Is it worth booking an award flight as soon as it becomes available? You might get the cheapest redemption or a hard-to-find first class seat on a popular flight, but your reservation will be about a year out. A lot can change in that time. Knowing how much you’ll have to pay to change or cancel that flight can determine if it’s worth taking the chance.

When the average consumer is shopping around for a credit card, their biggest consideration may be how much it will cost them. What’s the APR? Should I choose a no annual fee card? What are the other fees?

As an avid collector of miles and points, it won’t take long before you notice something: frequent program devaluations. Changes to award rates happen occasionally in some programs and all too often in others. You’ve got to be aware of what’s going on in the loyalty travel market so you can best utilize the miles and points you’ve earned.