip in the heated saltwater pool, relax beside the outdoor firepits or sunset patio in the evenings and get to where you need to be downtown by shuttle – for free.

wyndham

La Quinta Inn & Suites by Wyndham Lake George

Lake George, N.Y.

Although not technically part of New England, New York is on many leaf peepers’ lists. As you explore the region, head to Lake George to catch waterside views of the leaves. A comfortable stay at La Quinta Inn & Suites provides free parking, free breakfast, a fully equipped gym, basketball court, hot tub, game room and more. Newly opened in 2023, this modern hotel allows you to make the most of your stay in Lake George as it’s merely minutes away from popular restaurants and activities like wineries, horse racing and plenty of family fun.

Going somewhere else this fall? Explore Wyndham Hotels & Resort’s locations worldwide. AAA members save 10% or more on hotel stays.*** Book now by calling 800-789-4103 and mention you are a AAA member or visit WyndhamHotels.com/AAA.

*Additional pet fee may be charged

**Additional valet fee may be charged

***Restrictions apply.

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Car Seat Safety Tips for Expecting & New Parents

Being pregnant or the parent of a newborn child can be stressful. There are so many important things to think about when it comes to keeping your little one safe. Car seat safety is one thing you want to make sure to get right. After all, when used correctly, an estimated 325 children under age 5 are saved by car seats in a year, according to the National Highway Traffic Safety Administration.

Car crashes are a leading safety issue facing children, yet car seat misuse is more common than you might think. Nearly 74% of all car seats inspected by Child Passenger Safety Technicians in 2023 were improperly installed and used, according to the latest research from National Digital Car Seat Check Form database.

To ensure your safety and that of your newborn, follow these car seat safety tips from AAA’s safety experts.

car safety tips
Credit: National Highway Traffic Safety Administration

Car Safety During Pregnancy

  • Seats belts reduce traffic fatalities of front-seat passengers by 45%. Though it may get more uncomfortable as your belly grows, always wear your seat belt when driving or riding in a car.
  • Buckle up correctly. The lap belt should go under your belly and fit securely across your hips. The shoulder belt should be across your shoulder and away from your neck. The seat belt height adjuster can be moved up or down for a better fit.
  • If you are driving … Keep your belly as far away as possible from the steering wheel, while still being able to reach the pedals comfortably. Also ensure the seat is adjusted so you can see well and can sit up straight.
  • Ensure the airbags are on. Airbags help keep you and the baby safe in the event of a crash. Seat belts and airbags work together to minimize the impact of the crash.
  • If you are in a crash … It is important to seek care immediately even if you think you are not injured.

Listen to Our Podcast

Curious about car seats? For answers to all your questions, listen to Episode 4 of our podcast, Merging Into Life: Baby’s First Ride.

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Shopping for a Car Seat

One of the biggest stressors for new parents is purchasing and installing a car seat. Do your research, but don’t agonize over your choice. Every seat on the market is crash tested to meet federal safety standards. If used properly, they will protect your child in the event of a collision.

No matter your budget, all car seats (purchased new) are guaranteed to protect your most precious cargo. A more expensive seat may have enhanced comfort and cosmetic features, but the best car seat is one that is installed and used correctly every time. The National Highway Traffic Safety Administration offers ease-of-use ratings and a car seat finder tool to help you shop.

Types of Car Seats

The most common seat that new parents will use is a rear-facing only infant seat. These seats typically accommodate a child between 30-to-35 pounds.

Once the child has outgrown their infant seat by length or weight, a convertible car seat installed rear-facing is the next step. A convertible-style car seat can be installed front or rear-facing to accommodate the needs of your growing child.

The American Academy of Pediatrics recommends children ride rear-facing as long as possible, until they reach the height and weight limit for a particular seat. Parents should be aware of their state’s law regarding car seat safety, which may also mandate how long children must remain rear-facing in their convertible seat before riding in the forward-facing position. Most convertible seats can be used in the rear-facing position with children up to 40-50 pounds.

car seat
Credit: U.S. Centers for Disease Control and Prevention

Car Seat Installation Help

There are three primary mistakes when it comes to installing and using car seats, according to the National Digital Car Seat Check Form.

  • The car seat installation is too loose.
  • Failure to use the tether when installing a forward-facing car seat with either the lower anchors or seat belt.
  • Not sufficiently tightening the harness when securing a child in a car seat.

Another issue is that children often are moved out of an age-appropriate car seat before it is safe for them to transition.

