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Billions of phishing emails are delivered every day. Here's how you can protect yourself.

Phishing: what it is and how to avoid it

Explore the vital role of travel insurance—unveiling common misconceptions, from gaps in employee benefits to the value of coverage


Am I Covered? Unravelling Common Travel Insurance Misconceptions

The fox you spotted on your hike may have spent time in an animal rehabilitation facility.

Wild at Heart: Meet the Rehabilitation Heroes Helping Wildlife 

Use our checklist and get your bike road-worthy.

Bike Safety: the ABCs of Safe Cycling

The ABCs of Safe Cycling

Abbey Gardens brings sustainability and natural beauty to the Haliburton community

Going Green: From Gravel Pit to Vibrant Social Hub

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How to Protect Your Vehicle and Outsmart Thieves and Carjackers

A seasonal switch checklist, winter tire myth-busting, how to build a backyard rink, and how CAA prepares for freezing temperatures.


Winter 2024 

Take On Winter

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*Text by Steven Bochenek.*

Oil is an essential part of your vehicle’s engine ecosystem, lubricating the many fast-moving parts and ensuring peak performance. You have choices about what type of oil to put in your vehicle—the variables being the type of oil and its viscosity (in essence, the liquid’s thickness). Read on to find out how different oil formulations can impact cost, vehicle performance and the environment.

## Types of oil
Requiring the least amount of production, __conventional oil__ is refined from crude and mixed with additives.

__Synthetic oil__ is composed of chemically treated petroleum components and synthesized additives—an intricate laboratory process—all to enhance chemical stability. Requiring more steps in production, it’s costlier (by a factor of about two to four times, according to *Consumer Reports*), but boosts engine longevity and performance.

Given that production intensity affects price, __blended oil__ is the Goldilocks solution, lying somewhere between the first two choices. Cheaper than fully synthetic oil, it also provides fewer of its performance benefits.

## Environmental impact
A non-renewable fossil fuel, crude oil requires extracting, transporting and refining. When it’s refined into conventional oil, the remaining impurities are more harmful than synthetics (and blends) when small amounts burn during your engine’s operation. Many synthetic oils are made of re-refined oils, whose production includes extra filtration to reduce contaminants. This means synthetic oils are arguably “cleaner,” while also improving fuel efficiency. Keep in mind, however, that more intensive production also consumes energy. In the end, cleaner and longer operation give synthetic oils an environmental edge over conventional oils.

## Performance
In cold Canadian winters, synthetic oils retain better fluidity than conventional oils and blends. In extreme heat, they resist degradation. Synthetics also clean residual gunk collecting throughout your engine.

## How to talk to your mechanic about oil
Trust your mechanic, a licensed expert, and explain how you generally drive. Tell your mechanic how far and often you commute. Do you tow, accelerate and/or brake hard? Do you leave town regularly? Drive on rural roads or mostly highway? Such details inform a mechanic’s expert advice regarding what oil grade to use and when to change it.

Most vehicles require an oil change at around 8,000 to 12,000 km, but some can go to 20,000 km. With such variance, don’t be afraid to ask your mechanic questions. And check your owner’s manual for the manufacturer’s recommendation.

__Questions about vehicles?__ Email autoadvice@caasco.ca or call 1-866-464-6448 with questions for our experts.

Ensuring Vehicle Performance: How to Choose the Correct Engine Oil

Different oil formulations can impact cost, vehicle performance and the environment — making the right choice is critical to ensuring your vehicle performs as it should.

Here's how to think ahead for a healthy, happy trip.

## Planning 
1.) Before booking a destination, check the Government of Canada’s Travel Advice and Advisories site ([travel.gc.ca](https://www.travel.gc.ca)) for any watch-outs, as well as information about visa and entry requirements for most destinations. 

2.) In several countries, your passport should still be valid six months after your travel date. Be sure to check your destination’s documentation requirements. 

3.) Ask your doctor about travel vaccine requirements well before your departure. In some cases, vaccinations should be spaced several weeks apart. 

4.) Determine what kind of travel insurance you’re going to need—emergency medical plans provide protection against the cost of medical emergencies. Trip cancellation plans and interruption coverage offers reimbursement for lost luggage and cancelled or interrupted travel plans.

## Packing 
5.) Photograph or print copies of all bookings and boarding passes, along with insurance details, your passport and any visas or required entry documents. Upload those photos to a secure cloud server, so you still have access to key documents in case your bags go missing.

6.) Keep prescriptions in your carry-on bag, as well as first aid essentials (including adhesive bandages, antiseptic wipes and travel-sized packets of anti-nausea, antidiarrheal and over-the counter pain medication). 

7.) Download a health app on your phone to store personal medical details in case of emergency. Include existing medical conditions, prescriptions, your doctor’s name and an emergency contact.

