From the merely annoying to the budget-busters, here's what to watch out for in travel, banking, credit cards, real estate, investments and more.
19. Junk closing costs
Real Estate
19. Junk closing costs
What it is A mystery closing cost like a "processing fee," "document preparation fee," "administrative fee," "messenger fee" or "document review fee"

What's so bad The fees sound legit (a document is being prepared, after all), but many are simply padding the lender's bottom line, says Jack Guttentag, a mortgage expert who runs mtgprofessor.com. With so many fee names, you can't always tell what's what.

Ouch! Although lenders must give you a "good-faith estimate" of loan costs within three days of receiving your application, they don't have to stick to it. Junk fees can total a few hundred to several thousand dollars.

What you can do Ask a pro to review your good-faith estimate. For $45, the National Mortgage Complaint Center (866-714-6466 ) will look it over and alert you to excessive or bogus fees. Some lenders, such as Amerisave and E-Loan, quote one figure that includes all fees and points, allowing you to shop according to the bottom line.

Air travel

Air travel

Air travel

Air travel

Air travel

Car rental

Car rental

Hotels

Phones

Shopping

Closing costs

Title insurance

Mortgage

ATMs

Checking

Deposit

Credit cards

Credit cards

Mutual funds

Annuities

Brokerage

529s
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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.