The safest and most effective car seat is one that is installed properly. Always read your car seat manual and check if the manufacturer provides video instructions for installation. If you need help, talk to a certified Child Passenger Safety Technician. They are trained not only to install your car seat, but to teach you how to do it yourself.

Extra Padding

Harness covers, plush padding and other after-market products might be tempting to add to baby seats, but unless the additional accoutrements were crash tested, there is no guarantee they won’t affect the function of the seat in the event of a collision. The same goes for mirrors and sunshades. At high speeds, these objects may dislodge and become dangerous projectiles that can injure your child or other occupants in the vehicle.

Registering a Car Seat

Register your car seat by filling in and sending in the postmarked card attached with your seat or go to the manufacturer’s website to register your seat virtually. If you do not register your car seat, you may miss important recall information from the manufacturer that could impact the safety of your child.

Used Car Seats

You can use a hand-me-down car seat, depending on the circumstance. A used seat is an acceptable choice if it meets the following criteria:

  • You know the history of the seat (it comes from a trusted source).
  • It hasn’t been involved in a collision.
  • Shows no signs of damage to the frame or harness.
  • Is not expired or recalled.

Most child passenger safety experts agree that used car seats should not be purchased. Because you cannot guarantee the history of the seat, you also cannot guarantee that it is safe. If you get a hand-me-down seat from a trusted source and it meets the above criteria, it is safe for use. If you have questions about a used car seat, consult a Child Passenger Safety Technician for guidance.

Flying with a car seat? Check out these tips and tricks first.

Find a Child Passenger Safety Technician near you.

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Hispanic Heritage Trail Through the Northeast

There are more than 500 years of Hispanic heritage sites to explore throughout the nation. But it wasn’t until 1988 that National Hispanic Heritage Month became official, shining a spotlight on the people and places that exemplify the Latinx experience.

While most Hispanic heritage sites are in the western and southern U.S., the Northeast has some treasures that are definitely worth a visit. Here are some landmark destinations for making a tribute of your own – any time of year.

New York 

Hispanic Society of America

The Hispanic Society of America was founded in 1904 by philanthropist Archer M. Huntington. Spurred by a passion for the diverse cultures of Spain, Latin America, Portugal and the Philippines, he began by displaying his extensive private holdings, a collection that continues to grow to this day: In fact, it currently houses the largest collection of Hispanic artifacts in the nation.

The museum is open to the public and shows exhibits ranging from paintings by masters like El Greco and Goya to photographs, books, ceramics, jewelry and furniture. As if this vast trove weren’t enough to scratch every history-lover’s itch, this New York landmark is an architectural gem in upper Manhattan’s legendary Audubon Terrace Historic District, a site listed on the National Register of Historic Places.

El Museo de Barrio

Not far south from the Hispanic Society is El Museo de Barrio. Founded in the 1960s by a broad community of Puerto Rican culture advocates, it is now home to a permanent collection of more than 8,000 objects. They span over an impressive 800 years of art history from Latin America and the Caribbean. In addition to a wide range of popular, year-round events and temporary exhibits, its permanent collections focus on modern art, graphics, popular traditions, and Taíno and pre-Colombian artifacts. Be sure to check the website before you go for the latest family-friendly and community-oriented events.

Casa Amadeo, antigua Casa Hernandez

The Bronx is also home to a music store steeped in Hispanic heritage. Also on the National Register of Historic Places, Casa Amadeo is New York City’s oldest Latin record shop in continuous operation.

Opened in 1941 by siblings Victoria and Rafael Hernandez, it was bought in 1969 by legendary musician-composer Miguel Angel “Mike” Amadeo. Now in his late eighties, he still owns and operates it. You’ll find it on the ground floor of a beautiful 1905 neo-Renaissance building that has been managed by community housing organization Banana Kelly since the 1970s. Go for the history and the tunes, roam the area for a one-of-a-kind vibe.

New Jersey

Hispanic cultural centers right outside NYC

One out of every five New Jerseyans identify as Latino or Hispanic. So it’s no surprise that a mere hop from New York City lie some prime destinations for soaking in the authentic food, culture, and heritage of the Spanish-speaking world.

Havana on the Hudson, the second most populated Latino/Hispanic area in the US, boasts ever-bustling Bergenline Avenue. The state’s longest commercial stretch, it beelines through the minority-majority cities of North Bergen, Guttenberg, West New York and Union City.

A short 30-minute drive northwest is the Little Lima neighborhood in Paterson. Worth a visit in its own right, this Peruvian enclave also borders the city’s lively Italian, Puerto Rican, Dominican and Mexican neighborhoods.

