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IN THIS EPISODE

Are you thinking about welcoming a puppy or kitten into your life? Or maybe you’ve dreamed of having an aquarium in your home office? Getting a new pet brings unmistakable joy, but adding a new furry, scaled or feathered family member also requires a significant commitment, impacting both lifestyle and budget.

On this episode, we explore all things first-time pet owners need to know, including choosing between a responsible breeder or a shelter and how to afford unexpected medical costs. Veterinarian Dr. Ann Hohenhaus and Abbie Harrison, Associate Editorial Director for Daily Paws and The Spruce Pets, are here to help you navigate the world of pet ownership so you can enjoy all the love and affection without worry.

And don’t forget, for peace of mind, AAA Northeast offers pet insurance for accidents, injuries and illnesses.

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KEY TAKEAWAYS

[7:52] – Important things to consider when adopting from a breeder and from a pet rescue
[14:52] – The lowdown on pet insurance
[18:12] – How to select the right type of food

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TRANSCRIPT

[00:00:01]
Amanda Greene: It was just a little over 10 years ago, my husband surprised me and brought home a kitten. I was about to have surgery and he was hoping that the healing power of a kitten would get me back on my feet sooner. It was a really sweet gesture, but I have to say that she is the meanest cat I have ever met in my life.

‘Hey, get down. Not my antique vase!’

I love her. She’s become part of our family, but she is something else.

My experience with this beautiful, nasty, yet somehow still lovable cat makes it easier to say no to a higher maintenance pet like a dog. But it’s getting harder all the time because the girls keep asking for a puppy, and I’m not …

[00:00:43]
Amanda’s daughter: Mom, did you just say puppy?

READ MORE

[00:00:45]
Amanda Greene: No.

[00:00:45]
Amanda’s daughter: I want a puppy so bad. It’s so fuzzy and cute, and I want one.

[00:00:50]
Amanda Greene: No one said puppy!

Welcome to Merging Into Life where we navigate life’s milestones one episode at a time. Brought to you by AAA Northeast. I’m your host, Amanda Greene. Today, we’re going to talk about getting a pet. It’s a massive decision with huge impacts, but unlike many of our topics on this show, it isn’t a necessary part of adulthood. Moving out, finding your first home, buying insurance, these are things that usually have to be faced at some point. But getting a pet is very much a personal choice, one that has to fit with your life, because once you commit, you are in it for the long haul, and it’s hard to think clearly when faced with a little fuzzy miniature bundle of love.

So, before you start wandering the halls of your local shelter, sit back and listen. We’re going to take you through all the things to think about before you find yourself saying yes to the pet, such as how to adopt a rescue dog, pet insurance and selecting the correct food for your pet.

We’ll be speaking with Abbie Harrison, a pet lover and editorial director of animal content. But first.

[00:01:58]
Ann Hohenhaus: So I’m Ann Hohenhaus. I’m a veterinarian here at the Schwarzman Animal Medical Center. My area of expertise is in oncology or cancer medicine for pet. I was born into this field. My father was a veterinarian, and so I just kept doing the same thing I’d been doing all my life, which is taking care of animals.

[00:02:18]
Amanda Greene: It’s in the family. That’s really beautiful. What was your first pet? How did that experience shape your life and your approach to veterinary care?

[00:02:28]
Ann Hohenhaus: Well, I would say that the pets were really my father’s. So the first pet I remember is a beagle dog. He loved beagles. He always had beagles, and that dog met an unfortunate end in that it was hit by a car. And I remember being in his clinic with him, and I think he knew that the dog wasn’t going to make it. And I spent much of the last moments of that pet’s life making sure that its nose was wet with little gauze sponges, because if the dog’s nose was wet, I was sure that it was going to live. And so, possibly, that dog had an impact many, many, many years later on my career.

Introducing the AAA Pet ID Tag Program. Pets are part of our families and deserve special attention if they are ever lost from home. This complimentary program is AAA’s way of assisting our members if they have a lost pet, avoiding the need to display personal information on a tag. Learn more.

[00:03:10]
Amanda Greene: Wow, that is really special. So for a family to decide they’re ready, they would like to get a pet, how do you help guide people or families in determining the type of pet that best fits their lifestyle?

[00:03:24]
Ann Hohenhaus: Well, I think that is the question they need to ask. What is your lifestyle and how can a pet fit into that? If you’re someone who likes to go away on the weekend, can you take that pet with you where you’re going on the weekend? Or if you’re someone that works from home all the time and can walk a dog whenever you need to, then a dog might be a great pet. And then let’s not just think dogs and cats, but we could also think about more non- traditional pets, which might be something in an aquarium, that needs probably less day- to- day maintenance. Although having been a fish tank owner for some time, cleaning those things can be a challenge. Or some small mammal like a gerbil or a guinea pig. Those are easy pets to take care of . And so that lifestyle question is a very important first question for the first-time pet owner to wrestle with when they’re making a decision on a pet.

[00:04:23]
Amanda Greene: Yeah. So your lifestyle, are you someone who’s even home enough for certain kinds of pets is a really big one. I hear people say that a lot. ” I’m not home enough to get a dog yet.” So what animals are best suited for different needs or environments? Let’s say you live in an apartment.

[00:04:38]
Ann Hohenhaus: I would say that there are many, many people in New York City that have 60 pound dogs. And the reason that we know that is that every time the animal medical center remodels itself, we always add more runs for big dogs, which tells us that we’ve got a lot of big dog patients. You can have a big dog because in the apartment, the dog mostly hangs out, and then that dog is going to get walked multiple times a day. Dogs with backyards, you open up that backyard and the dog goes out there and lays in the sun and the grass and then comes back. New York City dogs actually get exercise because you walk them around the block, you take them to the park that’s closest to you, and so they get a lot of exercise and are perfectly fine in not a very big apartment. So I don’t know that internal space really makes a difference.

Cats, one thing about cats is you need to have a litter box, at least one litter box for every cat. So even though cats are small, having five cats in a small apartment is a problem, because you can’t fit enough litter boxes into the apartment and could end up with territorial issues. So those are all things to think about in terms of space.

[00:05:49]
Amanda Greene: So the act of actually deciding how to get your pet, when it comes to deciding between a breeder or a rescue, what factors should a first- time pet owner consider?

[00:06:01]
Ann Hohenhaus: Well, part of it depends on what kind of pet you want. If you have your heart set on a purebred animal, you might need to go to a breeder, but you might also be able to get a purebred dog from a breed- specific rescue group. So there are Frenchie rescue groups and Golden Retriever rescue groups for people who have to relinquish their pets for a variety of reasons.

Co-op boards, those are the people that run the buildings that you live in, sometimes set a limit on the size of a dog that you can have. And they might say, “You can’t have a dog that weighs more than 30 pounds.” Well, that makes going to the pound a challenge because you don’t always know how big that pound puppy is going to turn out to be. And so you might need to go to either get an adult dog or get a dog from a breeder where you can pick the size of the dog that you’re getting because of the co- op board restrictions on pets.

I think also it matters who is in the household. So getting a pet from the shelter, you don’t know as much about their background and you don’t know as much about their health. And if you have immunocompromised family members, then that shelter pet is more at risk of bringing home an illness that could be translated to a family member. So in that case, a pet that comes from a private home where you know everything about that pet’s background might be better for your particular family.

[00:07:31]
Amanda Greene: This is all very interesting. We’re going to come back to Dr. Hohenhaus and how soon, but first I want to dive a little deeper into how to get your first pet.

[00:07:40]
Abbie Harrison: Hi, I’m Abbie Harrison. I am the Associate Editorial director of the Sprucepets.com and Dailypaws. com. I have two dogs myself. They are two rescues. One is named Millie and the other is Finn.

[00:07:53]
Amanda Greene: Amazing. So could you describe how you would caution someone considering adopting a dog from a breeder? What should they look out for and what kind of questions should they ask?

[00:08:05]
Abbie Harrison: You really want to do your research before you decide to go the breeder route. There’s a lot of backyard breeders and puppy mills that you want to stay away from. So with a responsible breeder, they should be registered with their breed club. So like the Golden Retriever Club of America or something like that. You can go to that breed club website and they should list out all of their affiliated breeders. They should allow you to come visit the facility and meet the dogs, the parent dogs, any of the puppies that they have currently. And that way you can also evaluate the facility and make sure that it’s a clean facility and see where the dogs are kept and just to make sure it’s a good environment. They should provide you with health certificates and screenings. Hip and elbow and eye screenings are just some of the things you can look at. They’ll probably also give you information about the dog’s line because these responsible breeders work very hard to make sure that they’re producing dogs that are healthy and have a good temperament.

[00:09:01]
Amanda Greene: I imagine as you are visiting their facility and you are evaluating what they’ve done, they should also be sort of making sure that you are a fit home also.

[00:09:11]
Abbie Harrison: Definitely. Yeah. They will want you to submit an application, and you’ll probably have to end up on a waitlist. Because a responsible breeder won’t have just all kinds of puppies available at all times, they will have a schedule of when they are going to expect litters to be born. So you should expect to be on a wait list for a year, maybe even two, depending on the breed of dog that you’re looking for, and that breeder’s program.

[00:09:37]
Amanda Greene: What else should you look for in a breeder?

[00:09:40]
Abbie Harrison: I think another thing is they should never offer to ship a dog to you. You should have to go to the facility and pick up the dog. That is a common sign of puppy mills and backyard breeders is they will ship their dogs out or a scam where you put up deposit online and then nothing ever comes of it.

[00:09:58]
Amanda Greene: Okay. So what about from a rescue? What considerations are important there when adopting a rescue dog?

[00:10:04]
Abbie Harrison: When you go to a rescue, you want to work with the staff and tell them about your lifestyle and ask them if they can give you some information on the dogs that they have currently and help you find the right fit. If you are a first- time dog owner, you don’t want to end up with a dog who might have a lot of behavioral issues, maybe has come from a bad situation, unless you are fully prepared and able to take on that challenge. And so the rescue staff should be willing to work with you to find the right fit for you so that way you don’t bring the dog back in two weeks when things aren’t working out.

[00:10:38]
Amanda Greene: Something to keep in mind is that getting your pet from a shelter comes with the satisfaction of doing a good thing, but it also comes with fees sometimes as high as $600 and $700. That cost is one more thing to factor into a very big decision. In a perfect world, when you get a pet, it’s for life. And if you can’t make that commitment, Abbie points out that there are other ways for animal lovers to get their fix. Shelters are often looking for volunteers to help out. And then there’s the ever important role of fostering. According to Dr. Hohenhaus, not only does it free up a place for another animal in the shelter, it also gives young animals exposure to real households and invaluable experience for when it finds its new home.

[00:11:23]
Ann Hohenhaus: If you’re fostered in a home, you get to meet the evil Mr. Vacuum Cleaner, and you hear the dishwasher turning on and you hear what the shower sounds like and doors closing and the TV on, and all those noises that happen every single day in a home, but do not happen in a shelter because it’s a completely different environment. If you’re bringing a puppy or kitten home for children, you don’t want the first children that puppy or kitten sees to be your children. You want them to have been exposed early on to little unpredictable beings that make funny, loud noises because that can be very upsetting to a puppy or kitten that’s never met a child before. Children behave much differently than bigger adults.

[00:12:11]
Amanda Greene: Those are some really good points. Another big consideration are your personal finances and being financially ready is really important when bringing home a new pet. So how do you recommend people gauge if they’re financially ready for the responsibility?

[00:12:27]
Ann Hohenhaus: Well, I think that what everyone wants to do is take their credit card and rush to the local Pet Emporium and get the cute bowls and five beds and a couple sweaters for the new dog and the biggest climbing tree for the cat that you can find. And that is probably all the least important things. Your pet could be perfectly happy eating food out of an empty, clean Chinese food container and will sleep on any pillow, pile of dirty clothes or what you have on the bedroom floor.

What you need to think about is the cost of medical care, the cost of food. Pet owners in the United States spend most of their pet budget on food. They spend more on food than on medical care for their pets. Also, think about grooming. So you want that fluffy Persian cat that your grandma had, and well, then now someone needs to comb those mats out of that cat and make sure that its skin and hair are kept healthy.

And if you get a poodle, those things grow hair like you can’t believe. And trust me, I know some poodles whose haircuts cost more than mine do.

[00:13:34]
Amanda Greene: Wow.

[00:13:34]
Ann Hohenhaus: So those are things to think about. The grooming, medical care, food, and then who’s going to babysit that pet when you go on vacation? You’ve got to either engage the neighbor or pay the kennel, but that’s an added cost. And then you have to think about the added cost of housing, because is your landlord going to want a bigger security deposit on the apartment? Does your landlord actually allow pets? Are you going to try and sneak this one in? And if you do and get caught, is there a financial penalty associated with it? So there’s a lot of money things to think about in getting a pet.

[00:14:15]
Amanda Greene: Most of these expenses you can plan for, but I suppose medical care can really balloon out of control depending on the health of your pet. How do you plan for that?

[00:14:25]
Ann Hohenhaus: Yes, and one of the important decisions that a pet owner needs to make is, am I going to purchase insurance for this pet? And if I am, what is that insurance going to do? So some people want catastrophic crisis medical care coverage, meaning they figure they can budget and pay for shots, blood tests and the routine care that the pet needs, because that’s more predictable and they can work that into their budget. But if the pet has a big crisis, then that’s the kind of insurance that they want.

