For most Americans, the idea of traveling is starting to feel right again. As we begin to emerge from a global pandemic that required months of isolation and limited human contact, many people are making relaxation, conscious exploration and connection to nature a top priority.

As humanity continues to face what seems to be insurmountable challenges, traveling responsibly can play a vital role in creating healthy communities and advancing environmental sustainability initiatives.

There is so much hope to be had for the future and these sustainable travel trends are paving the way for climate resilience initiatives, rebuilding healthy, self-sustaining communities and conservation efforts worldwide.

Travel That Regenerates Communities

The appeal of regenerative and impact tourism is that it gives travelers a chance to have a positive influence on the places they visit and to leave communities and the environment better than they found it.

When looking for opportunities to support these initiatives, you may not need to look further than where you are staying.

 “Hotels are becoming more socially innovative to encourage philanthropic and sustainable efforts amongst guests,” according to the 2022 Kind Traveler Global Impact Tourism Report: Hotels, Charities and Destinations.

By integrating give-back initiatives to local communities on-site, sustainable purchasing and recommending attractions and creating partnerships with charities connected to community and environmental impact, hotels are making sustainable and regenerative efforts more accessible.

Sustainable travel is either somewhat important or very important to 225 million American adults, according to a new survey from The Vacationer. Nearly 82% of travelers say they will make more sustainable or eco-friendly decisions when planning their trips and more than 78% say they would pay more to lower their carbon footprint.

By following the lead of hotels, the tourism industry at large can make a crucial impact if more avenues for regenerative and sustainable travel are made available.

Responsible Wildlife Tourism

Protecting the planet’s wildlife is imperative if we want to ensure the health of its ecosystems. One of the ways to create awareness is through responsible wildlife tourism.

Experiencing the beauty and awe of a wild animal in its natural habitat is something that can move a person towards advocacy and activism in protecting biodiversity if the excursion is conducted in a respectful manner.

“Elephant rides, tiger selfies, walks with lions, monkey shows, swimming with dolphins – each ‘once-in-a-lifetime’ opportunity for a tourist means a lifetime for suffering for animals,” states global non-profit, World Animal Protection.

Protection of wildlife can sometimes go beyond the obvious and requires some homework on the part of travelers. When it comes to education, travelers can explore 14 Animal Attractions to Avoid, a guide written by Animal Defenders International.

Choosing Vegan Hotels

To some folks the idea of a vegan hotel may seem strange, but the idea of connecting with food and design in a way that does not harm any animal is beneficial to the soul and the planet.

“Air and water pollution can be directly attributed to the livestock sector, which is the largest contributor to global water pollution,” reports Climate Nexus. Livestock is also one of the leading drivers of global deforestation and is linked to nearly a third of biodiversity loss.

In choosing to stay at a vegan hotel, travelers actively participate in climate resilience initiatives while enjoying a bounty of healthful meals and ethical design choices. 

While not 100% vegan, don’t miss the vegan-friendly Grand Velas in Riviera Nayarit, which partnered with popular vegan chef Miguel Bautista to add vegan menus to its three restaurants and 24-hour room service.

New Avenues to Climate-Friendly Travel

In many ways, the COVID-19 pandemic was a catalyst to inspire climate-friendly travel. People chose to spend their holiday closer to home – or chose more planet-friendly transportation options, such traveling via train (one of the most climate-friendly options), using public transport or opting for travel via electric vehicle.

The rise of electric bikes also allowed people to cruise effortlessly around cities and back roads exploring the sights and sounds of a place from a more intimate perspective.

Airlines are also investing in sustainable fuel and carbon offsetting options. For example, Southwest Airlines recently announced its plan for carbon neutrality by 2050. With increased awareness of the climate crisis, travelers have the opportunity to support – near and far – green cities and sustainable destinations, as well as travel during the off-season when there is less tourism.  

Raising the Bar for Transparency 

Greenwashing, or when companies make misleading claims about their environmental impact, isn’t a new concept, but it continues to flood the travel industry.

More than ever, travelers are looking to a future where there are high levels of transparency within every aspect of tourism. Luckily, there are reputable organizations that verify and/or certify hotels, tour operators and agencies with accreditations that ensure sustainable operations.

Green Destinations, the Global Sustainable Tourism Council), B Corp, Center for Responsible Travel and International Ecotourism Society are just a few examples that offer certifications and partnerships. 

Will you be traveling sustainably in 2023? Tell us in the comments.

AAA’s sustainable travel series is written in partnership with Kind Traveler, a women-and-veteran-owned public benefit corporation empowering travelers to make a positive impact in local communities, and contributing writer, Maria Russo.

Living together before marriage is nothing new. In fact, it’s now the norm. More than 75% of recently married couples cohabitated prior to tying the knot, according to the National Center for Family & Marriage Research. But these days, many couples are doing more than just splitting the rent. They’re taking the big step of purchasing a house together. A recent study found that 31% of Americans have purchased a home with someone they aren’t married to and more than half of those surveyed said they would consider it. 

Buying a house with your partner can have its benefits. The dual incomes may allow you to enter the housing market earlier than you would have alone. This means you’ll start building equity in a home sooner. Instead of spending money on rent that you’ll never recoup, you can start paying for an asset you’ll eventually own. However, as with any major life decision, there are some unique factors to consider when buying a house with your partner before marriage.  

Qualifying for a Mortgage 

First off, it’s important to know that your martial status has no effect on your mortgage application. In fact, it is illegal for a lender to discriminate against a loan applicant based on marital status. 

The big decision for unwed couples applying for a mortgage is whether they should apply jointly or for one member to apply alone. The answer depends heavily on you and your partner’s financial profile. If you both have good credit scores and low levels of debt, it could be a good idea to apply jointly. Showing two incomes on your application increases your chances of getting approved for a larger mortgage. 

However, when applying jointly, lenders often base their decisions on the lower of the two credit scores. Therefore, if one of you has a significantly worse financial situation, it may be best for the other to apply alone. 

Property Ownership 

There are three options for designating ownership when co-buying a house: 

Joint ownership: Joint ownership allows both parties to own an equal share of the home. With this, both members will have to come to a joint decision on whether to sell when the time comes. And, if one owner passes away, ownership of the property is automatically passed to the surviving owner. 

Tenancy in common: This arrangement gives ownership to both parties, but in unequal percentages. It is a popular option for unmarried couples due to its flexibility. For example, if one member is contributing significantly more money toward buying the house, they might have 70% ownership while their partner owns the remaining 30%. Tenancy in common also allows each member to designate an heir to assume their share of the property in the event of their death. 

Sole ownership: As the name implies, sole ownership means only one person legally owns the home, even if there’s another person living there. The owner is the only one who can decide to sell the house. 

Cohabitation Agreement 

Regardless of the type of ownership agreement you agree to with your partner, it’s a good idea to establish a cohabitation agreement. This legally binding document protects each party and is particularly useful if the relationship turns south and you decide to go your separate ways. The cohabitation agreement can include: 

• Who is responsible, and at what percentage, for each aspect of the property’s payments (mortgage, property taxes, maintenance, etc.).
• If the relationship ends, what happens to the house. Will both parties agree to sell, or will one buy out the other? 
• If the house is sold, how the proceeds will be divided.
• How newly acquired assets will be divided.

Since a cohabitation agreement is a legal document, it is best to consult a real estate attorney when drafting it. 

Tax Implications 

Married couples are allowed to deduct the interest on up to $750,000 in mortgage debt when filing jointly or $375,000 if filing separately.  

An unmarried individual can also claim interest deductions on up to $375,000 in mortgage debt. However, the IRS only permits one homeowner to claim the deduction if unmarried. If both you and your partner are planning to itemize your deductions, the issue of mortgage interest should be discussed and agreed upon beforehand. 

AAA recommends consulting a tax expert regarding the filing process.

What Happens If You Get Married

If you and your partner eventually tie the knot, you’ll likely want to revisit your home ownership paperwork. Property ownership is often dictated by state law. In some states, your spouse will automatically gain ownership of the house once you are married. In other states, you may need to add your spouse to the deed (if they’re not already on it) to legally reflect co-ownership. 

Whether you’re buying solo or as a couple, AAA Home Loans is here to answer all of your home buying questions and offer the best rates possible.  
 
And if you’re new to the home buying process be sure to check out our upcoming webinars!

Proper car maintenance goes far beyond an annual inspection. It requires being proactive and regularly checking the condition of your car, not just when you have to or when you think there is a problem.

The detriment of neglecting car care is twofold. Car maintenance mistakes can decrease the longevity and performance of your vehicle. Additionally, minor problems that could have easily been fixed can turn into major issues that require extensive – and expensive – repairs.

We spoke with mechanic Mario Cipriano from AAA Approved Auto Repair facility Mezzio Auto & Body Repair in Naugatuck, Conn., for his tips on car maintenance.

What is the biggest car maintenance myth or misconception?

I believe one of the biggest vehicle maintenance misconceptions is that the max tire pressure on the tire is the manufacture recommended tire pressure. The true recommended tire pressure is on the tire placard usually located on the driver’s door jamb. I have also seen the tire placard on the three other door jambs and even the inside of the fuel door.

What’s the most common mistake people make in regards to keeping their car in good shape?

The most common car maintenance mistake I notice is drivers failing to keep the correct fluid levels in their vehicles. At least once a day we see a vehicle with low coolant or engine oil that does not register on the dipstick. Major engine damage can occur if proper coolant and oil levels are not maintained.

What are your best tips for keeping your car in the peak condition?

My best tip is to get it serviced and inspected three to four times a year. The inspection should include checking the wipers/washer system, belts, hoses, fluids, filters, tires, starting/charging systems, steering, suspension, external lights, undercarriage, leaks and diagnosing any warning lights that appear.

The season’s high winds and rough weather can wreak havoc on windshields. What is the best way to deal with a car’s cracked windshield?

The best way to deal with a cracked windshield is to get it replaced by a qualified technician. Even a small crack will jeopardize the structural integrity of your windshield.

Are there any other car maintenance tasks you recommend?

Pay close attention when inspecting the steering and suspension, and perform a four-wheel alignment. Wiper blades should be replaced regularly too. Also, getting your vehicle thoroughly cleaned inside and out is important. Then touch up any new chips in the paint. Finally, a good coat of wax or ceramic coating should be applied.

For the best car care, find a AAA Approved Auto Repair facility near you.

AAA members can save on automotive replacement parts and accessories at NAPA.

What automotive questions do you have for our mechanics? Let us know in the comments below.

Headed to the Bay State for a weekend getaway or searching for a daytrip that won’t cost too much? There are plenty of attractions and activities in the area that will keep you entertained, active and cultured without having to spend any dough. Whether you’re the outdoorsy type, a history buff or a science enthusiast, you’re sure to find something that appeals to you on our list of things to do for free in Massachusetts.

Minute Man National Historical Park

Concord, Lincoln and Lexington

The Minute Man National Historical Park honors the first battles of the Revolutionary War at the sites where they occurred on April 19, 1775.

Start off at the Minute Man Visitor Center where you can get acquainted with the park and history of that momentous day with a quick multimedia presentation. Then, head out to the park’s other notable landscapes and attractions.

You can walk the Battle Road following in the footsteps of the Minute Men or head to the North Bridge where the famous “shot heard around the world” was fired. Park rangers are on hand at some locations to answer questions. There are also various guided programs and presentations with the park staff in the warmer months.