If you’re looking for some Hispanic heritage that’s a bit older, head over to New Jersey’s largest city, Newark. The Newark Museum of Art houses an impressive collection of Latin American art and artifacts from the pre-Colombian era to today.

Rhode Island/Massachusetts

The Blackstone River Valley (National Heritage Corridor)

The birthplace of the American Industrial Revolution in the mid-19th century, the Blackstone River Valley was teeming with world-famous textile mills. But by the early 1960s, there was a shortage of skilled loom operators. This prompted mill owner Jay Giuttari to begin bringing master weavers up from Colombia, then Latin America’s largest textile manufacturer.

Many area mills soon caught on, sparking a new wave of immigration from South America that ensured the survival of the aging mills for a few more decades. In fact, Giuttari’s Lyon Silk Works stayed in operation until 2020. Now designated a National Heritage Corridor, this 48-mile stretch along the Blackstone River goes from Pawtucket, Central Falls and Providence in Rhode Island to Worcester, Massachusetts. These cities are still home to vibrant and varied Hispanic communities, many of whose residents helped preserve a valuable piece of American history.

What other places that are important to Hispanic heritage have you visited, or wanted to visit? Let us know in the comments below.

Read this article in Spanish.

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How To Deal With an Unexpected Pet Emergency

When our cat, Charlie, suddenly got sick, my husband and I were frantic.

Besides having no interest in sprinting down the hallway for treats (highly unusual in itself), Charlie was lethargic and hiding away. What did this mean? What was going on, and what should we do? Being only 6 years old, he’d never had a health scare before, and we were woefully unprepared. After many panicky phone calls, we were finally able to get him in to see an available vet.

Diagnosis: Tummy ache.

Cost: $600. No insurance. No financing options.

Although we were relieved Charlie would be OK, the worry and stress we experienced could have been avoided – or at least diminished – if we had a prior plan in place. Don’t make our mistake; read on to learn what to do in a pet emergency and how you can prepare for the unexpected when it comes to your best friend’s health.

Immediate First Steps in a Pet Emergency

  • Stay calm and assess. If your pet seems sick or has had an accident, your initial reaction should be to stay calm. Hard as it may be, staying calm is imperative, as panicking can hinder your ability to make rational decisions. Begin to quickly assess your pet’s condition to determine if the situation is critical. Look for signs like difficulty breathing, excessive bleeding or unconsciousness.
  • Seek veterinary care. If your pet is in severe distress or showing critical symptoms, contact your veterinarian or an emergency animal clinic right away.
  • Know basic first aid. Familiarize yourself with first aid for pets, such as how to perform CPR or apply pressure to a bleeding wound. These skills won’t substitute veterinary care but could be crucial in stabilizing your pet until you can get them to a professional for further help.
  • Transport your pet safely. Use a carrier to transport your pet to minimize any movement and prevent further injury. Try making them as comfortable as possible with blankets, treats or favorite toys. Of course, drive carefully.
  • Monitor and document symptoms. Keep a detailed record of your pet’s symptoms including when they began and any changes in behavior. This information helps the veterinarian better diagnose and treat the condition.

Listen to Our Podcast

Ready to bring home a new best friend? Listen to Episode 8 of our podcast, Merging Into Life: First-Time Pet Owner’s Guide.

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Does Having Pet Insurance Help in an Emergency?

“Anyone with a pet can benefit from the peace of mind and financial freedom provided by pet insurance,” said Ashley Kehew, insurance assistant sales manager with AAA Northeast. “Depending on the pet insurance you have, it can help provide financial protection for emergencies and for regular vet visits. Pet parents can choose the best care for their furry friend rather than what is most affordable.”

Specialized care treatments or advanced tests that could be crucial for your pet’s health are more accessible with pet insurance.

“Pet emergencies, while unpredictable, are almost inevitable and extremely costly,” said Kehew. “You can’t put a price on the peace of mind that comes from knowing you can afford to give your pet the best of care with the help of pet insurance.”

In the event of a pet emergency, vet bills can be upward of thousands of dollars depending on the severity of the health issue, and some clinics are unable to provide treatment without proof of ability to pay first. Pet insurance is able to help mitigate emergency vet costs by covering a significant portion of the expenses, depending on your policy. Knowing you have that support can keep you focused on what truly matters in the moment: Your pet’s wellbeing and recovery.

Health emergencies aren’t the only unexpected events you should prepare your pet for. Learn how you can plan to keep your pet safe during storms and hurricane evacuations.

