Expect an increasing number of polar flights in the years ahead. Check for airport weather delays before you head out to catch a plane. The Federal Aviation Administration's Web site provides real-time updates on weather delays at more than three dozen U.S. airports. A refresher driving class can often get you a break on auto insurance. Premium discounts are mandatory in 35 states if you take a course for older drivers, such as AARP's 55 Alive Mature Driving Program.
Some insurers are financially weaker because of drop in junk-bond prices.
Consider donating old computers and cell phones instead of dumping them. When the software detects spam, it plucks the message and moves it to a special file that you can check occasionally. Find out about Web Bugs, which some companies use to gather data on user habits. Search under headings for products from televisions to home gyms. You can also dig out the best prices and promising places to buy.