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| Happy Friday, Money mavens. It's David, easing you into the weekend with our top financial stories and savings tips for the holidays. |
| With the Fed signaling it won't hike interest rates next year, it's a good time to reconsider refinancing your mortgage. Those fears of a U.S. recession in 2020? The odds of it happening are lower now. Finally, Free Shipping Day, which started in 2008, isn't returning this year, but you can still get complimentary deliveries during the holidays. |
| Today's gift-giving tip: Don't give cash. That, and even gift cards, could be taxed as income, says Philippe Weiss, president of the workplace legal compliance consultancy Seyfarth at Work. |
| David Brinkerhoff, Deputy Money Editor |
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