Talk to a AAA insurance agent advisor about pet coverage options today

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A Costa Rica Vacation Has Something for Everyone

Vacations can sometimes seem like a tug-of-war between those who want to get out and explore, and those who just want to chill out. In Costa Rica, there’s no need for competition, because everyone wins.

“Wherever you are in Costa Rica you can have a different experience,” said Jodi Abata, a AAA travel advisor based in Wayne, N.J. “It’s not just a beach destination. There are rainforests, an active volcano and exotic plants and animals. It’s an amazing place for families with ziplines, horseback riding, thermal baths and more.”

Costa Rica’s location explains its best-of-all-worlds reputation: This Central American nation has Pacific and Caribbean coastlines separated by a mountainous interior. The latter is covered in dense jungle and rainforests alive with four species of monkeys, tree sloths, toucans and more.

The phrase “pura vida” can be seen and heard throughout Costa Rica. Though it directly translates to “pure life,” its meaning goes much deeper. Used as both a greeting and a farewell, it encompasses the positive spirit of Costa Rican culture. It represents enjoying the simply things, connecting with and respecting nature and being grateful for every day. Come experience it!

Your Costa Rica vacation is just a click away. Book now.

costa rica - monkey

Where to Stay in Costa Rica

Both coasts of Costa Rica have beautiful beaches but offer distinctive experiences.

While all-inclusive resorts are strongly associated with the Caribbean, in Costa Rica, the big resorts are located on the Pacific Coast in Guanacaste and Puntarenas provinces.

Costa Rica’s shorter Caribbean shoreline, entirely contained within Limon province, is far less developed and home mostly to villas and boutique hotels.

In Guanacaste, for example, you can vacation at the family-friendly, AAA Four Diamond designated Planet Hollywood Costa Rica, an all-inclusive Marriott Autograph Collection property. Or splurge on a couples escape to the Four Seasons Resort Papagayo, the adults-only, all-inclusive Secrets Papagayo or the Andaz Costa Rica Resort at Peninsula Papagayo.

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Things to Do in Costa Rica

Costa Rica’s excellent road system allows visitors to move freely around the country, and many travelers choose to mix a relaxing beach stay with adventurous explorations in the country’s interior, said Abata.

Arenal Volcano National Park and the spectacular La Fortuna Waterfall, two of Costa Rica’s most popular backcountry destinations, are under three hours’ drive from Limon and under four hours by road from Guanacaste.

The park and surrounding Arenal Conservation Area are home to their namesake active stratovolcano – lava has been flowing here regularly since the 1960s! Hiking trails trace the path of the major eruption of Arenal volcano in 1968 as well as crossing a series of hanging bridges suspended in the rainforest canopy. Here, the dormant Chato volcano is also protected, with its crater lagoon, Lake Arenal.

Nearby lodging like the Springs Resort and Spa and Nayara Springs let you immerse in volcano-heated hot springs after a day of hiking and exploring.

costa rica vacation

More Costa Rica Activities and National Parks

While Costa Rica’s Caribbean coast is best known for low-key relaxation, there’s no shortage of activities when you want to get off the beach. Tortuguero National Park, named for the leatherback sea turtles that nest there, is full of rivers, canals and lagoons; it’s about two hours north of Limon by road.

Cahuita National Park is about half the distance away from Limon and preserves many of Costa Rica’s diverse charms in one place: Pristine beaches, coral reefs teeming with fish and rainforests where hikers may encounter tree sloths and raccoon-like coatis. To immerse yourself in local culture, head to the town of Puerto Limon, known for its rich Afro-Caribbean heritage.

Corcovado National Park, one of the most biodiverse places on the planet, is located on the isolated Osa Peninsula on Costa Rica’s southwest Pacific coast. Six native wild cats including oncillas, margays, pumas, jaguars, jaguarundis and ocelots mostly inhabit this remote area. It’s a long drive from anywhere, but a flight from the capital of San Jose to Drake Bay, about an hour from the park, takes 40-50 minutes.

costa rica vacation

Hiking is required to see some of Costa Rica’s most singular sites, but it’s not all hard work. The country abounds in ziplines and canopy tours. Zoom over tropical dry forests toward the Guanacaste coast on Diamante Eco Park’s Superman Canopy Zipline or hang like a spider monkey over a Pacific coast jungle with the Rainforest Adventures Aerial Tram in Jaco. The Arenal reserve offers thrilling ziplines and easygoing canopy tours, as well.

Exploring on horseback is another less strenuous way to enjoy Costa Rica’s natural beauty, with guided rides available along the beaches and into the rainforest.

