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Have you ever looked around your hotel room and thought, ‘Wow, I could give myself a refund of sorts if I took home some of this stuff!’?

Of course, stuffing everything in your suitcase — robes, towels, bedsheets — is a major faux pas. But there are items that you’re allowed to take with you.

“It’s surprising how much you can take,” Anne Golden, a veteran hotelier, told Conde Nast Traveler. “Take your welcome amenities, your dry amenities; if it’s single-use, take it.”

She also mentioned that some guests go “scorched earth” and take “anything that isn’t wired down.”

Single-use items that are okay to take include some toiletries, boxed dental kits, shower caps, combs, sewing kits, mini soaps, tea, coffee, sugar sachets and welcome snacks.

Slippers “sit in a grayer area, but most hotels assume they’ll leave with the guest, especially in higher-end properties where laundering them wouldn’t make sense anyway.”

The most commonly stolen item in hotels worldwide: bathrobes. (Notice the use of the word “stolen.”) Other items on the no-no list include towels and hairdryers.

“A single robe can cost a hotel well over $100 to replace, or more if it’s bespoke or branded. Towels, pillows, and bed linen aren’t cheap either, particularly at luxury properties using high-spec cotton or custom embroidery.”

If hotels notice you took items meant to be used hundreds of times, they may gently ask whether you want to return them or pay for them. Others decide to eat the cost as a loss.

In the U.S. alone, guests steal about $100 million worth of goods from hotels each year, a figure that industry insiders call conservative. Some hotels are adding price tags on common items to signal that you need to pay if you want to keep something.

The best way to determine the proper line is to ask. The front desk agent probably has a good idea of what items you can and can’t take.

Apple device prices are soaring due to rising hardware costs, and their newest solution is to offer “forever leases” on iPhones, Macs, and iPads for a fixed monthly fee. While this subscription-style leasing model might make sense if you’re a tech enthusiast, it’s a dangerous financial trap for the average consumer. Before you fall for the low monthly sticker price—or get tied down by a carrier’s misleading "free phone" promotion—make sure you understand the long-term cost to your wallet. On the savings front, everyday savers have a prime opportunity right now to lock in high returns before interest rates drop. If you have cash you won't need for 1 to 5 years, Certificates of Deposit (CDs) are one of the safest ways to beat inflation. Clark walks us through how to easily purchase broker-placed CDs through top discount brokerages or reputable online banks, why you should strictly avoid giant mega-banks that offer virtually zero interest, and how to protect yourself from the predatory "auto-rollover" trap that slashes your rates the moment your term ends.

The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information.