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Clark Howard's Show Notes
Clark Howard's Advice

• Websites/phone numbers mentioned:
  NFCC.org - Get free or low-cost counseling to tackle your debt Today's show featured "Best Of Clark" repeats from recent shows... (Read more)
• Housing market may not be as dire as you think
  In the latest session of Clarkonomics, Clark discussed how the housing market may not always be as bad as it seems. Much of the country is in a difficult situation, but it's not a dire one. The states that are in absolutely dire shape (because their ... (Read more)
• Small monetary incentives help employees lose weight
  About a year ago, Clark talked about Scott's Miracle-Gro firing employees who smoked. Employers have a direct interest in your health. Statistics tell us that smokers have higher absentee rates and medical bills than non-smokers. Clark recalls when h... (Read more)
• Verizon announces products to compete with the iPhone
  The iPhone has been a huge hit for Apple. It's also left a lot of people disgruntled because of Apple's exclusive deal with AT&T. Users of the iPhone are handcuffed to a 2-year contract with the phone carrier. Apple released the iTouch to quell some ... (Read more)
• Bank overdraft fees plaguing young adults
  Sometimes it seems like young people have a huge bull's-eye on their backs for the banks. Those between the ages of 18 and 24 are being killed with bank overdraft fees. The latest stats say they're paying more than $1 billion in overdraft fees every ... (Read more)
• Websites/phone numbers mentioned:
  SCORE - Counselors to America's small businesses CARFAX - Get a vehicle history report before buying a used car BankRate.com - Assess the general health of a bank RipoffReport.com - File and document complaints about companies or individuals Today'... (Read more)
• Telecommuting makes employees happier and more productive
  If you own a business or manage a company, do you allow your employees the freedom to make you money or do you put them in a straitjacket? One of the biggest straitjackets is working from the office. The Wall Street Journal revealed the results of a ... (Read more)
• Beware of online loan sharks
  Sometimes people call in to the show and complain about having credit cards with interest rates of 28 or 30 percent. But that pales in comparison to something Clark recently heard about. The Kansas City Star reports that some online lenders make loan... (Read more)
• Military personnel protected from payday lenders
  There is an unpatriotic segment of the population that has been thriving by ripping off members of our military with usurious loans. Clark thinks it's disgusting that the soldiers who lay their lives on the line for our freedom are being taken advant... (Read more)
• NetBank collapse jars consumers
  The recent collapse of online bank NetBank has left a lot of people jittery. After all, it is the biggest bank failure since the early '90s. While the cost to taxpayers is unclear, the FDIC should cover everything. Many people wonder exactly what hap... (Read more)
• Websites/phone numbers mentioned:
  ThePudding.com - Get free long distance online SpiralFrog.com - Get free music online Sling Box - Watch your TV virtually anywhere in the world Today's show featured "Best Of Clark" repeats from recent shows... (Read more)
• Clark's 8-year-old daughter applies for an AmEx card
  Clark's daughter Stephanie was 3 years old when she first received a pre-approved offer for a Visa credit card -- what she then called a "Wisa" card. Stephanie loved the fake plastic card that came with the offer and often tried to scan it using her ... (Read more)
• Playing parking lot politics at the office
  Clark believes that parking politics at the office build a wall between management and employees. CareerJournal.com recently ran an article that dissected the hierarchies used to determine who gets what reserved space. Companies that give preferred p... (Read more)
• ThePudding, SpiralFrog offer free long distance and music
  Clark has 2 free deals to share that each comes with its own catch. The Internet has been through so much in its brief history. In the "dot.bomb era," as Clark calls it, practically anything you wanted could be found for free online. Back in the mid-... (Read more)
• Sling Box converts your computer into your home TV
  There's a new product that could impact the way you watch TV. While TiVo allowed people to decide when they would watch TV, Sling Box allows you to change where you watch it. This should really appeal to travelers. Here's how it works: Say there's a ... (Read more)
• Websites/phone numbers mentioned:
  IRS.gov -- Download Form 9465 and file for a repayment plan Today's show featured "Best Of Clark" repeats from recent shows... (Read more)
• 'Tis the season for...the Clark Smart Gift Card?
  This Christmas season will be another banner year for gift cards. If you're a longtime listener, you know that Clark doesn't like gift cards -- unless you get more value than you pay for or you get extra free services when you buy one. The main reaso... (Read more)
• Netherlands improves healthcare by privatizing it
  Clark recently read a story in The Wall Street Journal -- a paper he loves so much that his executive producer Christa calls it his "girlfriend" -- that reinforced a longstanding belief he's had about healthcare. About 2 years ago, the Netherlands pr... (Read more)
• Exploring the 3-star nutrition labeling program
  Restaurants often put healthy selections on the menu and then report that no one orders them. People claim they want healthy food, but what they say and what they order are 2 different things. Think about the frozen yogurt craze. People took what sho... (Read more)
• Women must have credit in their own names
  There are changes coming to the way credit scores are calculated that could affect millions of women. For many years, people have been allowed to share their credit cards with authorized users. Husbands historically have done this for their spouses. ... (Read more)
• Websites/phone numbers mentioned:
  Kelley Blue Book - Research cars before you buy Edmunds.com - Get more advice when you're ready to buy a car AnnualCreditReport.com - Request your free annual credit report Today's show featured "Best Of Clark" repeats from recent shows... (Read more)
• Know what to do before you buy a car
  Over the past 5 or 6 years, there's just been one deal after another when it comes to buying an automobile. It goes back to the months after 9/11 when GM tried to jumpstart sales with offers of 0% financing for 5 years. Other automakers quickly follo... (Read more)