Environmentally conscious and unspoiled, Costa Rica is a welcoming destination for Americans where English is widely spoken and the U.S. dollar is always accepted.

“It’s a beautiful country, with very nice people and a very safe place,” Abata said. “Costa Rica is its own little world.”

Did you know your AAA membership grants you access to your own travel team? Plan your Costa Rica vacation with the help of a trusted AAA travel advisor and customize your trip from start to finish. Call 866-423-5585 to speak with an advisor today!

Have you been to Costa Rica? Tell us what you love about it in the comments below.

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Word Search: Countdown to Fall

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Be on the Lookout for Flood-Damaged Cars

If you’re shopping around for a used vehicle, there’s a good chance you are going to come across a flood-damaged car, whether you realize it or not.

Insurance companies often declare flood-damaged vehicles as total losses, and those cars are then sold to salvage companies. However, rather than being dismantled for parts, some of these vehicles are purchased by individuals who restore them to some degree of working order. AAA warns car buyers that water-damaged vehicles can be transported anywhere for resale.

Thousands of flooded cars make their way back to the used car market each year and that number often increases following hurricane season and major floods.

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Signs of a Flood-Damaged Car

So, how do you know if you’re on the verge of buying a flood car? Start with the vehicle’s description. It may be referred to as “storm-damage” and could have a new title indicating it was an insurance total. Car history reports can help, but only if the car was put through a claim process.

Here are some other ways to check for water damage:

  • Inspect the car thoroughly for rust stains inside the car, especially around seat brackets.
  • Use all your senses. Does the car smell like mold/mildew? Conversely, does it smell like someone is trying to cover something up?
  • Check for carpet or upholstery that has been replaced or recently shampooed. Pull back the carpet at different areas and look for mud, dirt, rust or water stains.
  • Look in the trunk and under the spare tire. On a SUV, lower the spare tire and look for mud and debris. If the spare tire looks like it was just steam-cleaned, be suspicious. A spare tire that has been under a vehicle for a few years should be dusty, not caked with mud or spotlessly clean.
  • Is there mud and dirt on the underside of the dashboard? This area is hard to clean.
  • Look for water in the headlights and taillights.
  • Rust on the underside of the vehicle. Corrosion is uncommon in newer vehicles and those that are owned and operated in warmer climates.
  • Open the hood and look for water stains, mud and dirt in nooks and crannies (the alternator, cooling fan and other surfaces).
  • Check the fuse boxes for signs of corrosion.
  • Are the electrical components, such as lighting, heating/AC fan and window motors, not functioning properly?
  • Look for rust, mud, dirt or discoloration in body seams and small out-of-the-way crevices on the doors, under the hood and inside the trunk. Rust on unpainted screws indicates moisture.
  • Check all the fluids. If they are a milky color this could indicate water contamination.
  • If all of the windows have condensation on a warm day, it could indicate the interior was flooded.
  • A technician or even a do-it-your-selfer can check for engine fault codes. If the fault codes were recently cleared, this could indicate someone trying to hide something.
  • Some states do a better job of identifying cars with reconstructed titles. If you are looking at a local car and it has a recent out-of-state title, be wary and ask lots of questions.
  • Finally, if the price looks too good to be true, it probably is.
flood

What Happens if Your Car Was Caught in a Flood?

If you are caught in a few inches of water, your car will most likely be fine. If the water leaked into the vehicle’s interior, however, there may be real trouble.

Here are some tips and steps to take if your car becomes flooded.

  • Call your insurance company to check on coverage.
  • Take plenty of photos to document the damage.
  • Don’t start the car. Have it towed home or to a repair shop to be evaluated.
  • If the water was fresh (not brackish or salty) and the engine was off, you may be OK.
  • Driving into deep water could cause the engine to hydro-lock and cause extensive damage. When the engine sucks in water, that water can’t be compressed and will damage internal engine components.
  • Don’t start the car until it has fully dried out. Even though cars today have lots of computers, allowing the car to fully dry out may save all the expensive electronics. Think of a wet cellphone – sometimes if it is allowed to dry out, it will be OK – and so may your car.
  • The interior should be thoroughly cleaned and the carpets removed to fully dry out. This will help eliminate any mold or mildew.
  • Change all the vital fluids. They may be contaminated by water.
  • When in doubt have the vehicle evaluated by a reputable repair shop.

Have a question about flood-damaged cars? Leave them in the comments below.

Get a pre-purchase inspection by a trusted mechanic. Locate a AAA Approved Auto Repair facility near you.

