Thursday’s need-to-know money news

471x286xdebt-collector.jpg.pagespeed.ic.N0bBKkAfMqToday’s top story: How to handle frustration with your financial advisor. Also in the news: Making your frequent flier miles work harder, easing your anxieties over savings, and what to do with the 401(k) from your last job.

What to Do When You’re Fed Up With Your Financial Advisor
It’s time for a sit-down.

Make Frequent Flier Miles Work Better for You, in Just 2 Steps
Getting the most you can from the airlines.

Is Outliving Your Savings a Fate Worse Than Death?
How to ease your anxieties.

This Cartoon Shows You What to Do With the 401(k) From Your Last Job
Making the process easier to understand.

Is Your Life Insurance Worthless?
Don’t put your policy at risk.

Thursday’s need-to-know money news

Today’s top story: Re-Evaluating your airline miles credit cards. Also in the news: Saving money on school expenses, avoiding awkward money conversations at the holiday dinner table, and finding the best life insurance plan to fit your needs.

Do You Need to Re-Evaluate Your Airline Miles Credit Cards?
Changes to several programs has made some frequent travelers unhappy.

How to Save More Money on School Expenses
Don’t let school supplies drain your wallet.

How to Navigate Awkward Money Conversations at Your Family’s Holiday Dinner
AKA “How to avoid a food fight.”

Tips for Picking the Right Life Insurance Plan
Making sure your plan best suits your needs.

Will FlexScore Replace Credit Scores?
A new way of determining credit worthiness is on the horizon.

Monday’s need-to-know money news

Flying Piggy BankHow to get the most out of your summer vacation, protecting yourself from medical identity theft, correcting financial myths and how to start saving for retirement.

3 Ways to Maximize Your Frequent Flier Miles This Summer

While holiday blackouts can make redeeming frequent flier miles difficult during the summer, there are still good deals to be had if you know where to look.

How to Protect Yourself from Fraud at the Hospital

Identity thieves are targeting victims at their most vulnerable. Find out what you can do to protect yourself.

Want More Time Off? Some Employers Let You Buy It

A novel approach to managing vacation time could allow you to purchase a day off or sell time you’re not going to use.

Financial Advisers Correct Common Personal Finance Myths

Meet the five common personal finance myths and how to avoid them.

How To Start Saving For Retirement

The good news is that it’s not too late. The bad news is that it will be if you wait any longer.

What I learned from our “almost free” vacation

Back in June I wrote a post about “How to get free summer travel.” I’d arranged a 5-day trip with my daughter to the Pacific Northwest using a variety of rewards programs. The trip, which we took over Labor Day weekend, was a heck of a lot of fun. Like most vacations, it wound up costing a bit more than planned but I also learned a few things.

Including:

Re-price your reservations before you go. I checked both hotel and car reservations a few days beforehand to see if prices had dropped. They hadn’t at the Doubletree in Portland, which was in fact sold out. But the rates at Enterprise car rental fell like a rock. Plus, Enterprise emailed me a last-minute 10% off coupon for being part of its frequent traveler program. My cost for the two-day car rental went from over $100 to just $37. I love that.

Don’t try to make a same-day connection on Amtrak. We took the sleeper car up from Los Angeles, and the train fell waaaaay behind schedule–five hours, in fact. That was good news for us, since we got to see some gorgeous scenery around the California-Oregon border that would normally pass by in the dark. Passengers who were trying to make a connection to the Empire Builder, the train that goes from Portland to Chicago, weren’t so happy. They had to get off in Klamath Falls and ride several hours on a bus to meet the other train. If I were to book an Amtrak trip that involved a connection, I’d try to arrange it so that we had an overnight stay in between.

Portland’s public transportation is awesome. There was a light-rail MAX station right outside our hotel, and it took us everywhere we wanted to go while we were in town, including the Saturday Market and the zoo. A day pass for an adult was just $5. Parking at the zoo alone would have been $4, and a hassle, since there are limited spaces. When it was time to leave, I took the red line out to the airport to pick up our rental car–easy peasy.

Check out the artist/farmers markets. Speaking of the Saturday Market: I was blown away by many of the vendors there. This weekend market along the river features some really skilled craftsman offering handmade stuff at reasonable prices. I stocked up for Christmas.

Splurge a little. My daughter’s a huge fan of the Great Wolf Resort and its indoor water park south of Olympia. The rates in the summer can be steep, but my sister and I decided to split the cost of a Kid Cabin room with bunk beds. That way, we got to spend more time together, our kids had a ball and we were each out of pocket $160 rather than $320.

Peach fritter with cream cheese? Might want to skip that. My friend Michelle Rafter suggested we meet at VooDoo Donuts for a treat. Yes, the long wait was worth it, but no, I don’t think I’d order the peach fritter again–it was almost as big as my head. Next time it’ll be the maple bacon donut, for sure.