Via magazine | Nov+Dec 2020 | AAA by Via magazine | AAA Mountain West Group

NOVEMBER+DECEMBER 2020

How to install a child car seat Cybersecurity for the smart home Exploring San Francisco on foot

Holidays at home

Celebrate the season safely

Outsm rt Life

™

Protect what matters most with home security with strong cyber security standards and a special holiday offer just for AAA members. ✓ Premium security equipment with PowerG advanced encryption technology ✓ Control panel with military grade encryption ✓ Backed up by AAA 24/7 professional monitoring starting at $19.99/month**

Call 866-320-5883 or Visit AAA.com/SmartVia

Holiday Gift Offer

30% off Equipment

Promo Code: Gift30

All offers require purchase of new control panel. Installation or shipping fees apply. Contact us at 866-320-5883 for availability in your area. Certain terms and restrictions apply. * Requires new subscription to monitoring services. Discount applies to equipment only. Visit AAA.com/SmartTerms-30 for details. Offer expires 12/15/20. ** System sold separately. Discount applies to monthly alarm and smart home monitoring fees only. Valid AAA Membership required for discount. Visit AAA.com/SmartTerms for details. Alarm License No. CA - ACO-5195 and AZ - 18658-0 © 2020 A3 Smart Home LP All rights reserved.

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EVERYONE IS WELCOME BACK Find more than 100 specially curated offers just for you.

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2,378,696 COPIES Subscription rate: AAA pri-

mary members, $2 (included in dues). Change of address: Allow four weeks’ advance notice. Contact AAA at (800) 922-8228. Manuscripts and photos: Query ﬁrst; Via assumes no

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responsibility for return of unsolicited material. Reprints from Via: Contents copyrighted 2020 AAA Northern California, Nevada &

MANAGING EDITOR Whitney Phaneuf

Utah. No part of Via may be reprinted without

Katie Henry, Rebecca Smith Hurd

Design + Production

written permission. Contact Via Editorial: Address all mail to Via, AAA, P.O. Box 24502, Oakland, CA 94623, or viamail@viamagazine. com. Contact Via Advertising: Address all

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Via (ISSN 1093-1716) is published four times a year, in March, May, September, and November by AAA Northern California, Nevada & Utah, 1277 Treat Blvd., Suite 1000, Walnut Creek, CA 94597. Periodicals Postage: Paid at Walnut Creek, CA, and at additional mailing ofﬁces. Postmaster: Send address changes to Via, AAA, P.O. Box 24512, Oakland, CA 94623.

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10/27/20 4:24 PM

CONTENTS

November+December 2020 / Vol. 141 / No. 5

A walk through San Francisco’s Marina District must include the Palace of Fine Arts. Page 38.

FE AT U R E

D E PA R T M E N T S

38 The Streets of

4 To Our Members

27 Smart Guide

6 Insider

33 Annual Meeting Notice

10 Community

48 #ViaAdventure

San Francisco

Uncover the heart of the City by the Bay with a stroll through four off-the-beaten-track neigh borhoods: the Mission, the Inner Richmond, the Marina, and North Beach. by p e t e r f i s h

Reflecting on the year and looking ahead to 2021.

Enjoy member discounts on gifts for the entire family; new Blue Shield plans add AAA Membership to Medicare.

JAMES BUETI; COVER: SVETIKD / ISTOCK

Expert advice on how to properly install a child-protective car seat.

15 Smart Life

Ensure your home is safe during the holidays.

The annual meeting of the Members of AAA Northern California, Nevada and Utah will be held on March 4, 2021.

A Member discovers her San Francisco neighborhood is ideal for exploring.

Tips for preparing for the season; a primer on electric vehicles; cybersecurity for the smart home.

20 On the Road

Your favorite places to play in the snow; a leisurely drive through southern Arizona; a weekend in Ojai.

ON THE COVER The coziest season of the year is here, bringing chilly days that beg to be spent relaxing around a fire with loved ones. Page 27. A A A | VIA

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TO OUR MEMBERS

Looking back, looking ahead

TIM CONDON, PRESIDENT & CEO

Connect with us AAA.com/ facebook Instagram .com/aaa_via AAA.com/ twitter

Share your thoughts Send comments, tips, or questions to viamail@via magazine.com or Via, AAA, P.O. Box 24502, Oakland, CA 94623. Your input may be edited and published in print or online.

JEFF XANDER

The holiday season has always been one of my favorite times of the year, this unprecedented year being no exception. This season has me in a more reflective mood than usual, looking back on our past journeys and looking ahead to what awaits in 2021. My reflections start, as always, with how much I appreciate you, our valued Members. The confidence you put in our abilities to help you outsmart life—on the road, at home, and nearly everywhere in between—is humbling. But we’re up for the challenge whenever and wherever we’re called to serve you. We’ve received positive feedback from Members on many of the new benefits and upgraded services AAA has introduced during 2020. Many of you have taken advantage of our Smart Home self-install solutions, which provide trusted home security and monitoring in markets where our professional installation services are not yet available. Others have used AAA discounts to save on everyday as well as special purchases. We’ve been offering a 50 percent savings to Members who add family and loved ones to their Membership account; that too has been well received. And the expansion of our regional services—such as GIG Car Share and AAA House Manager—is making them available to even more of you. During 2020, you’ve also told us how reassured you feel having AAA by your side for roadside assistance, battery services, even auto insurance. That peace of mind was also evident in your use of our AAA-owned and -approved auto-repair centers to keep your vehicles road-ready. Your trust in our services is truly appreciated. Turning my attention to 2021, I’d like to encourage you once again to remember the hundreds of ways you can save more money as a Member of AAA. Bundling your auto and home insurance policies with AAA can save you hundreds of dollars. Those savings add up and can help you better manage your budget. We’ll continue to make improvements (and have some exciting new announcements) in the year ahead, all geared to adding more value to your Membership. For now, stay safe and healthy. And, again, thank you for taking AAA along on all of your life’s journeys. Happy Holidays and Happy New Year! ba.

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Insurance coverages you can count on. AAA Insur nce

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Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws. ©2020 AAA Northern California, Nevada & Utah. All rights reserved.

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AAA INSIDER

AAA Membership Give the gift of peace of mind when you get your family and friends a AAA Membership. They’ll remember your generosity year-round—especially when they need roadside assistance!

↘ AAA.com/gift

Samsonite Pick up durable suitcases, travel bags, backpacks, laptop bags, and more from one of the most trusted brands in getting your stuff where you need to go.

aaa member savings

20% off entire purchase online and in-store.

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AAA holiday gift guide Enjoy Member discounts on these thoughtful presents for the whole family.

Dell

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aaa member savings

Minimum of 10% off PCs, monitors, and accessories.

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Reebok Outlet Upgrade your family’s athletic wear for less at a Reebok Outlet. You’ll find plenty of old-school sneakers and modern kicks as well as cozy sweats and hoodies.

aaa member savings

15% off select purchases at Reebok Outlet stores.

↘ AAA.com/reebok

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10/28/20 10:48 AM

COURTESY 1-800-FLOWERS.COM, HP, TANGER OUTLETS, AND AAA

Win one of three prize packages.

Must-haves for streaming, gaming, working, or attending class, computers are in demand in every household. With Dell’s discounts, you can ensure everyone in your family is set up for success.

COURTESY SAMSONITE, DELL, AND REEBOK

DELL SWEEPSTAKES

1-800-FLOWERS.COM It’s not always possible to see all of your family during the holidays, but show them you care by sending a bouquet of flowers, a plant, or a gift basket.

aaa member savings 20% off flowers and gifts. Use promo code 20AAA at checkout. ↘ AAA.com/1800flowers

Tanger Outlets

Snap up the perfect present for the shutterbug in your life at HP, which offers printers ranging from the robust desktop HP Envy to the light and portable HP Sprocket.

Score designer styles at discounted prices at Tanger Outlets, where AAA Members receive a free coupon book for savings at select merchants. AAA Membership card must be presented with coupons at time of purchase.

aaa member savings

Up to 35% off printers, computers, and accessories, plus free shipping.

20% off select brands of apparel, shoes, luggage, and more.

↘ AAA.com/hp

↘ AAA.com/tanger

COURTESY 1-800-FLOWERS.COM, HP, TANGER OUTLETS, AND AAA

COURTESY SAMSONITE, DELL, AND REEBOK

AAA Smart Home Keeping your family safe on the road has been the AAA mission for over 100 years. Now that protection extends to your home with 24/7 security monitoring from AAA Smart Home.

aaa member savings

$60 off annually, plus an additional 30% off equipment using the code GIFT30. (Offer ends Dec. 15.)