Other people say, if there’s a crisis, I’ll figure it out. But I want to know that my routine care is covered, and I can predict that my coverage is going to cover shots and blood tests that the pet needs every year and flea and tick medication and heartworm medicine. So that’s one way to think about it.

The other way is to create a pet slush fund, and instead of putting the money into the insurance company, put the money in the bank. But a lot of people are not good savers. And so the minute they see that they have $5, 000 in the bank, they’re like, ” Woohoo!”

[00:15:33]
Amanda Greene: Shopping.

[00:15:34]
Ann Hohenhaus: Let’s go to Cancun.

[00:15:34]
Amanda Greene: Yeah.

[00:15:35]
Ann Hohenhaus: Yeah, let’s take a cruise. But that money really has to sit there so that if the pet has an emergency, you can draw down on that emergency catastrophe fund, not use it to fund a vacation.

[00:15:48]
Amanda Greene: Have you seen any examples within your own clients? Any stories to share?

[00:15:53]
Ann Hohenhaus: Well, I’ve seen that within my own family. My brother got some cats, and it was a time in his life when he had a lot of children and less income. And so I gave them a catastrophic cat insurance policy as a Christmas gift. And lo and behold, the cats developed a catastrophe. And my sister- in- law said to me, ‘Oh, this is great, because I don’t know how we would’ve paid for it in our situation.’

[00:16:16]
Amanda Greene: Wow. Being able to make choices, not just because of the finances, but for the care of the pet. That is really powerful. And for added peace of mind, AAA Northeast offers pet insurance for accidents, injuries and illnesses.

What types of things should you buy ahead of time to pet proof where you live?

[00:16:37]
Ann Hohenhaus: I’m not sure you need to buy. I think you need to get rid of. Pets are looking for cords to chomp on. Medications, that’s the number one reason for calls to animal poison control is the pet gets into their own medications or the family’s medications and ends up in the animal ER. So putting medications away and out of reach. We’ve had some pets where it’s a tag team. The cat gets on the counter and goes, boop, boop, boop, boop, crash. And when the medication falls to the ground, the dog eats it all.

[00:17:12]
Amanda Greene: Oh, my.

[00:17:13]
Ann Hohenhaus: Remember that there are flowers and plants that are potentially lethal to your pets because we have pets in all the time that have eaten a plant that’s making them sick. I think you need to be sure that doors latch so no one escapes. And then this is the one thing you should probably buy is the appropriate number of baby gates, pet gates. There’s so many gates on the internet. Find the one you like. Be sure it’s tall enough, and be sure the bars are close enough together because you can’t believe how they can squish through those little skinny bars.

[00:17:51]
Amanda Greene: That’s such good advice.

And part of keeping your pet safe is making sure it can’t get its paws on human food that can make it sick. The list is long and includes chocolate, grapes, raisins, and pits from certain fruits. The days of passing your table scraps onto your pet are long gone and for good reason.

How should pet owners go about selecting the right type of food for their fur baby?

[00:18:19]
Ann Hohenhaus: People will often ask me, what is the best pet food? And there is no best pet food. So here are my guidelines to help you. One is that the label needs to say AAFCO certified. A-A-F-C-O, which stands for the American Association of Feed Control Officials. They’re the people in the United States that are tasked with determining if pet food meets the nutrient standard for dogs. So it’s going to be species specific, the AAFCO regulation, and it’s also going to be life stage specific, meaning approved for puppies, approved for adults, approved for all life stages. And so you need to pick the one that’s right for your pet.

[00:19:02]
Amanda Greene: Well, at the pet store, are all of the dog foods on the shelf not certified with this?

[00:19:07]
Ann Hohenhaus: Correct. They are not all certified.

[00:19:09]
Amanda Greene: Wow.

[00:19:09]
Ann Hohenhaus: Because they don’t meet the definition of complete and balanced. So that’s why that’s my rule. I want my patients to eat complete and balanced foods. It needs to say AAFCO on that label. The print is really small, but it’ll be there if it is AAFCO certified.

Second thing is that the pet needs to like the food. So even though you perceive that this food is going to be great for your pet, if it won’t eat it, it doesn’t do your pet any good.

[00:19:36]
Amanda Greene: And so when it comes to meal prepping for your dog at home, I feel like I’m hearing you say you’re not a big fan of that.

[00:19:42]
Ann Hohenhaus: I’m not a fan of it unless that diet has been formulated by a board certified veterinary nutritionist. Studies have been done looking at the nutritional adequacy of home- cooked diets with recipes made by the owners, and they are in general deficient in calcium and phosphorus. And I had a patient whose owner heart was in the right place, the dog had terrible allergies, and they were making a home-cooked diet for the dog. And that dog became so low in calcium that it was walking funny, and we thought it had an orthopedic problem. And then we did some blood tests on it, and its calcium was dangerously low. And that’s because the diet was low in calcium. And so now his diet is essentially the same with the right vitamins and minerals added by the board certified veterinary nutritionist. And it’s taken us a while, but we got him back on track.

[00:20:40]
Amanda Greene: When do you bring your puppy or your kitten in for their first exam? Is it like when you have a baby, you have to go right away?

[00:20:47]
Ann Hohenhaus: Pretty much. So if you are purchasing from a breeder, a puppy or a kitten, then you will need to look at that breeder contract because usually that breeder contract has a clause in it that that puppy or kitten needs to be seen within X days and determined to be healthy. And if not, you can return it. Although after a few days, you’re in love and you’re not going to return it. But there’s a clause in there that says needs to be visited.

And then puppies and kittens need vaccinations roughly every three to four weeks before they’re probably five, six months old. And so you need to know from who you get the puppy or kitten from, when was it vaccinated and when’s the next vaccine due? But usually quite soon after you get the puppy or kitten, you should have it checked out. Since we’re talking about planning for your first pet, you need to probably identify that veterinarian upfront. Maybe make an appointment for shortly after you get that pet, even though you don’t have it yet, so that you can get an appointment at the right time for that pet and find out more about that veterinary hospital.

[00:21:56]
Amanda Greene: Is there any other advice you would offer to someone considering this, considering getting their very first pet?

[00:22:02]
Ann Hohenhaus: Oh, it’s going to be so much fun. There’s nothing like having a pet around. They’re infinitely entertaining. They are completely devoted to you, and they’re unconditional in their love. So I love having animals around and I can just sit in the evening and watch my kittens play. It’s better than TV. I did not watch the news last night. Instead, I watched the kittens play.

[00:22:29]
Amanda Greene: Beautiful. That’s a lot of love. That’s really special. Okay, so before I let you go, I have some rapid fire questions. When should you start brushing your new pet’s teeth?

[00:22:41]
Ann Hohenhaus: Now.

[00:22:42]
Amanda Greene: Immediately?

[00:22:42]
Ann Hohenhaus: Yeah, immediately. So kittens and puppies are very pliable, and if you train them early, you can get them to do a lot of different things. If you wait until they’re four years old, no go on the tooth brushing.

[00:22:55]
Amanda Greene: Should all pets be microchipped?

[00:22:57]
Ann Hohenhaus: Yes.

[00:22:58]
Amanda Greene: How often should you bring your pet in for a checkup?

[00:23:01]
Ann Hohenhaus: At least once a year for a routine checkup and whenever they’re ill.

[00:23:05]
Amanda Greene: And what’s a normal amount of sleep for dogs and cats to get per day?

[00:23:10]
Ann Hohenhaus: Cats sleep about 90% of the time. Dogs, probably somewhat less, but still a lot.

[00:23:15]
Amanda Greene: Wow. 90% of the day. It does seem like they’re always resting, so that makes a lot of sense.

[00:23:21]
Ann Hohenhaus: Oh, yeah.

[00:23:21]
Amanda Greene: Wouldn’t that be nice? Dr. Ann Hohenhaus, thank you so much for joining us and for sharing all of this amazing information. You have been very helpful.

[00:23:30]
Ann Hohenhaus: Oh, good. Well, I hope that everyone who’s getting a first pet has a wonderful time with it.

[00:23:35]
Amanda Greene: Thank you so much.

There’s so much to know when getting your first pet. So remember, consider your lifestyle and find something that fits with how you live. Work out your costs beforehand because food, medical care and insurance add up. Prepare your space to make it as safe as possible for your new friend. Once you commit to a pet, it’s supposed to be forever. And once you work all of that out, it’s totally worth it. Because pets bring love, companionship, and entertainment.

A huge thanks to Dr. Anne Hohenhaus, a vet and host of the podcast, Ask The Vet. You can find a link to that show in our show notes. And thanks to Abbie Harrison, Associate Editorial Director of Daily Paws and The Spruce Pets at Dotdash Meredith for coming on our show.

You’ve been listening to Merging Into Life where we navigate life’s milestones one episode at a time. Brought to you by AAA Northeast, with assistance from JAR Audio. I’m your host, Amanda Greene. If you’re learning as much as I am, follow us wherever you get your podcasts and leave a review. We’d love to know what you think. Email us at podcast@aaanortheast.com.

I love that. What are your cats’ names?

[00:24:48]
Ann Hohenhaus: Right now, I have Cashew and Acorn. Oh, this is Acorn.

[00:24:53]
Amanda Greene: Acorn.

[00:24:54]
Ann Hohenhaus: He’s a good eater. ‘Oh, I know, I know, I know. I know you think it’s lunchtime.’

[00:24:58]
Amanda Greene: Oh, so cute. But we’re still not ready for a puppy.

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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RESOURCES

AAA Northeast Pet Insurance

Pet ID Tags

What to Expect During the Pet Adoption Process

Be Prepared for Pet Emergencies

Are Pets Covered by Home and Auto Insurance?

Pet-Friendly Hotels and Restaurants in the Northeast

Daily Paws

The Spruce Pets

Golden Retriever Club of America

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Want to Learn More? Drop Us a Note

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

A strong foundation is an integral part of developing any sound structure. That’s why, when it comes to having solid financial footing, envisioning your plan as a house is the perfect analogy.

Just as a good foundation supports and protects a house from potential structural problems and damage, insurance provides a safety net for unexpected life events.

Understanding how life, home and auto insurance fit into your financial strategy can help you save money, manage risks and contribute more effectively to your future.

The Foundation: Life Insurance

The stability of your financial “house” relies on a strong base, and life insurance is a key component of that foundation.

Often considered the cornerstone of financial planning, life insurance provides security for your loved ones in the event of your death. A smart decision at any age, its primary purpose is to ensure that your family can maintain their standard of living without financial strain if you are no longer around to provide for them. This sense of security forms the bedrock on which other financial plans can be built.

Things like:

• Income replacement. Life insurance can replace any lost income, allowing your family to cover essential expenses like mortgage payments, education costs and daily living expenses.
• Debt protection. Life insurance can also cover outstanding debts, such as a mortgage or car loans.
• Investment in future goals. With the peace of mind provided by life insurance, you can focus on building other aspects of your financial plan. This stability allows you to allocate more resources towards investments, retirement savings or other long-term financial goals.

The Framework: Homeowners and Auto Insurance

While life insurance provides the financial security that underpins your plan, homeowners and auto insurance create a protective framework around your everyday assets. These types of policies mitigate the financial risks associated with property damage and liability, further strengthening the foundation of your financial house.

To start, homeowners insurance covers damage to your property and its contents caused by fire, theft or natural disasters. It can also provide liability coverage in case someone is injured on your property. By protecting one of your most significant investments  – your house  – homeowners insurance prevents unexpected expenses that could otherwise derail your financial plans.

Auto insurance safeguards against financial losses from car accidents, theft and damage. In addition to covering repair costs, it can provide liability coverage if you’re responsible for damage or injuries to others. Having auto insurance protects your finances from the potentially high costs associated with accidents so you’re not forced to dip into savings or other investments.

By making sure that you’ve got yourself and your family covered with life, home and auto insurance, you’re effectively creating a safety net that can prevent financial hardship, lower your risk of debt and bring you peace of mind for years to come.

Speak to a AAA insurance agent to get a personalized life, home or auto insurance policy.

Understandably, most Caribbean getaways involve plenty of sunning, swimming and snorkeling. But some who travel to a laid-back island paradise crave a more active vacation, where they can explore the natural landscape on foot. What better way to intimately connect with the land?  

Though many Caribbean islands are sliced by trails that easily appeal to thrill seekers who don’t mind scrambling over boulders or grabbing onto exposed roots and vines along steep inclines, other people prefer a more low-key adventure. Trekking along each of the following trio of Caribbean hiking trails will wrap you in scenic treasures, offering unforgettable sights and experiences.  

Windsor Forest, St. Croix

This 700-acre forest is threaded with well-marked trails, many taking the name of songs composed by Bob Marley (i.e. “One Love” and “No Woman No Cry”). Combining a hike on two of the paths, the Upper and Lower Spur trails, offers a good introduction to the forest along a sun-drenched loop that takes about an hour. Interpretive signage provides details on local history, plants, geology and culture. For example, you’ll learn that the spiny patches of the wild pineapple can shelter grasshoppers, while the fruit of the fiddlewood can be used to make wine. Even though this is a mostly level hike, handcrafted wooden tables, benches and even an armchair are welcome spots for a peaceful respite. As you meander about, you’ll notice Blue Mountain – the island’s second highest peak – in the distance and a watering hole used by animals, including white-tailed deer, whose tracks may be apparent. 