Arnold Arboretum

Boston

A haven for plant and animal lovers, Arnold Arboretum of Harvard University is spread across 281 acres, throughout which you can explore and learn about 15,000 types of plants. The arboretum offers both self- and docent-guided walking tours of varying levels of difficulty and time. The 120-minute, 2 1/2-mile director’s tour provides a glimpse of flora and fauna through Director Ned Friedman’s viewpoint. There are plenty of kids’ activities, including wildlife bingo and story walks, featuring illustrated children’s books displayed throughout the arboretum.

Mount Greylock State Reservation

Lanesborough

In the Berkshire Mountains on the western side of the state, you’ll find Mount Greylock State Park, which includes the highest point in Massachusetts at 3,491 feet.

There are a variety of activities to enjoy, depending on the season, including hiking, mountain biking and snowmobiling. Visiting in the fall? Be sure to check out one of the fall foliage driving routes and additional free activities like a farmers market and weekly community potluck dinner.

When it comes to one of the most popular things to do for free in Massachusetts – hiking – you’ll find a variety of trails based on different durations and abilities, including paths along former ski trails and ones that explore waterfalls. If you’re not up for the hike, you can also drive to the top of the mountain.

Freedom Trail

Boston area

While some stops on the Freedom Trail, including the Old South Meeting House, Old State House, Paul Revere Home and Old North Church do have admission fees, others are free. Plus, it costs nothing to walk the trail.

Start at the downtown visitor center at Faneuil Hall, where you can plan your walk with the help of rangers. Then, head upstairs to see the great hall where protests, political rallies and debates have been held for the past 275 years. Visit the Bunker Hill Museum and climb the 294 steps to the top of the Bunker Hill Monument, commemorating an important Revolutionary War battle. Next up is the Charlestown Navy Yard, where you’ll find the USS Constitution, aka “Old Ironsides,” one of the oldest ships in the world still afloat, and the USS Cassin Young, an important ship from World War II. You can board and tour both.

Coit Observatory

Boston

Are you an astronomy lover or big fan of the great beyond? Judson B. Coit Observatory, located on the Boston University campus, offers public open nights on Wednesday evenings year-round, weather permitting. You can look through multiple Schmidt-Cassegrain telescopes and binoculars with the guidance of the observatory manager, who helps point out planets and constellations.

Admission to this evening event is free, but tickets are required, and they go quickly, so be sure to grab them online.

Great Falls Discovery Center

Turners Falls

The Great Falls Discovery Center is housed in a series of old mills and features diorama exhibits celebrating the history of the Connecticut River. They present information about the environments surrounding the longest river in New England and the impact of human settlement.

Interested in learning more? Check out the museum’s self-guided activity sheets. The property is also home to four acres of gardens and lawns for exploring and relaxing. The great hall features art exhibits, and special events are held for adults and children.

Cape Cod Rail Trail

Cape Cod

Some of the best free things to do in Massachusetts are in the great outdoors.

The Cape Cod Rail Trail brings runs for 25 miles through scenic Cape Cod, across six towns – Dennis, Harwich, Brewster, Eastham, Wellfleet and Orleans – and through state and national parks.

You’ll find the trail filled with mostly bikers during the warmer months, thanks to the flat and easy-to-navigate terrain. The trail is also used for running and walking, horseback riding and, in winter, cross-country skiing. Be sure to stop at some of the kettle ponds, formed by glaciers and featuring crystal clear water.

Massachusetts Historical Society

Boston

The Massachusetts Historical Society was founded in 1791 and claims to be the “oldest organization in the United States devoted to collecting materials for the study of American history.”

Collections are vast and shared with the public in exhibits, which have included past displays on the Boston Massacre, women’s voting rights and Boston abolitionists. Items in the collections include belongings of notable historical figures, newspapers and posters, letters between Revolutionists, tea leaves from the Boston Tea Party and even copies of the Declaration of Independence handwritten by John Adams and Thomas Jefferson.

Interested in doing some in-depth research? Make an appointment to visit the library.

Plan your next trip with AAA Travel.

And for more things to do in the Northeast, check out Budget-Wise.

What are some of your favorite free things to do in Massachusetts? Share them in the comments below.

Featured image: Arnold Arboretum. (Chris Devers / CC BY-NC-ND 2.0)

A graveyard might not be the first place you’d think to visit or include as a stop on your next road trip or vacation. But graveyards and cemeteries can be beautiful and are often historic as well. In the Northeast, the historic graveyards near you may include the graves of pilgrims, founding fathers, artists, activists and other well-known historic figures. Here are some of the most scenic and historic graveyards in the Northeast.

Trinity Churchyard

Manhattan, N.Y.

The parish of Trinity Church has three cemeteries, but none so historic as Trinity Churchyard in lower Manhattan. While it may have been in use since the 1660s, the oldest surviving memorial dates to 1681. Many historic figures are interred at Trinity Churchyard, including Alexander Hamilton, Elizabeth Schuyler Hamilton, Philip Hamilton, Angelica Schuyler Church, Hercules Mulligan, Francis Lewis, William Bradford and Robert Fulton. Make sure to visit the Soldiers’ Monument in memory of the Revolutionary War, and the Fireman’s Memorial Monument, in memory of six firefighters who were killed during the Civil War.

Calvary Cemetery

Queens, N.Y.

Trinity Churchyard is miniscule in comparison to Calvary. It’s the largest cemetery in the United States, containing over 3 million graves and stretching across 365 acres. Calvary Cemetery was featured in “The Godfather,” and many infamous organized crime figures are interred within its grounds. Other notable burials include the first person to be processed through Ellis Island and a survivor of the R.M.S. Titanic sinking.

Green-Wood Cemetery

Brooklyn, N.Y.

As you pass through the massive Gothic revival gates of Green-Wood Cemetery, you’re also stepping back into history. This rural cemetery, opened in 1838, is like a combination of a graveyard and an inviting public park. There are many notable figures interred in the grounds of this National Historic Landmark, including Leonard Bernstein, two of the Fox sisters, Nathaniel Currier, James Ives, Louis Comfort Tiffany, Jean-Michel Basquiat and several Roosevelts.

Mount Hope Cemetery

Rochester, N.Y.

The sprawling Mount Hope Cemetery was founded in 1838 and is an early example of the rural cemetery movement, which aimed to make cemeteries more inviting to the living. Rural cemeteries are designed like parks or gardens, with rolling landscapes and pleasing features like ponds or gazebos. Mount Hope Cemetery is certainly picturesque, and contains a wide variety of different monuments from its long history. You can even see Tiffany glass windows on some of the mausoleums. Many historic figures are buried here, but perhaps none so prominent as Frederick Douglass and Susan B. Anthony. Both gravesites attract visitors who often come on Election Day to pay their respects.

Mount Auburn Cemetery

Cambridge, Mass.

Mount Auburn Cemetery was the very first rural cemetery in the United States, founded in 1831. This National Historic Landmark doubles as an arboretum, as its vast collection of trees shade its historic monuments and rolling landscape. Its beauty made it one of the most popular tourist destinations in the 1800s. Notable gravesites include Henry Wadsworth Longfellow, Winslow Homer, Harriet Ann Jacobs and Julia Ward Howe. Visitors can also enjoy buildings like the Washington Tower and the Bigelow Chapel.

Granary Burying Ground

Boston

Established in 1660, Granary Burying Ground is one of the most historic graveyards in Boston. While it may appear to be an unassuming old cemetery at first, Granary Burying Ground is actually the final resting place of Samuel Adams, John Hancock, Robert Treat Payne, Paul Revere and several members of Benjamin Franklin’s family (Franklin himself his buried in Philadelphia). It is also the final resting place of the victims of the 1770 Boston Massacre, including Crispus Attucks.

Myles Standish Burial Ground

Duxbury, Mass.

The Myles Standish Burial Ground, established in 1638, is the oldest graveyard in the country. It takes its name from one of its most famous inhabitants, Capt. Myles Standish, who came to America on the Mayflower. Several other Mayflower passengers are interred in the burial ground as well. This peaceful graveyard filled with time-worn and battered gravestones is listed on the National Register of Historic Places. Standish’s final resting place is marked with an American flag and surrounded by cannons.

Sleepy Hollow Cemetery

Concord, Mass.

Though it has no relation to “The Legend of Sleepy Hollow” by Washington Irving (that story takes place in Sleepy Hollow, N.Y.), Concord’s Sleepy Hollow is a particularly literary historic graveyard. Established in 1855, this cemetery is most well-known for Authors Ridge, the final resting place of Henry David Thoreau, Nathanial Hawthorne, Louisa May Alcott and Ralph Waldo Emerson. Visitors to these graves are known to leave pens, pencils and poems behind in honor of these literary legends. The cemetery is also home to several other writers, as well as Mary Lemist Titcomb, the founder of the Bookmobile.

Swan Point Cemetery

Providence, R.I.

First established in 1846, Swan Point Cemetery is a rural cemetery that’s still in operation today. Offering standard burials, green burials, cremation and more. There are a lot of ways to spend eternity in Swan Point Cemetery. Visitors can take self-guided historical walking tours, which will take them to sites like the Memorial Grove Garden Megalith, the largest stone in an American cemetery, the white marble Grosvenor Lot, the Hope Memorial Garden and more. Many Rhode Island governors and other politicians are buried in these grounds, as well as author H.P. Lovecraft.

Hope Cemetery

Barre, Vt.

Barre is also known as the Granite Capital of the World, and that’s plain to see in Hope Cemetery. Established in 1865, Hope Cemetery features exceptional granite monuments in unique shapes and styles. The monuments and gravestones of Hope Cemetery are so unique that it’s also known as a museum of granite sculpture. Many of the gravestones in the cemetery were actually designed by those resting just below. Visitors can see monuments shaped like airplanes, furniture, race cars, intertwined lovers and more.

Grove Street Cemetery

New Haven, Conn.

Time to head to the Ivy Leagues. Grove Street Cemetery is a historic cemetery surrounded by the Yale campus. Founded in 1796, the Grove Street Cemetery was the first chartered burial ground in the United States. It was also the first cemetery to allow for the creation of family lots, so family members could be buried alongside each other. Before then, bodies were simply buried anywhere in the graveyard where there was enough room. The “city of the dead” layout of Grove Street Cemetery included named roads and walkways to make it easier for visitors to navigate. Unsurprisingly, many Yale presidents and faculty are buried here, along with notable historic figures like Eli Whitney and Noah Webster.

Are we forgetting any historic graveyards or cemeteries? Tell us about them in the comments below!

Looking for some chills and thrills with your history? Check out these haunted places in the Northeast.

One of the best ways to experience a new country or culture is through a culinary lens. Cuisine is a pathway to the history, politics and economy of a culture, and there is perhaps no better avenue than street food.  

What we have come to call street food is often the everyday fare of working people around the world. It is food that is affordable, practical in that it is usually portable, and fast, frequently consumed on the go from work or school. For travelers, it’s a way to eat on budget and among locals.

Some of my most memorable travel experiences have been eating meals streetside, snacking while walking along a river that intersects a city or simply people watching while sampling a place’s best street food offerings.

For the purpose of this article, I define street food as food bought and consumed outside, rather than inside of a restaurant setting. Streets foods are often sold from food trucks, carts and stalls, hawker centers, night markets and at the roadside.   