↘ AAA.com/smartgift

A A A | VIA

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AAA INSIDER

New Blue Shield plans add AAA Membership to Medicare. As we all get older, health and mobility are the keys to staying independent. Now Blue Shield of California has come up with four new Medicare plans to help maintain both: Blue Shield Inspire HMO, Blue Shield Inspire HMO D-SNP, Blue Shield Inspire PPO, and Medicare Supplement Plan G Inspire. All combine essential medical coverage with a Classic AAA Membership. “We are excited to team up with AAA Northern California to bring important products and services to our Medicare Supplement Plan G Inspire and Medicare Advantage plan members as we continually strive to support

them in their health and well-being— and that includes helping them live vibrant, independent lives while giving them tools to stay safe on the road,” said Krista Bowers, general manager and vice president of Medicare for Blue Shield of California. “This collaboration exemplifies our mission as a nonprofit health plan to create a personal, high-quality experience for our most vulnerable members.” Blue Shield’s new Medicare Supplement Plan G Inspire will provide all the benefits of Medicare Supplement Plan G plus additional health services such as an allowance for over-the-counter medical supplies and reimbursements for vision care and hearing aids. The SilverSneakers fitness and wellness program covers gym memberships. All told, if fully utilized, Plan G Inspire has the potential to offer enrollees more than $2,000 in added benefits.1 All eligible Medicare Supplement Plan G Inspire members will also have access to a new benefit: Independence and Safe Mobility with AAA. (Blue Shield Inspire Medicare Advantage members must have one or more

1. Based on Blue Shield of California’s 2020 actuarial estimate of extra benefits. 2. Blue Shield Inspire’s SSBCI requires eligibility determination. You must meet one or more qualifying chronic conditions to receive this benefit. To determine eligibility for the SSBCI, Blue Shield Inspire members whose effective date of enrollment in the plan is January 1, 2021, or later must complete an Attestation Form and submit it to the plan. For members whose effective date of enrollment in Blue Shield Inspire is prior to January 1, 2021, Blue Shield will review member data to determine eligibility and will notify members of their eligibility. Please see the plan evidence of coverage for additional details.

KUPICOO / ISTOCK

Health and safety for seniors

qualifying chronic conditions to receive the Special Supplemental Benefit for the Chronically Ill, or SSBCI.) That means they can get all the benefits of a Classic AAA Membership, including 24/7 roadside assistance, and enjoy the use of edu cational tools and resources that promote safer driving, such as AAA’s Roadwise Driver (an online course designed to help sharpen driving skills and promote safe habits). “Membership with AAA opens the doors to so many exclusive services and benefits, including America’s most-recommended roadside assistance program,” says Rolando Flores, vice president of membership marketing at AAA. “Adding AAA benefits to Blue Shield Medicare Inspire plans will help senior drivers stay independently mobile for as long as possible and as safely as possible.” If you live in Northern California and reside in the coverage area, you could be eligible for these new Blue Shield Inspire plans. Medicare’s annual election period is October 15 to December 7, 2020.2 (Blue Shield Inspire Medicare Advantage plans that include the SSBCI vary by plan type, benefits, and service area.) If you are a Medicare beneficiary, you can apply for a Medicare Supplement plan at any time. To learn more about Blue Shield’s Medicare plan offerings or to review terms and conditions for these plans, please visit bsca.com/ roadsmart or call (855) 446-4237.

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COMMUNITY

How to install a car seat the right way by av i ta l a n d r e ws i l lu s t r at i o n s by h a i s a m h u s s e i n

Almost 75 percent of child-protective car seats in the United States are installed incorrectly. Errors are understandable: Installation instructions can be confusing and don’t always account for the variables of real-world vehicles. How to make sure your youngest passengers stay safe back there? Here are some tips from the experts at AAA. With the exception of the top tether strap, they apply to both rear-facing and forward-facing seats.

Choose the best place. Consult your vehicle’s manual to learn where a seat can be safely installed in the back seat. Make sure the seat is at the correct recline angle.

Position the chest clip correctly. Place the chest clip over the child’s sternum at armpit level. Leaving it lower, over the child’s stomach, can cause injuries.

Mind the strap gap. If there’s space between the bottom buckle of the car seat and your child’s groin, consult the seat’s manual: It may instruct you to adjust the strap or to fill the space with something like a rolled-up washcloth to create a more secure fit.

Make sure it’s tight enough. If the seat moves more than one inch side to side or front to back when you pull on it at the belt path, that’s too loose.

Use your car’s seatbelt or the seat’s lower anchors. If you’re using the seatbelt to secure the seat, feed it through the belt path (look for the arrows on the car seat labels) and consult your car’s manual for how to lock it in place. If using the seat’s lower anchors, check your car seat and vehicle manuals for approved positions. Note: Lower anchors have a weight limit (usually between 45 and 65 pounds), which includes the seat and the child; when your kid outgrows that limit, install the seat with the seatbelt.

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COMMUNITY

Enlist the top tether strap. The top tether keeps kids in forward-facing car seats secure in a collision—so use it every time. Connect the tether to an anchor and tighten. Your car’s manual will explain where your vehicle’s tether anchors are and how to use them.

Do the pinch test. To be sure the harness is tight enough, buckle in your child, then try to pinch the straps at his or her shoulders. If there’s any slack, tighten. Harness straps should lie flat. In rear-facing seats, they should feed through the slot at or just below your child’s shoulders; in forward-facing seats, they should be at or just above the shoulders.

Don’t add anything that doesn’t belong. Unless the manual specifies otherwise, never attach accessories that weren’t sold with the car seat, including toys, trays, mirrors, inserts, and pads. They can all affect how the seat will perform in a crash. If you need to keep your child warm, place blankets and jackets over the buckled harness, not under it.

Don’t turn children forward too soon. Little ones should stay rear-facing until they hit their seat’s maximum weight or height limit. Similarly, older children should stay in forward-facing, five-point harness seats until they reach the equipment’s weight or height limit. After that, it’s time for a booster seat.

✓ Look to AAA for help Check for recalls and expiration dates. Before you buy, check nhtsa.gov/recalls to be sure that the model you want hasn’t been recalled. Also check that it hasn’t expired. There should be an expiration date somewhere on the seat. (It’s typically printed on the back or bottom; if you can’t find it, check the manufacturer’s website.) If your seat is expired, replace it. If a car seat has been in a moderate or severe crash, get a new one.

After your best attempt at installing your car seat, have an expert doublecheck your work with an online inspection. Visit AAA.com/carseats to schedule an appointment with a certified technician. AAA experts will check for recalls, confirm that you’re using the correct seat, and show you how best to install it and harness your child. This service is free.

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The First Thomas Kinkade Candlelit Tree with Lights, Music and a Moving Train!

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*Only applies to new Associate Memberships; enrollment in Membership Automatic Renewal required when adding new Associate Member(s) to receive discount; may cancel Automatic Renewal at any time; promotion subject to terms and conditions of Club Membership Agreement, Club policies, and additional terms and conditions; promotion subject to change without advance notice and limitations. Visit AAA.com/50 for full details on promotion. © 2020 AAA Northern California, Nevada & Utah. All rights reserved.

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10/30/20 1:05 PM 10/30/20 1:06 PM

Get cozy under a blanket with a warm beverage and a good book.

Smart Life SMART LIST

5 things to do this winter ’Tis the season for snow-filled outdoor adventures and bonding with loved ones around a fireplace. it up. Save your out1 Pack door furniture from rain

damage by covering it or putting it away for the season. Store it in a dry place, like the garage, to keep it fresh for next year.

out a good book. 2 Check Gather around the fire-

place and crack open a family-friendly read on Nov. 1, Family Literacy Day. It’s a great opportunity to enjoy some quality bonding time and spark creativity in the minds of the little ones around you.

KELLY KNOX / STOCKSY

for winter 3 Prepare driving. A new season

brings new road conditions. Make sure tires are in good shape, windshield wipers work well, and headlights are clean and

bright. Run through the winter weather tips at AAA.com/winter-driving. a peaceful season. 4 Have One in three adults feels

anxiety around the holidays, according to the American Psychological Association. Fend off stress, get organized, and stay ahead of tasks with this handy prep list at AAA.com/less-stress.

frosty. Outdoor winter 5 Get fun doesn’t always require a lift ticket. From riding fat-tired bikes through the snow to viewing elk from a horse-drawn sleigh, the West’s best cold-weather adventures await! Looking for ideas or inspiration? Visit AAA.com/winter-fun. — k at i e h e n ry

A A A | VIA

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SMART LIFE

sumers. The most affordable is the Nissan Leaf, with a starting price of $32,525. Federal and state incentives can reduce the final cost by as much as $10,000. The most expensive EV is the lightning-fast Porsche Taycan Turbo S, which sells for $185,000. The best-selling EV model today is the Tesla Model 3, which starts at $41,000—only a couple thousand bucks more than the average U.S. car.

Q A

Answers to a few common questions about EVs.

According to the research firm Guidehouse Insights, nearly 17 million plug-in electric vehicles will be on the road in North America by the year 2030. But while the market for EVs is growing, there are still plenty of questions in buyers’ minds about their cost and practicality. Here’s what you need to know.

o electric vehicles provide D enough range for typical daily driving? The AAA Foundation for Traffic Safety reports that U.S. drivers go an average 31 miles per day. Most EVs today get roughly 200 miles from a single charge, providing plenty of range for daily commutes. One caveat: Cold weather can reduce that range by as much as 40 percent, according to a study by AAA. But even in that worst-case scenario, the average EV has enough juice from one charge for almost four days of commuting.

Q A

Are electric vehicles too expensive for average buyers? Kelley Blue Book estimates that the average price in 2020 for a light-duty vehicle (passenger car) is about $38,900. That’s a good benchmark. Currently, about 20 electric vehicle models are available to U.S. con-

Q A

Do EV owners risk having to replace costly batteries? Most automakers selling EVs offer a battery warranty of eight to 10 years. Electric cars have been on the market for only about a decade, so battery replacements have been extremely uncommon. That said, if you needed a total battery replacement today, it could cost several thousand dollars. A widespread market for used EVs with depleted batteries should eventually develop. By that time, the cost for replacement is expected to drop— and an entire industry dedicated to recycling and refurbishing batteries is likely to emerge.