Coco Hill Forest, Barbados

An abundance of fruit trees, medicinal plants and herbs grow in this sun-dappled, 66-acre forest, which includes a network of loop trails, many requiring climbing up and down a series of steps. Mahmood Patel, the owner and a Barbados native, desiring to create a sustainable ecosystem, preserve biodiversity, prevent soil erosion and build a food forest, planted numerous specimens that once populated this acreage before the sugar cane plantations dominated the landscape.

On your wanderings, you’ll likely spot date and coconut palms, as well as tamarind and mamey apple trees, to name just a few of the many plants. An observation area along the Agro-Forestry Trail provides stunning views of the Atlantic Ocean, while tall tree ferns dating back to the pre-colonial period stand along the Green Therapy Trail. 

Lagadishi Walking Trail, Bonaire

Meandering through the expansive Washington Slagbaai National Park, this wind-swept, 2-plus-mile loop trail takes hikers through an arid, sun-drenched land peppered with prickly pear, Turk’s cap, Peruvian apple and other types of cacti. Though this route is short and flat, it can take up to two hours because of the heat and lengthy sections across uneven sharp coral rocks. (Bring walking poles, water and a hat.) Bird watchers will delight in spotting numerous species, such as yellow-shouldered parrots, bananaquits and common ground doves. Flamboyances of flamingos often gather in a salt lake rimmed by mangroves. An especially stunning section leads to a blowhole of ocean water and a powdery sand beach, backed by tall dunes, where green sea turtles nest from May to October. And, given that the word “lagadishi” translates from Papiamento to “lizard,” don’t be surprised by the array of these reptiles along the trail, including iguanas and the blue-tinged Bonaire whiptail. 

Book your Caribbean vacation with a AAA travel advisor.  

Do you like hiking on vacations? Share your favorite hikes in the comments below.

This article is for informational purposes only and is not financial advice.

As you inch closer to retirement, a pivotal decision awaits those delving into their tax-deferred accounts. Should you take your required minimum distributions (RMDs) monthly or annually?

The frequency of these withdrawals isn’t just a logistical choice – it plays a role in tax implications and the holistic management of your retirement funds.

By now you might be wondering: How do distributions work? Read on to unravel the critical considerations tied to RMDs like the applicable age, recent legal changes and the tax consequences tied to the timing of these distributions. It just might shape the way you navigate your finances in retirement.

What Are RMDs?

The IRS defines RMDs as “the minimum amounts you must withdraw from your retirement accounts each year.”

Calculating RMDs involves dividing your account balance by the IRS estimate of your life expectancy. Failure to withdraw incurs a hefty 50% penalty on the amount due. Your first RMD is generally required by April 1, the year after you reach the starting age, with subsequent RMDs due by Dec. 31 each year.

The RMD rule applies to these types of plans:

• Traditional IRAs
• SEP IRAs
• SIMPLE IRAs
• 401(k) plans
• 403(b) plans
• 457(b) plans
• Profit sharing plans
• Other defined contribution plans
• Roth IRA beneficiaries

What Is the Age for RMDs?

You must withdraw annually from tax-deferred retirement accounts once you hit the starting age for RMD of 72, or 73, if you turned 72 after Dec. 31, 2022, according to the IRS.

Notably, the SECURE 2.0 Act pushed the age for initiating RMDs from 72 to 73. According to this new required minimum distribution law, if you turned 72 in 2023, your initial RMD must be taken by April 1, 2025, applicable for the 2024 year. If you reached 73 in 2023, you were 72 in 2022 and subject to the age 72 RMD rule for that year.

For those inheriting IRA accounts, if the participant passed away after 2019, the entire balance must be distributed within 10 years. There are exceptions for a surviving spouse, a minor child, a disabled or chronically ill individual, or someone not more than 10 years younger than the employee or IRA owner.

Are RMDs Taxable?

Yes, RMDs from a tax-deferred retirement account, like a traditional IRA, typically count as ordinary income in the year you receive them.

The IRS dictates:

“The account owner is taxed at their income tax rate on the amount of the withdrawn RMD. However, to the extent the RMD is a return of basis or is a qualified distribution from a Roth IRA, it is tax free.”

However, if you contributed after-tax funds to the retirement account, a segment of the RMD might be non-taxable. To fully understand the tax implications of your RMD, consult your tax professional.

How Do Distributions Work and When Do You Take Them?

Retirees have the flexibility to receive their RMDs annually, quarterly or monthly. You’re not limited in the number of withdrawals you make throughout the year, as long as the minimum annual requirement is met. However, it’s important to note that any extra withdrawals beyond the minimum don’t carry over to cover future RMDs.

The decision on how frequently to receive RMDs is based on:

• Financial goals
• Budgeting preferences
• Tax planning

This flexibility allows retirees to tailor their distribution strategy to align with their unique financial goals and circumstances.

Taking RMDs Annually: Pros and Cons

Deciding between monthly and annual RMDs is a choice that demands consideration of personal financial goals, tax consequences and prevailing market conditions.

Taking an annual distribution, or one lump sum each year has several benefits, including:

• Immediate resolution of tax obligations.
• More reinvestment opportunities throughout the year.
• Maximizing period of tax-free growth for the remaining retirement account.

However, there are also several drawbacks, including:

• Potentially higher estimated taxes if paying quarterly.
• Potential cash flow disruption if retiree doesn’t effectively budget for expenses.
• Risk of missing the deadline to take the RMD.

Taking RMDs Monthly: Pros and Cons

Taking a series of smaller monthly withdrawals tends to be attractive for several reasons, including:

• Providing a steady and reliable source of income.
• Easily managing tax payments.

However, taking monthly withdrawals is not without trade-offs, including:

• Reduced growth opportunities within the remaining portfolio.
• Potential for miscalculation, especially if done without the help of a professional.

The Bottom Line

As you approach the age for RMDs, staying well-informed becomes paramount for wise decision-making. Whether leaning toward a consistent monthly income or a versatile annual approach, the most important thing is determining a distribution strategy that works with your individual preferences and financial objectives. Taking the time to plan should help ensure a comfortable and secure retirement.

AAA offers a variety of financial services that can help with retirement, including loans, reverse mortgages and more.

Travelers who sail around the world in search of fascinating destinations often forget that the U.S. and Canada offer their own thrilling must-sees closer to home. One region bursting with such treasures is the Great Lakes.

On our recent eight-day Niagara & the Great Lakes Viking expedition cruise, my husband and I were captivated by the breathtaking natural beauty of the charming cities and villages nestled between Milwaukee and Toronto as we plied the waters of Lake Michigan, Lake Huron, Lake Erie and Lake Ontario.

Book a Viking expedition cruise with AAA.

New Viking Expedition Ships

Viking Polaris and sister ship Viking Octantis were built in 2022, each designed to cruise through icy waters.

Viking is well-known for its river and ocean cruises – and many guests on our cruise were repeat passengers of both – but these two 665-foot-long ships were built specifically for expedition cruises. They sail the Great Lakes from spring to early fall, offering multiple itinerary choices. Other destinations include Antarctica and the Arctic.

The 378-guest Viking Polaris boasts a crew of 256 who provide superior service. You’ll find no crowds or lines anywhere you go on board or while getting on and off the ship.

The numerous public areas offer an abundance of indoor and outdoor viewing opportunities to take in all the sights while sailing. One such space is the Living Room, featuring floor-to-ceiling windows, intimate seating areas and a library. Here, guests can enjoy playing cards and puzzles, as well as video game tables. This is also where you can find group trivia, performances from the ship’s classic string and piano duo and a weekly dance party. Another popular spot is the Explorers’ Lounge at the front of the ship, where you can listen to listen to live music from the ship’s talented duo most nights.

When it is time to truly relax, head to the Nordic Spa. A host of treatments from massages to facials and salon services can be purchased, and entrance into the space is complimentary with or without treatments. It features an indoor heated pool (with windows, once again, out to the world beyond the ship), Nordic badestamp (wood-sided hot tub) set against a large window, snow grotto, cold bucket shower, sauna and steam room. In addition, the ship has three small outdoor pools set at different temperatures – including one that has an inside/outside pass-through – surrounded by indoor and outdoor deck lounge areas.

Spacious staterooms are designed for relaxation and taking in the Great Lakes scenery. All feature a Nordic Balcony, a floor-to-ceiling window that can be lowered with the touch of a button for an alfresco view. Stateroom amenities include binoculars for in-room use or to take with you on excursions, king-size beds (that can be converted to twin-size if requested), free Wi-Fi, 55-inch televisions, mini bars and comfortably sized bathrooms.

Dining Choices

Viking excels in culinary offerings, with wine included for lunch and dinner. The casual World Cafe buffet is open for all three meals and all-day snacks, featuring an expansive choice of international cuisines and an especially popular seafood and sushi station. At the Grill, you can request cook-to-order meat cuts, and there’s a nightly surf-and-turf option. Next door, Mamsen’s treats guests to Norwegian specialties.

Two other specialty restaurants are open nightly for dinner and require reservations. Manfredi’s offers Italian cuisine, including an impressive chicken parmigiana (don’t miss the tiramisu for dessert either.) The Restaurant’s fine dining atmosphere features regional cuisine. Room service is also available 24/7.

Excursions

A range of excursions in each port include at least one complimentary choice and usually free shuttle service for those who prefer to explore on their own. A favorite on the itinerary for us was Michigan’s car-free Mackinac Island with its Victorian-era feel, from the horse and carriage rides to its colorful assortment of homes. Another can’t-miss is the Grand Hotel, a National Historic Landmark that dates to 1887 and boasts one of the longest porches in the world – not to mention a famous buffet lunch.

We also visited the wonder that is Niagara Falls on the Canadian side. While at Point Pelee National Park in Ontario, we were able to try out the ship’s expedition toys, including its inflatable and special operations boats, skimming along the shoreline in search of birds and wildlife. Not an excursion, but a highlight of the cruise was the ship navigating through the Welland Canal in Ontario, which circumvents the powerful falls of the Niagara River.

Onboard Enrichment

There are many opportunities to discover more about the region through the unique perspective and expert knowledge of the ship’s own expedition team at Expedition Central.

At The Science Lab, developed in partnership with the University of Cambridge and Akvaplan-niva aquatic research and development institute, guests can learn and participate in research. A weather balloon launch took place during our voyage and guests were invited to watch the event and the incoming live data.

Lectures and films in the ship’s theater also brought the region of the lovely Great Lakes to life as Viking Polaris sailed along its mighty waters.  

Plan your next adventure with a trusted AAA travel advisor. Call 866-423-5585 to speak with an advisor today!

Have you ever been on an expedition cruise? Tell us about it in the comments.

Featured image: The Viking Octanis cruises through the Welland Canal in Ontario. (Courtesy of Viking)

The results of a recent AAA Northeast survey about electric vehicles shows many consumers throughout the region can’t shake their EV anxiety. Concerns about charging infrastructure, range and expense continue to fuel reluctance to commit to all-electric vehicles, and almost one-quarter of respondents wouldn’t be comfortable driving them.

To Go Electric, or Not to Go Electric?

It comes as no surprise that EVs can be a bit polarizing. Consumers reported either wanting an EV in the next decade or not at all.

More than half of survey respondents said they never plan to buy a fully electric vehicle, while 37% either already own one or predict they’ll buy one by 2035.

EV Anxiety

For consumers with no desire to make the switch from gas, it is often EV anxiety that keeps them from being swayed.

Fear of Driving an EV

Perhaps the most surprising revelation from the survey, which drew more than 1,700 responses, is that 24% of non-EV owners would not feel confident at all in their ability to operate an EV on the fly, and only 8% were slightly confident in the same situation. However, people who know EV owners were generally more confident (48% completely confident) than people who don’t (28%).

“It’s understandable that people might not feel comfortable hopping in an electric car and taking it for a spin if their whole driving career has been in gas-powered vehicles,” said Alec Slatky, managing director of public and government affairs for AAA Northeast. “It’s worth seeing if you can take a test drive at a dealership or at an EV community event to get a taste of what it would be like to have one.”

A Different Feel

Operational differences between EVs and gas-powered cars can account for some hesitation around EV driving.

EVs are equipped with a technology known as regenerative braking, a system that uses the kinetic energy of the car to recharge the battery and helps slow down the vehicle.

“This can take some getting used to as the vehicle doesn’t coast, but rather slows down when you take your foot off the accelerator,” said Brian Butterworth, senior manager for driver training for AAA Northeast. “Many EVs also offer one-pedal driving, going so far as to bring the vehicle to a complete stop – and hold it – without ever hitting the brake.”

Another big difference is acceleration. EV motors provide torque instantly, making acceleration feel quick at low speeds.

For those who are nervous about adjusting to these features, Butterworth suggested taking time to evaluate an EV and seek guidance. “Don’t approach an EV with the ‘get in and drive mentality,’” he said, encouraging potential EV owners to familiarize themselves with a car beforehand by watching manufacturer videos.