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Merging Into Life: Moving Out for the First Time

SEASON 1: EPISODE 9
Episode Feedback

Packing, unpacking and settling into your new place.

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IN THIS EPISODE

This episode is all about moving out of your parents’ house and into to your first place. Whether you’re renting or buying, it’s all yours to do as you please.

You get to decide how to decorate, when you’ll do the dishes and if you’ll eat on the couch or at the dining room table. But, with great power comes great responsibility, so you might have to move your own stuff as well. No need to stress, we’ve got everything you need, from a moving out checklist to additional tips to ensure a smooth transition.

Our guests Rob Shetler, Vice President at Shetler Moving & Storage, and Jami Supsic, Home and Style Director at HGTV Magazine, cover how to make the most of your space, if the couch will fit through the door, how long it takes to pack (hint: longer than you think) and much, much more.


KEY TAKEAWAYS

[5:38] – How to make sure your furniture fits your new space
[7:19] – Key things to consider when using a moving company
[13:21] – How to make the most of a small space
[16:38] – How to find affordable furniture


TRANSCRIPT

[00:00:02]
Amanda Greene: Hey, how are you? What are you doing?

[00:00:04]
Friend: Good. Not much. What are you doing?

[00:00:05]
Amanda Greene: I just sent my niece some money. She’s moving out for the first time. Can you even believe that?

[00:00:10]
Friend: Oh my gosh. Wow. I can’t believe she’s old enough to be out on her own.


RESOURCES

AAA Renters Insurance

AAA Home and Condo Insurance

First-Time Homebuyers Guide

Your Guide to Renters Insurance Coverage

Top Tips for a Stress-Free Move

How to Pack a Moving Truck

Shetler Moving & Storage

HGTV Magazine

Federal Motor Carrier Safety Administration


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*The views and opinions expressed in this podcast are not necessarily the views of AAA Northeast, AAA and/or its affiliates.

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The Safest Cars for Teens and New Drivers

Safety is always a consideration when buying a new car, but it’s especially important when it comes to teens and new drivers. For drivers without much experience behind the wheel, safety features are key to helping prevent and protect against crashes.

When picking the safest cars for teens, the Insurance Institute for Highway Safety and Consumer Reports consider a number of important factors before making their recommendations. For starters, only vehicles with a curb weight greater than 2,750 pounds are listed. Every car must pass extensive safety tests and evaluations with flying colors, and receive strong marks from Consumer Reports for braking, handling and reliability. Additionally, vehicles must have a minimum rating of four or five stars from the National Highway Traffic Safety Administration. Best Choice vehicles are also equipped with standard automatic emergency braking systems.

We chose our safest cars for teens and new drivers from among the top picks. There are no subcompact vehicles, as larger, heavier cars provide a greater level of protection during a crash. No sports cars or high-horsepower vehicles are included either; such cars may encourage young drivers to speed, which contributes to roughly one-third of all traffic fatalities.

Safest Cars for Teens and New Drivers: Used

toyota corolla
2017-2019 Toyota Corolla

Starting in 2017, the Corolla’s front-end structure was tweaked and the frame around the driver door was strengthened to improve protection in small overlap frontal crashes. Both the sedan and hatchback received high safety ratings based on advanced safety features. The 2017 Corolla received an overall safety rating of five out of five stars from the NHTSA, earning a five-star rating in the side crash test and four stars in the frontal crash and rollover tests. Starts at about $10,600.

toyota camry
2018 or newer Toyota Camry

The midsize four-door sedan was a top safety pick in 2018. The model features a larger cabin and improved steering and handling than earlier versions. The car comes with an assortment of safety features, including the Toyota Safety Sense, so all 2018 Camry models have traffic-adapting cruise control, automatic emergency braking to prevent a potential forward collision, lane departure warning and mitigation and auto-dimming LED headlights. Starts at about $9,600.

toyota avalon
2017 Toyota Avalon

A large four-door sedan, the 2017 Avalon model with updated headlights was a top safety pick for 2017. This roomy, comfortable car includes Toyota’s Safety Sense package with adaptive cruise control, a lane departure warning and intervention system, forward collision warning, automatic pre-collision braking and automatic high-beam headlight control. Starts at about $14,400.