DAVID H. COLLIER

Q FAQ: Electric A vehicles AUTO

ill I save money on fuel by W driving an EV rather than a gas-powered car? According to figures from the U.S. Department of Energy’s fueleconomy.gov, a Toyota Corolla that averages 33 miles per gallon will cost $1.52 to travel 25 miles. (That’s based on a gas price of $2 a gallon.) Switch to a 52 mpg Toyota Prius hybrid, and the price drops to 95 cents for those 25 miles. If you upgrade to a Tesla Model 3, which is rated at the equivalent of 131 miles per gallon, those 25 miles will cost only 83 cents.

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Q A

re EVs really that green A when the electricity they use is produced by burning coal? According to the Department of Energy, EVs convert more than 77 percent of electrical energy from the grid to power at the wheels. Gasoline vehicles only make use of 12 to 30 percent of the energy stored in gasoline. So as a matter of pure energy efficiency, EVs have a big advantage. Still, charging an EV does use grid electricity (unless you have solar panels). The Union of Concerned Scientists analyzed total carbon emissions for both gasoline and electricity production and use in every region of the country. Driving the average EV using grid-supplied energy creates carbon emissions equivalent to those of a 122 mpg gas car in California.

Q A

DAVID H. COLLIER

oes the U.S. electric grid D have the capacity to charge millions of EVs? Electricity demand has been flat for the past decade, while capacity has increased. If energy production and consumption continue to rise at the same rate, the grid should be able to meet fore-

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casts for increased use of electric vehicles, according to a study by the Pew Charitable Trusts. Most utilities welcome the opportunity not only to sell more electricity but also to spread demand throughout the day—and most EV owners charge their vehicles at night, when there’s extra grid capacity and utility rates are lower. Emerging technologies will also allow EVs to push energy stored in their batteries back to the grid, actually adding power to the system.

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Q A

an people who live in C apartments or multifamily housing own an EV? The convenience of plugging your car in at home is an advantage, with one notable exception. About one-quarter of U.S. residents live in apartments or condos without dedicated parking spots. That makes EV charging more challenging. EV owners who live in multifamily dwellings need to get creative. Strategies include asking the property owner to allow you to install a charger in the garage or parking lot and using charging spots where you park for work. Fortunately, the situation may improve. Many building codes now require make-ready spots for EV chargers in new construction. And Los Angeles, among other places, now offers a growing number of on-street chargers attached to light poles. — b r a d l e y b e r m a n

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SMART LIFE

up-to-date and its administrator password is strong. If you don’t know how to check and change its configuration, consult the manual. Secure your Wi-Fi network with a unique password and user name. Change the name of the network (SSID) from the default; don’t use a name that would help an attacker identify it (such as your address).

Hackers can target home security systems.

Make sure you’re using robust encryption. Before you buy or install any smart device in your home—especially if it’s related to security, such as a door lock—check its compliance with the Advanced Encryption Standard (AES).

Secure your smart home devices The tech you use to make your home smarter shouldn’t make it less safe.

Have a smart speaker at home? An intelligent thermostat? A video doorbell? For more and more of us, Internet-connected devices like these are making our homes smarter and easier to manage. But they have one big downside: They can be vulnerable to security threats. Unless they’re properly managed, smart home devices can be taken over by bad actors to do things such as override your security system. They could also give attackers access to the rest of your home network—and your data. “Securing your home network as part of installing your smart home security system is the most important thing you can do,” says David Judkins, cybersecurity lead for AAA Smart Home. Here are four ways to do just that.

Make your router and network harder to hack. If your router is more than two years old, replace it. Otherwise, be sure its software is

Use strong passwords. Follow the same password rules for your smart devices as you do for your bank and other sensitive online accounts. If a device supports twofactor authentication—meaning you get a text message with a numeric code each time you log in—use it.

Keep firmware current. Install firmware updates for your devices as soon as they’re available. (Many devices will do this for you automatically.) Periodically rebooting your devices and your router will help your network remain secure.

— c h r i s to p h e r n u l l

Make your home smarter and safer with AAA. AAA Smart Home’s premium bundles are tested against security threats. Monitoring starts at $19.99 per month. Call (844) 669-2221 to see if AAA Smart Home is available in your area. AAA.com/smarthome.

ROSSHELEN / SHUTTERSTOCK

HOME

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On the Road

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Editor’s note: Before you go, call ahead to check on the status of any place you plan to visit. You should also consult the CDC’s latest travel advisory at AAA.com/cdc. This applies to all locations mentioned in On the Road. “The Lake Tahoe area, at the California-Nevada border, has plenty of ski oppor tunities, from family-run slopes to megaresorts. I’ve skied them all and taught my children—and now teach my grandkids—how to ski here. We always enjoy the beauty of Lake Tahoe.” — m i tc h ko p p

MEMBERS’ FAVORITES

Snow play ↘ These destinations offer something for every snow lover, from skiing and snowboarding to snowshoeing and sledding. “The sweet mountain town of McCall, Idaho, is covered in snow all winter, and quiet after the summer tourists leave. Payette Lake has wonderful ice fishing. You can ski and snowboard at Brundage Mountain or snowshoe the trails of Ponderosa State Park. From late January to early February, McCall holds its annual winter carnival, with public snow sculptures adorning the town. It’s a winter wonderland!” —l au r e n m as t h e r s h e y “To play in the snow, we head to Oregon’s Crater Lake for crosscountry skiing and making snow people in the midst of beautiful scenery.” —b a r b a r a ko c h e va r

RACHID DAHNOUN / TANDEM STOCK

“Yellowstone National Park provides winter hiking, snowshoe, and crosscountry ski trails—and most of the time the elk and bison stay physically distanced. Ice sculptures form around the geysers and hot springs, and Old Faithful and all the other Yellowstone wonders are a special treat with smaller crowds around.” —b e t h l a n d i s

Games. The hub of Whistler is a compact village at the base of both mountains, and the friendly hosts make a visit all the more relaxing.” —m i c h a e l s to n e “We love Mount Shasta in Northern California. Great runs for young and old alike, with a deep base of snow. Plus, it’s not too expensive and never that crowded.” —e l i z a b e t h j o h n s o n “Snowbasin Resort just outside Ogden, Utah, has excellent snow for skiing and snowboarding, with trails for all levels. The gondola and lifts get you to the top of the mountain quickly, with stunning views of the snowcapped peaks. And trails for snowshoeing and tubing are right down the road, too.” —c h e r i e m a lo n e

“Arizona’s Pinetop-Lakeside is a nice escape. There’s a winter celebration with a tree lighting and holiday floats in the park. Forest Service trails leading straight from town are great for snowshoeing, and there are plenty of hills to sled down.” —s u z a n n e s i n g e r

“British Columbia’s Whistler Blackcomb is the best place to play

in the snow—and one of the largest ski resorts in North America. The area offers skiing, snowboarding, snowshoeing, and tobogganing at Whistler Olympic Park, the venue for the Vancouver 2010 Winter

NE X T QUESTION

What is your favorite local spot for a picnic and why? Email us at otr@viamagazine.com. You may be quoted in a future issue.

A A A | VIA

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ON THE ROAD

WEEKENDER

Ojai, California

top: Perusing new finds and old classics in the labyrinth of shelves at Bart’s Books. bottom: Cheese, charcuterie, and meze spreads served with local produce at Tipple & Ramble.

↘ Slow down and savor the celebrated sunsets in this southern Shangri-La.

mer one-bedroom cottage of Richard Bartinsdale, whose vast personal library formed the nucleus of this 56-year-old shop. Inside, cookbooks fill the onetime kitchen pantry, and dollar paperbacks share space with such treasures as an 1833 edition of Jane Austen’s Northanger Abbey. Browse the bookcases lining the sidewalk anytime; after hours, slip payment into a coin box in the door.

Steps from the town’s historic mission-style shopping arcade lies valley native Kiona Wachter’s restaurant, the Nest. Dig into longtime faves such as the fried chicken sandwich as well as newer dishes, including squid ink–tinted bao buns with crispy duck and pickled veggies. Dine in the courtyard at sunset and you might catch a glimpse of Ojai’s celebrated pink moment, when alpenglow bathes the looming Topatopa Mountains in rosy hues.

●

Plenty of trails switchback up Ojai’s surrounding mountains, but the Ojai Valley Trail provides a scenic stroll

●

without the strain. Follow ing the railway route that once carried the valley’s famous citrus to the rest of the world, this tree-shaded path ultimately connects the center of Ojai to the coastal city of Ventura. To get to the Taft Gardens & Nature Preserve, you wind along ●

a private road to a hidden Eden in the valley’s foothills. The tranquil gardens are renowned for their rare and exotic plants, including the giant Aloe ferox that sprouts brilliant orange blooms in winter. Enjoy lunch under centuries-old oaks on the Lily Grove Lawn while marveling at brightly colored banksias and Queensland bottle trees in the Australian garden. Reservations required.

●

Set on a quiet side street,

Tipple & Ramble is an

indoor-outdoor wine bar with the feel of a garden party. Under leafy king palms, guests nibble on flaky beef empanadas and seasonal toast. A 1958 trailer doubles as a tasting bar offering sips of Central Coast wines, while a mini boutique displays housewares. —ga r r i c k r a m i r e z

IF YOU GO

Call ahead to check on the status of any place you plan to visit. You should also consult the CDC’s latest travel recommendations at AAA.com/cdc.

