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MoneySmart

Tip of the Day:

Empty egg cartons make a great substitute for buying bubble wrap when shipping gifts at Christmas. Storing them throughout the year is easy, too, since they stack nicely.

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On the Blog:

Most stores offer full refunds if you buy something with an old expiration date. Do you check expiration dates? Share your opinions at buffalonews.com/moneysmart.

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Inside:

Open enrollment season for health insurance can be a time to assess your expenses. Page D7.

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