Safest Cars for Teens and New Drivers: New

subaru impreza
2024 Subaru Impreza

A charming small four-door hatchback, like all Subarus, the Impreza comes with all-wheel drive, a big plus in winter weather. The cabin is roomy and comfortable, and the cargo area spacious. Safety features include standard lane departure warning, front crash prevention and pedestrian warnings, as well as a rearview camera and dusk-sensing headlamps. Prices start at $23,400.

subaru
2024 Subaru Outback

A mid-size, four-door wagon, the Outback combines “a station wagon’s practicality, comfort, easy-driving character and fantastic outward visibility with the ground clearance, ride compliance and all-weather sure-footedness of an SUV,” according to Edmunds. The Outback, of course, comes with all-wheel-drive and standard lane departure warning, front crash prevention and pedestrian warnings, among other features. Prices start at $28,895.

mazda cx30
2024 Mazda CX-30

Another all-wheel-drive vehicle, this small four-door SUV comes with a six-speed automatic transmission and is a pleasure to drive. The Mazda CX-30’s well-appointed interior and leather upholstery give it a touch of luxury. Among the safety features are lane-keeping assistance with warnings for lane departures, adaptive cruise control and self-operating emergency braking. Prices start at $24,995.

Need a new car for your teen driver? Let AAA help finance the purchase with a low-interest auto loan.

AAA Northeast is not affiliated with or sponsored by the car manufacturers discussed in this article. The article reflects our own independent analysis.

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Your Guide to Renters Insurance Coverage

Moving into a new apartment or rental can be a project. You have so much furniture, clothes and knickknacks to move into your new place. But once you’re settled, how do you know your belongings will stay safe? You might not think you have expensive things, but could you afford to replace all of them at a moment’s notice? That’s where renters insurance coverage comes in.

To learn more about renters insurance coverage and AAA renters insurance, we spoke to Jodi Desantis, vice president of insurance sales for AAA Northeast.

Listen to Our Podcast

Moving out of your parents' house and into your first place? Check out Episode 9 of our podcast, Merging Into Life: Moving Out for the First Time.

Tune In

Why do you need renters insurance coverage?

If you live in an apartment or other type of rental, renters insurance is a way to cover your personal possessions and your personal liability. “Many apartment complexes require their tenants to have renters insurance,” said DeSantis. “And also for them to carry certain liability limits.”

Your landlord is already paying the property insurance, but if you want your personal belongings to be protected, you’ll need to have renters insurance. Renters insurance coverage provides protection for personal items in the event they are stolen or damaged, as well as personal liability in case someone is injured at your rental and you are held liable.

Renters insurance can cover items damaged by fire, lightning, smoke damage, vandalism and windstorms. And if your apartment becomes damaged in one of these events and you can’t stay there while it’s being repaired, it will usually cover additional living expenses, as well. It will also cover you against damages caused by others in your building that you can’t control, like if someone starts a fire in another apartment.

Additionally, renters insurance may protect you from issues that arise from water and sewage backup. “Depending on what you’re renting, typically the flood insurance is purchased by the property owner,” said DeSantis. “Renters insurance covers water damage that originated inside the house, like an overflow or a collapsed sewer line.”

Review your policy terms with your agent to see exactly how you are covered.

renters insurance infographic update

Where does renters insurance coverage apply?

Renters insurance obviously covers the personal property you keep in your apartment, but it also travels with you, which could come in handy in ways you might not even realize.

If you play golf, for example, and your expensive golf clubs get stolen from your car, your auto insurance wouldn’t cover the theft, but your renters insurance would.

This is also the case for personal liability. “It looks just like liability coverage with a homeowners insurance policy,” DeSantis said. “So if you have $300,000 worth of liability coverage as part of your rental policy, that coverage follows you. If you were to inadvertently injure someone and you were held liable, even if the incident were to occur outside of your apartment or almost anywhere, you would be covered.”

Is there anything renters insurance doesn’t cover?

“Like all property or dwelling insurance, there’s general coverage for your personal property up to a certain limit,” DeSantis said. “That’s something you would have to talk to your agent about … If you have exotic items or anything you might place a lot of value on that you’re not sure about, you should just ask. Whether it’s artwork, firearms or jewelry, most carriers will offer some sort of endorsement that you’ll have to pay an extra premium on to get coverage.”

Learn more about jewelry insurance offered through AAA.

What do I do now?

A great way to get the most out of your renters insurance coverage is by taking inventory of all your personal belongings. This can be as simple as making a home inventory video on your phone. Having this record and updating it as needed can help you keep tabs on exactly what you own and the condition of your items, which can be especially handy when making a claim. To keep track of more expensive items, it is also a good idea to hold onto your receipts by taking photos of them or storing the hard copies in a safe place.