MELISSA BARNES (2)

At the center of Bart’s Books, you’ll find the for-

●

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FIVE GREAT LAKES

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Downtown Bisbee has a rich art, music, and food scene.

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Bisbee and beyond ↘ Take a leisurely drive through southern Arizona.

AN PHAM

Some 150 years ago, prospectors flowed into southeastern Arizona seeking copper, silver, and gold. The mines have since played out, but a road trip from Tucson to Bisbee still promises gems. The southern Arizona grasslands hold a particular beauty, while the flat valleys and craggy mountains provide a stunning backdrop for superb sunsets, Wild West towns, and a host of natural wonders. ● Once you’ve left Tucson behind, you’ll reach Vail, a small town

beneath the Rincon Mountains. Vail serves as a gateway to the Arizona National Scenic Trail, an uninterrupted 800-mile path that stretches from Mexico to Utah. Enter from the Gabe Zimmerman Davidson Canyon Trailhead, and you’ll catch valley views from the agave- and saguarofringed path. Want to see some wildlife? Apply online for a permit to visit Cienega Creek Nature Preserve, a portion of the trail that’s home to horned lizards, javelinas, and more than 150 bird species, including roadrunners. ● Underground treasures await at Kartchner Caverns State Park in Benson. Over 250,000 years, water shaped this limestone cave, creating thousands of ivory-hued stalactites and stalagmites. On the 90-minute Rotunda–Throne Room tour, you can gape at a 21-foot, three-inch-long soda straw stalactite—the world’s longest. While you’re in the neighborhood, drive the half-mile dirt road to Singing Wind Bookshop, self-proclaimed

Experience 400+ wineries at this centrally located DoubleTree Hotel. Spend your day exploring the area, or stay around the hotel, and play a round of golf or relax at the heated pool. As your day winds down, grab a glass of wine at Gather Bar & Patio. Next door to Bear Republic Brewery and one mile from Graton Casino. Ask about AAA member discounts at time of reservation.

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8/21/20 12:34 PM 10/28/20 3:27 PM

VISITING SAN FRANCISCO?

ON THE ROAD

The Golden Gate Bridge has ALL ELECTRONIC TOLLING. Learn about how to pay your toll at goldengate.org/ tolls

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Tombstone’s main drag, Allen Street.

“Headquarters for Books about the Southwest,” where tomes line shelves hewed from local mesquite wood.

8/12/20 12:16 PM

Down the road sits St. David, an ancient lakebed that now hosts Holy Trinity Monastery. The 150-acre grounds are full of surprises, from the tidy rows of pecan trees to the peacocks roaming the meditation garden. Visitors can relax by the koi ponds, check out the 10,000volume lending library, or swing by the gift shop to buy bags of locally grown pecans.

operating a brothel and an invitation to a hanging. After your visit, wind down with a bite at the beautifully restored Crystal Palace Saloon.

●

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● The wild and woolly days of the Old West come alive along the wooden sidewalks of Tombstone. Local reenactors channel Doc Holliday and the Earp brothers dueling on the dusty streets near the O.K. Corral, while nearby, hardworking editors churn out fresh editions of the 140-year-old Tombstone Epitaph. Tombstone Courthouse State Historic Park showcases mementos of Tombstone’s history, such as a tax license for

Nestled in the Mule Mountains,

Bisbee gained fame for its rich cop-

per and gold mines. The mines have closed, but the town is still booming, with a rich art, live music, and food scene. Today, saloons once again line the hilly streets of Brewery Gulch, while a dozen nearby galleries display paintings, pottery, sculpture, and jewelry. No place better fuses the town’s past and present than Café Roka. Housed in an early 1900s building with hardwood floors and pressed-tin ceilings, the eatery provides thoughtful entrées (artichoke and portobello mushroom lasagna with ricotta, mozzarella, and Roka red sauce) along with views of Bisbee’s bustling downtown. And if you want to dig into the area’s subterranean past, tour guides at the Copper Queen Mine will take you 1,500 feet underground. —s a l ly b e n fo r d

BRIAN WELKER / ALAMY

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10/28/20 3:27 PM

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ON THE ROAD

WEEKENDER

This artsy enclave’s Sedona, ↘breathtaking red rocks and sublime food scene nourish Arizona both body and soul.

Editor’s note: Before you go, call ahead to check on the status of any place you plan to visit. You should also consult the CDC’s latest travel recommendations at AAA.com/cdc.

Sedona is known as a spiritual Shangri-La buzzing with natural high-energy vortexes, swirling electromagnetic fields supposedly infusing visitors with inspiration and healing. During a beginner-friendly Rise and Shine outdoor yoga session with Aumbase Sedona, you’ll amble to Airport Mesa Vortex, a high plateau famed for its panoramic views and power to create serenity. As the sun rises, you’ll perform flowing

●

poses, harmonize your chakras, and connect with the sienna-toned earth. The area’s stunning scenery has inspired a thriving creative scene, and hopping around the town’s 80-plus galleries is a local pastime. The focal point is the Sedona Arts Center, which spotlights the work of more than 100 Southwestern painters, sculptors, jewelry makers, and other artists. Although classes are being held online this winter, the center will offer some in-person workshops, including pencil drawing and tapestry making. ●

At Red Rock State Park, go on a geology hike to discover how Arizona’s Mogollon Rim rusted and receded into Sedona’s burnt orange bluffs. An archaeology walk will acquaint you with the Sinagua, the preColumbian people who etched petroglyphs and built dwellings in the sheer cliffs. Or you can stroll along herbscented Oak Creek to spot great blue herons, otters, and mule deer.

●

Sedona’s culinary arts scene is equally exciting, thanks in part to two awardwinning chefs. At Butterfly Burger, you’ll be cocooned

●

in dusky, seductive surroundings as you savor Lisa Dahl’s swoonworthy fare. Pair a truffle-tinged Funghi Sublime burger or nutty vegan Hipster burger with a boozy milk shake such as the limoncello-spiked Lisa’s Lush Lemon. For dinner, head downtown to Elote Cafe, where you can bask in sunset views and sip a mescal margarita. Locals line up to taste James Beard Award finalist Jeff Smedstad’s sophisticated seasonal Southwestern and Mexican creations, including spicysweet lamb adobo and smoked chicken enchiladas. —keridwen cornelius

CLOCKWISE FROM LEFT: COURTESY ARIZONA STATE PARKS & TRAILS; KELLI KLYMENKO; JILL RICHARDS

clockwise: Vast views at Red Rock State Park; the Art Barn at the Sedona Arts Center; halibut in mole verde at Elote Cafe.

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Smart Guide

Mind your greenery. Christmas trees cause some 200 U.S. home fires each year. If you celebrate with a real tree, buy one that’s fresh and water it daily so it doesn’t dry out and turn combustible, advises Gary Russell, a senior catastrophe claims manager for CSAA Insurance Group. Set your tree at least three feet away from fireplaces and other heat sources, make sure any electric decorations are working properly, and remove the tree from your home before it’s desiccated. Prefer a fake tree? Get one labeled “fire-resistant,” and don’t put anything electric on it if it’s metallic. Be careful with other seasonal plants too: Holly, lily, mistletoe, pine, and poinsettia can be poisonous.

→ Safe at home for the holidays Before you decorate, prep your space to avoid common seasonal hazards. The winter holidays typically center around celebrating with family, which feels more important than ever this year. Even if you’re only able to connect with loved ones over video, you’ll want to be free to enjoy every second. These 13 safety tips will help your household avoid fires, falls, and other fails.

DANIEL KIM PHOTOGRAPHY / STOCKSY

by av i ta l a n d r e ws

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10/28/20 11:17 AM

SMART GUIDE

Stay warm—without getting burned. Keep space heaters far from anything in your home that could catch fire, and don’t plug them in until you’ve checked the circuit to confirm that it can handle the appliance. At least once a year, have your furnace inspected and replace its filter.

Only you can prevent cooking fires. Thanksgiving is the peak day for kitchen fires nationwide—followed by Christmas, Christmas Eve, and the day before Thanksgiving. Confirm that your smoke alarms have working batteries, review your household’s fire escape plan, unplug countertop appliances when they aren’t in use, and store a fire extinguisher in the kitchen. Never leave a lit stovetop unattended. Never throw water on a grease fire; turn off the heat and smother the flames with a pot lid. And, if you’re cooking a big bird, use an oven or a grill instead of a fryer.

Clear the air. When you’re spending a lot of time inside, air quality matters. Run an air purifier in each room, and change your HVAC system’s filters. Add plants to your everyday decor. “Having live greenery in your home is a great way to clean the air,” says physician Anna Cabeca.

Fend for Fido. Keep dogs away from cooked bones, potatoes, turkey skin, anything with onions in it, and sweets (especially any kind of chocolate). Keep all pets away from the Christmas tree, which could fall on them. Ingesting pine needles, tinsel or other decorations, or chemicals in the tree’s water can cause serious problems as well.

Shield your little ones. Protect the children in your life. Opt for unbreakable ornaments and shatterproof lights. If decorations have small, detachable pieces, put them on higher shelves or branches. Keep strings, ribbons, and plastic bags inaccessible. As for gifts, heed products’ age ratings. Don’t give toddlers playthings with small parts, and don’t present children under 10 years old anything with an electrical cord.