“Once you do start driving, start off slow – either in a parking lot or on side roads,” Butterworth said. “As you get more comfortable, try different settings to see how they impact the driving experience. EVs often have different drive modes, and you can often adjust the level of regenerative braking. Find the settings that work for you and in different scenarios.”

Public Charging: Locations, Charging Times and Safety

Survey respondents cited several of the same concerns that the public continues to express about EVs, including the lack of charging infrastructure and the amount of time needed to charge.

The majority of survey respondents who currently own an EV say that it takes at least 30 minutes for a car to charge at a public charging station. But consumers don’t want public charging to take more than filling up at the gas station. Even among those who expect to buy an EV in the future, nearly two thirds would prefer to spend the same amount of time charging as pumping gas or are willing to wait just 10 minutes longer.

While most respondents said they would prefer to charge at home, safety and convenience were among the priorities for public charging stations. Hotels and highway rest stops were cited as desirable charging locations. At the same time, people are reluctant to stop at charging stations that are not well lit or don’t feel safe.

“Public charging needs to approximate the convenience of gas stations if electric vehicle boosters want to convince interested consumers to take the plunge – to say nothing of the passionate holdouts,” said Slatky. “Though EV owners tend to do most of their charging at home if they can, buyers want to feel assured that their car can manage road trips just as easily as daily routines.”

The EV Push is On, But Will People Respond?

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, signaling the government’s eagerness to expand EV use, although the public still has not completely embraced the shift. 

But the push continues. Nine states are expected to prohibit the sales of new gasoline cars by 2035. People still will be allowed to purchase used gasoline-powered cars or buy new ones in other states.

“Auto manufacturers hoping to boost EV sales over the next decade have reason for optimism,” noted Slatky. “But industry stakeholders seeking a complete long-term transition to electric face serious obstacles – especially from consumers who have no desire to make the switch.”

Do you have EV anxiety? Tell us in the comments.

Nearly all adults and parents say they consider oral health to be imperative to overall health and consider dental visits a priority. However, cost is a key factor in keeping people from going to the dentist and getting the proper care they need.

If you do not have dental insurance, signing up for an independent plan may sound like just another monthly bill. But securing dental coverage can actually save you money in the long run.

Dental problems can happen at any time, and without regular checkups and maintenance, they are even more likely. Furthermore, if left untreated, small issues could snowball into problems that can quickly become painful – and painfully expensive – to treat.

Fortunately, access to affordable dental insurance is easier than ever for AAA members in Rhode Island. Whether you are self-employed, retired or do not have dental insurance provided through your employer, there are options to keep your smile fresh, clean and healthy.

Here are some of the top reasons you should consider getting dental coverage.

A Shining Smile

Even folks who brush and floss daily can develop stains, tartar and cavities.

One of the main benefits of dental insurance is access to regular teeth cleanings, a deep clean that typically includes removing plaque and tarter, fluoride treatment and an assessment for gingivitis, cavities and other oral health concerns.

Whiter teeth, a healthier mouth and fresher breath are definitely reasons worth smiling about!

Affordable Dental Care

Most dental insurance plans, like the Delta Dental of Rhode Island plans offered through AAA Northeast in Rhode Island, include 100% coverage for annual cleanings, exams and X-rays, so you don’t have to pay for these critical procedures.

Having dental insurance can also curb your out-of-pocket expense for fillings, crowns, root canals and more. Those without dental insurance often have to pay the total cost of these common procedures.

It Could Prevent Costly Procedures

Because preventive care is covered, people with dental insurance are more likely to schedule appointments as regularly as they are needed. This not only helps to stop problems from arising in the first place but could ward off costly future complications.

For instance, if your dentist notices a new cavity developing during your routine check-up and X-ray, you can simply schedule a filling. If the cavity goes unnoticed for long, it could create deeper tooth decay, creating a need for more expensive treatments such as a root canal.

A Healthy Mouth = A Healthy Life 

Your oral health is a window to your overall wellness. Health conditions like heart disease and diabetes, have proven links to oral care.

Think about it: Your gums and oral tissue include a rich network of blood vessels. These blood vessels are closer to the surface than the blood vessels in your skin (hence the pink color of your gums). Too much bad bacteria in your mouth could enter your bloodstream through unhealthy gums, leading to health issues in other parts of the body.

Your dentist will also screen for oral cancers.

Regular dental visits are important, not only for maintaining a healthy mouth, but for preventing harmful diseases. It could save your life.

Insurance Makes Life Easier 

Many dental insurers offer time-saving tools to help you find a local, in-network dentist, estimate the cost of specific dental procedures and even pay your dental bills quickly through online portals or apps.

Provides Continued Care With Age

Dental coverage is particularly beneficial for aging seniors, as the risk of dry mouth, gum infection and certain types of cavities can increase with age, according to the American Dental Association.

Seniors that invest in their own dental insurance plan throughout retirement can stay on the right track with accessibility and coverage for routine dental care and procedures.

Peace of Mind  

People with dental plans appreciate the peace of mind they provide, including regular teeth cleanings and preventive oral screenings. However, unexpected costly dental procedures can still arise.

A tooth infection can rear its head despite your best hygiene efforts. And if you or a family member has ever had an unfortunate accident that resulted in chipped or broken teeth, the last thing you want to do is worry about whether you can cover the costs of cosmetic repairs.

The benefits of having dental insurance are clear. Don’t neglect your smile. With such affordable, accessible dental insurance options available, it’s a worthwhile investment.

Learn about the perks of enrolling with Delta Dental of Rhode Island, available to AAA members in Rhode Island. 

While the Federal Reserve has not changed the interest rate since August 2023, setting it at 5.5%, it did raise rates 69% between October 2022 and October 2023, representing increases of 2.35% to 5.5%.

What does this mean for the everyday consumer? It’s getting more expensive to borrow money. While the effect of an interest rate hike on a small loan may be negligible, it can add thousands of dollars to auto loans, student loans and mortgages. Therefore, it’s never been more important to comparison shop when looking to borrow.

What Is the Purpose of Comparison Shopping?

Comparison shopping is the only way to familiarize yourself with the best available interest rates, know the selling prices of similar homes and cars and ensure you pay as little as possible on your big expenditure. Let’s look at the specific benefits and importance of comparison shopping for mortgages, auto and student loans.

Mortgages

Research shows that consumers can save an average of $600 annually on their mortgage by getting just a single additional quote. Those who receive four rate quotes could save more than $1,200 annually.

Comparison shopping for a mortgage is made easier by working with a mortgage broker, who can provide more specialization, savings and products than a retail lender. A good mortgage broker will bring valuable information to the table, such as which lenders loan money in certain areas, which ones offer a specific type of mortgage and which welcome or avoid certain types of homes such as co-ops, condos or multi-family homes.

Brokers work off of a wholesale price sheet, which offers consumers large credits for positive attributes of their loan. For example, someone with excellent credit and a larger-than-normal down payment could be eligible for thousands of dollars of savings using wholesale pricing. These incentives are often considered extra profit for a retail lender but when using a broker they can be passed on to the borrower to offset closing costs.

Mortgage brokers often negotiate better terms and pricing with lenders throughout the process because they bring multiple loans to the lender’s doorstep each month. The lender does not need to expend resources on the loan origination, so these savings can be passed on to the borrower.

Working with a mortgage broker also makes for a more seamless process. Brokers collect detailed credit profiles of their clients and match that profile to a list of multiple lenders. This gives the borrower the advantage of negotiating better terms throughout the mortgage process without starting over.

If someone applied to a retail lender and there was a problem with qualifying for a particular loan, the borrower may have to start the entire process over with a different lender. In the case of a broker, all the borrower’s information is maintained in a single credit file and can be easily transferred to a new lender to save time and money.

Get expert mortgage help with AAA.

Auto Loans

Buying a car and getting financing should always be thought of as two separate transactions.

Shopping for financing ahead of time ensures you are getting the best rate and terms. If you can arm yourself with a loan before you head to the lot, you will be in a much better negotiating position – and save yourself a lot of money in the long run. You can usually apply for a bank loan even if you don’t have a specific car picked out yet. The knowledge of available auto loan rates will significantly increase your negotiating leverage when it comes time to buy your new car.

Comparison shopping for auto financing also provides the opportunity to get preapproved by a lender. Knowing how much you’re preapproved for can help avoid spending more than you planned and wasting time shopping for cars out of your budget. Some automakers’ finance companies also allow you to apply for preapproval – but you’ll be limited to buying one of the car maker’s vehicles. This isn’t the most effective strategy if you have your eye on vehicles from different brands. 

Maybe most crucially when it comes to the car-buying market, starting your financing homework early will put you in a position to act fast. The market is very competitive. When you find the car (and price) that’s right for you, you need to be prepared to strike.

Learn about AAA’s auto loan products.

Student Loans

When it comes to financing your higher education, you should always start by searching for scholarships and grants. These are ideal because it’s money you won’t have to pay back. Next, apply for federal loans, which have flat interest rates.

If more financing is needed after these steps are completed, you can begin researching private loans. The importance of comparison shopping can’t be stressed enough. It’s a simple step that will help you find the best loan for your situation. There are several factors to consider, including repayment schedule, the number of years to repay and co-signer requirements.

It’s never too early to begin the process. With interest rates rising, applying for a private loan just a month or two earlier could save you thousands of dollars over the long haul.

Find out about AAA’s student lending options.

And as always, AAA is here to help you save and answer all of your questions. Visit AAA.com to learn more about low-rate auto, home and student loans offerings.

This article is for informational purposes only and is not financial advice.

Everyone makes mistakes with money. However, the stakes are higher as you near retirement. 

Financial errors are easier to bounce back from when you’re younger, thanks to the potential for extra income through earning power or compound interest. Yet retirees rely primarily on their nest egg, so efficiently and effectively maintaining it is crucial.

Successfully transitioning into your golden years involves careful consideration of these money mistakes to avoid in retirement. It also calls for continual reassessment and recognition of what not to do in retirement, which requires organizing finances to sustain income through market fluctuations and evolving needs.

Read on to discover seven prevalent retirement mistakes, based on the most recent Natixis Global Survey of Financial Professionals, featuring insights from 2,700 financial professionals across 16 countries. Proactively learning about potential retirement challenges can help you effectively navigate and secure your financial future.

7 Money Mistakes to Avoid in Retirement

Underestimating Your Longevity

The word retirement conjures images of exciting trips, exploring hobbies and cherishing moments with loved ones. While immediate satisfaction and contentment are essential, ensuring your retirement strategy accounts for potential needs in the distant future – perhaps extending beyond 30 years – is equally crucial.

Many individuals, however, need to pay more attention to the duration of retirement. In a 2022 survey by the TIAA Institute, a quarter of Americans miscalculated the life expectancy of a 60-year-old, while 28% admitted they didn’t know it. But human longevity continues beyond 60. Social Security projections indicate that an American retiring at age 65 can anticipate living until age 85. Therefore, if you’re retiring at age 65 and enjoy good health, planning for more than 30 years is a prudent approach.

Underestimating Health Care Costs

Longer life spans also create another consideration: More health care costs. Of course, we all hope for a healthy retirement. Yet, unforeseen health challenges are practically inevitable as we age into our 70s, 80s and even 90s.

Recent studies have found that a significant amount of retirement money often ends up going toward medical bills. Incorporating a buffer for these costs, diversifying investment accounts and exploring long-term care insurance can help you avoid an unexpected, rapid drain in savings due to health care needs.

Overlooking Inflation

Retirees also tend to underestimate the erosive impact of inflation on their financial well-being. It causes living expenses to climb, and neglecting this factor in financial planning may lead to a reduced standard of living during retirement. To counteract this, retirees should consider integrating an inflation rate into their retirement plan. Each retiree’s situation is unique, and considering the impact of inflation is essential for maintaining financial security throughout retirement.

Over-Reliance on Social Security (and Taking It at the Wrong Time)

Social Security is a crucial component of retirement planning, providing income that can alleviate the need to draw extensively from your portfolio. However, relying solely on Social Security is a common error, as it’s designed to replace only a portion of pre-retirement income. To fortify your financial foundation, diversify income sources by supplementing Social Security with pensions, investments and retirement accounts.

Additionally, it may sound tempting to begin receiving Social Security retirement benefits as early as age 62 but doing so before your full retirement age, which 66-67 years old, depending on the year you were born, reduces your benefit. Strategically timing Social Security can influence your withdrawal rate, ensuring a more stable and sustainable retirement income.

Failure to Adjust Investment Strategies

Ensure a smooth transition to retirement by adjusting your investment strategy to balance both short-term cash needs and long-term goals. Create a well-rounded and secure portfolio based on your risk tolerance and goals, using tools and strategies like:

• Asset allocation
• Rebalancing
• Target date funds

While keeping some funds in growth investments is wise, you’ll want to take a more conservative investment approach in retirement. This shift protects against significant losses while providing a reasonable level of growth. You may want to consult a financial professional for guidance.

Overestimating Your Income in Retirement

A 2023 analysis from the Center for Retirement Research at Boston College revealed that 28% of households wrongly believe they are ready for retirement.

You can gauge the retirement preparedness of your household using online retirement calculators for a preliminary assessment. Those seeking a more detailed evaluation or personalized plan should consult a certified financial planner.

