Friday, September 5, 2008, 1:57AM ET - U.S. Markets open in 7 hours and 33 minutes.
If you want to take a trip these days, you hardly need more than your computer and a credit card to make your arrangements. Travel Web sites such as Orbitz, Travelocity and CheapTickets.com give consumers the power and flexibility to create and purchase their own trips, snagging deals and discounts along the way.
So does it ever pay off to hire a travel agent anymore? "There are lots of occasions when it's smart to use a travel agent," says Nancy Dunnan, editor of TravelSmartNewsletter.com. In many circumstances, hiring a travel agent can save you both time and money -- not to mention hassle.
She adds that travel agents in business today must be capable, talented enough to compete with online business. "Since the arrival of so much available on the Internet, the travel agents who remain are for the most part really top notch. Those who were marginal or not so swift dropped by the wayside with the rise of research and booking on the Internet," Dunnan said.
When choosing a travel agent, Dunnan recommends finding one who belongs to the American Society of Travel Agents. For more information visit the group's Web site at www.astanet.com.
See today's average rates across the country.
| Loan Type | Today | Last Week |
|---|---|---|
| 30 Year Fixed | 6.14% | 6.26% |
| 15 Year Fixed | 5.67% | 5.77% |
| 1 Year ARM | 6.02% | 5.92% |
| 30 Year Fixed Jumbo | 7.26% | 7.36% |
| 5/1 ARM | 5.81% | 5.91% |
| 3/1 ARM | 5.72% | 5.70% |
| Loan Type | Today | Last Week |
|---|---|---|
| $30K Home Equity Loan | 7.59% | 7.63% |
| $50K Home Equity Loan | 7.19% | 7.25% |
| $75K Home Equity Loan | 7.20% | 7.26% |
| $30K HELOC | 5.15% | 5.17% |
| $50K HELOC | 4.77% | 4.80% |
| $75K HELOC | 4.77% | 4.81% |
| Loan Type | Today | Last Week |
|---|---|---|
| 36 Month New Car Loan | 6.72% | 6.72% |
| 48 Month New Car Loan | 6.51% | 6.50% |
| 60 Month New Car Loan | 6.52% | 6.51% |
| 72 Month New Car Loan | 6.44% | 6.44% |
| 36 Month Used Car Loan | 7.08% | 7.08% |
| 48 Month Used Car Loan | 6.81% | 6.80% |
| Card Type | Today | Last Week |
|---|---|---|
| Balance Transfer | 10.31% | 10.03% |
| Low Interest | 11.01% | 10.97% |
| For Bad Credit | 13.02% | 13.12% |
| Cash Back | 11.47% | 11.46% |
| Business | 11.10% | 10.91% |
| Airline | 12.75% | 12.69% |