Deck the halls, ditch the falls. Decorating the house in tinsel and lights can easily look like a nerve-wracking scene from National Lampoon’s Christmas Vacation. Keep ladders and outdoor decorations far from power lines, use clips instead of nails around electrical cords, and raise plugs off the ground and away from moisture. Use outdoor extension cords outdoors, reserving indoor ones for indoor use, to prevent overload. Inspect light strands and discard any with damaged wires. Check for safety certification labels, and don’t pinch cords through small spaces. Using a ladder? Choose one that’s the right size for the job, follow every instruction on its label, set it on a firm surface, and pay close attention while climbing.

CLOCKWISE FROM LEFT: OKSANA2010 / SHUTTERSTOCK; CLICKMANIS / SHUTTERSTOCK; JEN GRANTHAM / STOCKSY

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SMART GUIDE

Imbibe responsibly. Enjoy alcoholic beverages in moderation and encourage others to do the same. Confirm that everyone has (or is) a designated driver. Add nonalcoholic drinks to your holiday standards. Check your state’s liability laws and your homeowners policy to see if you’re responsible for injuries or damage caused by intoxicated guests.

Tend your fire. Use a fireplace screen to prevent sparks from flying out. Keep kids and pets away from the hearth, and store a fire extinguisher nearby. “Make sure your smoke detectors are working properly,” advises Matthew Preble, a home services team leader with AAA, “by testing with actual smoke, not by pushing the button.” Replace the entire unit at least once a decade. While enjoying a fire, Russell says, “Don’t throw wrapping paper in the fireplace. It can cause flash fires. Instead, recycle or reuse it.” Dispose of ash by letting it cool for 12 to 24 hours before placing it in a metal bucket and moving it outside. And have your chimney and fireplace inspected and swept every year.

Keep candles contained. Candles are a big part of winter festivities. They should be placed at least 12 inches from any flammable items, including the Christmas tree. Keep candle displays someplace they can’t be knocked over, and stash matches and lighters away from kids. Never leave candles burning unattended; always blow them out if you’re leaving the house or going to bed. Consider using flameless, batteryoperated candle lights instead.

Make sure you’re covered. If something bad should happen—your dog bites a delivery person on your property, you have a house fire, your freshly cut tree slides off your car—insurance can help mitigate the mishap. Check your coverage to confirm that you have enough, especially to cover any new, high-liability items (such as a trampoline, jewelry, or electronics). Update your home inventory accordingly. Consider adding endorsements to your homeowners policy, Russell says. “This may also be the time to take out a personal umbrella policy for additional coverage,” he adds.

Assure food safety. While cooking, wash your hands often. Keep raw meat away from fresh produce, and use a food thermometer to make sure you’ve roasted that turkey or pork sufficiently. Refrigerate leftovers within two hours after a meal, and don’t eat anything more than four days after it was prepared.

CLOCKWISE FROM TOP RIGHT: SVETIKD / ISTOCK; NEW AFRICA / SHUTTERSTOCK; INNA REZNIK / ISTOCK

Secure your empty home. If you’re out of town during the holidays, set lights on timers, put a hold on mail and newspaper deliveries, ask a trusted neighbor to keep an eye on things, maintain your lawn service, and don’t discuss travel plans in public (including on social media). Before you leave home, turn off decorations to prevent an electrical short.

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Protect yourself from

LEFT: WINNIE VINZENCE / ISTOCK; RIGHT: PEOPLEIMAGES / ISTOCK

identity theft Fraud committed in your name can cost you time and money. Here’s how to avoid becoming a victim, plus tips for recovering if you do.

When Alexis Moore looked at her credit report as a matter of routine, she discovered a strange entry: a satellite TV service with an overdue balance of about $250. Moore, who wasn’t a customer of the company, figured it was simply a mistake. “I thought I could take care of it myself,” the Northern California–based attorney says. Turns out, someone had stolen her identity and racked up months of charges. “I reported it to the police and the Federal Trade Commission—all the things they say you’re supposed to do,” Moore explains. Despite her efforts, she says, a “firestorm of nonsense” erupted, one that took two years and a legal battle to extinguish. The thief was never apprehended. More than 650,000 people in the United States reported incidents of identity theft to the FTC in 2019. The actual number of victims is probably much higher, because these crimes take many forms and get reported inconsistently. Javelin Strategy by c h r i s to p h e r n u l l A A A | VIA

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their personal information or unwittingly downloading malware [malicious software] that will steal information.” Warren adds that the United States saw a rash of fraudulent attacks related to federal government stimulus checks earlier in the year.

» Knowing the consequences

»R ecognizing identity theft Identity theft is defined as illicitly using someone else’s personal information for financial gain or any other benefit. The most prevalent example is credit card fraud, in which the thief opens an account under an assumed name. Related crimes include getting a phone, renting an apartment, taking out a bank loan, or applying for a driver’s license with a stolen identity. The FTC tracks seven broad categories of identity theft, nearly all of which are on the rise. The ways criminals approach stealing someone’s identity vary just as widely. They might “skim” credit or debit cards by attaching a device to a legit card reader that captures and transmits account numbers and PINs. They may request a Social Security number under false pretenses in the form of a “phishing” email or phone call. They may pilfer personal information from documents taken from mailboxes and trash or recycling bins. These are but a few examples. The variety of identity theft scams seems boundless, says Jessica Warren, manager of fraud awareness, education, and outreach for Western Union. “There are romance scams, giveaway scams, even inheritance scams,” she says. “It’s something that can happen to anyone.” Steve Weisman, a law professor at Bentley University and author of the book Identity Theft Alert, warns that identity theft appears to be increasing in 2020, a trend he attributes to the Covid-19 pandemic. “Phony websites are luring people into providing 34

Because identity theft takes so many forms, the impact of an attack can range from inconsequential to life-changing. Fraudulent credit card purchases that the real cardholder discovers and reports quickly to the financial institution typically result in little or no damage to the victim; your liability tops out at $50. It’s more complicated with debit cards: Federal law limits your liability to $500 if you report an attack within 60 days; if you don’t, your liability is unlimited and you can lose all the money in your account, Weisman notes. That said, as Alexis Moore’s story shows, identity theft can have a severe and lasting impact. Scammers who open new accounts, borrow money, or even buy property in your name can cost you money and damage your credit long-term. The consequences of identity theft can go beyond financial problems too. Your stolen ID could be handed to police by the actual perpetrator of a crime, claiming to be you and opening you up to a wrongful criminal prosecution, says Gabe Turner, chief editor of Security.org. In one burgeoning type of identity fraud, scammers use a victim’s health insurance to get treatment or prescription drugs under the victim’s name. This could lead to medical bills and, if controlled substances are involved, criminal liability until the matter is resolved.

» Protecting your identity As with other aspects of your personal and financial life, exercising care and diligence will help you protect yourself from identity theft. Keep passwords, credit card numbers, and other information private to reduce your vulnerability. Shred paperwork before you recycle it. Regularly monitor your account activity. Discovering problems quickly decreases their impact on victims and expedites recovery, says Victor Lamond, operations manager for AAA Identity Champion. “We live in a fast-moving digital world, so the faster we can detect an instance of identity

VALERI POTAPOVA / SHUTTERSTOCK

& Research, a financial advisory firm, estimates last year’s total monetary losses nationwide due to identity fraud at $16.9 billion. Experts predict the losses will continue to grow. To protect yourself, it’s important to understand the basics about identity theft, the possible consequences of becoming a victim, and the ways you can minimize your risks.

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NICOLASMCCOMBER / ISTOCK

theft and take action, the better we will be at reducing risks to our finances, privacy, and reputation.” You can practice good digital hygiene by using strong passwords and two-factor authentication on your accounts, filtering out spam, being wary of attachments, installing software that regularly checks your computer for viruses and malicious code, and avoiding sharing details (such as your mother’s maiden name) on your social media accounts, which you should always set to private. It’s possible to monitor for fraudulent activity using two free tools: credit reports and notifications from financial institutions. Annualcreditreport.com, a federally mandated service, gives consumers access to a copy of their credit report from each of the major reporting agencies—Equifax, Experian, and TransUnion—once a year. These reports summarize all accounts open in your name, including payment history and other details. Your primary task when reviewing them is to make sure everything is accurate. If you find an error, open a dispute. (Pro tip: Rather than requesting all three reports at the same time, get a different one every four months, which improves your odds of catching any fraudulent activity early.) Meanwhile, set up email or text notifications for activity related to your debit cards, credit cards, and

bank accounts. This is the fastest way to uncover any wrongdoing. These alerts, which can be set up through each provider’s website, are highly configurable. For instance, you could be notified immediately if your debit card is used outside the United States, or if a transaction exceeds a certain threshold (whatever dollar amount you choose). To ratchet up your protection, you can opt into an identity-theft protection service (such as Identity Champion from AAA). These services, sold as subscriptions, keep tabs on your credit report and alert you to fishy changes. Some plans offer recovery assistance when personal information has been compromised, as well as insurance coverage that may cover financial losses related to identity theft.

» Recovering from an attack If, despite all your precautions, your identity is stolen, the best thing to do is take action right away. Call your bank and credit card providers, change potentially compromised passwords, and consider putting a fraud alert on your credit report. In more severe cases, you’ll need to take additional steps. The FTC outlines best practices online at identitytheft.gov. Steps include freezing your credit (asking each of the three major agencies to stop issuing new credit in your name until you decide otherwise) for extra security and reporting the crime to the FTC and local law enforcement. Much of this can be done online, and you’ll want a “paper trail” if your case ends up in court, as Moore’s did. Resolving an identity theft can take time and persistence, but failing to address it head-on can result in bigger problems. “There is no shame in looking after yourself,” Moore says. “If you see something wrong, don’t wait. Get help immediately.” ●

VALERI POTAPOVA / SHUTTERSTOCK

christopher null is a veteran technology journalist based in the San Francisco Bay Area.

