Earphone use can make wax build up

Q Does a person produce more ear wax if he listens with earphones a lot?

A No, but the practice can cause wax to build up, said Dr. Robert Maisel, chief of otolaryngology at Hennepin County Medical Center in Minneapolis.

Ear canals are self-cleaning by migration of the canal skin, but wearing earphones can keep this from happening.

Inherited coins Q My sister and I inherited a small coin collection from our aunt. How can we get an accurate assessment of the value?

A Research them yourself, suggests Breck Fleeson of Park Coin in St. Louis Park, with these companion reference books: "Handbook of United States Coins" and "Guide Book of United States' Coins." Eventually, however, you'll want to contact a coin dealer, especially if you're interested in selling. As you research values, remember that those who write the books aren't writing checks. Don't be surprised if the dealer offers less than the quote in the book. Generally, however, a dealer's buy and sell prices should be in line with basic coin reference books.

To sell, take your coins to three coin dealers and ask for their "buy" price. Typically, that will get you an average price. Remember, a coin's condition and rarity are what make the difference when it comes to value.

Dealers are listed in yellow-page directories, but that is no assurance of quality. The best way to find a dealer is to get a personal recommendation from a friend or relative. Otherwise:

• Talk with dealers and ask how long they've been in business. (Length of service alone, however, doesn't tell everything.)

• Check with your local police department or try contacting your bank for suggestions or references. They don't endorse businesses, but can tell you if people have complained about the company in question.

Remember, do not clean or polish the coins in any way, Fleeson said. It greatly diminishes their value.