When you’re not traveling the globe, the next best thing is to visit the places in our communities where chefs are serving street food favorites. The following are the types of street foods I remember fondly from my own travels, offered right here in the Northeast.

Ta’amiya and Hawawshi

Cairo, Egypt, is a bustling, energetic city situated adjacent to the Sahara Desert. Travelers come in droves every year to see the Great Pyramid of Giza. But Cairo also offers a vibrant street food scene, sometimes overshadowed by the pyramid’s allure.  

Translated from Arabic as “tasty little bits,” ta’amiya is a popular Egyptian street food. And while they look much like traditional falafel, they aren’t made with chickpeas. These snackable fritters are made with mashed fava beans, garlic, onions, coriander and cumin and dressed in sesame seeds.

I get my ta’amiya at Zooba in Manhattan’s Lower East Side, where they’re moist, fluffy and packed with flavor. Served as side dish in portions of three, they appear on the menu as Egyptian Falafel.

But the main attraction at Zooba is the Hawawshi, a handheld crispy pita stuffed with minced meat, onion, garlic, peppers and herbs. I go for the Street Hawashi, which features meat without any additional toppings, though options with cheese and slaw are also offered. Like most types of street food around the world, Zooba’s hawawshi is portable, affordable and delicious.

Oyster Omelet

Hawker centers in Singapore and Malaysia are frenetic, crowded, mostly outdoor food venues with a variety of food stalls. They are perfect for gathering with friends and sharing family-style meals from a large sampling of the region’s offerings.

In both Singapore and Kuala Lumpur, Malaysia, I was hooked on oyster omelets. These savory, fried, greasy, delicious concoctions of egg, green onions, bean sprouts and a tapioca starch batter, feature a magical mashup of chewy, crisp and gooey textures. Paired with spicy sambal or chili oil, oyster omelets are the ideal accompaniment to a cold local beer on a hot day.

My favorite oyster omelet in New York City can be found at Kopitiam. Their oh chien (oyster cake) is dressed with fragrant, fresh cilantro and comes with spicy house sambal sauce. If you grab an outdoor table, it almost feels like being transported Jalan Alor Food Street, Kuala Lumpur’s famous hawker center.

Baleadas

Baleadas are a seemingly simple meal of flour tortillas filled with refried beans, queso and crema. Filling variations can include sliced avocado, pickled red onions and eggs, chicken, pork, or beef. Honduran crema and Honduran crumbled queso duro make the flavors of baleadas pop, but it’s the freshness of the ingredients that make them special.

Baleadas will fill you up cheaply and quickly before starting your day. After a week in Honduras, I was hooked on breakfast baleadas and I long to go back to experience them again; for now, I’ll stick to Rinconcito Copaneco in Jersey City until I can return again.

Pho Bo Kho/Bo Kho

I had limited exposure to Vietnamese food where I grew up in the suburbs. Today, Vietnamese food in America is far more prominent.

Pho, a beef broth, rice noodle soup, is the most ubiquitous Vietnamese dish in the States, though in my opinion, it is best experienced streetside, on a plastic stool, mopping the sweat from your brow in the thick, humid, Vietnamese air.

Pho Bo Kho is closer to a stew than a traditional Pho, featuring a darker red broth, carrots, lemongrass, star anise and cinnamon. The rich, spicy flavor induces sweat, which cools you on even the hottest days in Saigon. If you are traveling through Connecticut, stop at Pho Viet, just ten minutes from central Hartford, and order a steaming bowl of Bo Kho.

Cevapi

Cevapi is the national dish of Bosnia and Herzegovina, though a similar variation is found throughout the Balkan region. Minced lamb, veal, pork, beef or a combination of meats are seasoned with salt and pepper, shaped into sausages or miniature patties, skewered and roasted. The meat is served with flatbread and chopped, raw, white onion, which begs to be made into a sandwich.

Cevapi is sold in restaurants and as a street food dish, and there are slight regional variations within Bosnia & Herzegovina. Whether you are in Mostar, Sarajevo, or the countryside, it’s a foregone conclusion that you will be repeatedly asked, “Have you tried cevapi yet?” Try it for yourself at Burek King in Clifton, New Jersey.

Harira

Harira is a hearty soup of lentils, tomatoes, chickpeas, turmeric, cumin and cinnamon. The non-vegetarian variety comes with chunks of lamb. The soup is often considered to be Morocco’s national dish, and you can find it offered morning, afternoon and night.

At the Jemaa el-Fna Squarein Marrakech, ware sellers, street carts, tourists, locals and performers all mix to form a lively evening scene. Street hawkers beckon patrons towards their bowls of snail shells, skewers of grilled meats and boiling pots of harira. Get some for yourself at Zerza in Manhattan’s Essex Market. Morocco is well-known for its tagine, but it is high time that its street food culture gets the recognition it deserves.

Stinky Tofu

There was a popular streetside lunch bar in Taipei City that I passed every day while I was in Taiwan, and I could smell the pungent, noon-time meal before I could ever see the restaurant’s storefront. The odor was coming from stinky tofu, a popular dish served in restaurants and night markets, often as a side dish or as part of a larger meal.

True to its name, stinky tofu is tofu that has been fermented in brine for upwards of a few months, and served with any combination of mustard greens, cabbage/kimchi, dried shrimp, bamboo shoots and Chinese herbs. The dish is sour, spicy and savory with a mix of soft and crunchy textures. Yes, it does smell quite funky, but it is also delicious. (I am deeply impatient with anyone willing to write off stinky tofu based on its scent alone.)

In Queens, head to the New York Food Court in Flushing for your stinky tofu fix. In Manhattan, try Bings and Noodles for a slightly less funky variety.

Tamales

Tamales are a handheld, portable meal that originated in Mesoamerica, having likely spread from Mexico or Guatemala to the rest of Latin America. They are made of masa or corn dough, steamed inside of a banana leaf or a corn husk. The inside is commonly stuffed with slow-cooked pork or chicken, beef, beans, cheese, and/or mole.

The best tamales come from fresh masa, and my indicator of a great tamale is whether it has retained a bit of moisture rather than being dried out. My favorite tamale in New York City comes from Factory Tamal. The mole poblano with chicken tamale showcases chef Fernando Lopez’s roots from Puebla, where he learned to make mole in his family’s tradition.

Egg Hoppers

Hoppers are light and crispy, bowl-shaped pancakes made from a fermented rice flour and coconut milk batter that is steamed or fried. They come with a sunny-side up egg in the center and are often served with a sambal or curry.

This was my go-to breakfast in Colombo, Sri Lanka, ordered adjacent to the beach and enjoyed overlooking the surf. At Lakruwana Restaurant in Staten Island, you can order a hopper meal, which comes with one egg hopper filled with your choice of vegetables, chicken, pork, lamb, beef, fish or shrimp and three additional plain hoppers.

Pizza

Ok, pizza may not be a street food I have eaten overseas – at least not in the same form as a New York slice, but it is the epitome of what makes street food so wonderful.

As a New Yorker, I can tell you that pizza is ubiquitous in New York. It crosses class boundaries and is eaten by all regardless of age, occupation, religious beliefs or cultural background. It’s eaten on sidewalks, on the subway (don’t do this), in parks, in the office, at school lunch and in restaurants in all corners of the five boroughs.

Pizza has become something to brag and argue about, creating tribal lines as New Yorkers claim their favorite pizza spot as the best. Local variations in Detroit, Chicago and Connecticut have created loyal followers, ready to argue on behalf of their home city’s pizza like rival sports fans defending their teams.

My favorite slice in the city is the burrata slice at L’industrie in Williamsburg, Brooklyn. The pizza shop expanded its size within the last year, and business has been booming, as evidenced by a packed patio and lines out the door on Friday nights. Grab a few slices and a soft serve ice cream topped with olive oil and salt.

Once you have traveled throughout the Northeast to try each of these street food classics, I hope you will feel inspired to go to the true source of each meal. There is nothing that compares to the experience of having a local meal in a foreign culture.

So, hit the road to get your fill within your home region for now but try to hop on a flight to experience street food abroad someday, too. A AAA travel agent will be happy to help you plan your trip!

Featured image: Ta’amiya from Zooba.

If you drive a car, you probably also know that you need to change the oil every so often to keep things running smoothly. And as we’ve discussed, proper car maintenance begins with oil checks – give it a read for tips on when to know if it’s time for an oil change.

But how often should you be changing your oil? Is it something you can do yourself or do you need to pay someone else to do it? And what kind of oil and filter should you use? Here are the answers to these common questions.

How often should the oil be changed?

At one time, the hard-and-fast rule for oil changes was that you should change your oil every 3,000 miles or every three months. Although some people still adhere to this schedule, it’s really not necessary to change your oil that frequently. Engines and oil have advanced over the years, and many car makers recommend waiting 5,000 to 10,000 miles, or six to 12 months, between oil changes. Consult your owner’s manual for guidance.

Holding off on oil changes can add up to a nice yearly savings. If you drive 15,000 miles per year, for example, and follow the old adage of changing your oil every 3,000 miles, you’re looking at five oil changes a year. If you’re paying the average cost of $40 for an oil change (using conventional oil) at a garage, that’s $200 a year. However, if you drive 7,500 miles before changing the oil, that’s only two oil changes a year, costing you $80.

If you don’t drive very much or only for short distances, you might think you don’t need to worry about regular oil changes, but the opposite is true. If you don’t drive on a regular basis or if you go only a few miles at a time, the oil in your engine doesn’t heat up enough to efficiently burn off moisture. You’ll need to change it before you hit the mileage suggested between changes. For example, if your owner’s manual says you should change your oil every 8,000 miles, consider getting it done at 6,000 miles instead.

Should you change your own oil?

While it’s easy to find a professional at an AAA Approved Auto Repair Facility to do the job, another way to lower the cost of an oil change is to do it yourself. Changing the oil is one of the more basic, and easiest, automobile maintenance tasks. After you’ve done it a few times, you’ll not only save money on each change but you’ll save time waiting for your car to be done at the shop.

Changing your own oil

To change your car’s oil, you’ll need the following equipment:

• A wrench to remove the drain plug (consult your owner’s manual for what kind/size wrench).

• An oil filter wrench.

• An oil pan.

• A funnel.

• Latex or other strong gloves.

• Optional: Jack or ramps, depending on whether you can get under your car without them.

• Oil.

• Oil filter.

• Replacement plug.

The basic procedure for changing your oil is as follows:

1. Start with a warm engine. If your car has been sitting for a while, run the engine for a few minutes first. Raise the vehicle by driving onto a ramp or jacking the car up and safely supporting on jack stands. Block off the back tires so the car doesn’t roll and apply the parking brake and open the hood. 
2. Consult your owner’s manual to locate the drain plug under your car. Set an oil pan in place underneath. Wearing gloves, remove the plug and allow old oil to drain out. Tighten the drain plug to the proper specifications. (Some manufacturers recommend replacing drain plug gaskets with each oil change)
3. Find and replace the old oil filter. There are two types of filters: spin-on and cartridge. Using a suitable wrench or socket, remove the filter or canister and follow the filter directions for proper installation. Make sure the drip pan is ready to catch any leaks.
4. Locate the oil cap, usually at the top of the engine. Remove cap and use a funnel to add new oil of the proper grade to the manufacturer’s indicated volume. On a level surface, check oil level using the dipstick, or in some cases the onboard computer system.
5. Store old oil in a sealable plastic container.