## On Arrival 
8.) Learn the local number to call in case of emergency—it varies from country to country. In some places, 911 calls are auto-directed to the authorities, but don’t count on it.

9.) Lock a second credit card, bank card or a little extra cash in the hotel safe, so you’re not without funds if your wallet is lost. 

10.) Plan your itinerary and share it with a friend at home, especially if you’re travelling alone.

Visit [caasco.com/travelwise](https://www.caasco.com/travelwise) for more ways to think ahead for a healthy, happy trip.

10 Savvy Tips to Travel with Confidence

Smart travels start before you leave the house. Follow these simple steps for a worry-free vacation.

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*Text by Doug Wallace.*

## *Mana* is Hawaiian for “spiritual energy” or “universal life force.” 
We begin the sunrise ceremony on the shore of Kauna‘oa Beach with the traditional chant *E Ala Ē*, led by our guide, Healani Kimitete-Ah Mow. This centuries-old morning ritual is intended to unite voices across the Hawaiian Islands and help visitors “appreciate the simplicity of life, appreciate the beauty that we have here,” Healani says, “and it’s important that we acknowledge those that came before us, because this is their land.”

She teaches us the chant before walking us slowly into the ocean. Waist-deep, we dunk our heads a few times, then drop leaves from the coastal plant *pōhuehue* into the water, each one a well-wish for our friends and family.

![Paradise Restored: A Sustainable Trip to Hawai'i](//images.ctfassets.net/8x7sonz8wgp8/5NXESWxL9yyeEaD3noH8ZE/379019cabdea69088fea6816d53263d5/F24_CAA_FEA-Hawaii_Pohuehue_Flower_Daeja_Faris_Hawaii_Tourism_Authority_.jpg)

My first sunrise on Hawai‘i Island—previously referred to as Big Island—is also my first taste of the 50th U.S. state’s refreshed approach to tourism. I’m already seeing how Hawaiians are encouraging visitors to experience the islands in a more engaged and responsible way, one that goes beyond the sun and sand.

Healani, our cultural ambassador at Mauna Kea Resort, is one of many locals hired by hotels across the archipelago to foster a renaissance of Hawaiian heritage and pride. It’s one small part of a movement to preserve the local culture and environment and a return to the values that make this place so special.

These experiences are more than just entertainment—they provide teachable moments for visitors. Breezing in and out of Hawai‘i without learning about local culture perpetuates an ignorance that hampers efforts to protect the islands. It’s also a missed opportunity, considering there’s a fascinating 3,000-year-old history to explore, one the local people are urgently trying to preserve.

## *Mālama* means “to care for,” “protect.” 
I’m here to participate in the Mālama Hawai‘i program, which is one way the state government is encouraging visitors to give back to the land, ocean and wildlife, as well as to the communities you don’t see from the windows of a fancy hotel. In partnership with the Hawai‘i Visitors and Convention Bureau and the Hawai‘i Tourism Authority, the program offers voluntourism experiences that help protect fragile habitats and ecosystems. It’s an idea whose time has more than come. Given last year’s tragic fires in Maui, nurturing this part of the world feels more important than ever.

![Paradise Restored: A Sustainable Trip to Hawai'i](//images.ctfassets.net/8x7sonz8wgp8/5vHFRmXZfGRJ6eUgca1nR6/3ebcef409410802ae0dc70bb4f0ac43f/F24_CAA_FEA-Hawaii_Stewardship_At_The_Summit-Doug_Wallace_HNM_Photographyjpg.jpg)

## *Laulima* (“many hands”) is about working together for a greater cause.
Sturdy garden clippers in hand, I’m cutting away thick-butsoft stalks of Himalayan ginger and putting them in piles. The forest floor of this part of the Hawai‘i Volcanoes National Park is overgrown with the weed. I’m one of about a dozen volunteers who have gathered here to remove this invasive species and give native plants a chance to thrive. The project, called Stewardship at the Summit, is part of the Mālama program and is led by Paul and Jane Field, who are spending their retirement in service to the forest. They meet volunteers here every Saturday morning.

“We’ve been doing this for 10 years. We love the park,” Paul says of this international biosphere reserve and UNESCO World Heritage site. “Invasive ginger is a nutrient- and water-hog and we try to remove as much as we can.” In turn, the park staff loves them “because we provide about 2,000 volunteer hours per year, most years,” he says. “That’s like one whole salary.”

Before we gather our gloves and clippers and head out on Halema‘uma‘u Trail—one of the oldest footpaths in the park—Kekoa Rosehill, a supervisory park ranger, performs a chant to encourage us and grant us knowledge. Paul points out that the morning’s work also provides “an introduction to the forest, so volunteers learn about the park and its history, too.”