Sign up for monitoring AAA Members can enroll in free identitytheft monitoring with our new AAA Identity Champion service as a benefit of Membership. Learn more at AAA.com/idcvia.

A A A | VIA

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MEMBER NOTICE

Annual Meeting Notice and Proxy Statement January 1, 2021 To the Members of AAA Northern California, Nevada & Utah: Please be advised that the regular annual meeting of the Members of AAA Northern California, Nevada & Utah (“the Association”) will be held at 8 a.m. Pacific Standard Time on Thursday, March 4, 2021, at the Renaissance Walnut Creek Hotel, Rooms A and B, 2805 Jones Road, Walnut Creek, California. Please bring your Membership card for identification and admittance. If you plan to attend the annual meeting, please observe the following health and safety precautions: ● Do not attend the meeting if you are

experiencing any health symptoms, including fever, cough, congestion, or shortness of breath.

● Please wear a facial covering at all times. ● Please keep six feet of physical distance

from all other attendees. Seating at the annual meeting will be arranged appropriately.

● We may be required to limit attendance

at the meeting to comply with state and local laws and guidelines.

It’s important that your vote is counted at the annual meeting, whether or not you plan to attend in person. Please indicate on the proxy form on page 35 your proxy, then sign, date, and return the form to the address listed at right. If you do attend the annual meeting and wish to vote in person, your proxy can be withdrawn at that time. ELECTION OF DIRECTORS

The following candidates for election to the Board of Directors have been nominated by the Nominating Committee, per the Bylaws of the Association: Peter Calihan, Arizona Paula Collins, California Robert Elliott, Arizona Maria Hernandez, California

Because the number of nominees and number of open director seats are the same, no election of directors will be held, and the candidates listed above will be considered elected, per Section 9 of the Bylaws. GENERAL PROXY

The proxy form on the next page appoints the person(s) named on the form as your proxyholder(s) to vote and act for you on any other matter to be voted on at the 2021 annual meeting—or at any other meeting of the Members of the Association—during the term of the proxy. The term of the proxy will be three years, unless you indicate your wish to grant the proxy for a shorter term. Consequently, the proxyholder(s) will have broad discretion to represent you and will vote on your behalf on a broad variety of matters, which may include election of directors of the Association, and/or proposals presented for the approval of Members. As of today, the Association is not aware of any specific proposals to be presented to Members at the 2021 annual meeting or at subsequent Member meetings.

PROXY INSTRUCTIONS

1. Print your name, your address, and your Membership number in the spaces provided on the proxy form. 2. If you wish for anyone other than Tim Condon (Chief Executive Officer) and Clay Creasey (Chief Financial Officer) to act as your proxy(ies), print their name(s) in the space provided. 3. Sign and date the proxy form on the lines provided. If the proxy is undated, your signature authorizes the Association to insert the date of receipt. 4. Your proxy can only be exercised at the regular annual meeting if it has been signed and filed with the Secretary before the polls open for the first contested issue, if any, at the meeting. Mail your completed proxy form to: Secretary AAA Northern California, Nevada & Utah P.O. Box 24502 Oakland, CA 94623 You may also fill out the form online at proxyonline.com/AAA. Forms must be received by March 1, 2021.

IMPORTANT INFORMATION

Before ﬁlling out the proxy form, please note: ● Every Member is entitled to vote, either

Kamili Moreland, Secretary

in person or by proxy.

● You may attend and vote at any regular

annual meeting or at any special meeting of the Membership, whether or not you have signed a proxy.

● If you now have a proxy in effect, you

may substitute a proxy of a more recent date.

● You may revoke your proxy at any time

by written notice.

● Your proxyholder must attend the annual

meeting of Members in person in order to vote.

Don Smith, Arizona Leo Soong, California A A A | VIA

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MEMBER NOTICE

Director Bios Paula R. Collins Member since 1981 OCCUPATION Founder and retired CEO, WDG Ventures Inc., and President, Portfolio Real Estate Consulting, real estate development and consulting firms in Northern California. A director of AAA since 1997, Ms. Collins is also a board member of the National AAA Federation, and the CSAA Insurance Company. She earned a BA from Mount Holyoke College and an MCP degree from MIT. She is a founding director of Presidio Bank, and a member of the board of the Glide Foundation. Ms. Collins is a former Chair of the board of the Presidio Trust in San Francisco.

Robert Elliott Member since 1974 OCCUPATION Owner and President of Elliott Accounting. He is currently the Chair of the Board for AAA NCNU and UNS EnergyFortis. Mr. Elliott has also served as the Chair for the Boards of the NBA Retired Players Association, Tucson Airport Authority, Tucson Metropolitan Chamber of Commerce, University of Arizona Alumni Association and Tucson Urban League. He is currently a board member for the CSAA Insurance Group; AAA Auto Partners, Inc.; the University of Arizona Foundation; and the University of Arizona Eller College of Business.

STATEMENT OF VIEWS The pandemic

STATEMENT OF VIEWS At AAA, we are

President and COO of Impact4Health LLC, a consulting firm. Ms. Hernandez is considered a thought leader in advancing health equity and social-impact financing for upstream interventions to reduce chronic disease. A resident of Union City, Calif., she was recently inducted into the Alameda County Women’s Hall of Fame for her contributions in health care. Since 2014, she has served on the board of AAA. She has also served on the Member Value & Innovation and Governance Committees.

Don Smith Member since 2012 OCCUPATION Retired CEO of CopperPoint Mutual. Mr. Smith spent 20 years in private industry with Continental Insurance Corporation followed by five years of service as Deputy Secretary for Compensation and Insurance in the Pennsylvania Department of Labor and Industry. He was named a Phoenix Business Journal Most Admired CEO in 2009. Mr. Smith previously served on the Board of AAA Arizona and currently serves on the Boards of AAA NCNU and CSAA Insurance Group.

STATEMENT OF VIEWS AAA strives to

STATEMENT OF VIEWS This is a special

Leo Soong Member since 1967 OCCUPATION A director of the Association since 1990, Mr. Soong is active on the boards of two high-tech start-ups. He was a financial analyst specializing in insurance before cofounding and becoming president of the Crystal Geyser Water Co. The Asian Business League’s 1989 Entrepreneur of the Year, Mr. Soong was a trustee of the Sutter West Bay Hospitals and Medical Foundation and a board member of PBS Inc. and the Asian Pacific Fund. Mr. Soong earned a bachelor’s degree with distinction from Stanford University and an MBA from Harvard University.

Peter Calihan Member since 1980 OCCUPATION Retired President of HughesCalihan Corp., Mr. Calihan is also the past Chair of the Boards of Directors for AAA Arizona; AAA Auto Partners, Inc.; University of Arizona Foundation; St. Joseph’s Hospital and Medical Center; PGA Tour Tournament Association; Business Product Council Association; and the Phoenix Thunderbirds. He has also served on the boards of the Catholic Diocese of Phoenix, Arizona Campfire, Arizona Town Hall, and Luke’s Men. STATEMENT OF VIEWS At AAA, we are

committed to providing products and services that make Members’ lives more secure and fulfilling. In our more digital world, investing in innovative products will provide the highest level of service into the future.

Maria Hernandez Member since 1974 OCCUPATION

be your trusted partner for smart home and transportation needs. As one of the most trusted brands in the nation, AAA is your provider of home security, emergency road service, car care, car sharing, and travel assistance. Your safety at home and on the road is our priority.

has spurred us at AAA to strive even harder to serve our Members. We recognize the paramount importance of safety on the road as we move forward. We will continue to innovate and expand our offerings.

time to be part of AAA. After decades of excellence in serving our Members, we now face a changing world requiring us to rethink how we meet their needs. I’m thrilled to be a part of it.

committed to delivering the best and most-needed services. It is a privilege to serve our Members and a responsibility we take seriously.

STATEMENT OF VIEWS Solving traffic-

safety problems is of primary importance to AAA. In response to Member complaints about aggressive driving, we recently conducted surveys and publicly reported on problem areas. We provided the information to the highway patrol for use in reducing aggressive driving and will work to educate the driving public.

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Submit this form by mail or online at proxyonline.com/AAA.

PRINT YOUR NAME BELOW

Proxy YOUR AAA MEMBERSHIP NUMBER

LAST FIRST

INITIAL

Please choose option A or B: Proxy Option A—I wish to appoint Tim Condon (CEO) and Clay Creasey (CFO), and their respective successors as Chief Executive Officer and Chief Financial Officer of AAA Northern California, Nevada & Utah as my proxies to attend the annual meeting of the Members of AAA Northern California, Nevada & Utah, a California nonprofit mutual benefit corporation, on Thursday, March 4, 2021, and any adjournment or postponement of that meeting. Proxy Option B—I wish to appoint the person(s) named below as my prox(ies) to attend the annual meeting of the Members of AAA Northern California, Nevada & Utah, a California nonprofit mutual benefit corporation, on Thursday, March 4, 2021, and any adjournment or postponement of that meeting.