The 4% rule is a good general guideline for how much of your savings to spend each year to last through retirement, though part of its success is being flexible and ready to adapt to market changes and evolving financial needs. Relying solely on fixed rules is not always sufficient.

Holding Too Much of Your Portfolio in Real Estate

Many individuals invest heavily in their mortgages over a lifetime, accumulating substantial home equity by retirement. Additionally, the initial excitement of retirement might lead some to consider second homes. However, with grown children likely moved out, downsizing offers a chance to sell the house, opt for a more affordable home and allocate the remaining funds for a predictable income stream.

If maintaining large properties is still preferred after considering these options, retirees must weigh the ongoing costs of property ownership beyond a mortgage payment. These include:

• Taxes
• Utilities
• Maintenance
• Insurance

To ensure financial stability, it is always a good idea to prioritize essential needs and postpone significant expenses until you have a clearer understanding of long-term finances.

AAA offers a variety of financial services that can help you save for retirement, including loans, reverse mortgages and more.

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

It can feel like technology has replaced everything, especially when it comes to how we travel. For discovering a nearby place to eat or finding the fastest route to your destination, the trusty spiral bound map in your seat pocket has become the Maps app on your smartphone.

Nevertheless, people still seek out paper maps. They evoke an aesthetic and wonder that you can’t get from a small screen. Plus they don’t need to be charged and they don’t use your data.

TripTiks Then and Now

AAA has a grand tradition of paper maps through TripTiks, which have guided generations of travelers.

In the days before Google Maps, Google, or even the internet, a traveler would go to their local AAA branch to plan a road trip. This AAA member would tell the office where they were starting and their intended destination. An agent would draw the route with a highlighter on a series of numbered maps, going through the route with the driver before they started. The end result, a guided route through a series of maps, was called a TripTik.

A quick origin story: in the early 20^th century, most roads were dirt and gravel. AAA produced strip maps so early drivers would know which roads were useable. The first modern TripTiks — spiral bound notebooks filled with maps — were made in 1937, and AAA started mass production the following year.

These TripTiks were customizable too — AAA would also point out sightseeing, amusement parks, construction, heavy traffic, rest stops, gas stations and all other points of interest to the traveler as well, and note as many or as few as the traveler chose.

Does AAA Still Do TripTiks?

AAA still offers physical TripTiks and paper maps at branch offices. They’ve also gone digital if you’d rather DIY.

You can plan road trips with the help of the AAA Mobile App too, which can help you find AAA Diamond-designated hotels and restaurants and attractions along your route, plus parking and more. It even lists current gas prices.

Al Roker mentioned TripTiks on “Today”: 

Mobile Maps Are Good but Not Perfect

Not to rag on smartphones, but they don’t always work for navigation. Don’t get me wrong – I use my mobile device to get places all the time. Google Maps is one of my most-used apps. I would get lost a lot without it.

However, mobile maps have let me down quite a few times, most memorably when I was driving upstate to meet friends. The app quit on me, and I had to pull over to get my phone working again. That was not what I wanted to do while driving in an unfamiliar area. And my friends were not happy that I was an hour late.

Phones get confused. Sometimes they get stuck on a location and refuse to move on. Literally. Sometimes you don’t have a signal, especially in rural areas. Phones are also delicate; they can’t function if they get wet or overheated.

And too often, phones run out of battery and die. That’s why it’s a good idea to have a paper map as well. It never hurts to have a backup plan.

Maps Get Personal

Besides, map reading is an important skill, especially if you’re in an unfamiliar area.  If you can find where you are, you can find a way out. This is best practiced with paper maps.

Not to brag, but I’m pretty good at reading maps. I credit those skills to middle school Science Olympiad. (Science Olympiad is a school science competition, by the way. It’s like Mathletes, but for science.) In my main event, “Road Scholar,” I had to read topographic maps to answer questions, calculate distances and find points of interest — with a time limit. It’s great practice for real life navigation.

To this day I’m an excellent map-reader, thanks to spending a lot of time with a map in front of my face. I’m the go-to GPS reader on road trips and paper maps get handed to me on family vacations. I didn’t ask for this, but I’m not complaining.

Besides, maps make excellent vacation souvenirs. It’s a sweet way of knowing exactly where you went.

There’s Poetry in Paper Maps

In the end, there’s something beautiful in using a paper map.

What’s more majestic than hiking through the great outdoors with a giant map spread out in front of you, echoing the terrain in your path? With a paper map, we see more of our surroundings, less of ourselves. Unlike an app, the map isn’t focused on you. You have to find yourself. It’s almost poetic.

To quote the musical “Fun Home,” maps show you what is simple and true. Paper maps are visceral — you can feel a map, you can move it around, touch it. They’re beautiful and aesthetically pleasing.

Around the world, paper maps are still the preferred choice of many travelers. Hikers also rely on them.

So the answer to the question, “Does AAA still do TripTiks?” is that AAA is here to help, no matter how you prefer to travel. So get out your map (or phone) and start exploring.

When was the last time you used a paper map? Tell us in the comments below!

Let AAA help you to plan your next road trip and get you where you want to go. TripTiks, maps and tour books are available by request at your nearest AAA branch. 

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

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IN THIS EPISODE

For many prospective homeowners, buying your first home can be as daunting as it is exciting. You are likely asking yourself a ton of questions:

“How do I pick a realtor?”

“What does an underwriter do?”

“How much should I spend on a down payment?”

Navigating the homebuying process can be overwhelming, but we are here to help! Steven Vieira, Director of Mortgage Sales and Operations for AAA Northeast, and Monica Soyemi, Residential Real Estate Agent in New York and YouTube Creator, are here to demystify the real estate game.

Grab a pen and paper, you are going to want to take notes!

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KEY TAKEAWAYS

[1:49] – The first step you need to take when buying a home
[7:13] – The lowdown on down payments, and other costs to be aware of
[14:34] – How to stay focused and properly assess a property
[15:32] – The process in making an offer

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TRANSCRIPT

[00:00:01]
Amanda Greene: I was just talking to a friend of mine who is currently in the market to buy a house, and I felt like it was only right to share what we just went through like two years ago when we bought this one. It’s so much to manage and to be honest, I’m not sure I still fully understand everything we did and everyone who was involved. There were so many people and the process itself is a lot. It’s financial and emotional, and coming to terms with how much you want to spend and should spend isn’t easy. But then walking into a house and being able to picture yourself in it with friends and family, it’s so exciting, but there’s a lot to know. Welcome to Merging Into Life, where we navigate life’s milestones one episode at a time, brought to you by AAA Northeast. I’m your host, Amanda Greene.

Today, we’re going to delve into the ins and outs of buying your first home. Whether it’s a condo, single-family house, or an apartment, there are some basic things to know when you make what is probably the biggest purchase of your life. So join me as we explore the wild world of homeownership from the financial side to picking out the right house for you, plus a guide to all the people you’ll need along the way. To walk us through what you need to do and in what order, we’ve got Monica Soyemi with us. She’s a residential real estate agent based in New York City, as well as a YouTube content creator. But first, let’s talk to Steven Vieira, Director of Mortgage Sales and Operations at AAA Northeast. All right, Steven, this is a big one. There’s so much that goes into buying your first home and I’m sure we’re going to have lots to talk about. But first things first, where do we even start? What’s the first step?

READ MORE

[00:01:49]
Steven Vieira: Like we like to say here, it takes a small village to bring you through the process. Typically, a lot of people start with the real estate agent. But what my recommendation would be is really to start on the lending side first and maybe even look personally at your own monthly budget, so what fits your monthly budget, before you even approach the lender and ask them what you think the bank will qualify you for. What I’ve found throughout my career is that the bank usually can qualify someone for more than what they are comfortable with paying. How is your credit score and do you know the ranges that it should be?

[00:02:25]
Amanda Greene: Head to the show notes for more information, including what you need to know about credit scores.

[00:02:30]
Steven Vieira: That’s something that just recently in the last few years has changed dramatically. If I go back five, even 10 years, a good credit score was usually over 700. Now, in modern day, it’s really closer to 800. I like to say start with a monthly budget, then approach the lender. Try to get a pre-qualification done where you’ll know where you’re comfortable and where the bank is comfortable lending you the money. From there, selecting a good real estate agent, looking at an insurance agent, as well as, as you get closer to the process, finding a good company that will stand behind you that’ll protect the home.

[00:03:09]
Amanda Greene: Any other professionals we’ll meet along the way of the home buying process?

[00:03:13]
Steven Vieira: Well, there’s always the closing agent, so there’ll be an attorney involved when you show up to closing. Normally, that’s someone that the lender will select. But in certain states, you have the right to select an attorney to represent your interest because typically that attorney will represent the lender’s interest. Even though your interest and the lender interest often coincide, you both want to have clear title to a home, you both want to have the process go smoothly, and you want everything that you’re signing that day to be explained to you. So a good attorney is someone that will make the process much easier for you in the long run.

There’s also different levels at the lender. So there’s the processor, there’s the underwriter, and knowing what each one does is going to be important because a processor is there to collect your documents. They’re there to help you with the process to make the loan package look the best that it can be before it’s delivered to the underwriter. The underwriter is somebody that normally you don’t talk to. They are working behind the scenes. And what you’re doing is you’re trying to present the best case possible for your financial situation in order to get approved for the loan, so it’s very important that you work with both the processor and the loan officer in that transaction to get that financial picture polished.

[00:04:36]
Amanda Greene: There’s a lot of people involved in the process of buying a house, but all of these other people along the way, are these people that your lender and your real estate agent will introduce you to for the most part, or are we having to go out and seek these 10+ people on our own individually?

[00:04:51]
Steven Vieira: Well, rely on your loan officer and a good real estate agent to point you in the right direction to set a lot of these services up. As far as the lender is concerned, selecting a lender is just as important. You want to make sure that you’re going with somebody you trust. Here at AAA, we act as a broker in the transaction so we work with many different lenders, and that could be a huge advantage where the loan officer will know the different programs, whether it be first-time home buyers, FHA program, or possibly a Veterans Administration loan. For people that have been in the military and have received their accreditation to do a VA loan, that’s a very unique program where you could put no money into the transaction. And today, that’s becoming extremely important for a lot of first-time home buyers that are seeing these home prices rise and they’re not able to come up with the down payments that they had in the past.

So you could be a first-time home buyer and maybe a first-time home buying program is not right for you because you’ve gone ahead and you’ve saved a little bit more than what, typically, you see in those programs. So a first-time home buyer program is typically 3. 5% or 3% down, or even less in some cases. But if you’ve saved more than that, you may get into what’s called just conventional financing, which has better rates and terms sometimes. So it’s very individualized on the types of programs that you’d be looking at, but in general, you’d be looking at conventional financing. So looking at different programs and products, I think, is one of the areas where your loan officer, if they’re working for a broker and can look at different lenders for you and point you in the right direction, that’s going to be very important.

[00:06:35]
Amanda Greene: I have seen on Instagram a million times people joking about how if you’re in the process of buying a home, you definitely should not be making any big expenses throughout the process, right? Wait to get a new car. Wait to take out a new credit card. When you’re in this process of buying a home, don’t do anything crazy with your finances.

[00:06:55]
Steven Vieira: However, life gets in the way sometimes. So if your car dies and you need a new one and that’s your only source to get to work, which is producing income, which makes the loan happen, I would put a caveat to that. Try not to make any big purchases. Make sure that if you’re going to do something big, just make sure you consult your loan officer before you do it.

[00:07:17]
Amanda Greene: It always comes right back to the budget, which is a necessary thing, but we have to talk costs. And through the home buying process, there are a lot of expenses that, having never done it before, can be surprising, right? You don’t know what you don’t know, and so there are a lot of costs along the way. So I would love it if you could help break down those costs. For example. How do you determine how much you should spend on a down payment?

[00:07:44]
Steven Vieira: Well, that’s a great question, and a lot of people ask me that, and my answer is pretty much always the same. If you can save 20%, save 20% because that’s going to give you the best products available, it’s going to avoid something called private mortgage insurance, which is insurance for the lender against you defaulting on the loan. So it’s insurance that really doesn’t help you at all, other than the fact that it’ll allow you to put a smaller down payment down than 20%. Now, most people don’t have 20% nowadays so it’s understandable, but it does go in increments. So if you can put a 10% down, if you can put a 15% down, a 5% down versus a 3%, the bigger the down payment, the better it is. And what you’re saying brings up a good point.

Read more: Why You Should Get Prequalified For a Home Mortgage

At this stage, you’ve kind of worked on your monthly budget and you’ve figured out, “How much I can afford each month.” You should really start to look at having a budget for the purchase of this home because you’re going to have the down payment, then you’re going to have the traditional closing costs, so you’re going to pay for that attorney, the credit check, the title insurance, the recording in the town hall. There’s a myriad of costs that go with buying a house other than the down payment so you’re going to need to save for both of those buckets right now.

