Today’s top story: 5 great hotels to book for New Year’s with points and miles. Also in the news: Why you shouldn’t open your Roth IRA at a bank, one credit score factor to check twice during the holidays, and how much you should contribute to your FSA.

5 Great Hotels to Book for New Year’s With Points and Miles
Ring in the new year for less.

Why You Shouldn’t Open Your Roth IRA at a Bank
A broker gives you more options.

One Credit Score Factor to Check Twice During the Holidays
Your credit utilization ratio matters.

How Much Should You Contribute to Your FSA?
Covering your out-of-pocket costs.