Everyone gets right into it, particularly the folks who show up on a regular basis. “The camaraderie is great and the cause is good,” says regular Hawai‘i visitor Mike Malone, who started volunteering with his wife, Patti, about six months ago. “Paul and Jane are the encyclopedia of the park. Education is a big part of it. And you get to experience parts of the park that you wouldn’t see otherwise.”

The hours pass quickly as we cut our way far off the trail. With the ginger out of the way, there’s very little left underneath except for a few ferns. I find it satisfying to make space for the other plants to grow, almost like I’m giving the forest a haircut.

![Paradise Restored: A Sustainable Trip to Hawai'i](//images.ctfassets.net/8x7sonz8wgp8/6nTgP28BrGBSfSYgxpDS3j/fece25f00ddcf53e8d0c41a2188536fd/F24_CAA_FEA-Hawaii_Stewardship_At_The_Summit-Guides_HNM_Photography.jpg)

## *E ho‘omalu i nā holoholona* is a plea to protect the animals.
This trip wasn’t all hard work. I was excited for a relaxing day, capped off with a moonlight swim at the Mauna Kea Resort with the manta rays that congregate just off the shore. The swim is curated by Manta Ray Advocates, a group that educates tourists about these gentle giants and that champions their protection while promoting safe and sustainable tourism practices.

We wade into the ocean and strap on our fins just a few metres in. Lights attached to our small surfboard illuminate the plankton in the water, attracting the mantas which gracefully swoop round and round, their mouths wide and mere inches from my face mask. The experience is beyond thrilling. We ooh and ahh into our snorkels at first, but then we’re silent, completely in awe of these beautiful creatures.

![Paradise Restored: A Sustainable Trip to Hawai'i](//images.ctfassets.net/8x7sonz8wgp8/Xbr5nIwIMpq8jffdHJJSj/d2e5cd5c8d56d521b3b003fde32d9bb0/F24_CAA_FEA-Hawaii_Reef_Manta_Ray_Kawika_Singson_Island_of_Hawaii_Visitors_Bureau_.jpg)

## *He ‘ohana k‘kou* means “we are all family.”
Exploring a place’s history is not only enriching, but also a way to show respect. Choosing activities that support Indigenous culture help preserve Hawai‘i’s history and legacy, and fund efforts to sustain the community.

Hulihe‘e Palace in Kailua-Kona was the vacation home of Hawai‘i’s former royal family—the governing monarchy in place before the islands became a U.S. territory and then a state. Originally built out of lava rock in 1838, the palace sits on the same site as the home of Kamehameha the Great, the first ruler of the Kingdom of Hawai‘i. The palace was restored by the non-profit Daughters of Hawai‘i, founded in 1903 by influential local women to uphold Hawaiian culture and language.

The museum’s six large rooms are filled with treasures, including ornate koa wood furniture and fancy Victorian trinkets. I linger after the tour to examine the portraits and photographs of the royals that line the walls, feeling more like a visitor in someone’s home than a tourist. When you take the time to learn the story of a place, the rewards are sweet.

## *Maka‘ala* refers to the practice of remaining alert.
Healani’s words are etched on my mind. “Anyone can *do* things when they come here,” she says, “but I think you also have to *be*—be present, be instilled in the culture. We call it *maka‘ala*. It means to be alert in the things you’re not familiar with. Honour the things you see here and leave Hawai‘i the way you see it, so that when you return, it will be the same.”

A CAA Travel Consultant can help you plan a sustainable vacation. Visit [caasco.com/travel](https://www.caasco.com/travel) to learn more.

![Paradise Restored: A Sustainable Trip to Hawai'i](//downloads.ctfassets.net/8x7sonz8wgp8/5elpLu34x3GD5Yy5Pu1PaD/8238e77503997c6b3b2d779cf7485a65/F24_CAA_FEA-Hawaii_Hulihee_Palace_Exterior_Tor_Johnson_Hawaii_Tourism_Authority_.jpg)

### Think Outside the Guidebook
Anyone is welcome to volunteer with the Mālama Hawai‘i program. Here are some of the ways visitors can help:
  - Collect debris from the beaches, parks and trails.
  - Plant seedlings to aid in reforestation.
  - Restore shorelines with native plants.
  - Support age-old methods of sustainable farming.
  - Patrol turtle nesting grounds.

Visit [gohawaii.com/malama](https://www.gohawaii.com/malama) for more details.

Paradise Restored: A Sustainable Trip to Hawai'i

Balance beach time with voluntourism to experience—and help protect—the true nature of Hawai‘i.

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A seasonal switch checklist, winter tire myth-busting, how to build a backyard rink, and how CAA prepares for freezing temperatures.

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Peek behind the curtain to see how this beloved Disney musical comes to life at The Princess of Wales Theatre.

Backstage Pass: Behind the Scenes at The Lion King

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Venture on a bike path that helps protect the Great Lakes region.


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