And then you’re also going to have those settling in costs and those ongoing costs that now, maybe you need to buy a lawnmower for the new home. You’re going to need to look at home insurance and other ongoing costs that you’ll see in the future. Taxes are a big item as well. So you want to make sure that you’re not only doing your monthly budget, but you’re also doing a budget just for the purchase of this home to make sure that you have enough saved for these costs and then kind of a cushion after the fact. Because what inevitably happens is you fall in love with that house and you go ahead and you purchase it and you move in. And then that first day, you find something that needs fixing or that shag carpet from the ’70s that you don’t want to see anymore, you want to take that out. So you want to have kind of a cushion after all of these other costs are paid so that makes the first year in your home enjoyable.

[00:09:55]
Amanda Greene: Absolutely. You want to be able to make that first house, apartment, condo, or whatever you’re buying into a home. Thanks for that great financial advice, Steven. He’ll be back later. Now, let’s get into the most important points in picking out the best home for you.

[00:10:12]
Monica Soyemi: Hey, everyone. My name is Monica Soyemi. I’m a realtor, real estate investor, homeowner here in New York, and I am really excited to be here today.

[00:10:22]
Amanda Greene: How did you get into real estate?

[00:10:24]
Monica Soyemi: It was such a funny journey actually. So before real estate, I was a professional opera singer, so I traveled the world singing. And when COVID happened, I realized I wasn’t able to sing anymore. So I’m thinking, “Oh my gosh. I can’t travel and sing. What am I going to do?” So I started researching ways to create income that wasn’t necessarily connected to a job, found real estate. So I bought my first property and then I said, “Hey, I really like this.” My agent was super helpful and I said, “Hey, maybe I should become an agent,” and I guess the rest is history.

[00:10:52]
Amanda Greene: Oh my gosh. That’s amazing. Did you just say you were an opera singer?

[00:10:55]
Monica Soyemi: Literally opera, yes.

[00:10:57]
Amanda Greene: How about I ask you a question and you answer it in song.

[00:11:00]
Monica Soyemi: Okay. Let’s do it. Let’s do it.

[00:11:01]
Amanda Greene: Ooh. Okay, I love this.

[00:11:01]
Monica Soyemi: Oh my gosh.

[00:11:01]
Amanda Greene: Okay, great. Let’s see. Tell me a little bit about you and what you like to do for fun.

[00:11:08]
Monica Soyemi: I love to travel, 30 countries.

[00:11:19]
Amanda Greene: Monica! You are amazing.

[00:11:19]
Monica Soyemi: Thanks. Oh my gosh. That is so fun.

[00:11:21]
Amanda Greene: I couldn’t have an opera singer on the show without at least a short song, but let’s get down to the business of choosing your first home. Paying for it is one thing, but committing to a home can be so incredibly nerve-wracking, so let’s get some inside tips. We hear a lot that first-time home buyers often have to make compromises. You’re not going to get everything you want in your first home. You can dream really big. Is this something you find to be true, and if so, how do you manage expectation?

[00:11:51]
Monica Soyemi: I definitely find that to be true. Even today, I’m showing a client a home upstate and the home isn’t exactly perfect, but it has the majority of what she wants. I say it’s kind of like dating. The home, as long as it’s got 70-80% of what you need, we can work on the rest. So in this case, it’s got the school district she wants. It’s got the style of home that she wants. It’s got the space that she wants. The bathroom may need some updating. The kitchens may need some updating. And those are all things that you can address over time. Those major things like how far it is from work is something that may not be compromisable, something like the school district for your family, something like the costs of living. The neighborhood, the area may not be something you can compromise on. But painting, we can change the color of the cabinets.

[00:12:38]
Amanda Greene: It’s always so funny when you’re watching those home buying shows and the couple comes in and there’s this beautiful home that meets all of their expectations, and then they come into a bathroom that’s pink and they’re like, “Ugh, no. The bathroom’s pink. No way.”

[00:12:50]
Monica Soyemi: Yes.

[00:12:51]
Amanda Greene: You can paint the bathroom.

[00:12:53]
Monica Soyemi: Exactly. 100%. And I love to remind my clients this. Sometimes, even the exterior of the house is a weird, wonky, pink color, but you can even paint the exterior of the house. There’s so many things that a nice coat of paint, some nice updated fixtures can really do to make your house a home.

[00:13:10]
Amanda Greene: A really important step in buying your first home is working with an agent, and it kind of feels like there are so many.

[00:13:19]
Monica Soyemi: Yeah.

[00:13:19]
Amanda Greene: And you’re fed all of these on social media, like different agents promoting themselves. And even if you do a quick Google search, there are just so many. So how should a prospective buyer choose a real estate agent?

[00:13:32]
Monica Soyemi: I always like to recommend getting a referral. Referrals are always the best. If you have a family member who’s bought a home before, or a cousin or a friend who has had a good experience with their agent, referrals are always best. Most of my clients come from referrals. People who had a great experience with me and they said, “I loved Monica. I know you’re looking to buy or sell. Reach out to her.” And also, social media. You can kind of cut through a lot of the noise sometimes by just seeing agents who are just sharing information online, not necessarily looking for business, but they just want to be helpful.

[00:14:02]
Amanda Greene: This is such an exciting move in life, and the excitement that you feel when you walk into a home and you feel, “Oh. This could be it,” right?

[00:14:11]
Monica Soyemi: Yeah.

[00:14:11]
Amanda Greene: And your heart is in it.

[00:14:12]
Monica Soyemi: Yeah.

[00:14:12]
Amanda Greene: You have to do that, right? You have to picture yourself in it and sort of get a little attached to even be able to make the next step to make an offer. But it’s important to also not get too attached because you never know …

[00:14:24]
Monica Soyemi: Exactly.

[00:14:24]
Amanda Greene: What’s behind the next closed door or what’s in the foundation. So do you have a checklist for people that they can use to kind of stay focused and really consider if the property they’re looking at is right for them?

[00:14:38]
Monica Soyemi: Yeah. So every time I go and see a home with a client, I ask them a couple of questions. What would you rate the home, scale of 1- 10, and why would you rate it that? And when we go through the list of why they would or wouldn’t, I ask them, “Is that something that you would consider a deal breaker? Is that something you could not live without?” And after we review and we see that, “Oh my goodness. The home has Y and Z, but it doesn’t have X,” we’re able to really make educated decisions. So I always tell my clients if it’s got at least 70%, we should put it in an offer. We’ve got to really address what are you willing to do in terms of rehab or no rehab. Or sometimes, clients want to see a home two hours away from their job. But during the first meeting, we said, ” You don’t want to drive further than an hour.” So a lot of the times, we can cut our losses and cut certain showings and certain emotional ties when you can just keep the blinders on for the clients.

[00:15:31]
Amanda Greene: Okay, this is the biggest part now: making the offer. It’s a big deal.

[00:15:35]
Monica Soyemi: It’s a big, big deal. When it comes to writing offers, it’s not as complex as a lot of social media can make it seem. So step one is really getting that pre- approval. So pre-approval is when you go to the bank, you submit your financials to a mortgage lender, and based off of your financials, they will tell you, “Hey, I’m going to lend you, Amanda, up to $500,000 based off of your income, your credit, your debts.” You’re going to hear the word “DTI” a lot as well, debt to income. So you get your pre- approval letter from the bank first, we see a home that you like, and from there the next step is writing the offer where we’re going to outline what is the purchase price, what we’re offering.

We’re going to outline how much money you’re going to put at the contract signing. That’s called your earnest money deposit. We’re going to let them know when we plan to close. We’re going to also let them know if we have any contingencies, which essentially means is there anything that would cause you not to move forward with this purchase? And we also will let them know if there’s any concessions we’re looking for or any additional information that the seller should know before they select our offer. So we have a document that states all of those terms. We have a document attached to that as the pre-approval. We send that together in an email to the seller’s agent. And now, you have just submitted an offer.

[00:16:52]
Amanda Greene: Thanks, Monica. Let’s bring Steven Vieira back. Before we go, on average, how long does it take to buy a home right now?

[00:17:05]
Steven Vieira: It’s different for every person and how prepared they are. I find that in most cases, in a normal environment, you’re looking at 60-90 days before you purchase a home. This environment is a little bit more difficult because as we’ve seen post-COVID, the prices of housing and the limited availability of housing out there, we’ve seen people in the process for six, eight, even 12 months at this point. But again, if you’re working with a loan officer and you’re understanding what you need to keep, your pay stubs, your W2 forms, your bank statements, you’re keeping these fresh and in the process with the loan officer, then you’re going to find that it gets easier as you go along.

[00:17:46]
Amanda Greene: Keeping your paperwork up to date is important. That’s good to know. So the last step of each episode is a short quiz we like to give our lucky guest. Today’s is called “What should we do if?” Are you ready?

[00:17:59]
Steven Vieira: I am ready.

[00:18:01]
Amanda Greene: What should you do if you find your dream home, but it’s slightly above your budget? Should you A, stretch your budget and go for it, B, look for ways to negotiate the price or find alternative financing options, or C, settle for a cheaper option?

[00:18:18]
Steven Vieira: Oh, boy. I guess that depends on your personality. This is one of the few situations where I would say A, stretch your budget and go a little bit higher, as long as you’re not going too high. I’ve yet to find anybody that has bought a house and stretched a little bit further, 10 years into the future, that regretted that decision.

[00:18:37]
Amanda Greene: Just to be clear, Steven’s thoughts on budgeting are based on his own personal journey. It’s not to be taken as financial advice. I think that one is definitely a personality thing because I would not have said A.

[00:18:49]
Steven Vieira: Most people would be more conservative. And honestly, I’m a very conservative person myself. When it comes to investing, I’m very conservative. But when it comes to a home, I made that leap. Me and my wife made that leap and we were very happy that we did that. Even though we struggled that first couple of years, it worked out in the end for us.

[00:19:08]
Amanda Greene: What should you do if, during the home inspection, significant issues are found? Should you A, ignore the problems and hope they won’t be too costly in the future, B, negotiate with the seller for repairs or a lower price or C, walk away and search for a different property?

[00:19:27]
Steven Vieira: That’s a great question, and sometimes it’s B, sometimes it’s C. Generally speaking, it’s B. So if, during a home inspection, we found that the foundation is deteriorating, well that could be a deal killer altogether because a foundation is extremely important and expensive to replace. It could be more than the cost of the house itself. But generally speaking, we find that if it’s a roof, if it’s a furnace, those things can be negotiating and can be worked on, and everyone will be happy in the end. Those bigger items, that’s where you get into C where maybe you want to run.

[00:20:03]
Amanda Greene: Okay, Steven. Last one. What should you do if you’ve found a home that meets all your criteria, but it’s a seller’s market with fierce competition? What’s your strategy? A, offer above asking price to secure the property, B, make a compelling offer with personalized touches to stand out or C, wait for the market to cool down before making an offer.

[00:20:28]
Steven Vieira: Well, I would definitely say B. If you can personalize it, there are a lot of sellers that respond to that. A lot of people, I’ve heard, think of a letter to the seller as kind of a corny thing to do, but not in my mind. If you touch the seller’s heart, they’re going to bend over backwards to help you out.

[00:20:45]
Amanda Greene: And by a compelling letter, do you mean explain that you want to raise your future family there and all the things that you dream about doing in the home, in the backyard? That’s what you’re talking about?

[00:20:55]
Steven Vieira: I know from experience. I sold my aunt’s house, it’s been almost 15 years ago now, and we had several offers on the table. And it was me and my five cousins that were selling my aunt’s house. So to us, the difference in sale price was not that big a deal. It wouldn’t have made a difference in my life or their lives, but we went with the one that had the letter and we still keep in touch with that person today. They went to the school system that they wanted, they raised their family there, and it’s just a nice thing to have that connection. So it works.

[00:21:32]
Amanda Greene: That’s really special. I’m also very corny so I would go with the letter writing myself as well. Thank you so much for sharing all of your expertise in this area because the process of buying a home for the first time is a lot and you want to make sure you have the right professionals around you to guide you, so thank you for walking us through the process.

[00:21:52]
Steven Vieira: Well, thank you. I appreciate your time.

[00:21:55]
Amanda Greene: As with most big or, in this case, massive purchases, get your finances and order first and check your credit score. Find a lender and then find a realtor. Ask around. Get recommendations for people your friends and family have had good experiences with. Think about what’s important to you and your family and stick to the plan. Don’t let an impressive home suck you into a way-too-long commute or a lifetime of renovations that you do not want to do. Then, be patient and enjoy the ride. I’ve got so much good information to pass on to my friend. But now that I think about it, I’m just going to share the link to this episode.

You’ve been listening to Merging Into Life, where we navigate life’s milestones one episode at a time, brought to you by AAA Northeast with assistance from JAR Audio. I’m your host, Amanda Greene. If you’re learning as much as I am, follow us wherever you get your podcasts. And leave a review, we’d love to know what you think. Email us at podcast@AAANortheast.com. 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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RESOURCES

AAA Mortgage Products

AAA Homeowners Insurance

Mortgage FAQ

Real Broker NY LLC

First-Time Homebuyers’ Guide

Why Use a Mortgage Broker

How Much to Put Down on a House

How to Be the Best Mortgage Candidate

How to Build Your Credit Score

Types of Real Estate Agents: A Handy Guide

Why You Should Get Prequalified For a Home Mortgage

You Bought (or Sold) a House! What to Expect on Closing Day

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Want to Learn More? Drop Us a Note

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

We all know that it’s dangerous to text or check an email while you’re driving. That’s been a well-known fact for over a decade. But what about other forms of distracted driving?

