You probably don’t add up your assets very often, but if you did, you would fill lots of lines on a page. These logically include real estate, investments and cash.

You might forget about the large amount of hotel points and frequent flier miles you have accumulated. Your airline treats them as a liability on their balance sheets.

Your points have considerable value. Are you using them to your best advantage? (I’ll be using Marriott as my example since I’m familiar with their programs.)

Marriott and Starwood merge

Marriott and Starwood are merging, bringing their two large points programs together. What will happen? Should you spend your points now?

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