If you have any questions, don’t hesitate to ask your insurance agent about any part of your policy.

Learn more about AAA renters insurance.

Do you have renters insurance coverage? Has it ever helped you through a sticky situation? Share your story in the comments section below.

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Find Your Caribbean With Sandals & Beaches Resorts

Dreaming of a vacation that allows you to truly relax? Sandals® all-inclusive Caribbean resorts offer the ultimate in comfort and convenience in the most gorgeous tropical places.

From Sandals’ adults-only properties to its family-friendly Beaches resorts, you can find the stay that’s right for you, set along pristine beaches in Antigua, Barbados, the Bahamas, Curacao, Grenada, Jamaica, Saint Lucia, Turks and Caicos and Saint Vincent.

Just when you thought the Caribbean couldn’t get any more carefree, you can enjoy drinks, dining, entertainment, water activities, Wi-Fi, fitness centers, free roundtrip airport transfers and more – all without having to reach for your wallet. Even gratuities are included.

You don’t even have to worry about planning; a AAA travel advisor will take care of everything.

Discover Your All-Inclusive Caribbean Playground

Leave your wallet and your cares behind, because all-inclusive means just that. 

Start Exploring

For Adults

Sandals’ has 17 adults-only resorts on some of the Caribbean’s best beaches. Each destination is designed with couples in mind, outfitted with romantic suites and restaurants, quiet pathways, hidden grotto pools, firepits under the stars and included land and water activities for you and your partner.

There are seven Sandals resorts in Jamaica to choose from, including the original in Montego Bay, tucked along one of the longest and most secluded white sand beaches on the island. Sandals South Coast also stands out for the two miles of coast on which it rests.

sandals grenada

Sandals Royal Bahamian in Nassau, Bahamas, is especially luxurious. With seven pools, a spa, the all-new Coconut Grove lounge area and unlimited dining at your choice of 10 exquisite restaurants (plus two new food trucks!), you may not want to leave.

For a different view, Sandals Regency La Toc in Saint Lucia makes its home in a 220-acre tropical estate, overlooking a sloping hillside that ends at a gorgeous golden beach. Sandals Royal Curacao sits on 3,000 acres on the Spanish Water Bay and Caribbean Sea, surrounded by mountains.

Sandals Saint Vincent is the newest resort. Home to a private cove, it gives guests the chance to explore a quieter island.

beaches resort

For the Family

For families, there’s Sandals’ sister resorts, Beaches. With two properties in Jamaica – Beaches Negril and Beaches Ocho Rios – and one in Turks & Caicos, Caribbean adventures await for everyone in your crew.

In addition to the anytime gourmet dining options and endless activity inclusions that Sandal’s is known for, Beaches resorts also has on-site water parks and kids’ programs.

Each resort has six children’s programs broken down by ages and staffed by trained nannies, allowing parents to have a dinner date or just some alone time. Featuring age-appropriate activities in separate groups for newborns up to age 17, some of the nannies have completed specialized training to care for children with autism and other special needs.

Resorts also include Caribbean Adventures with Sesame Street, giving little ones a chance to hang out with their favorite characters.

sandals montego bay

Included Activities

If you love the water, gear up for endless fun. Resorts offer snorkeling, scuba diving (for certified divers), aqua trikes, paddle boarding, wind surfing, kayaking and catamaran sailing. Some locations also have motorized activities such as water skiing, wake boarding and banana boat rides. Guests ages eight and older at Beaches Turks & Caicos resort can take an eight-hour course to learn to sail.

When you’ve had your fill of the beach, Beaches guests can wash off the sand at the resorts’ water parks, with towering waterslides as well as lazy rivers, wave pools and other attractions, or just plunge into one of the swimming pools.

Equally numerous and varied are the choices of on-land games and activities, including golf (complimentary roundtrip transfers to nearby Sandals golf resorts and green fees are waived in Jamaica and Saint Lucia), basketball, beach volleyball, soccer, tennis, pickleball, shuffleboard, bocce, horseshoes and table games. Or stop in the fitness center for a more structured workout.

Guests can also sign up for excursions and spa treatments, which cost extra.

Exquisite Dining

All that activity requires fuel, and there is no shortage of restaurants to fill up the tanks. Resorts have multiple restaurants, featuring cuisine from around the world. Sandals also tries to highlight locally grown and native foods on its menus. Each resort has at least five bars that serve premium liquor and there are stocked bars in every room. Unlimited snacking between meals is also available, for those anytime cravings, and can be delivered to your room.

Contact your AAA travel agent and plan your next getaway today! 

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