Bin stores, aka discount, surplus or salvage outlets - go by many names, but collectively serve an oversupplied retail market these days. Such stores specialize in selling returns and other troubled goods, offering a shortcut to lower prices. Also today, home insurance is a broken market in coastal areas, but one coastal state is adapting so well, premiums have decreased.\xa0\n\nBin Store Savings: Segment 1\n\nAsk Clark: Segment 2\n\nNew Coastal Building Standards: Segment 3\n\nAsk Clark: Segment 4\n\n\nMentioned on the show:\n\nWhat\u2019s a bin store, and why should you check one out?\n\n\nShould I Tip on a Cruise?\xa0\n\nBooking a Cruise? Here Are 5 Ways To Do It for Less\n\nClark does not purchase extended warranties!\n\nRetailers Offer Me Warranties on Everything I Buy Now. Are Any of Them Worth It?\n\nThe Coastal State Where Home Insurance Is Relatively Affordable - WSJ\n\nSome houses are being built to stand up to hurricanes and sharply cut emissions, too\n\nNYTimes.com: A Climate Change Success Story? Look at Hoboken.\n\nHome Insurers To Be Scrutinized In Climate-Risk Study\n\nThe Best Places To Sell Your Cell Phone\n\n\nClark.com resources\n\nEpisode transcripts\n\nCommunity.Clark.com\n\nClark.com daily money newsletter\n\n\nConsumer Action Center Free Helpline: 636-492-5275\n\n\nLearn more about your ad choices: megaphone.fm/adchoices\nLearn more about your ad choices. Visit megaphone.fm/adchoices