If you use social media, you’ve likely seen videos on TikTok, Instagram or YouTube where a person is talking to the camera while driving. This dangerous behavior is hardly new, and as crazy as it might seem, it’s not as uncommon as you might think.

Distracted Driving

Any type of distracted driving is risky. Looking down at your phone for five seconds to send a quick text is like driving the length of a football field blindfolded, and taking your eyes off the road for only two seconds doubles the chance that you will be involved in a crash.

An average of nine people are killed every day in the United States because of distracted driving, according to the National Highway Traffic Safety Administration. And one in five people who are killed due to distracted driving are pedestrians, including people walking and bicyclists. This means that when you text or look at your phone while you’re driving, you’re not just risking your own life. You’re risking the lives and safety of everyone around you.

There are three types of distracted driving: visual, manual and cognitive.

• Visual distraction is when something causes you to take your eyes off the road. It could be something like glancing at your phone, looking at houses on the side of the street or trying to find your favorite song on the radio.
• Manual distraction is when you take your hands off the wheel for any reason.
• Cognitive distraction is when your mind is so distracted by something that you’re not even thinking about driving anymore, you’re just going through the motions. Have you ever arrived at a location with no memory of driving there? That was cognitive distraction.

Teens and young adults are especially at risk of distracted driving.

The Ultimate Distraction

Holding a phone to film yourself while driving is extremely dangerous – it combines visual, manual and cognitive distraction.

“This is a challenging problem to quantify because many crashes could have been caused by a distracted driver who is filming themselves, but unless people actually see it happening or the driver admits to it, it won’t get classified as such,” said Mark Schieldrop, senior spokesperson for AAA Northeast. “But I think it’s safe to say that the practice is increasing based on social media and even television where it’s very common to see people talking to their phone when it’s mounted in the car. Whether they’re livestreaming, FaceTiming or recording videos to post later, it’s a highly distracting activity that will increase the risk of causing a crash, no question.”

Taking Action

More states are specifically targeting filming while driving. A bill banning drivers from filming, recording or broadcasting while driving passed Massachusetts’ state House of Representatives in July 2024, and was moving on to the Senate. Georgia and Washington State have banned watching videos while driving and even TikTok has posted videos warning users not to go live while driving with the camera facing forward.

Giving your phone to your passenger to film you or mounting it somewhere on your dashboard can be equally distracting. If you’re filming a video, you’re putting yourself in performance mode, and you aren’t able to concentrate on the road in front of you. While your hands might be on the wheel, you’re still engaging in visual and cognitive distraction. If you still want to film a video in your car, you can always keep the car parked.

AAA recommends keeping your phone out of sight while driving. Stow it away, turn it to airplane mode or activate call/text blocking features like Do Not Disturb.

“Unfortunately, people seem to believe that as long as technology is hands-free, it’s safe,” Schieldrop said. “But the reality is that hands-free does not mean distraction free. Even if your eyes are fixed on the road, if your brain is caught up in a phone conversation, your mind is not completely focused on your driving. Add video recording to the mix and you’ve got an even more dangerous situation.” 

How do you resist using your phone while driving? Let us know in the comments below. 

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

When the summer heat won’t let up and all you want is something to cool you down, a sweet treat usually does the trick! And when that sweet is combined with flavors from a firepit favorite and doesn’t require any baking, you certainly have a winner.

We present to you, this easy and delectable s’mores icebox cake inspired by a recipe from Food 52. What makes it so easy? We modified our recipe for less prep, using instant pudding to save on time and avoid the stovetop. Ice box cakes in general are wonderfully simple in that there is typically no oven involved in their creation. All you need is a baking dish and a refrigerator to make the finished product that looks pretty similar to a regular cake, but with a lot less work (and sweating).

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Just from its name, you could probably guess at least two of the ingredients needed for this s’mores cake – and you’d be right!  – but there are a few items you’ll need that aren’t necessarily synonymous with the quintessential summer sweet.

In order to create your icebox cake’s frosting and one of its layers, you’ll need 2 cups of heavy cream and four generous scoops of mascarpone along with a dash of vanilla extract. For the chocolate layer, you’re more than welcome to make your own chocolate pudding, but we couldn’t bear to turn on the stove, so we turned to Kozy Shack. The last two ingredients are, you guessed it, graham crackers and marshmallows. We chose mini marshmallows for our cake as they’re perfectly bite-sized for the filling layers, but feel free to use the large variety for the cake’s topping as a final touch.

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Assemble

Start by lining your baking dish (an 8×8-inch square or loaf pan will work best) with plastic wrap, leaving the edges long on the sides. Set aside. Before you can start layering ingredients, you’ll need to whip up the frosting. Using a stand mixer or handheld, combine one cup of the heavy cream, a teaspoon of vanilla (or measure with your heart) and two heaping tablespoons of mascarpone until it becomes a spreadable consistency.

Build your layers in the following pattern inside the baking dish: graham crackers, mascarpone whipped cream, chocolate pudding, marshmallows. You’ll likely be able to repeat two or three times before ending with graham crackers last. Place a sheet of plastic wrap over the top and refrigerate the cake for at least eight hours or overnight.

Right before serving, whip the remaining cup of heavy cream and two tablespoons of mascarpone until it thickens to the same consistency as the filling. Remove the cake from the refrigerator, take off the plastic wrap on top and carefully invert the cake onto a serving dish before removing all remaining plastic wrap. Spread the freshly made mascarpone whipped cream over the top and all sides, covering the cake completely. Top your cake with more marshmallows and toast them with a kitchen torch for some added flair.

Ready to start (not) baking? You can find all the gadgets and accoutrements you’ll need to make this icebox cake for yourself in our curated shopping list below.

Will you be trying icebox cake this summer? Let us know in the comments!

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

Renting a car requires more than just showing up, signing on the dotted line and grabbing the keys. Pre-rental research can save time and frustration.

Here are some tips to make your next car rental experience quick and easy.

Why Rent a Car?

Besides needing a ride from the airport for your next trip, there are many reasons you might consider renting a car.

• Your car is going to be in the shop for a week and you don’t want to rely on family, friends and ride share services. Your insurance may also cover car rental fees up to a certain time frame or amount.
• If you are taking a road trip and have more cargo or passengers than your own car can hold, or you want to avoid racking up miles on your vehicle.
• The luxury car in your garage might not be the best choice to take on muddy forest roads when you go camping.
• You are in the market for a new car, but you’d like to assess it for more than 15 minutes. Rent the model you are interested in for a few days and test it for grocery runs, soccer practice and in stop-and-go traffic when you commute to work.
• Moving? Rent a box truck or pickup truck to cut down on the number of trips.

Car Rental Do’s and Don’ts

Do: Research rental companies for price and convenience. Hertz, for example, has more than 10,000 airport and neighborhood locations across 145 countries and six continents.

Don’t: Go in blind. Doing your homework in advance will save you time and money in the long run.

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Do: Reserve early, especially if you need a particular kind of vehicle like a van or SUV.

Don’t: Wait until the day before your trip to book you car. There may not have as many options available.

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Do: Consider if you need rental car insurance.

Don’t: Go without speaking to your insurance agent and/or credit card company to see how you may already be covered.

Do: Investigate your state’s minimum age for renting a car if you are a younger driver.

Don’t: Worry if you are under 25. There is a common misconception that drivers need to be 25 years or older to rent a car. Some states do have strict requirements on car rental age and many also charge an extra fee for being a young driver. However, you can be 20 or even 18 in some cities to rent a car with Hertz – plus, the young driver fee is waived for AAA members ages 20 to 24. Learn more.

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Do: Research types of cars based on your requirements. Do you need a lot of cargo space for all your stuff? A car seat? Is an EV the right choice for a long trip?

Don’t: Arrive at the rental car agency and say, “So, what have you got?” It’s also a good idea to avoid automatically picking the cheapest option. If you rent from Hertz and make the wrong choice, you can modify your selection with your Hertz rental dealer at least 48 hours before a scheduled pick up.

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Do: Make sure you know all the requirements, paperwork and the proper location for returning your rental car.

Don’t: Return the car on E. You will be hit with a refueling charge. Also, don’t forget to remove all your belongings and clean up any garbage or messes left behind.

For more information, see Hertz’s Ultimate Car Rental Guide.

AAA members get exclusive Hertz discounts, including up to 20% on Hertz rentals.

While there are many ways to maintain a youthful appearance as we age, a healthy smile is one of the most noticeable.

From proper oral hygiene to regular dental visits, keeping your teeth bright and healthy into your senior years is manageable. And, for AAA members in Massachusetts, it’s affordable and accessible with help from an Altus Dental plan through AAA Northeast.

Our Changing Smiles

When properly cared for, dental enamel gives your teeth their white color and protects the sensitive layers of nerves and blood supply beneath. But after years of acid erosion and friction, the enamel can wear away, exposing the yellow dentin beneath. Dentin also increases as we age, making our teeth less luminous and causing them to appear darker.

Some factors and lifestyle choices that can affect the health of your tooth enamel include:

• Age. Over time, brushing your teeth can cause the outer enamel layer to thin, which may result in the underlying yellowish dentin becoming more visible.
• Food and Drink. Coffee, tea and red wine are major stain-makers as they have strong color pigments called chromogens. Staining occurs when these pigments attach to the white outer enamel of your teeth.
• Tobacco Use. The tar and nicotine in tobacco create stubborn surface stains that are difficult to remove. 
• Trauma. If you’ve ever experienced an oral injury, the affected tooth or teeth might have changed color, revealing more yellow-toned dentin beneath the enamel.
• Medications. Tooth discoloration can be a side effect of medications. If you were exposed to certain antibiotics while your teeth were forming, you may be more likely to experience tooth discoloration later in life. Chemotherapy and head and neck radiation treatments can also impact the color of your teeth.

Preventive and Corrective Care

With regular dental visits, your dentist can monitor and advise you about changes to your teeth including shortening, discoloration or extreme sensitivity. Depending on your specific needs, your dentist may also recommend ways to keep your teeth healthy and minimize wear, like fitting you with a nightguard to prevent teeth grinding or suggest dietary changes to prevent further damage to enamel.

When it comes to correcting surface discoloration, teeth whitening is a popular solution to achieve a more youthful appearance. From stain removing toothpastes and whitening strips to in-office dental bleaching, there are many ways to whiten teeth, but it’s important to talk to your dentist to determine the best option for you and to minimize any potential side effects like tooth sensitivity, or damage to the tooth enamel or gums.

A bright smile can make you look and feel more youthful, and it’s something that’s possible with regular visits to a trusted dentist. AAA members living in Massachusetts can access quality coverage at more than 10,000 locations locally with Altus Dental. Explore the benefits and enroll today.

When traveling outside the United States, having local currency is essential for tips, transportation needs, small meals and other casual purchases. Often, many travelers wait until they land in their destination to get local currency, but that could be costly and time-consuming. Instead, you can avoid paying high fees, get the best exchange rate and skip the long lines at the exchange counter by purchasing foreign currency before you leave for your trip.

Decide How Much Cash You Need

When purchasing foreign currency, you don’t want to go overboard and find yourself with a lot of extra cash from another country when you return home. Instead, try to estimate how much cash you will need beforehand. AAA traveler feedback suggests taking the equivalent of $50 to $100 U.S. dollars’ worth of foreign currency per person, per day, to meet incidental expenses. If you plan to visit places that may be cash-only, such as a local market or small village shop, you may consider a higher amount.

Get Your Cash in Advance

Getting foreign currency before you start your journey means you can hit the ground running when you arrive. While some banks and credit unions offer foreign currency exchange, not all do. However, AAA offers foreign currency cash for dozens of countries up to $3,000, so you can get exactly how much you need. It typically takes two business days to obtain the foreign currency you need, so don’t wait until the last minute. 

Don’t Forget Your Credit Card

For larger purchases such as your hotel bill or special souvenirs, it’s a good idea to bring a credit card. But don’t take just any credit card; ideally, you should take a card with no foreign transaction fee. Many credit card companies charge fees as high as 3% for purchases made abroad, so call your credit card company to check.

While talking with your credit card company, you should also notify them of your travel dates and what countries you plan to visit. This puts them on notice that you plan to use your card during your trip and could help prevent your card being declined.

Protect Your Money While Traveling

At your destination, don’t carry all your money while out and about. Take a credit card and some cash when you head out and lock the rest in your hotel room safe. It’s also smart to place your wallet in your front pocket or put your cash and card in a money belt to keep it away from pickpockets. Download a currency converter app on your smartphone, so you can check to see how much something costs in U.S. currency to ensure you’re paying a fair price.

Get Cash at a Local Bank or ATM

If you find you need more foreign currency during your trip, it might be tempting to get more from your hotel or at the ATM in the lobby. However, you’re likely to get a better exchange rate and pay lower fees by purchasing foreign currency at a local bank, either from a teller or using the bank’s ATM. Just make sure your ATM card will be accepted. Before leaving on your trip, call your bank and find out if your ATM card will work in the countries you will visit. Also ask about ATM fees, so you’re not hit with a hefty charge on your bank statement. And make sure you know your PIN!

