Four airport survival tips for traveling in August, like don’t show up super early for your flight

Globe Personal Finance Journalist Erica Alini writing this newsletter while Rob is on vacation.

How was Pearson airport? I hear this question often since my family and I recently traveled through the now infamous Toronto airport. We came back with no horror stories to share, which I think was largely due to luck and the fact that we hadn’t traveled with one of the major national carriers.

That said, if you’re traveling via Pearson or another transportation hub plagued by delays in the coming weeks, here are four tips based on my personal experience and reporting on the issue:

Don’t bother showing up very early for your flight. With all the staff shortages, no one will check you in earlier than the usual two hours (for domestic flights) or three hours (for international flights) before departure. Arriving, say, four hours early probably means you’ll end up being seated without even an assigned check-in counter to line up.

That said, arriving 15-20 minutes before check-in starts can mean the difference between a quick check-in and a long, slow queue in front of you.

Stick to hand luggage if you can. I had no intention of spending my vacation waiting for our luggage to arrive, so I packed the bare minimum for a week in three carry-ons. It lowered my stress level and cut our time at the airport significantly.

If minimalist packing isn’t an option, be sure to pack your carry-on with everything you’d need to go a day or two without your checked baggage. Starting your vacation having to buy underwear and pajamas is no fun.

Get trip cancellation and interruption insurance. Sometimes your bags take so long to catch up with you that you’ll end up having to buy clothes no matter what. In this scenario, it’s fine when your insurance kicks in with a few hundred dollars.

An allowance to replace essential items is a handy feature of many trip cancellation and interruption policies. This type of insurance – often sold separately from that which covers medical emergencies – will also reimburse you for all or part of the cost of hotel nights, pre-booked excursions and activities that you may miss because your flights have expired. been canceled or delayed. These days, it’s a must.

Document everything. No insurance will cover the actual cost of a canceled flight. For this, you will have to submit your request for reimbursement and compensation, if applicable, to the airline. That’s why Gabor Lukacs, air passenger rights advocate, recommends keeping detailed logs and receipts of your trip at the airport.

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Erica’s personal finance reading list

What does it take to get the maximum RPC?

Enoch Omololu of the Savvy New Canadians blog has an eminently accessible guide to what it takes – in terms of years of contributions and earnings – to get the most out of the Canada Pension Plan.

How to know what is a good raise right now

With inflation at its highest level in four decades, it’s getting harder and harder to say what constitutes “a decent pay rise,” says Julia Carpenter of the Wall Street Journal. Many practical suggestions for evaluating the amount of your salary increase or bonus.

Investing in a bear market

A list of proven investment principles from the Ontario Securities Commission Be smarter with money website. It is also worth clicking on the article on how to design an investment plan.

A 90 million dollar yacht, anyone?

That sum will net you a 600-meter superyacht – but only a pre-owned one, according to The New Yorker. As Canada prepares to introduce a new luxury tax, an entertaining read on the ever-larger pleasure boats of the ultra-rich.

(Second) video of the week

Ottawa-based investment analyst Richard Coffin is a crypto skeptic who knows how not to be obnoxious about it. Here is his friendly take on the “buy the dip” arguments around digital currencies.

Tweet the spirit of the times

John Pasalis of Realosophy Realty, Toronto-based real estate broker share this advice for home buyers and sellers in today’s market (worth reading the whole thread).

Listen to this

NPR’s science team explains what extreme weather conditions mean for your wallet. Well worth the nine minutes of listening.

In case you missed these Globe and Mail articles on personal finance

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