Once you’ve added the oil, check the the level with the dipstick. You might notice the oil you’re adding isn’t dark like what’s on the dipstick, but instead more of an amber color. That could make you think your oil is dirty and should be changed immediately. Oil turns dark pretty quickly so the color isn’t a great indicator of its cleanliness. Sticking with the manufacturer’s recommended intervals for oil changes is the best way to be sure your oil is clean and doing its job.

As for the old oil, most auto parts retailers will accept used motor oil. Depending on where you live, your community may also have a hazardous waste disposal program you can utilize.

How much do you save changing your own oil?

So, is it cheaper to change your own oil? By doing this task yourself, you’ll save between $25 and $75 per oil change, depending on the type of oil and filter you use.

Which kind of oil and filter should you use?

At first glance, synthetic oil would seem to be the no-brainer choice because it lasts significantly longer than conventional oil. However, many vehicles do not require expensive synthetic oil. Check the owner’s manual or inside the oil cap on newer model cars to see the recommended oil weight. If you tend to drive short distances, push your vehicle (such as pulling a trailer) or live in an extreme climate, then synthetic would be the better choice to extend the life of your motor.

Read more about synthetic vs. conventional oil.

When choosing an oil filter, select one that is rated for the mileage interval you are following between oil changes. In other words, don’t use a cheap filter with expensive synthetic oil – the filter won’t last, and you will have wasted money using the higher-end oil. The cost difference between an economy filter and a better-quality one isn’t great, so it is worth spending a little more to get a filter that will last. Consult with the clerk at the auto parts store or check the filter manufacturer’s website for more detail about which filters will last longer, particularly if you’re aiming to go longer between oil changes.

Have more questions about how to change your own oil? Ask the Car Doctor. 

If you’re still not comfortable with the idea of changing your own oil and would rather a professional do the job, find a AAA Approved Auto Repair Facility near you. 

You’ve probably been planning for your retirement for most of your adult life. And even after decades, you may still find yourself with a limited monthly income during your retired years. This can make it difficult to pursue all the interests you hoped for. If you find yourself in this position, a reverse mortgage could be right for you.

A reverse mortgage is a unique financial tool that can increase your monthly income, providing the financial freedom you dream of during retirement. Here’s how.

What exactly is a reverse mortgage?

A home equity conversion mortgage is a mortgage for homeowners age 62 or older who would like to access the equity they have built up in their home in the form of tax-free loan proceeds. A reverse mortgage allows homeowners to tap some of the equity they have in their home without adding to their monthly debt. The title remains in the borrower’s name, so you continue to own your home and the lender’s interest is simply the mortgage loan.

A HECM is the only reverse mortgage product on the market that offers insurance through the department of Housing and Urban Development.

What are the benefits?

A reverse mortgage is unique because there are no monthly payments. This can free up a significant amount of money each month. “Borrowers may be interested in supplementing their monthly income by setting up monthly direct deposits from their reverse mortgage,” says Julia Braun, a Reverse Mortgage Consultant for AAA. “They can customize the amount, term and even have the option of setting up a tenured monthly payment, which is guaranteed for life.”

For some borrowers, the main benefit is simply paying off an existing mortgage on their home. There are never any payments due on a HECM while the borrower lives in the home. Only the funds used to pay off the mortgage (plus closing costs and other cash requested by the homeowner) accrue interest. Any additional loan proceeds are made available through a Line of Credit that grows over time.

Who might benefit?

“The product is best suited for those borrowers who plan to remain in their home,” Braun says. “The loan can be beneficial for almost any homeowner age 62 or older who has significant equity in their home.”

How much can I borrow?

A HECM has a loan limit of up to $979,800. How much of that you can receive from a reverse mortgage depends on several factors. These include your age, the value of your home, current interest rates and an assessment of your finances.

In general, the older you are the more money you can receive from a lender.

Do reverse mortgages come with any fees?

Yes. You may have an origination fee, mortgage insurance premium, property appraisal, typical third-party fees and a modest charge for independent counseling.

Most fees can be rolled into your loan, minimizing your out-of-pocket costs.

How can a reverse mortgage aid your retirement?

“Freeing up your home’s equity, without adding to monthly debt can benefit a wide range of borrowers,” Braun says. “From eliminating a current monthly principal and interest payment on an existing mortgage, to having access to a line of credit, a reverse mortgage can provide liquidity for any number of purposes.”

Home improvements, medical expenses and dream vacations are just some of the endless expenses a reverse mortgage can fund, allowing you a greater amount of financial freedom during your retirement.

How is a reverse mortgage paid back?

The loan doesn’t have to be repaid until the last borrower has not lived in the home for six months. This can be extended for up to one year. When this occurs, the funds from the sale of the house are used to repay the loan.

If the home is left to an estate, it will usually sell the home to pay the loan as well. Any extra equity after the loan is paid off belongs to the estate. However, heirs also have the option to pay off the loan by other means and keep the property.

Are you considering a reverse mortgage? AAA’s dedicated experts are here with trusted, and reliable step-by-step assistance along the way, all from the comfort of your own home.

The Northeast is the setting of some of the most iconic television shows of all time, from “Cheers” to “Sex and the City.” Relive some of your favorite TV moments with a road trip to famous television locations.

There are TV shows that simply took inspiration from the Northeast and filmed elsewhere, others included establishing shots of real buildings and some filmed extensively in and around real Northeast landmarks and locations.

Here are some of the spots you should visit on your small-screen tour of the Northeast.

New York

“Sex and the City“

It’s right there in the name! New York City is a major character in “Sex and the City,” and you can find filming locations all over.

Visit Carrie Bradshaw’s apartment, at 64 Perry St. in the West Village. While you’re in the neighborhood, swing by Magnolia Bakery for a taste of its iconic cupcakes. If you want to buy the exact same cupcake as Carrie, get the vanilla cupcake with pink frosting and a sugar daisy. You can also stop and grab a cosmo at Onieal’s, which “Sex and the City” fans will recognize as the filming location for the in-universe bar Scout.

“FRIENDS”

So no one told you that “Friends” wasn’t actually filmed in New York City? That’s OK! New York is still there for you – and it’s filled with locations used for exterior shots that inspired some aspect of the show.

First off, you’ll want to visit Pulitzer Fountain, across from the Plaza Hotel. It’s said to be the inspiration for the fountain featured in the opening credits. It’s probably not a good idea to dance around inside it, though. You’ll find the exterior of Monica, Rachel, Joey and Chandler’s apartment building on the corner of Bedford and Grove streets in the West Village. You can also visit Bloomingdale’s, where Rachel got her start, or the American Museum of Natural History, which inspired Ross’s workplace.

If you want to be even more immersed, check out The FRIENDS Experience, where you can pose for photos inside detailed set replicas and see real props and costumes from the series. It just might make your day, your week, your month or even your year!

“Seinfeld”

“Seinfeld” is a New Yorker’s show about New York. “Seinfeld” fans must stop for a meal at Tom’s Restaurant, which was used as the exterior of their favorite hangout, Monk’s Cafe. The interior of Tom’s Restaurant was finally featured in Jerry Seinfeld’s other show, “Comedians in Cars Getting Coffee,” when he interviewed none other than Jason Alexander.

Still feeling peckish? The Original Soup Kitchen, the inspiration for one of the show’s most iconic episodes, is still serving up delicious bowls of soup. Jerry Seinfeld might be banned, but that shouldn’t stop you from trying some!

Connecticut

“Gilmore Girls”

“Gilmore Girls” wasn’t actually filmed in Connecticut, but the state is ever-present in the show’s cozy New England aesthetic. The fictional town of Stars Hollow is said to be based on the real-life towns of Kent, Washington Depot, West Hartford and New Milford. If you want to run away to live your “Gilmore Girls” dreams – sipping coffee on a brisk fall day and strolling past the town gazebo – they might be the next vacation spot for you.

New Jersey

“The Sopranos”

“The Sopranos” is not only one of the best shows to come out of New Jersey, it’s one of the best shows ever. If you throw a rock in New Jersey, you’ll probably hit a “Sopranos” filming location. Get a sweet treat at Holsten’s in Bloomfield, the site of the series finale. Sneak a peek at the Soprano family mansion, which sits on a real cul-de-sac in North Caldwell. If you’re feeling brave enough, you can even try a visit to the notorious Pine Barrens. And those are just the G-rated locations.

Reality TV

New Jersey has been home to many reality TV shows, but perhaps none so famous as “Jersey Shore” and “Cake Boss.” “Jersey Shore” fans can visit the iconic boardwalk in Seaside Heights, as well as the Shore Store, where the cast worked, and the Beachcomber Bar & Grill, where they played. Just don’t forget to GTL. “Cake Boss” fans can get a taste of their favorite show at the real Carlo’s Bakery in Hoboken. Yum!

Massachusetts

“Cheers“

Do you want to go where everyone knows your name? At Cheers on Beacon Hill, you can step into the bar that inspired the TV show. Originally known as the Bull & Finch Pub, it was rocketed to fame when it served as the exterior location for the eponymous bar in “Cheers.” Now, the inside of the bar looks like “Cheers,” too. It’s a complete replica, plus some modern conveniences. Diners can enjoy a themed menu, as well as “Cheers” trivia. If you’re a fan, it’s a can’t-miss trip.

“Castle Rock“

Nothing says “New England” like Stephen King. “Castle Rock,” a horror anthology series loosely based on King’s works, was filmed mostly in Massachusetts. A large portion of scenes took place in Orange and the surrounding areas, including Gardner.

“Castle Rock” fans can see the Slencil Company buildings, which served as the Castle Rock police station and other local shops in the series, and catch a glimpse of Ruth Deaver’s house, a Victorian style mansion, in Orange. King fans can even visit the Public Health Museum in Tewksbury, which served as the filming location for the Juniper Hill Psychiatric Hospital.

Rhode Island

“Family Guy”

It’s no secret that “Family Guy” wasn’t filmed in Rhode Island … because it’s animated. But the fictional town of Quahog was heavily influenced by real-world locations. The stated inspiration for Quahog is Cranston, and the show heavily features the Providence skyline in the distance. Brown University, McCoy Stadium and even the Big Blue Bug have all been featured on the show. The show’s Nifty Fifties Diner is said to have been inspired by the Modern Diner, a historic train car diner in Pawtucket. While you’re in the area, stop by the Rhode Island School of Design, where creator Seth MacFarlane went to college and fell in love with the Ocean State.

Have you ever been to any of these locations? What about the location of your favorite TV show? Let us know in the comments below!

Need a ride? AAA members can save up to 35% on Hertz rentals when booked now through 10/28.

It may be hard to believe, but a trip to New York doesn’t have to break your budget. Whether exploring the boroughs of New York City or hiking the great outdoors upstate, there are plenty of activities and places to visit that won’t cost you a thing. So, put your wallet away and read on to discover our list of free things to do in New York.

Staten Island Ferry

Departs from Manhattan (4 Whitehall St.) and Staten Island (1 Bay St.)

The Staten Island Ferry takes 117 trips a day between Manhattan and Staten Island, and while many think of it as solely a means for commuting, traveling the Staten Island Ferry is also one of the best kept not-so-secret free activities in New York.

A round trip gives you a free tour of New York Harbor from the water, including views of the Statue of Liberty, Ellis Island and the bridges and skyline of the city.