Spend Your Cash Before Heading Home

If your trip is wrapping up, use the foreign currency you have before heading home. While you can sell it back to AAA or the financial institution where you purchased it, the exchange rate likely won’t be great. Some ways to spend that cash is applying it to your hotel bill, having a nice farewell dinner or picking up a memento of your journey.

A Word of Caution

You might be tempted to spend U.S. currency when traveling. After all, there will be vendors who will take it. But they likely won’t give you a fair exchange, meaning you could spend more on something than it’s worth. That’s a key reason why having local currency on hand is important.

To place an order for foreign currency, visit any AAA Northeast branch at least three business days in advance.

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

Out of the many things that New York is famous for – its vibrant culture, being a hub of creativity, the city that never sleeps, etc. – being a cheap place to visit certainly isn’t one of them. So, it may come as a surprise that there are plenty of things to do in the state that won’t max out your credit card.

These are our top 20 things to do in New York for $20 or less.

Need a ride? Rent a car.

Antique Boat Museum – $15

Nestled on the picturesque St. Lawrence River in Clayton, the Antique Boat Museum is a fascinating journey through maritime history. Boasting the largest collection of freshwater antique boats in the world, visitors can explore beautifully restored vessels dating back to the 19^th century.

Brooklyn Literary Audio Walking Tour – Free

This captivating audio walking tour brings to life the borough’s rich literary history. From the cobblestone streets of Brooklyn Heights, where literary giants like Truman Capote once roamed, to the vibrant cafes of Park Slope frequented by contemporary writers, each stop is a chapter in Brooklyn’s literary narrative.

Bronx Zoo – $17.95 Wednesdays

Spanning 265 acres in the heart of the Bronx, the Bronx Zoo is not just a wildlife sanctuary but an immersive journey into the animal kingdom. Home to over 6,000 animals representing more than 700 species, it offers visitors a chance to encounter everything from majestic lions to playful penguins. The zoo’s conservation efforts underscore its commitment to wildlife preservation, making it a beloved destination for all nature enthusiasts. Save on admission with AAA Tickets.

Buffalo Museum of Science – $19

Explore the mysteries of Earth’s ecosystems, delve into the cosmos in the observatory, engage with hands-on activities and so much more at the Buffalo Museum of Science. A hub of curiosity and discovery for all ages, the museum blends education with entertainment to display an enormous collection of exhibits the whole family will enjoy.

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Cornell Botanic Gardens – Free

Located within Cornell University’s sprawling campus in Ithaca, the Cornell Botanic Gardens is a serene retreat encompassing 4,300 acres of natural beauty. Visitors can explore an array of gardens, including the aromatic herb garden and the tranquil Japanese garden, each curated to show the beauty and diversity of plant life. Beyond gardens, there are scenic trails and waterfalls for guests to discover on the grounds.

Bryant Park – Free

Tucked amid the bustling streets of Midtown Manhattan, Bryant Park offers an oasis in the heart of the city. Not only a popular gathering spot for locals and city visitors alike, the park also has dining options, free Wi-Fi, the occasional outdoor movie and a seasonal ice skating rink, providing year-round entertainment against the backdrop of skyscrapers.

Empire State Trail – Free

The Empire State Trail is New York’s premier multi-use trail, spanning over 750 miles from the Hudson Valley to the Canadian border and New York City. Whether cycling, hiking, running or walking, outdoor enthusiasts will encounter historic landmarks, charming towns and natural wonders along the way, making these particular trails a true testament to the beauty of the Empire State’s diverse landscapes.

Finger Lakes Drive-In – $8

Experience nostalgia under the stars at one of the Finger Lakes’ cherished drive-in theaters. Offering a unique blend of classic Americana and modern entertainment, you can catch the latest blockbuster hit surrounded by rolling hills and shimmering lakes.

Jones Beach – $10

Situated on a barrier island off the coast of Long Island, Jones Beach State Park beckons with pristine sandy shores and iconic Art Deco architecture. Spanning for miles, it’s a haven for beachgoers for swimming and sunbathing, as well as concerts, a classic boardwalk and nearby nature trails.

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Little Island – Free

What’s the tulip-shaped island floating above the Hudson River in New York City? That’s Little Island! Designed by British architect Thomas Heatherwick, the park features lush gardens, winding pathways and panoramic views of the Manhattan skyline. You can also catch frequent live performances and art installations by checking out the park’s event calendar online.

Mendon Ponds Park – Free

A nature lover’s paradise near Rochester, Mendon Ponds Park is a sprawling paradise encompassing over 2,500 acres of woodlands, wetlands and glacially created ponds. Trails wind through diverse ecosystems, offering opportunities for hiking, fishing, kayaking and even cross-country skiing and snowshoeing in the wintertime. The park’s historic structures (Tudor-style mansion and barns) offer a charming glimpse into its agricultural past.

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Montauk Point Lighthouse – $15

Perched on the easternmost point of Long Island, the Montauk Point Lighthouse is a beacon of maritime history. Constructed in 1796, it is the oldest lighthouse in New York and its perch allows for breathtaking views of the Atlantic Ocean and Block Island Sound. Climb the 137 steps to the observation deck or explore the on-site museum to learn about its storied past. Don’t miss the Big Duck on your way there!

New York Public Library – Free

An undisputed icon of New York City, the New York Public Library is more than just a repository of books – it’s a living testament to knowledge, history and architectural grandeur. Its vast collection spans centuries and genres, from rare manuscripts to the bestsellers of today. Visitors can marvel at the Rose Main Reading Room, attend lectures and exhibitions or take a self-guided audio tour.

Niagara Falls – Free

One of the world’s natural wonders, Niagara Falls is a beloved phenomenon sharing the borders of the United States and Canada. Visitors can choose to take in the views from multiple observation decks, explore the surrounding parks and attractions or see the falls up close on a boat tour (don’t forget your parka!). It’s undeniably one of the best things to do in upstate New York.

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Sands Point Preserve Conservatory – $15 per car / $4 walk-in

This historic estate on Long Island features magnificent gardens, mansions and waterfront views. The preserve is made up of Hempstead House, a Tudor-style mansion with opulent interiors and views of Long Island Sound, formal gardens, nature trails and the Phil Dejana Learning Center, which offers educational programs on conservation and sustainability.

Sleepy Hollow Cemetery – Free

Steeped in legend and literary history, Sleepy Hollow Cemetery is a hauntingly beautiful place in the Hudson Valley. With its winding paths, ornate mausoleums, historic gravesites and centuries-old trees, it’s no wonder that it was inspiration for “The Legend of Sleepy Hollow,” by Washington Irving – who, by the way, is buried here, too. Walk the grounds on your own or opt for a guided tour so you don’t miss any spooky detail.

South Street Seaport – Free

A historic district in Lower Manhattan offering maritime history, shops and waterfront dining, South Street Seaport is a great place to stroll and explore. Visitors will find tons of charming maritime paraphernalia, a waterfront promenade, outdoor markets and an array of restaurants that open up to views of the East River and Brooklyn Bridge.

Staten Island Ferry – Free

More than just a commute between Manhattan and Staten Island, the Staten Island Ferry provides a front-row seat to some of New York City’s most iconic landmarks. As the ferry glides across New York Harbor, passengers enjoy stunning views of the Statue of Liberty, Ellis Island and the never-not-mesmerizing Manhattan skyline. The 25-minute journey is free of charge and operates around the clock.

Vanderbilt Museum – $12

A lavish mansion and museum complex on Long Island’s Gold Coast, the Vanderbilt Museum is a sprawling estate that showcases art, marine life and historic artifacts along with a glimpse into the opulent lifestyle of the Gilded Age. Explore themed gardens, tour the mansion, pique your curiosity with rotating exhibits or catch an outdoor concert.

Walkway Over The Hudson – Free

Spanning the Hudson River from Poughkeepsie to Highland, the Walkway Over The Hudson is an engineering innovation sprawled against scenic natural beauty. Originally a railroad bridge, it is now the world’s longest elevated pedestrian bridge with views of the Hudson River Valley and surrounding mountains. Walk, jog or bike across, making sure to stop now and then at intentionally placed scenic overlooks that highlight the area’s history.

Find more things to do in the Northeast for under $20.

What’s your favorite thing to do in New York under $20? Let us know in the comments!

As the 2024 Summer Olympics unfold, all eyes are on host city Paris. In the spirit of Olympic fever, we’re looking back on past Olympic cities that also double as top vacation destinations. Relive history in the very places where the world’s greatest athletes went on to take the gold, silver and bronze.

Olympia and Athens, Greece

Start at the very beginning at the birthplace of the Olympics in ancient Olympia, where the games were held every four years beginning in 776 B.C. Today, Olympia is home to a UNESCO World Heritage Site, four hours from Athens and one hour from the Port of Patras or Kalamata International Airport.

The Archaeological Museum of Olympia offers a glimpse into the ancient treasures of this past Olympic city, including the statue of Hermes by Praxiteles, Nike (Victory) by Paionios and sculptures from the Temple of Zeus. At the archaeological site, you can also see the ancient stadium of Olympia, the actual Temple of Zeus and other structures used for the Olympics.

In Athens, feel as if you’re part of the first modern Olympic Games at the Panathenaic Stadium, where you can run on the track that hosted events for the 1896 and 2004 games. Spend some time at the permanent exhibition “Memories From Olympic Games: Posters and Torches from 1896 till Today” at the Atrium and watch highlights of the Athens 2004 Olympic Games.

Lake Placid, New York

As host of two Olympic Winter Games in 1932 and again in 1980, Lake Placid proudly shows off the venues and areas used during the events, known as the Lake Placid Legacy Sites.

Your first stop should be the Lake Placid Olympic Center. It is home to such notable skating rinks as the 1932 Jack Shea Arena, 1980 Herb Brooks Arena, USA Practice Rink and James C. Sheffield Speed Skating Oval. Don’t miss the Lake Placid Olympic Museum, home to North America’s second-largest Winter Olympic collection of artifacts and enjoy new interactive exhibits.

A view and perspective not to be missed can be found on the Skyride at the Olympic Jumping Complex. On this high-flying adventure, a gondola takes you to the base of the ski jumping tower. There, a glass-enclosed elevator whisks you up to the sky deck of the 120-meter tower, offering panoramic views of the Adirondacks and Lake Placid. You can also opt for the Sky Flyer Zipline, following the path of ski jumpers.

More Olympic thrills include skiing or snowboarding Whiteface Mountain in winter and hiking, mountain biking or even driving to the peak along Veterans’ Memorial Highway in warmer months. Highlights of Mt. Van Hoevenberg include the chance for your own bobsled ride on the Bobsled Experience along the more than half-mile track, or on the Cliffside Coaster on the 1980 Olympic sliding track.

Lausanne, Switzerland

Next on our tour of Olympic cities past is the Olympic Capital and home of the International Olympic Committee headquarters, Lausanne.

With 1,500 objects, 5,000 photos and 150 screens showing great Olympic moments, the Olympic Museum here is the ultimate Olympic fan experience. It defines itself as “the heart of a network of 32 Olympic Museums throughout the world.”

Begin your exploration outside at the site’s Olympic Park, walking among 43 sculptures and taking in the views of Lake Geneva and the Alps. The park also has a picnic area and a 100-meter track. Each step of the stairs leading to the museum is etched with the venues and final torchbearers of 97 Olympic Games.  

The permanent, more than 32,000-square-foot exhibition inside is split into three levels: The Olympic World, The Olympic Games and The Olympic Spirit. Among the highlights you can see are an interactive journey of the games in history from 1896 to 2014, the first Olympic flag from 1914, Jesse Owens’ shoe from the 1936 Olympic Games in Berlin and a jersey worn by Usain Bolt for the 200-meter final at the 2008 Olympic Games in Beijing.

London, England

The London 2012 venues are available for you to visit as part of the experience at the 560-acre Queen Elizabeth Olympic Park. Among the trails that guide you on what to see and do at the park is the London 2012 trail, offering a glimpse into the 2012 Olympic and Paralympic Games.

See such attractions as the Olympic rings, Olympic bell and the London Aquatics Centre. Get active at Lee Valley VeloPark, where you can choose from track cycling, road racing, BMX and mountain biking. Or watch sports such as basketball or volleyball at the Copper Box Arena.

London Stadium is a multi-use venue where you can attend international sporting events and music concerts if you time your visit right. Book a behind-the-scenes tour of the stadium and be sure to check out the almost 1,500-foot-long Wall of Champions surrounding it, showcasing every medal winner from the London 2012 Olympics and Paralympics. And it’s a photo finish as you take a selfie on the podium picturing yourself getting your gold medal.

While at the park, don’t miss other attractions like the ArcelorMittal Orbit, which offers a 375-foot view of the city. You can also loop around the ArcelorMittal Orbit 12 times on The Slide, which the Park says is “the world’s tallest and longest tunnel slide.” For more thrills, the attraction also offers the chance to literally “step over the edge” on The Abseil, freefalling more than 260 feet down.

Book your next trip with AAA Travel.  

Need a passport for your summer travels? AAA members get exclusive rates on expedited passport courier services and more with RushMyPassport.

Have you visited any of these Olympic sites? Tell us about it the comments.

Featured Photo: View from the Olympic Museum in Lausanne, Switzerland. (Courtesy of Laurent Kaczor)