Wednesday’s need-to-know money news

Today’s top story: The downsides of hotel free night certificates. Also in the news: travel prices that are coming back to earth, if your airline miles and hotel pointes are worth less now, and a hotel kitchen that may not save you money after all.

The Downsides of Hotel Free Night Certificates
Free night certificates can be a major pain to use. You’re often better off pursuing hotel loyalty program points.

Travel Prices Are Coming Back to Earth
Falling prices and a strong dollar mean U.S. travelers could finally see some relief in the coming months.

Are Your Airline Miles and Hotel Points Worth Less Now?
The value of your points and miles is up slightly, but it may not be enough to keep pace with inflation.

A Hotel Kitchen May Not Save You Money After All
Look for other ways to cut food costs on trips, like planning no-cook meals or prioritizing free hotel breakfast.

6 new rules for smarter European travel

Tourism rebounded this summer in Europe — and Europe wasn’t ready. Pandemic-related staff shortages led to massive lines and flight cancellations at many airports; meanwhile, prices for hotels and taxis soared.

Then there were the record-breaking temperatures that caused roads, airport runways and railroad tracks to buckle , leading to further disruptions.

Our family of three visited Europe this summer — our first trip there in three years — and had a great time despite the challenges. Still, climate change, growing crowds and lingering effects of the pandemic have altered the way we travel. In my latest for the Associated Press, learn tips to save money and have a better trip experience to Europe.

Monday’s need-to-know money news

Today’s top story: To prepare kids set to invest with custodial accounts. In other news: 8 Latino financial pros on building wealth and knowledge in 2022, Smart Money Podcast on fall money tasks, and saving enough to retire, and if a line of credit is right for your business recession plan.

Get Kids Set to Invest With Custodial Accounts
To prepare kids to take over their custodial accounts, they need financial education and solid money habits, which can be developed early on.

8 Latino Financial Pros on Building Wealth and Knowledge in 2022
Education about finances and talking honestly about money are key, Latino financial experts say.

Smart Money Podcast: Fall Money Tasks, and Saving Enough to Retire
This week’s episode starts with a reminder to check in on your finances as we enter into the last quarter of the year and some suggestions for some money tasks to complete.

Is a Line of Credit Right for Your Business Recession Plan?
How your business operates and whether you have fluctuating funding needs can help you decide when to apply for a business line of credit.

Thursday’s need-to-know money news

Today’s top story: How to find a happy balance among competing savings goals. Also in the news: Smart Money Podcast: live from Las Vegas, easy solutions to 3 common air travel nightmares, and how relaxed COVID guidelines will affect your next trips.

How to Find a Happy Balance Among Competing Savings Goals
Deciding how to prioritize different savings goals can be overwhelming, but financial experts recommend ordering them by urgency.

Smart Money Podcast: Live From Las Vegas!
This week’s episode is a special live episode that was recorded at a company gathering in Las Vegas over the summer.

Easy Solutions to 3 Common Air Travel Nightmares
Insuring your trip through a travel card or independent policy can come in handy if things don’t go as planned.

How Will Relaxed COVID Guidelines Affect Your Next Trip?
Reduced isolation periods and other changes to CDC recommendations make it less likely your trip will be disrupted.

Monday’s need-to-know money news

Today’s top story: Student debt cancellation news, and money 101. In other news: How public defender in Florida got her student loans forgiven, and how much fees do impact Airbnb prices.

Smart Money Podcast: Student Debt Cancellation News, and Money 101
Here’s what we know and what we still need answers to.

How I Got My Student Loans Forgiven: Public Defender in Florida
Beth Bourdon, an assistant public defender at the Orange County Public Defender’s Office in Orlando, Florida, was used to her student loans not qualifying for relief that other federal loans did.

Just How Much Do Fees Impact Airbnb Prices?
The base price on an Airbnb isn’t what you’ll end up paying, so always compare final prices when booking.

Friday’s need-to-know money news

Today’s top story: When and why you should open a CD. Also in the news: Increase credit limits now in case the economy worsens later, and if it is possible to live without credit cards, debit cards, and cash apps.

Ask a Nerd: When and Why Should I Open a CD?
Certificates of deposit are having a moment, but they’re best for specific savings goals.

Increase Credit Limits Now in Case the Economy Worsens Later
Consider increasing available credit on credit cards when your accounts and the economy are still in good standing.

Is It Possible to Live Without Credit Cards, Debit Cards, and Cash Apps?
Cash is the ultimate in anonymity—but it’s tough to live without a card or payment apps these days.

Thursday’s need-to-know money news

Today’s top story: 7 new details on how student loan cancellation will actually work. Also in the news: What student loan cancellation could mean for your budget, and how to turn your finished basement into a (legal) apartment for extra income.

7 New Details on How Student Loan Cancellation Will Actually Work
Here’s the latest about how student loan cancellation will actually work.

What Student Loan Cancellation Could Mean for Your Budget
Student loan cancellation could give you more breathing room in your budget, but it depends on how plans play out.

How to Turn Your Finished Basement Into a (Legal) Apartment for Extra Income
If you need some extra cash, your basement might be a potential income stream.

Wednesday’s need-to-know money news

Today’s top story: How the hotel worker shortage could affect your next stay. Also in the news: How to check in to a hotel without a credit card, competition and affordability both down for first-time home buyers, and 4 things you should know about working after you turn 65.

How the Hotel Worker Shortage Could Affect Your Next Stay
Expect some bumps, but keep an eye out for ways that new hotel tech could improve your stay.

How to Check In to a Hotel Without a Credit Card
There are a couple of ways to book without a credit card, but you will need a debit card or cash to check in.

Competition and Affordability Both Down for First-Time Home Buyers
Demand eases, but high prices and lagging incomes keep home affordability down for first-time buyers.

4 Things You Should Know About Working After You Turn 65
More Americans are working into their golden years. Here’s how Medicare, Social Security and taxes are in play.

Tuesday’s need-to-know money news

Today’s top story: Mortgage rates in September: A smooth ride, then turbulence. Also in the news: 3 tips for getting a business loan to deal with inflation, if car flipping is worth it, and event ticket sites that have the best deals.

Mortgage Rates in September: A Smooth Ride, Then Turbulence
Interest rates on fixed-rate mortgages are likely to remain fairly stable in the first three weeks of September, followed by volatility.

3 Tips for Getting a Business Loan to Deal With Inflation
If you’re considering a loan to combat rising costs, you’ll want to make sure it’s the right option to help your business.

Is Car Flipping Worth It?
There’s a new way to flip cars — order a vehicle from the factory to lock in the price and sell it at a profit after it arrives.

Which Event Ticket Sites Have the Best Deals?
Because Ticketmaster, StubHub, Vivid Seats, SeatGeek, and TickPick are not all created equal.