The ferry operates 24 hours a day, seven days a week. The 5-mile ride takes about 25 minutes each way.

Saranac 6

Adirondacks

The Adirondacks region is known for having a variety of hiking trails across its 46 mountains, each catering to hikers of varying abilities. The Saranac 6 challenge is centered around six mountains in the Saranac Lake region of the Adirondacks: Baker Mountain, St. Regis Mountain, Scarface Mountain, Ampersand Mountain, Haystack Mountain and McKenzie Mountain.

Hikers who summit all of the mountains obtain official recognition as a “6er” as noted by a special certificate and the opportunity to ring the 6er bell located in Berkeley Green Park. The hikes add up to about 30 miles and an elevation gain of 8,000 feet. If you complete the challenge in the winter, you’ll be awarded designation as a Winter 6er, while completing all six hikes in under 24 hours will designate you as an Ultra 6er.

Walkway Over the Hudson State Historic Park

Connecting Poughkeepsie and Highland

Take a stroll along this 1.28-mile-long steel cantilever bridge that crosses over the Hudson River. The elevated pedestrian bridge, which claims to be the world’s longest, is accessible by staircase or a 21-story glass elevator, the latter of which connects the bridge to the Poughkeepsie Train Station.

Enjoy a walk on your own, take a group tour (for a fee) or listen to the mobile audio tour, which tells you about the animals you might spot along your walk (such as bald eagles), sites you’ll see (such as the Catskill Mountains) and about local historic sites. The Walkway Over the Hudson is both ADA accessible and open year-round.

Empire State Trail

Across New York State

The Empire State Trail has three sections totaling 750 miles and crossing the state of New York. One trail spans from Manhattan to Albany (the Hudson Valley Greenway Trail), another stretches from Albany to the Canadian border (the Champlain Valley Trail) and the third connects Albany and Buffalo (the Erie Canalway Trail).

The trails took four years to build and are designed for walkers, runners and bikers to enjoy the sights as they pass through the Hudson River Valley, Adirondacks and along the Erie Canal. Snowshoers and cross-country skiers use the trails during the winter, and some portions are open to horseback riders. Before you embark on your Empire State Trail adventure, be sure to order a printed map online to find museums and sites of historical interest along the way.

New York State Capitol

Albany

One of the free places to visit in New York’s capital city of Albany, the New York State Capitol is an edifice built in the 1880s and marked by late 19th-century architecture. The staff gives 45-minute tours Monday through Friday of the state legislative chambers, hall of governors, governor’s reception room, hall of New York and historic staircases and carvings throughout the building. Reservations for tours are suggested.

The capitol is located on the Empire State Plaza, where there’s plenty more to explore, including art, memorials, The Egg Performing Arts Center, special events and more.

The High Line

From Gansevoort Street to 34th Street on Manhattan’s West Side

This elevated railway-turned-walkway stretches through 1.5 miles of the West Side of Manhattan, featuring gardens, an open-air food court (operational in the warmer months), art installations and live performances along the way.

Once considered an eyesore to be taken down, the High Line was designed after the community came together to salvage it. Walking along the path, you’ll discover a woodlands area near the Meatpacking District, or head to the area between 14th and 15th streets to see a unique water feature.

The Museum at FIT

Manhattan

The museum at the Fashion Institute of Technology is the only one of its kind in New York City committed solely to the study of fashion. Its collection includes approximately 50,000 pieces of clothing and accessories designed from the 18th century to present. Exhibits celebrate iconic designers and design and are always rotating. Upcoming exhibitions include a spotlight on shoes and hip-hop culture’s influence on fashion.

Niagara Falls State Park

Like many spots on this list, visiting Niagara Falls State Park is one of the things you can do for free in New York that showcases the state’s diverse outdoor landscape. Designed by Fredrick Law Olmstead, the architect behind Central Park, the state park covers 400 acres and includes views of the falls, gardens and 15 miles of hiking trails.

Of course, you can also choose to enjoy additional attractions at the falls for a fee, such as heading to the top of the observation tower, visiting the Cave of the Winds or riding the Maid of the Mist.

Plan your next trip with AAA Travel.

And for more things to do in the Northeast, check out Budget-Wise.

What are some of your favorite free things to do in New York? Share them in the comments below.

Life insurance is one of the primary resources people rely on to provide surviving family members with financial stability after their death. To have the insurance company reject the claim creates the very dilemma that the policy’s existence was intended to prevent.

Before you run the risk of your policy’s rejection, here’s a crash course on how your coverage could get derailed.

Making a Life Insurance Claim

Once the insured has passed away, it falls to the beneficiary to report the death to the life insurance company and complete all the necessary paperwork. The details will vary based on both the provider and the policy you have, but  the beneficiary will need to obtain the death certificate as well as the letters testamentary (also known as the letters of administration) that prove they are indeed the intended recipient of the policy’s death benefit. After the documentation is submitted, the insurance company typically has 30 days to respond.

At this point, the beneficiary can wait and hope that the claim is paid as expected, in which case they will likely have to choose between a lump sum or regular deposits in a designated account. Whatever form it takes, this insurance payout represents the provider’s fulfillment of its side of the contract with the insured. The provider might also opt to delay or deny the life insurance claims. Both results require immediate action from the beneficiary, but a denial in particular means that you might need to contest the provider’s conclusion if you believe you’re in the right. We’ll discuss that approach in a bit.

Let’s go over some of the main reasons why your life insurance claims might be denied:

Misrepresentation and Inaccurate Information

Anytime you provide faulty or incomplete personal data to your life insurance company, you run the risk of leaving your policy open to misrepresentation. In this scenario, an applicant is accused of falsifying information – whether intentionally or not – in order to ensure that their policy is approved. An example of this would be omitting details about a serious medical condition. A word of advice: Double-check your application before you submit it to ensure that you’re being as truthful as you can be.

The Contestability Period

Most life insurance policies feature a contestability period during the first two years after the purchase date, during which the provider can reassess and contest (hence the name) your application. If the policyholder dies during this period, the insurance company can withhold delivery of the death benefit on the basis that you provided incorrect data on your application. Again, a blatantly honest application could mean the difference between your family’s financial protection or lack thereof.

Lapsed Policies and Overdue Premiums

If you stop paying your electric bill, eventually your home’s lights will go out. The same principle applies to your life insurance coverage. If you fail to pay your premiums on time (or within the designated grace period), your policy will likely lapse. If the policyholder passes away after this happens, your plan will no longer be active, leaving any claims likely to be denied in short order. You’re better off reaching out to your representative to handle any payment issues before such a predicament occurs.

Exclusions and Uncovered Causes

Depending on your policy, not all causes of death may be covered by your provider. If an accidental death falls outside the parameters of your policy but winds up being the reason for the insured’s untimely passing, your claim will most likely be denied. This rationale also applies to any exclusions – the circumstances and conditions that are decidedly not covered – that may be listed in your policy. The most popular exclusion relates to suicidal deaths, but check your policy details to see which pertain to your case.

When You Want to Contest

Even though a claim denial can wreak havoc on a beneficiary’s financial outlook, he or she can still contest the decision if they truly believe that it was reached in error. The first step should always be to alert the provider to your dispute and see if an amicable resolution can be reached between the beneficiary and the insurance company itself. If this approach doesn’t work, the beneficiary may need to seek out legal counsel and mount a court case against the provider.

Get a personalized life insurance policy through AAA. 

Once you arrive at your favorite destination, you need a way to get around town. A rental car is the perfect solution as it allows for the convenience of going where you want, when you want. There are lots of different styles of cars to choose from and a wide range of prices to fit your vacation and budget. So, how do you get the best deal on a rental car? Here are a few tips and tricks.

Use Your Memberships

There are lots of discounts available when it comes time to rent a car, but they’re not always widely advertised by the rental companies. The good news is that you can simply ask about current car rental deals at the counter or even online when you’re making a reservation.

At the top of the list is your AAA membership. AAA members can save up to 20% on Hertz rentals. Always inquire about which member discounts are available and use the one that gets you the best rate.

Keep It to One Driver

Unless it’s absolutely necessary to have multiple drivers on your rental, keep it to just one person. Most rental companies charge an extra fee for each additional driver. It’s usually not a flat fee, but a daily fee, so if you have a rental car for a week, that cost is going to add up fast.

If you have a large crew of potential drivers, pick one person as your chauffeur for the week. If it’s a longer trip, then plan a few extra breaks so they get some time to stretch and grab something to drink, which is a good idea for everyone.

Book the Right Size Car for Your Needs

The bigger the car, the more you’ll pay for your rental. If possible, go with an economy car since those are the most affordable. Only opt for a large sedan or SUV if you truly need one, like if you have a large family to accommodate or lots of luggage. Otherwise, smaller is better when it comes to saving money. Getting a smaller car also helps reduce your fuel cost, which is especially important if you’re going on a long-distance trip.

Ask About Free Upgrades

Often, there are free upgrades available for the asking when you show up at the rental counter. These include premium cars in the same class as the vehicle you reserved or even larger cars, all available at the same price as the original car you booked.

If an upgrade isn’t offered, then ask. While they may not have anything, if they do, you could find yourself travelling in more comfort than you expected without having to pay any extra for the experience.

Avoid the Add-Ons

There are all sorts of things you can add on to your rental, such as navigation and car seats, both of which you can avoid by using your own. You can even bring your own toll transponder if it’s valid in the location to which you’re traveling.

Insurance also falls in this category. Check with your insurance company and chances are good they have you covered while you’re in a rental car. Many credit card companies also automatically provide insurance when you use their card to rent a car. Do a little research ahead of time and don’t feel pressured into adding unnecessary insurance at the counter.

Return With a Full Tank of Gas

You will need to return the car with a full tank of gas, except in rare situations. The agent at the counter will offer several options for filling up the tank. You can prepay for a full tank, which is one rate, or they will charge you by the gallon for just the amount you need, which is another rate. You can also just fill-up on your own at a gas station near the drop-off location. Filling it yourself is almost always the cheapest option. You can search out the nearest gas stations online in advance of your trip or just find the cheapest station on your AAA mobile app. This can make a huge difference in how much you pay for your rental, so don’t automatically have the car rental company fill it up for you just for convenience.

Use your AAA membership for even more savings on Hertz rental cars. Members can add an additional driver for free, reserve a free car seat and get 10% off prepaid gas and 50% off satellite radio.

Paying a visit to the Constitution State, but don’t want to break your budget? Worry not; there are plenty of things to do in Connecticut for free that will immerse you in the state’s rich cultural, industrial, scientific and athletic histories.

From reading rare British books at Yale to walking along a former railway trail to keeping up with the Huskies at the University of Connecticut, we’ve set out to prove that a trip to Connecticut doesn’t have to be expensive.

Museum of Connecticut History

Hartford

The mission of the Museum of Connecticut History is threefold: It aims to preserve the history and honor the role Connecticut played in the evolution of U.S. government, military and industrial power. The museum has plenty of items in its multiple collections to keep you curious and exploring all day, including vintage toasters, an early 20th century voting booth, coins, clocks and the Colt firearms collection.

Here you can also view original Connecticut government documents from the 1700s and see portraits of former Connecticut governors. Be sure to see the exhibit honoring Connecticut soldiers in the military section. If you need some direction, download the scavenger hunt from the museum’s website before you go.

