That's an auction at which the auctioneer starts with a fairly high price and works slowly downward until someone says, "Yes!" By waiting to respond, you're gambling that no one else will bid first. If you correctly read the other bidders and the sellers willingness to continue lowering ...
When you see the term SPF on a bottle of sunscreen, it's referring to the "sun protection factor." The number signals how long you can sit in the sun before your skin burns. An SPF rating of 15, for example, allows you to be exposed for approximately 150 minutes before burning. Expe...