I APPOINT: NAME(S) OF PROXYHOLDER(S) ADDRESS(ES) IF KNOWN

In the event that a proxyholder is not designated, the Chief Executive Officer and Chief Financial Officer of AAA Northern California, Nevada & Utah will be deemed to be the proxyholders appointed hereby. Said proxies shall vote in their discretion on all matters which may come before such meeting(s). Each proxy shall have power of substitution and any one of them shall have the powers hereby granted. You may revoke this proxy at any time. This proxy, unless revoked or replaced by substitution, shall remain in force for three years from the date hereof; but, if you wish this proxy to remain in force for only one year, check here: Voting on other matters and at other meetings. I further appoint the person(s) named above my lawful proxyholder(s) to vote and act for me and in my name at all regular and special meetings of AAA Northern California, Nevada & Utah, or at any adjournment or postponement thereof, held during the term of this proxy, in transacting any business that may come before said meetings, including but not limited to the election of directors, as fully as I could do if personally present. Said proxyholder(s) shall vote at their discretion on all matters that may come before such meetings.

SIGN HERE YOUR SIGNATURE

NUMBER

STREET + UNIT NUMBER

DATE HERE MONTH DAY YEAR (IF UNDATED, THE DATE OF RECEIPT WILL BE INSERTED BY A A A)

CITY

STATE

ZIP CODE

A A A | VIA

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Get the app. Get a world of access.

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When you download and use the AAA Mobile app, you can order roadside and battery service, gain access to your online Membership account, find money-saving discounts, and more. Put AAA at your fingertips today by visiting AAA.com/mobileapp.

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AAA Mobile app is a joint offering in collaboration with AAA-National, offering nationwide access, Member discounts, roadside assistance, travel planning tools, and more. You must have a valid AAA Membership to use this app. For full details on AAA Membership, visit aaa.com/membership-terms-and-conditions. © 2020 AAA Northern California, Nevada & Utah. All rights reserved.

Request service almost anywhere you are. AAA C r B ttery Service

We come to you—almost anywhere you are, nationwide—when you need help. We’ll test your battery for free, and if a replacement is needed, you’ll receive a $25 discount on the purchase of a new battery. We’ll even back it up with a 6-year warranty. Get a price quote and request service at AAA.com/carbattery.

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Arizona

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Cambria Napa

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Southern California

D oubletree Hotel Sonoma Country

19. Terranea Resort

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Products & Services

10. The Meritage Resort at Napa 11. All Northern California Selections

20. Los Angeles Tourism

21. AAA Wireless 22. Center for Sustainable Energy 23. Omaha Steaks

Central California

24. The Art of Robert Sexton

12. Big Sur River Inn

25. WeatherTech Floor liners

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Grand Canal Shoppes— Las Vegas

32. Fashion Show—Las Vegas 33. Riverside Resort and Casino— Laughlin 34. All Nevada Selections

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The streets of

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MARINA DISTRICT

NORTH BEACH

INNER RICHMOND

THE MISSION

Explore these four diverse neighborhoods on foot to discover the real city. ike all great cities, San Francisco holds a few secrets. Its big-name destinations— Fisherman’s Wharf, Union Square, Golden Gate Park—are justly famous. But tucked away elsewhere in its 49 square miles are districts just as appealing but all too often overlooked, by residents and visitors alike. Take, as examples, the Mission, the Inner Richmond, the Marina, and North Beach: Spend a day strolling any one of these easily walkable neighborhoods and you’ll experience a San Francisco that will charm and surprise you—and you just might find yourself falling in love with the city all over again.

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by p e t e r f i s h p h o to g r a p h y by j a m e s b u e t i m a p s by j o yc e p e n d o l a A A A | VIA

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2 18TH ST.

SOUTH VAN NE

7 . VALENCIA ST

20TH ST.

SS AVE.

. MISSION ST

. GUERRERO ST

DOLORES ST.

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22ND ST.

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hink of the Mission as a work of art— specifically, one of the murals that line Balmy and Clarion Alleys . The Mission’s wall paintings are brilliant, kaleidoscopic, and thronged with San Franciscans past and present—mothers and children, workers and writers, protesters and priests. Like the neighborhood itself, these cityscapes vibrate with history and dreams. The Mission is San Francisco’s oldest neighborhood—born in 1776 when Franciscan friars chose the vicinity for their new mission—and its newest, the favored hangout of the city’s 21st-century technorati. The Mission is adobe churches, prim Victorians, and sleek new condos. It’s artisanal pizza joints next door to botanicas and bodegas. It is never, ever boring. The best place to start your tour of the Mission

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is along 24th Street (or, as it’s dubbed on the street signs, calle 24, latino cultural district). And the best way to arrive there is hungry, because the stretch of 24th between Guerrero and Potrero has more inexpensive but irresistible restaurants than anywhere else in the city. For superior tacos, hit Taqueria Vallarta. Just down the street, Taqueria El Farolito’s burritos lead many polls as the best in the city. (Just don’t tell the folks at La Taqueria around the corner.) La Torta Gorda specializes in Mexican sandwiches stuffed with carnitas, chicken mole, and more. Eterna Primavera Bakery will satisfy your sweet tooth with pan dulce and other pastries; the breakfast huevos rancheros there are not to be ignored, either. Also on 24th, Mixcoatl is a colorful stop for Mexican arts, crafts, and clothing. In normal times,

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Precita Eyes Mural Arts & Visitors Center runs excel-

lent tours of the neighborhood’s famed public art, but you can also tour on your own. (Balmy Alley is almost next door to Taqueria Vallarta between 24th and 25th. Clarion Alley runs between Mission and Valencia a few blocks to the north.) If 24th Street represents the traditional Mission, Valencia Street epitomizes the neighborhood’s newer side. Check out Dsptch for stylishly minimalist backpacks and laptop cases. Topdrawer offers color-coordinated travel gear—notebooks, backpacks, weekend bags—that it calls “tools for nomads.” Valencia is also home to a crazily diverse food scene. The elegant gâteaux at Craftsman and Wolves gleam like gems. Stop two doors down at Dandelion for mochas and rich, rich brownies. In a pizza mood? Little Star does deep-dish Chicago style, while Pizzeria Delfina serves stellar thin-crust. Up 18th, Tartine cranks out spectacular breads, sandwiches, and pastries. For inventively flavored ice creams (honey lavender, roasted banana), continue on 18th to Bi-Rite Creamery for a cup or cone. Wrap up your tour at the spot where the neighborhood—and the city—began:

, popularly known as Mission Dolores. The adobe-walled, redwoodbeamed chapel charms in its simplicity; adjoining it is the grander basilica, added in 1918, whose twin aquamarine-tiled towers glitter in the Mission sun. The gardens, planted with native trees and roses, are a lush oasis of calm. From there, walk two blocks south to the Mission’s joyous backyard, Dolores Park . This 14-acre expanse received a $20 million makeover a few years ago: Now its sloping green lawn is the ideal perch from which to admire the whole Mission District spreading out below you and the glittering downtown skyline beyond—a living work of art.

Misión San Francisco de Asís

clockwise from top left: Precita Eyes Mural Arts & Visitors Center, champion of the Mission’s rich tradition of public art; Mixcoatl’s Mexican goods, from jewelry to sage bundles; a flight of brownies and other treats from Valencia Street’s Dandelion; the murals of Clarion Alley. A A A | VIA

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of San Francisco’s best Chinese food, plus delicacies from Burma and Spain, as well as first-rate shopping for books, kitchen supplies, and rare teas, all in one easyto-navigate package. The Inner Richmond’s center is Clement Street between Arguello and Park Presidio Boulevards. A fine place to start your tour is on Arguello at Arsicault Bakery . A couple of years ago, Bon Appétit magazine named it the bakery of the year. “Bakery of the century is more like it,” you’ll say to yourself when you taste one of the insanely buttery, flaky croissants. Head west on Clement itself, where neighborhood shopping leans toward the small and one of a kind. Tantrum’s circus-lettered sign promises fun before you even step inside; once you do, you’ll be delighted by the selection of toys and games, plus such curios as lamps shaped like ducks. Not far away, the Wishing Well Workshop has a well-curated selection of pens, paints, and paper for artistic types. Pete Mulvihill’s bookshop is an essential stop. Current best sellers, classics, children’s books—Green Apple will have whatever you’re after, either in

clockwise from top left: Schubert’s Bakery, home of the Swedish princess cake; putting the finishing touches on almond croissants at Arsicault; one of the sumptuous produce stands along Clement Street; a quiet spot overlooking Mountain Lake Park. 42

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ut-of-towners may not know the Inner Richmond, but San Franciscans revere it. Why? As Pete Mulvihill—co-owner of neighborhood institution Green Apple Books—puts it, it’s “the true diversity, the mom-andpop businesses, the cute shops that aren’t precious or stuffy, the cafés—what’s not to love?” He’s right. With its locals-focused business district, long straight avenues stretching south to Golden Gate Park, and tidy row homes, the Inner Richmond is pleasantly low-key. Spend a little time poking around, though, and you may find yourself staying the day. Out here in what natives call the Avenues, you’ll find some

city’s center for dim sum. Especially on Sunday, you’ll see people patiently lining up outside Clement’s many take-out places for siu mai, pork buns, and pot stickers; Good Luck Dim Sum and Xiao Long Bao Restaurant are reliable standbys. Burmese food is another Inner Richmond specialty, with Burma Superstar and Mandalay drawing fans of tea leaf salad and black pepper soup from all over the city. Craving dessert? Schubert’s Bakery has been serving lavish, whipped-cream-topped cakes—such as the spectacular raspberry Swedish princess cake— for more than 100 years. And generations of San Francisco kids have successfully urged parents to take them to the Toy Boat Dessert Cafe for sundaes and rides on Butterscotch, the mechanical horse. If you want to relax somewhere soothing and pretty after all your shopping, dim sum, and sundaes, head a few blocks north to Mountain Lake Park , where you can loll on the wide green lawn with views of reed-lined Mountain Lake. Like the Inner Richmond itself, this park is a hidden San Francisco delight.