Airline State Park Trail

Eastern Connecticut

The Airline State Park Trail travels 50 miles across 11 towns in eastern Connecticut, stretching from Thompson in the north to East Hampton in the south. The trail is a former railway dating to the 1870s. Similar to New York City’s High Line, the tracks have since been removed and the remaining throughway serves as a path for walking, biking, horseback riding and cross-country skiing.

The south section of the trail runs 22 miles from East Hampton to Windham and passes along parks, state forests and two viaducts. The north section travels about 28 miles from Windham to Thompson and includes mostly gravel paths. There are various access points to the trails in the towns it passes through (with parking).

Connecticut State Capitol Tour

Hartford

Those interested in Connecticut’s government should pay a visit to the Connecticut State Capitol. Visitors are welcome to engage in self-guided tours all day. Brochures for the Capitol, Capitol sanctuary and legislative office building are available online. One-hour guided tours are also offered on weekday mornings by reservation only.

Erected in the 1870s, the capitol is a National Historic Landmark worth over $200 billion and made from New England-sourced marble and granite with a gold leaf dome. Visitors will see statues of state heroes Nathan Hale and Prudence Crandall as well as Civil War Gov. William Buckingham. Don’t miss the Hall of Flags, featuring various flags carried by soldiers from Connecticut during wars.

Yale University Art Gallery

New Haven

Visiting the Yale University Art Gallery is arguably one of the most inspiring and thought-provoking things to do in Connecticut for free. The oldest university art museum in the United States, it showcases nearly 300,000 objects in its impressive collection since opening in 1832. Here you can explore art exhibitions from around the world including historical, modern and contemporary pieces from Africa, Europe, Asia and the ancient Americas.

Connecticut College Arboretum

New London

The Connecticut College Arboretum spans 750 acres and contains plant collections ranging from the exotic to those native to southern New England. Stroll along the walking trails that cross the arboretum with a trail map downloadable from the arboretum’s website. Or register for a docent-led tour held on the first or second Sunday of the month May through October. The native plant collection includes flowers, trees, bushes and woody vines, some wild and some cultivated. Head to the Caroline Black Garden for a Japanese vibe or to the azalea garden to see the impressive flowering shrubs in spring.

J. Robert Donnelly Husky Heritage Sports Museum

Storrs

Are you a big UConn Husky fan? You’re not alone. Athletics are so popular at the state university there is a museum on the main Storrs campus honoring the athletes and coaches who have led the teams to victory time and time again.

The Huskey Heritage Sports Museum chronicles the history of UConn sports since the 1890s and features artifacts throughout, including jerseys, basketballs, baseball gloves, field hockey sticks, NCAA Championship trophies and a statue of the school mascot, a Husky named Jonathan. See photos of UConn’s All-American athletes and life-size cutouts of basketball superstars Ray Allen and Rebecca Lobo.

Westport Astronomical Society

Westport

Head to the Westport Astronomical Society on Wednesdays from 8 to 10 p.m. for free stargazing experiences held in the dome observatory and on the property’s lawn, if the skies are clear. The Westport Astronomical Society is home to one of the largest telescopes in Connecticut and it also has a special solar telescope for viewing the sun. Stargazers might see galaxies, stars, planets and nebulas on their visit with specialists on hand to tell them all about the items in the night sky they are discovering. Also featured are monthly talks with experts from other observatories and planetariums.

Plan your next trip with AAA Travel.

And for more things to do in the Northeast, check out Budget-Wise.

What are some of your favorite free things to do in Connecticut? Share them in the comments below.

We know because we’ve been: “Out There” is a series of inspiring travel spotlights from AAA travel advisors and employees.

The islands of the Bahamas have been a supremely popular destination with AAA members. With 16 diverse islands, 100,000 square miles of crystal blue oceans, bountiful relaxation and adventure to be had, there is no shortage of reasons why the Bahamas make a great destination for travelers.

Recently, a group of AAA Travel team members got the chance to visit the Bahamas, tour a variety of top-tier destinations and stay at the all-inclusive Viva Wyndham Fortuna.

Here is what one of those team members, Brooke Vergona, had to say about her visit.

Tell us a little about yourself!

I am the manager of strategic partnerships here at AAA Northeast. I grew up an avid beach goer. Any season, you can find me at the beach reading, running or just listening to the water. Growing up along the Jersey Shore I was spoiled with having the ocean less than 2 miles from my front door, which is what lead me to move to Rhode Island, the Ocean State!

What is your background in travel?

Prior to working in the travel industry, I was not a huge traveler. Not because I didn’t want to be, I just never saw the need or never found the time. I had been on one cruise out of Florida and that was the extent of my travel experience growing up.

What type of traveler are you?

In my current role at AAA I am lucky enough to be on the road an incredible amount. With an extremely weak travel background, I am still learning what type of traveler I am! I haven’t had a bad experience yet.

Tell us about your trip to the Bahamas.

We stayed on the island for about five days and did everything from relaxing by the pool to riding ATVs through the forest. It was an amazing experience and I truly stepped out of my comfort zone.

We really got off the beaten path doing excursions that are more locally known, even going to local restaurants where the community gathers and has dance-offs!

Compared to other islands, I think Grand Bahama has a lot to offer because it isn’t as built up as some of the others. It is rustic and you are truly immersed in the destination while you are there.

What was your favorite part of the trip?

My favorite part of the trip was swimming with lemon sharks on a remote island off the coast of Grand Bahama. There were also huge stingrays! My colleagues enjoyed the pool and the food experience.

What surprised you the most?

It surprised me how welcoming the Bahamians were from the very first day. At the first dinner, they were all line dancing and made sure to teach all of us how to dance with them and cheered us on when we somewhat got the hang of it all!

What was one thing you learned on this trip?

I learned to always go out there with an open mind. Even if you are frightened to do something, take a step back and think to yourself, “I may never have the opportunity to do this again.” Just go for it!

What was something you wish you did differently?

I wish I saw the sunrise more each morning.

What was your favorite dining experience?

My favorite dish on the island was the conch. I had everything conch – fried, grilled, raw! It was amazing.

What is your advice to other travelers? 

Try and get out there as often as possible. If there is one thing I learned from the pandemic, it’s that something as simple as travel can be taken away from you so easily. Never miss out on the opportunity to see the world and experience the way other people live their day-to-day lives.

Start planning your next trip with AAA Travel.

Whether you’re headed out for a couple’s getaway, family trip or solo jaunt, there’s plenty of fun, free things to do in New Jersey. From exploring arboretums to perusing art museums to visiting the lions at the zoo, there’s something for everyone in the Garden State, and you don’t have to spend a penny.

Rutgers Gardens

New Brunswick

Head to Rutgers Gardens to be immersed in 180 acres of gardens, natural habitats and a student-run farm, or just go to pay a visit to the robust farmers market. Students, staff and faculty of Rutgers University study in the gardens, but they’re also open to the public to peruse for free.

Take a walk through the Helyar Woods or enjoy over a dozen gardens including an Asian garden with a bamboo grove, collections of holly bushes, an ornamental tree collection, rhododendron and azalea gardens and a succulent garden.

Check the website before you go to download children’s activities designed to get them involved and excited to learn about nature.

Historic Longstreet Farm

Holmdel

Located in Holmdel Park, the Historic Longstreet Farm is a living history farm featuring interpretive costumed reenactments of what life was like on a New Jersey farm in the 1890s. Visitors watch as the farmers go about their daily activities, including working in the fields and tending to the animals.

On site is a farmhouse and the original home of the Hylin family, owners of Longstreet Farm, now used as offices. The farm hosts events including demonstrations on blacksmithing, cooking, cider making, harvesting corn and even playing the accordion.

Cape May County Park and Zoo

Cape May

The Cape May County Park zoo is home to 550 animals representing 250 species, including African lions, a bald eagle, best friend alpacas Stanley and Norman, Marty and Walter the camels and multiple snow leopards. If you’re interested, you can pay for private animal encounters with giraffes and capybaras, or for private tours.

The park itself features an 18-hole disc golf course, carousel and bike paths that converge with the Middle Township Bike Path, which runs through Cape May on a former railroad line.

Both the park and zoo are open year-round, making a visit here one of the best free things to do in New Jersey.

Drumthwacket

Princeton

Drumthwacket is the official home of the governor of New Jersey, and on Wednesdays, the property opens its doors for free public tours of the architecturally inspiring early 1800s building.

Tours run 45 minutes to one hour and take visitors through six of the residence’s rooms, which are used by the governor for meetings and receptions. Learn about the history of the building as well as the fine art and antiques throughout. Holiday tours are given in December. Registration is required for all tours.

Princeton University Art Museum

Princeton

The Princeton University Art Museum consists of various gallery spaces in downtown Princeton. Collections include works centered around African art, Chinese paintings, magazine photographs and sculpture. Be sure to check out some of the engaging children’s activities designed to immerse youngsters in the works featured in the various galleries.

A visit to the Princeton University Art Museum is one of the free things to do in New Jersey that’s great for the whole family.

Allaire State Park

Wall Township and Howell

The biggest attraction at Allaire State Park is the 19th century Historic Allaire Village, a living history museum centered around life in a once self-sufficient industrial era iron production town.

Buildings in the village include a general store, blacksmith shop, carpenter’s shop, church and a workers’ row house, now converted into the village’s visitor center and museum. The museum hosts exhibits on the iron industry and the original owner of the village’s iron business, James P. Allaire.

Allaire State Park is also home to the Pine Creek Railroad, which offers diesel narrow-gauge train rides in the park. Additionally, there are trails throughout the park for hiking, horseback riding and mountain biking; a nature center, open seasonally; and great trout fishing and deer hunting.

Noyes Museum of Art

Hammonton and Atlantic City

The Noyes Museum of Art of Stockton University has two sites: The Noyes Art Garage in Atlantic City and the Noyes Galleries at Kramer Hall in Hammonton. Exhibits at the museums change regularly, but include works of photography, ceramics, painting and sculpture by significant U.S. artists, New Jersey artists and Stockton University faculty and students.

Frelinghuysen Arboretum

Morristown

Set on 127 acres along the Whippany River in the north-central part of the state, Frelinghuysen Arboretum is one of the best free things to do in New Jersey.

The property features a variety of habitats to explore including gardens, woodlands and meadows. During your visit you’ll find a rose garden, gazebo, water fountain features, a fern garden, vegetable garden, rock garden and even a labyrinth. It’s all set around the arboretum’s Colonial Revival mansion, which is the headquarters of the Morris County Park Commission. Deer hunting is allowed in fall and winter.

All Sports Museum of Southern New Jersey

Bridgeton

Sports fans should pay a visit to the All Sports Museum of Southern New Jersey, which pays tribute to athletes, coaches and sports announcers from southern New Jersey who have made an impact in the sports world. On display are vintage helmets, jerseys, baseball gloves and other sporting equipment, and a plethora of photographs celebrating athletic achievements.

Hall of Fame inductees have included pro baseball player Goose Goslin, tennis coach James Breech, Emmy Award-winning sports announcer Michael Barkann and bowler James Campani.

Plan your next trip with AAA Travel.

And for more things to do in the Northeast, check out Budget-Wise.

What are some of your favorite free things to do in New Jersey? Share them in the comments below.

Featured image: “Early autumn at Rutgers Gardens” by Billtacular is licensed under CC BY-NC-ND 2.0 .

