<p>“My S is getting a HP laptop. We are wondering if we should buy insurance to cover loss/being stolen. He said the cost would be about $200 for 3-4 years coverage for a laptop over $1000. Any thought?”</p>
<p>Take a look at insurance that covers loss, damage, and repairs. We managed to get four years out of an Apple with several major replacements of hard drives, etc. It is more likely that your son will put his laptop in a bag with overripe peaches (this is a true story) and destroy the keyboard with peach juice than that he will lose it or it will be stolen. There also may be insurance policies that will let him have a loaner while his is being repaired - our first high school had that. I would see if S’s college might have some contract under which students can buy good insurance at a reduced cost.</p>
<p>On airline credit cards - With Delta, at least, the number of miles required for US travel are pretty high, based on the cost of the tickets, when compared to the miles versus cost for international travel. We have been going to Europe for years with free airline travel off of our American Express, and summer before last, when DD said she’d rather not go, we had enough for business class to Paris for the two of us (you would not believe the business class lounge for Air France at Charles de Gaulle Airport!). I get on the phone with Delta at 12:01 AM the 331st day before the first date of travel (the earliest you can book) with a list of countries we’d like to go to, and see what I can find. We always rent a house or apartment - you can get much better accomodations for much less money than a hotel, and I love to cook in other countries. We haven’t gone for a couple of summers, but now that we don’t have to travel in the summer, I have my eye on New Zealand when finances permit (I so need to gallop a horse through the countryside where they filmed the Rohan sequences in Lord of the Rings).</p>
<p>On dorm shopping - BBB is great, but also take a look at Linen Source, especially their sale stuff. Be sure to check the cleaning instructions on bedspreads - my D’s prospective roommate had some things listed as thoughts for coordinating colors that are dry clean only, which would not happen. </p>
<p>Thanks to everyone for all their suggestions and thoughts on the money issues. I think there is a way to disable a user’s ability to go over the balance with a debit card, but we have an overdraft line on our checking account, and I would never have an account without one.</p>
<p>Finally - KinderNY, I hated your school before, but after today’s posts, I really, really hate it!!!</p>