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Good if you want money-saving tips for travel, cable, banking, etc. Some of it was new to me, and some didnt apply. Some kindle excerpts: www.kayak.com, www.hotwire.com, and www.sidestep.com, along with travel sites like Expedía (www.expedia.com), Orbitz (www.orbitz.com), and Travelocity (www.travelocity.com), can get you competing rates for any model car, on any date, at any location. Once youve got these in hand, you can contact the rental companies themselves, either through their web sites or by phone, and see if they can do better. Often, they can—and will.Read more at location 1038Add a noteYou can give up to $1 million to anyone you want over the course of your lifetime without having to pay any gift tax—and if you give away less than $12,000 in any one year, it doesnt count toward the $1 million total. (Recipients of a gift dont have to pay taxes on it.)Read more at location 2983Add a noteCollege Boards Financial Aid EasyPlanner (http://apps.collegeboard.com/fincalc/...). It can help you work through every phase of college financial planning—from calculating the likely total cost of Juniors four years at Harvard to comparing financial-aid packages to figuring your estimated family contribution (the amount, based on your income and assets, that a college will expect you to pay out of your own pocket each year).Read more at location 3070Add a note(www.savingforcollege.com/college-savi...). JustRead more at location 3075Add a noteThe biggest drawback of 529 savings plans is that if the funds are used for some purpose other than qualified education expenses—say, because you saved too much or because your kid decided not to go to college—they will be subject to ordinary income tax and a 10% penalty. Then again, its easy to move 529 plans from one beneficiary to another.Read more at location 3110Add a noteonly about 10% of the people eligible to contribute to individual retirement accounts actually do so.Read more at location 4865Add a noteIf youve gotten a gift card from a store you dont like, theres a better alternative to throwing it away. You can swap it online for a gift card from a store you do like. Sites such as Swapagift.com, CertificateSwap.com, and CardAvenue.com provide a marketplace where you can trade cards with other dissatisfied recipients, put your card up for sale, or purchase one at a discount.Read more at location 5718Add a noteAccording to the Federal Trade Commission, “By law, companies are required to send rebates within the time frame promised, or if no time is specified, within a ‘reasonable’ time,” which the FTC defines as 30 days.Read more at location 5799Add a noteThe IRS suggests using thrift-store or consignment-store prices as a gauge of what your donated item is really worth. eBay is another acceptable source of prices for used goods. You can also find a valuation guide for clothing and many household items on the Salvation Armys web site (www.salvationarmyusa.org).Read more at location 6114Add a noteAir travel may no longer seem like a bargain, but there are bargains to be had if you shop around. Online travel sites like Expedía (www.expedia.com), Hotwire.com (www.hotwire.com), Kayak (www.kayak.com), Orbitz (www.orbitz.com), Priceline (www.priceline.com), SideStep (www.sidestep. com), and Travelocity (www.travelocity.com) can find you airfares for a fraction of the airlines’ own published tariffs. But not all the best bargain-priced carriers, like Southwest and JetBlue, show up on the independent sites, so dont neglect the airlines’ own sites. And comparison sites like Farecast (www.farecast.com) and FareCompare (www.farecompare.com) can offer solid advice not only on where to get the best deals but also on whether prices for your particular destination are trending up or down, so you can figure out whether its worth your while to book now or wait awhile.Read more at location 6842Add a noteDont Buy Tickets in Bunches—Buying One at a Time Can Be Cheaper One of the most maddening things about air travel is that similar seats on the same flights are often sold for wildly different prices. Thats because airlines use complicated pricing formulas that calculate the most efficient way to ensure that every seat gets sold. Usually, only a handful of seats are available at the lowest fare. This can be particularly frustrating if youre shopping for several seats all at once—say, because youre traveling with your family. Most likely, there wont be enough cheap seats available to fill your whole order. But instead of selling you as many cheap seats as they have and then charging you more for the rest, most airline reservation systems will simply kick your booking up to the next price level and charge you a higher fare for all your tickets. The way to beat this system is simple: Shop for your tickets one at a time. For example, when I searched for four tickets for a July 2008 trip from Los Angeles to New York, the American Airlines web site quoted me a fare of $619; when I searched for just one, the price for the same flight came up at only $344.Read more at location 6868Add a noteIf you pay for your ticket with cash or a check, youre out of luck in the event something goes wrong with your flight—like, say, the airline goes bankrupt and ceases operations. Buying your ticket with a credit card, on the other hand, protects you, since credit card companies will not force you to pay for a service you did not receive. If something goes wrong with your flight, buying your ticket with a credit card protects you. There is one catch with this. Most credit card companies will cancel a disputed charge only if you file a complaint within 60 days of when it first appeared on your bill. What this means is that if you buy an airline ticket six months in advance and then the carrier goes out of business the day before youre scheduled to take off, youre out of luck. So dont buy airline tickets too far in advance. Reserve them if you have to—but try to avoid paying for them until you reach the 60-day window. If youre concerned about locking in a low fare, check with a web site like Farecast or FareCompare to get an indication of whether fares on the route youre traveling are likely to rise or fall in the near future.Read more at location 6922Add a noteBook Early—and Then Book Again at the Last Minute Since many hotels offer discounted rates for advance bookings, its generally a good idea to make your reservation as early as you can. But hotels also sometimes drop their prices at the last minute in an effort to fill vacancies. So you should call again a day or two before your trip to see if you can get an even better rate. In most cases, youll be able to cancel your original reservation and get yourself a new one at the lower rate without having to pay any kind of penalty.Read more at location 6996Add a noteWhenever youre planning to stay at a hotel youve never been to before, go online to a traveler-based review site like Boo.com, Gusto.com, lgoUgo.com, or TripAdvisor.com, to see what real travelers whove been there have to say about the place.Read more at location 7014Add a noteRESORT FEES. Many hotels charge “resort fees” of $15 to $25 a day for facilities such as gyms and tennis courts that you may never use. Theres generally no way to avoid them, except to ask, when you make your reservation, whether the daily rate covers everything. Mandatory tipping may also be another “resort fee” that you are unaware of, so ask before you leave tips (otherwise you are double tipping).Read more at location 7045Add a noteINTERNET CONNECTIONS. Virtually every decent hotel makes a big deal of advertising the availability of broadband Internet connections. But most of them charge you through the nose for it—often as much as $14.95 a day. (You can avoid this charge by using a nearby wireless hotspot. There are a number of online directories—such as www.jiwire.com, www.wififreespot.com, and www.wi-fihotspotlist.com—that can point you to the nearest one.)Read more at location 7059Add a noteIf youre looking for a vacation deal, I recommend doing some comparison searches on the major travel sites, like www.expedia.com, www.Travelocity.com, www.orbitz.com, www.priceline.com, www.sidestep.com, www.Travelocity.com, www.orbitz.com, www.priceline.com, www.sidestep.com, and www.kayak.com. Click on “Vacation Packages” to see what specials are being offered. For last-minute getaways, visit www.lastminute.com.Read more at location 7161Add a note

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