Is it time for an upgrade? Whether you need a new phone, a bigger TV, a faster computer or more powerful home appliances, AAA members have access to exclusive discounts to save on tech.

Samsung

You can get premium gadgets and appliances without breaking the bank by utilizing Samsung’s special discount for AAA members. At the exclusive online store for AAA members, your discount will automatically be applied as you shop, and you’ll be able to see all your deals in one place. You’ll also get access to limited-time offers on phones, TVs, computers and home appliances.

Start shopping and saving.

HP

Looking for the latest in printers, PCs and computer accessories? HP helps AAA members save on tech. Unlock exclusive offers, upfront discounted pricing (no promo codes required!) and automatically-applied savings when you sign up for HP’s exclusive savings program.

Register today and get up to 35% off select HP products with free shipping and dedicated support.

Dell

Dell’s line of top-quality products includes desktops, laptops, tablets, TVs, printers and electronics accessories.

Save an additional 10% off Dell products by going to their exclusive online store for AAA members.

Lenovo

Lenovo has the electronics you need for work, home and play. Their selection of products includes laptops, PCs, software, smart devices, office chairs and even gaming essentials.

AAA members can access Gold level pricing and save up to 70% on clearance products.

Logitech

Logitech is your one-stop shop for computer accessories, including keyboards, mice, headsets, webcams, microphones, speakers, earbuds and VR devices. They also offer specialized tech and software solutions for businesses and creators.

Save 25% on select products.

Norton 360

Your privacy and personal information are more valuable than all the tech gadgets in the world. Protect yourself against viruses, malware and privacy breaches with Norton 360, which offers a password manager, real-time threat protection, cloud backups for your information, a secure VPN, dark web monitoring and more.

AAA members can save on a Norton 360 subscription.

T-Mobile

Your wireless carrier can make or break your day (or your wallet). T-Mobile provides fast and reliable wireless connectivity with simplified rate plans that won’t break the bank.

Thinking of switching over? AAA members who switch to T-Mobile can get up to $100 via a virtual prepaid Mastercard.

Discover more AAA Discounts.

When you get acquainted with your local food vendors, you get closer to your food. Our communities are enriched by the diversity of choices, the craftspeople and growers who have a specialized knowledge of the items they are producing and the close-knit ties between producers and consumers.

But, as we all well know, modern consumerism is all about convenience and speed. With the press of an icon on a phone application, you can have almost any item you desire shipped directly to your doorstep within days. Whole industries have had to transform to meet the changing technological advancements and the desires for convenience – to have things now.

Even the grocery business is seeing its share of new automation as Amazon rolls outs Amazon Fresh stores in the Northeast, offering a contactless option where patrons can skip the checkout lane and get in and out faster than ever before.

We often lose out on quality when our only options are mass produced in industrial quantities. When it comes to food, this can mean sacrificing all-natural ingredients for fillers, additives and preservatives. And while large grocery stores have always been about one-stop convenience, stocking items regardless of where they are produced or if they are currently in season, the venture into automated grocery shopping could feel even more disconnecting.

Taking the time to learn how your food was grown and produced allows you to make choices that match your ethics and your health requirements. Your neighborhood butcher, baker, fishmonger or farmer, can provide that knowledge, expertise and passion.

Meat and Poultry

A whole-animal butcher shop in Williamsburg, Brooklyn, N.Y., The Meat Hook sources meat and grocery items from small, family-run farms in New York. Their beef is 100% grass fed and finished, and their pork, poultry and lamb come from pasture-raised animals. They also have specialty meats like rabbits, geese and Cornish hens.

The Meat Hook’s products showcase a quality unmatched by what you’ll find in your average large grocery store. The beef is a rich, red color when unwrapped from its butcher paper – a far cry from sad grocery store cuts graying under plastic packaging.

But there are two items that will have you completely sold on The Meat Hook. The first is their weekly lineup of handmade sausages, which often includes beautiful, vibrant flavors like green Chorizo, currywurst, and lamb tzatziki. The second is the pate en croute. The ingredients can vary, but this loaf-shaped amalgamation of delicious flavors has, at times, included, pork, chicken, duck, pistachio, whiskey-soaked prunes, tomatoes aspic and butter/schmaltz crust. While certainly not new or even entirely unique, pate en croute represents the butchers’ desire to feed shoppers the good stuff and to push them out of their culinary comfort zones.

It may not be saving any lives, but if we could swap out a pate en croute for the mystery meat in a child’s Lunchables in every school cafeteria, it may just make for a better world.

If you are interested in the art of butchery, The Meat Hook also offers regular classes. For most of us used to purchasing beef already shrink wrapped and labeled, learning these skills is a way to become less detached from the process of obtaining meat.

Bread and Baked Goods

There are certain places, once visited, from which there is no turning back.

Take one step into La Bicyclette Bakery in Brooklyn, and you will be transformed. From your first step into the bake shop, the aroma of baked treats is intoxicating. Fresh baguettes baked daily will make you question how you ever bought bread off a supermarket shelf.

Grab a coffee and a fresh, flaky ham and cheese croissant, walk down to nearby Domino Park adjacent to the East River, and all will be right in the universe. At least for a little while.

Fruits and Vegetables

Whenever possible, support your local farmers and consider joining a Community Supported Agriculture program. CSA offers consumers the chance to become a member through a pledge, much like a subscription service, for the year’s harvest. If you don’t live close enough to a farm to join a CSA, look for local greenmarket options or support groceries that are sourced from the closest available farms.

Local farms offer us the ability to speak with growers to learn about issues like genetically modified organisms and pesticides, and to make the choices we feel most comfortable with.

Holcomb Farm in West Granby, Conn., has a CSA program as well as a local farm store selling their own produce and products from local businesses and producers.

Amber Waves Farm in Amagansett, N.Y., offers a CSA as well as a fantastic cafe and market. This is a beautiful farm to visit on your way out to the East End.

Blue Moon Acres in Pennington, N.J., believes in sustainability and soil health. Unlike many other local farms, it grows rice using Korean farming techniques.

Seafood

Every summer, throngs of party-going city dwellers flock to the East End of Long Island, N.Y., to swim, tan and dance until the early morning hours in the local watering holes in Montauk and the Hamptons. For a more relaxed vibe, come after Labor Day when the crowds have died down.

Any time you’re this close to the ocean, is easy to start dreaming of fresh seafood, oysters floating in their own delicious brine and the sweet flesh burrowed deep into the pockets of a lobster claw. And you’ll be happy to find all that at Montauk Seafood Company.

Owners Wesley Peterson and Douglas Davidson grew up in the waters off the East End. Their decades of fishing and relationships with other local fishermen give them a keen knowledge of the best of the Atlantic Ocean’s offerings. Ask them what’s fresh on the day you arrive, and you may just be fortunate enough to come across a beautiful rarity like pumpkin swordfish.

Before leaving town, make sure you stop at the seaside food truck Ditch Witch, that has been feeding locals and surfers for years.

Independent/International Grocery:

There are many independent, specialty groceries in our communities that offer regional ingredients and products that serve immigrants and expats. They serve a vital role in providing these communities with a connection to home. For Americans born in the U.S., they offer a taste of new flavors and an education into the culinary culture of countries around the world.

Tong Dee Asian Market in Woonsocket, R.I., has a wonderful variety of sauces from Southeast Asia, packaged noodles, coffees and teas, even fresh bahn mi sandwiches. It carries many items used in Lao cooking, which deserves its place in popular food culture.

Russell’s General is in the small, upstate New York town of Bovina. There are very few businesses in Bovina, and Russell’s is a must visit, stocking goods like fish sauce and pho mix. Stop by Russell’s and make sure you have dinner at Brushland Eating House before leaving Bovina.

Pinoy Republic and Sons is a Filipino grocery in Worcester, Mass. Even if you have limited knowledge of Filipino cuisine, or especially if you do, you need to shop here for the beautiful ingredients and flavors of the Philippines. Go on a hot summer day and order halo halo, the classic Filipino desert of ube (purple yam) ice cream, evaporated milk, red beans, flan, shaved ice, tapioca and whatever other sugary sweet items the proprietor wants to add to this magical concoction.

Local food businesses are an endangered species. In exchange for speed and convenience, get to know your food and support your community when you can.

Tell us about your favorite local food businesses in the comments below.

Featured image: The first course at Brushland Eating House: dried meats and eggs. (Tim Vetter)

Road trips are a great way to explore the country with lots of opportunities to see new places, meet new people and enjoy beautiful views. Mountains provide some of the most spectacular views you can find on a road trip. Even if you’re not the hiking type, driving through the mountains and up the winding roads that lead to these towering peaks is not to be missed.

New Hampshire is the place to be if you want reach the highest points in the Northeast, but there are plenty more highly enjoyable options throughout the region.

Mount Washington

New Hampshire

The New Hampshire White Mountains, named for their snow-covered peaks, are full of trails and roadways with beautiful scenery. If you’re looking for the highest spot, then you want to check out Mount Washington, part of the Presidential Mountain Range. At 6,288 feet, this mountain is tallest in the entire Northeast.

It’s easily accessible during the summer months by the Mount Washington Auto Road, so you can drive to the top rather than making the hike. At the summit, you’ll find the Mount Washington Observatory along with a café where you can get a little snack and take refuge if the weather turns. Even if you’re driving to the top, check out the weather first as a beautiful warm day at the base doesn’t erase the possibility of cold rain and high winds at the summit.

Mount Adams

New Hampshire

The Presidential Mountain Range has no shortage of towering mountains, with five that top 5,000-feet. This makes the Granite State the place to visit if you want the best mountain views. The second-highest peak in New Hampshire is also the second-highest peak in the Northeast. Mount Adams comes in just below 5,800 feet in elevation. Climbing to the top of this one is a challenge, but there are easier trails around the mountain that will let you get out and explore without having to be a hardcore hiker. The White Mountains are a popular vacation destination, so there’s no shortage of outdoor activities.

Mount Katahdin

Maine

The seventh-highest peak in the Northeast at 5,267 feet is found in the state of Maine. Mount Katahdin sits in Baxter State Park, which is part of the Maine Highlands. This mountain is about 25 miles away from the town of Millinocket and marks the northernmost point of the Appalachian Trail. There are numerous hiking trails, but climbing this one is not for beginners. Be sure you’re prepared before you head out for the day and if a strenuous hike isn’t to your liking, there’s still plenty to explore throughout the rest of Baxter State Park.

Mount Marcy

New York

Located in the beautiful Adirondacks, Mount Marcy is the highest peak in New York State at 5,344 feet, sitting just ahead of 5,114-foot-tall Algonquin Peak. These are the only two peaks in the state that exceed 5,000 feet. This one isn’t easy to get to and its varied terrain can be tricky for inexperienced hikers. If you do scale Mount Marcy, when the weather is clear, the view extends all the way to Mont Royal in Montreal. Its location in the Adirondacks means there’s lots to do in the area with kayaking, boating, hiking and towns to explore. Expect snow from October to May if you’re looking for a winter road trip destination.

Mount Mansfield

Vermont

Mount Mansfield State Forest is home to 4,393-foot Mount Mansfield, which is the highest peak in the Vermont. The forest covers 44,444 acres of state-owned land, an expansive state forest that provides lots of opportunities for nature lovers to explore.