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its main store or in the annex two doors down. The Inner Richmond is a paradise for foodies. Sidewalk displays fronting the Chinese produce stores overflow with dragon fruit and Asian pears. Aroma Tea gathers teas from China and Taiwan. The Spanish Table offers one-stop shopping for all things Iberian: regional wines and cheeses, chorizo and other sausages, and just about everything you need to make paella, from saffron to massive circular pans. If you’ve been cooking at home more lately and have realized that you absolutely must have an industrial-sized stockpot (it’s been known to happen), make a beeline for Kamei Housewares & Restaurant Supply , a cavernous space crowded floor to ceiling with gleaming pans, steamers, rice cookers, and more. And if you’re visiting on Sunday, don’t miss the Clement Street Farmers Market for fresh-from-the-farm produce, baked goods, and a warm sense of neighborliness. If all that food shopping excites your appetite, the Inner Richmond has you covered. Like the Mission, the Inner Richmond specializes in the inexpensive, unpretentious, and delicious. It’s the

GEARY BLVD.

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n a sunny day, San Francisco’s Marina District can s eem like the most blissed-out place on earth. Chestnut Street bustles with brunch goers debating Bloody Mar y versus mimosa, shoppers pondering sustainably sourced yoga pants, and kerchief-wearing golden retrievers leading their humans out for lattes. A few blocks away, along Marina Boulevard, r unners check their times on their Fitbits and the bay glistens like a turquoise necklace. It’s a carefree beach town stretching along San Francisco’s northern bay front between Fisherman’s Wharf and the Presidio, the city’s most relaxing yet energizing place to spend the day. Chestnut is the neighborhood’s retail heart. It’s very big on clothing, from sandals and shorts to more formal options. Amour Vert specializes in elegant ecofashion for women—pants, dresses, and tops in sustainable fabrics. Roark is the kind of store that makes you plan a trip to Bali just so you’ll have an excuse to wear the boldly

patterned adventure-friendly shorts, shirts, and swimwear. Foodwise, the Marina favors informal and ebullient. For a breakfast bite, Le Marais Bakery offers Paris-worthy baked goods. Hearty weekend brunches are a Marina tradition, and the chilaquiles and waffles at the Tipsy Pig are the midday meal at its best. For a simpler, more portable feast, stroll down to Lucca

CREDIT HERE

Marina District

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, where the cheerful green awning announces that the place has been selling sandwiches to San Franciscans since 1929. And what sandwiches! The caprese—fresh mozzarella with tomatoes, basil, and olive oil on ciabatta—is sublime. Other options include the Marina outpost of the local chain Tacolicious: Its carnitas tacos are succulent, the margaritas potent. Causwells is justly famous for its Americana burger, but the ribs and brisket should not be ignored. At Delarosa, pizza commands most of the menu; the margherita with Burrata is a popular choice. A16 is nationally acclaimed for its southern Italian cuisine and regionally focused wine list. After your tour of Chestnut, venture into the Marina’s residential streets, architecturally among the most appealing in the city. The area was developed on the site of the 1915 Panama-Pacific International Exposition, and even now it possesses a slightly exotic beauty, with red-tile-roofed Spanish revival homes and apartment houses lining streets named Avila and Prado

CREDIT HERE

Delicatessen

and Cervantes. Walk a few blocks to the west and you’ll come to the Palace of Fine Arts , a graceful remnant of the 1915 exposition. Designed by famed architect Bernard Maybeck, the ornate rotunda shimmers in the still waters of its reflecting pond, making it a favored backdrop for wedding photographs. From there, head north to Marina Boulevard and the Marina Green . Here’s the Marina’s spectacular front yard, a broad green lawn—on a nice day dotted with picnickers, yoga enthusiasts, and kids kicking soccer balls—stretching toward the Bay, with incredible front-row views of Alcatraz, the Marin Headlands, and the Golden Gate Bridge.

clockwise from top: The Palace of Fine Arts, which architect Bernard Maybeck modeled after a Piranesi engraving; a perfect after noon on the Marina Green; gathering the ingredients for a caprese sandwich at Lucca Delicatessen. opposite: Causwells, home of the Americana burger (and much more). A A A | VIA

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n a city filled with romance, North Beach is the most romantic neighborhood of all—“San Francisco’s lyrical heart,” writer Gary Kamiya called it in Cool Gray City of Love. Part of the romance comes from geography. It’s an intimate neighborhood, settled between Coit Tower–topped Telegraph Hill to the east and Russian Hill to the west, where narrow streets and pressed-together wooden houses make you feel you’re in a village separate from the city around it. The romance comes, too, from the people who have called North Beach home: its early-20th-century Italian immigrants, and later the poets who made the neighborhood ground zero for the Beat Generation. Times change, but these legacies persist: You can still get superb Italian food here, and

still find views that inspire poetry. The neighborhood’s spiritual center is Washington Square . Like North Beach itself, it’s small and charming—a place for picnicking, sunning, and lingering longer than you think you’re going to. Rising on the square’s north side is one of San Francisco’s most beloved landmarks: twin-spired, wedding-cake-white Saints Peter and Paul Church , built in 1924. Some of North Beach’s best restaurants cluster around the square. San Francisco icon Original Joe’s serves up old-school Italian American classics such as veal piccata and shrimp scampi. The urbane Park Tavern is best known for its Marlowe burger, with caramelized onion, cheddar, bacon, and horseradish aioli. Over at Tony’s Pizza Napoletana , you must first choose a style—classic American, classic Italian, Napoletana, or California, among others—and only then decide on toppings. All are delicious. And Mama’s on Washington Square serves breakfast all day, with eggs Benedict, salmon omelets, and more. In a coffee and pastry mood? Head to the charming little Victoria Pastry Company for cookies, cake, or tiramisu. From Washington Square you can see the rest of North Beach by ambling

N clockwise from top left: The twin spires of Saints Peter and Paul Church soaring above Washington Square; the poetry room at City Lights, complete with rocking chair; a pie emerging from the oven at Tony’s Pizza Napoletana; the sidewalks of Green Street, transformed for outdoor eating. 46

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IF YOU GO Call ahead to confirm the status of any place you plan to visit. Consult the CDC’s latest recommendations at AAA .com/cdc.

ICH ST.

SAINTS PETER AND PAUL CHURCH

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peter fish is a San Francisco–based writer whose work also appears in the San Francisco Chronicle, Coastal Living, and Sunset.

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a neighborhood shrine, where local director Francis Ford Coppola is said to have written the screenplay for The Godfather. Stella Pastry & Café can supplement your cappuccino with cannoli. For more ambitious meals, Sotto Mare shines with Italian seafood, including cioppino. For a take-out lunch, Molinari Delicatessen on Columbus is the Platonic ideal of an Italian deli, with sandwiches, salamis, and cheeses. Cute Little Vine on Grant makes out-of-the-ordinary sandwiches (such as smoked turkey breast, chorizo, provolone, and gochujang mayo) and offers a bounty of wines and cheeses. Take your food finds back to Washington Square for an alfresco meal, watch the city wheel by, and perhaps you too—like so many before you—will leave at least a little bit of your heart here. ●

North Beach

down Columbus Avenue , the neighborhood’s western boundary, then heading back on Grant or Stockton. At Columbus and Broadway lies one of the institutions that define North Beach: City Lights Books . Founded in 1953 by poet Lawrence Ferlinghetti, City Lights became internationally famous for publishing works by Allen Ginsberg and other Beat Generation writers, including Ferlinghetti himself. It remains an exemplary bookstore today, well stocked with Beat lit but also with contemporary fiction, nonfiction, and poetry. As in the Richmond, North Beach’s most interesting retail stops are small and one of a kind. On Columbus, Biordi Art Imports sells gorgeous dinnerware—both traditional and contemporary—imported from Italy. On Grant, Macchiarini Creative Design, now in its third generation of Macchiarinis, crafts striking jewelry and sculptures. If you require sustenance or caffeination, you’re in luck. No place in San Francisco has as many cafés per block as does North Beach. Caffe Trieste is

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#VIAADVENTURE AAA MEMBER PHOTO

Editor’s note: Before you go, call ahead to check on the status of any place you plan to visit. You should also consult the CDC’s latest travel recommendations at AAA.com/cdc.

Simple pleasures Walking the charming neighborhoods of San Francisco is a local pastime—as Peter Fish details in the “Streets of San Francisco” feature on page 38—and when shelterin-place orders were implemented around the state, residents discovered a quiet city ideal for exploring. “I found myself lingering in different neighborhoods,” says aaa Member Brooke Ekdahl, who snapped this photo while wandering the Lake District one morning in search of the perfect cup of coffee. “When shelter in place started, I was reminded to slow down and appreciate the things I had been taking for granted in the day-to-day grind.” One of those simple pleasures seems to be contagious: Ekdahl has noticed more people enjoying neighborhood walks, reconnecting with places in their own backyards. — k at i e h e n ry

Share your adventure. Post an original photo of a local excursion on Facebook or Instagram using #ViaAdventure. Your image may be published in print, or online at AAA.com/via.

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