NEW YORK (Money) -- Question: Recently I've been reviewing a few financial newsletters that provide market advice. I don't trust most of them but have been intrigued by some. Would I just be wasting my money ($200 or $300 a piece) or could I actually see some better than average returns? How does the current downturn in the economy affect the advice offered by these newsletters?

Chances are good that you already are covered by your auto policy or through a credit card.

If you're renting a car over the holidays, chances are a clerk at the counter will try to sell you some pricey insurance options. Should you fork out the extra cash?

Probably not, experts say.

NEW YORK (MarketWatch) -- If you're planning on giving someone a gift card this Christmas, you're in good company. Gift cards are fast becoming one of America's favorite presents. U.S. consumers are expected to spend more than $26 billion on gift cards this holiday season, according to the National Retail Federation.