News / Business / Ellen Phillips

Q. I'm taking a cruise next month and want to buy travel insurance but am not really sure of the difference between the insurance and travel waivers. Can you help? — Barry Boat

Q. I've always heard it's best to charge store purchases with major credit cards instead of store cards. What's your advice? -- Sammy Shopper

  • June 16th, 2012  |
  • Comment  |

Continuing with last week's column about making appliances last longer than their average lifespans, we begin with washer and dryers.

Many of us overspend on insurance policies.

Q. I stay confused about my EOBs (Explanation of Benefits) from Medicare and the like. Can you tell me an easier way to decipher these forms? - Ned Needy

Q. My business banking account doesn't hold but a couple hundred dollars a month. I've been getting a senior no-service charge rate, but now the bank has announced a monthly $5 fee if I don't have a great deal more than that in my account. Do I have any recourse?

Q. We've finally decided to buy a home but need to know what to look for in a home inspector. We've heard horror stories from friends who've picked the wrong inspector, so what should we look out for?

Lots of readers have expressed interest in other columns about freebies or low-cost merchandise.

Last week’s column featured estate sales as a way to shore up some new savings, but the modern world’s used electronics can sometimes bring a goodly amount, too. (And, yes, you can donate last week’s treasures and this week’s items for a fair market price as deductions for the calendar year’s income tax.)

Q: Any hints on winterizing my home to save money? —Samuel Saver

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