Warm-weather travel season is almost here. One of the biggest headaches about flying is what to do with your bags. Check them (and often pay $50 per item for the privilege) or go for the overhead bins? And what if your checked luggage gets lost? The ever-resourceful Rick Kahler, founder of Kahler Financial Group, in Rapid City, S.D., has a flight plan for all of this:

Larry Light: What do you do with your own luggage when you fly?

Rick Kahler: Lost luggage, apparently, is like the weather: Everyone complains about it, but nobody does anything. Like many frequent travelers, I've learned never to check luggage unless it's completely unavoidable. There are two primary reasons for this.

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