Mount Mansfield’s summit ridge is unique for being one of only three mountains in the state where alpine tundra survived the ice age. The area is also home to several notches with a federal scenic-by-way that runs from Stowe Mountain Resort to Smugglers’ Notch Resort along Route 108. There are also numerous hiking trails suited for everything from a leisurely stroll to rock climbing. If you choose to visit during the winter months, you can even experience ice climbing.

Mount Greylock

Massachusetts

The highest point in Massachusetts at 3,491 feet is Mount Greylock. On a clear day, the view from the top lets you see 90 miles away and is simply breathtaking. This mountain has an auto road that can easily get you to that view and is open from late May through the end of October depending on the weather. The area has enough to keep you busy no matter the time of year. There are hiking trails from easy to difficult along with spots for camping. Visit during the winter months, and you can snowmobile the trails up to the summit.

Bear Mountain

Connecticut

As you move south the highest peaks in the northeast get a little shorter. In Connecticut, Bear Mountain is the highest peak at roughly 2,300-feet tall. Located in Mount Riga State Park in the town of Salisbury, this peak is a strenuous climb that leads to incredible views. There are also more family-friendly trails in the area that lead to their own spectacular views if you’re not up for a rigorous hike. Note that if you want the highest spot in the state, rather than the highest peak, then you have to look for Mount Frissell. While the 2,454-foot peak of Mount Frissell is in Massachusetts, its southern slope is in Connecticut, which makes it the highest spot in the state.

Travel to new heights in style. AAA members can save up to on Hertz rentals.

Today’s cars come with features galore, most of which are tried and true, positive additions to any motor vehicle. Navigation systems, smartphone compatibility, remote start, heated seats – the list goes on and on. But over the century-plus history of the automobile, not every new feature has hit the mark.

Whether strangely obscure, especially useless or astonishingly bizarre, here are some of the strangest car features ever offered.

Chrysler Highway Hi-Fi Record Player

In a major milestone in the evolution of car audio systems, Chrysler unveiled a custom record player in several of its 1956 models. The intention was pure, the execution muddled. Despite working well in high-end models, poor suspension systems in lower-tier vehicles caused records to skip. Additionally, Highway Hi-Fi could play only proprietary 7-inch records, forcing owners to go out and repurchase albums just to play in their car.

Toyota Van Ice Maker

It’s fair to say that this vehicle was not the most thought-out model Toyota ever produced. The company did, after all, name it “the van.” Then, there was the optional feature available in the LE trim: a shoebox-size freezer. The compartment was cooled by air-conditioning lines and came equipped with ice trays. This strange feature was surely a hit at tailgate parties, but otherwise, we’re not entirely clear on why anyone would need it.

Subaru BRAT Jump Seats

This strange car feature doesn’t even pass the eye test. One look at these rear-facing, open-air seats in the vehicle’s cargo bed seem to have “safety hazard” written all over them. And, indeed, passengers did get injured while riding in the back of the BRAT. Making matters worse, the seats were added only to save Subaru money. During the years the BRAT was being manufactured, the U.S. “chicken tax” imposed a 25% tariff on any trucks being imported into the country. By adding the ill-fated jump seats, Subaru could classify the BRAT as a passenger vehicle and save millions of dollars in taxes.

Honda Motocompo

The Motocompo holds the distinction of being the smallest scooter Honda has ever built. So small, in fact, it could fit into the trunk of the automaker’s subcompact cars, which is precisely what it was designed to do. The handlebars and seat folded into the toy-sized bike’s body to form a roughly 4-by-2-foot rectangle.

Some pose that the Motocompo was Honda’s attempt to promote itself as a manufacturer of both two- and four-wheeled vehicles. Unfortunately, no one could seem to rationalize why you would need a secondary mode of transportation within your primary mode of transportation. Introduced in 1981, the Motocompo was out of commission by 1983.

Fiat 500L Espresso Machine

In an attempt to make the morning commute less chaotic and more caffeinated, Fiat offered an optional espresso coffee machine in its 2013 500L model. The machine, developed in tandem with Italy’s Lavazza coffee company, was fully integrated into the passenger’s dashboard. It even came with accessories, including spoons and sugar holders. For safety and practical reasons, the machine worked only when the car was off. For safety and practical reason, the machine is no longer available. In fact, the 500L was discontinued itself several years back.

Water Bumpers

Water balloon bumper sounds like something out of a Moe, Larry and Curly skit. But believe it or not, these safety devices were real and nearly made their way onto commercially available vehicles.

The idea behind Hi-Dro Cushion cells, as they were known, was simple: the water could absorb the force of a collision, then redirect that energy by shooting through vinyl water chambers behind the bumper’s metal facing. In the end, the two colliding bodies would be cushioned, significantly reducing the chance of damage and injury.

Water bumpers never reached mass-produced vehicles, but they were constructed onto taxicabs in New York, San Francisco and other cities, where the most interesting thing about them came to light: they worked. Initial testing on taxis found accident repair costs and accident claim payments decreased more than 50%. But alas, between the extra weight, water turning into ice during the winter, and rather comical site of water balloons popping after a collision, water bumpers never caught on.

Cadillac Eldorade Brougham Drink Tumblers

At more than $120,000 in modern money, the 1957 Cadillac Eldorado Brougham was the most expensive production car in the world at the time it rolled off the assembly line. Although they paid handsomely for it, owners certainly got a lot for their money. The Cadillac came equipped with power seats, power windows, automatic locks, electronic trunk opener and air suspension, all premium midcentury amenities that have become commonplace today. But the Brougham’s most unique feature, and one you certainly won’t find in your next car, was in the glove box – six stainless steel drinking glasses held down by magnets.

Rolls-Royce Vignale Champagne Cooler

When American businessman Joseph Maschuch commissioned renowned Italian car designer Alfredo Vignale to customize a 1954 Rolls-Royce Silver Wraith, he had several requirements. Everything under the hood was painted green, all visible pipes were chrome-plated, air conditioning was installed and a full bar was added to the rear compartment. The most distinctive feature however, was out of plain sight. Underneath the right rear passenger seat was a toilet complete with a gold seat. The receptacle came with a mechanism allowing you to dump the contents onto the ground below. Before your imagination runs amok, know that the owner claimed the feature was used only as a champagne cooler.

Head to our auto history page to learn more about cars of the past.

What do you think of the strangest car features on this list? Which is your favorite? Tell us in the comments below.

It’s easy to overlook Bermuda – literally. The archipelago encompasses just 21 square miles in total. (For comparison, Rhode Island covers 1,214 square miles.) If Bermuda was a country, it’d be the fifth-smallest in the world. Instead, it has been a British territory since it was settled in the early 1600s.

Today, Bermuda is simply a small slice of paradise floating 650 miles off the coast of North Carolina. Packed within its small footprint is a culture and landscape you won’t find anywhere else in the world. You can experience all that Bermuda has to offer by booking a vacation with Norwegian Cruise Line, which sails to the island oasis throughout the year.

So, what exactly makes Bermuda so great?

The Weather

It wouldn’t be a stretch to say Bermuda has some of the best weather in the world. Unlike the Caribbean islands to the south, Bermuda has a subtropical climate. This keeps temperatures between the mid-60s and mid-80s year-round. Additionally, Bermuda avoids the rainy seasons that typically impact island destinations.

The Food

Influenced by its geographical location and colonial history, Bermuda has a distinctly unique cuisine that takes inspiration from British, Caribbean, African, Native American and Portuguese cultures.

You’ll likely find a wide variety of menu items anywhere you choose to dine, from fish chowder to ribs to curry. Of course, no trip to Bermuda is complete with trying some of the locally caught fish.

The Transportation

Getting around Bermuda is a breeze. In fact, you can feel that breeze upon your face if you rent a scooter or bicycles, two popular forms of transportation. If you’re traveling along the roads, remember that Bermuda adheres to Britain’s rule of driving on the left side of the road. Also, the speed limit never exceeds 20 mph.

Buses and taxis are also widely available throughout the islands, but the most efficient way of getting from one end to the other is via ferries. While there are local operators that travel to different spots across Bermuda, Norwegian Cruise Line offers its passengers a complimentary ferry service from the Royal Navy Dock Yard on the western end to St. George on the eastern end.

The Attractions

For such a small country, Bermuda has ample attractions worth visiting. Whether you want to explore the region’s history and shop for handmade artisan crafts, or sit back at one of the many pristine beaches before grabbing an authentic Bermudan meal, there’s no limit to the adventures to be had.

The Royal Navy Dockyard

The dockyard, located just of the cruise ship pier, is an ideal place to spend an afternoon as it offers a little bit of everything. Those looking to indulge in a session of retail therapy can peruse the shops of the Clocktower Mall. Originally constructed in the 1850s as a warehouse for the British Navy, the building is now home to boutiques and shops selling souvenirs, jewelry, handmade crafts and more.

Just a stone’s throw away sits what will be the jewel of any history buff’s itinerary: the National Museum of Bermuda. Housed within the country’s largest fort, the museum tells the 500-year history of this resilient island territory. As an added bonus, visitors will get one-of-a-kind views from the site’s hilltop location.

Just below the said hill is Snorkel Park Beach, the area’s top family attraction. Guests can rent everything from float toys and snorkel gear to kayaks and jet skis, or simply opt to lounge on the beach underneath the perfectly blue sky.

Hamilton

As the region’s geographical, political and social epicenter, the city of Hamilton is as cosmopolitan a neighborhood as you’ll find in Bermuda. Centrally located, Hamilton serves as Bermuda’s capital city and a cultural hub filled with shops, museums, galleries and gardens. Among them are the Bermuda Underwater Exploration Institute, Bermuda Botanical Gardens, Masterworks Museum of Bermuda Art, Fort Hamilton and the Cathedral of the Most Holy, where visitors can climb 155 steps to the top of the cathedral tower for panoramic views of the surroundings.

Hamilton may be at its best when the sun goes down. On Wednesdays during the summer, downtown Hamilton’s main road, Front Street, is shut down for the weekly Harbor Nights festival, complete with dancers, artisans, family activities and street food.

St. George

The town of St. George is situated on the eastern end of Bermuda. The country’s former capital and an UNESCO World Heritage Site, St. George holds the distinction of being the oldest continuously occupied British settlement in the New World. That history is on full display to this day. A walk around the town’s centuries-old streets will lead you past colonial-style cottages and well-preserved historic sites. Most notable among the latter is St. Peter’s Church. Originally constructed in 1612, this place of worship is the oldest Anglican church outside of Britain.

There’s plenty of natural wonders to explore in and around St. George, as well. To the north sits Tobacco Bay Beach and its incredible limestone formations. Along the southern coastline, Cooper’s Island Nature Reserve is home to unique plant and wildlife you won’t find back home. But the east end’s most popular attraction may just be the Crystal Caves. Daily tours guide visitors down into these natural underground wonders to get a front-row look of a crystal-clear lake, stalagmite towers and white limestone icicles.

Shore Excursions

Those visiting Bermuda on a Norwegian Joy cruise can explore everything the island has to offer in unique and exciting ways through a variety of shore excursions. These include snorkeling through a protected coral reef, catching an epic sunset while sailing on a catamaran, cruising through nature preserves on an e-bike, exploring ancient shipwrecks, taking in a round at Belmont Hills Golf Course and touring the shoreline from boat or kayak.

These excursions are available to all Norwegian Joy passengers, so make sure to book your spot early!

Book your Norwegian Cruise today!