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Find Reese's now at a store near you. I'm

1:04

so glad you've joined us here on the Clark

1:06

Howard show. You know, our mission is

1:09

to serve you with advice and

1:11

information that empowers you so you

1:13

can make better financial decisions in

1:15

your life. I'm going to start

1:17

today with a special, important warning

1:19

for you. If

1:21

a friend or relative is in a

1:24

nursing home, assisted living, in

1:26

the hospital, anything like

1:28

that, you need to know there's dirty

1:30

stuff going on. Is there

1:32

a friend or relative that you got to be

1:35

on your guard for? On a

1:37

much lighter note, self-checkout seemed

1:40

like a great idea for

1:42

the store, but not so great

1:44

for you and me. Now it's

1:46

turning out they're not such a great

1:48

idea for the store. So what's happening

1:50

that you need to know is

1:53

how the retail game is changing.

1:56

So this is an important

1:58

consumer warning. alert, you

2:01

take a friend or

2:03

relative to the hospital. They

2:06

put a lot of forms in front of you. Never

2:09

ever sign for

2:12

financial responsibility. The

2:14

hospital is trying to

2:16

trick the person, the

2:18

loved one or friend who takes

2:20

someone to the hospital to

2:23

sign financial responsibility forms

2:27

so that if the individual

2:29

receiving care can't pay

2:31

all the bills that they then

2:33

can come after you. Well now

2:36

the nursing home biz and

2:38

the assisted living businesses have

2:40

both figured out, hey this is cool.

2:43

We're going to go after family

2:46

members and friends and

2:48

you know how when you go to visit

2:50

somebody at a nursing home or assisted living

2:53

they're having you fill out

2:55

information about who you are

2:57

and how to reach

2:59

you. Okay you think oh

3:02

that's so nice. They want

3:04

to tell me if something happens with

3:06

fill in the blank whoever it is.

3:08

No they're using that

3:10

so a debt collector can

3:12

try to con you into

3:15

assuming financial responsibility for the

3:17

bills for that person who

3:19

you visited in assisted

3:22

living or nursing homes. This is becoming

3:24

so common that the feds have

3:26

put out a full alert to make

3:28

sure that you know you

3:31

are not to be ripped

3:33

off by a collector

3:35

for a nursing home or

3:37

assisted living and just as with

3:40

a hospital never never fill out financial

3:44

responsibility forms. Who's responsible for

3:47

the bill at

3:49

the nursing home assisted living

3:51

or hospital? The person who

3:53

is receiving care. Not you

3:56

as the friend who took them there.

3:58

Not you as the relative who took them. Come

4:00

there. Are goes to visit them.

4:02

their. Whatever. They are is.

4:05

This. Is Broughton. Dirty.

4:08

Pool. So be

4:10

really, really. On. Your guard.

4:13

With. What Your ass? Decide. Look.

4:16

At it. Because. You

4:18

could be tricked into signing

4:20

of financial responsibility form. Don't

4:23

Do it. In the case of

4:25

the nursing homes and sisters livings,

4:27

the Federal allegations is that they

4:29

are trying to intimidate. Or

4:32

coerce payments out of someone.

4:34

Who. Has no legal obligation to pay.

4:37

For. That person who is in a

4:39

nursing home. Better assisted living? Bad.

4:42

Stand. Up for yourself. Do.

4:45

Not allow somebody to teach you. Jonathan.

4:48

A Mississippi Road and saying what's

4:50

the best way to comparison shop

4:52

electric vehicles for a lease. There

4:54

are ways to find out Self

4:56

prices very easily, but not on

4:58

leases are not quick to assume

5:00

that the sell cars differences between

5:02

brands will correlate to a simple.

5:04

Formula. To determine the least cost.

5:07

Background: My wife and I are looking to

5:09

get an easy with never least before we

5:11

usually by outright. We. Know the pitfalls

5:13

and agree with the article here. And. They linked

5:15

to your article provides a combat leasing

5:18

cars. The difference here is the easy

5:20

technology. She's looking at a few cars like

5:22

the Tesla model. Why? In the Honda Prologue?

5:24

The Prologue is on the list. Due to

5:26

the fact that we've been driving haunt us

5:29

for years, the Prologue will be a brand

5:31

new model, perhaps with bugs like many. First

5:33

year cars. Even if not the Prologue

5:35

Easy. Technology seems rapidly changing and the

5:37

prices could continue to drop. We just

5:39

think you'd be worth the risk to

5:42

lease. But not to own?

5:44

Just yeah that's okay is great

5:46

questions. Tesla Model Why By at

5:48

don't we sit the recent terms

5:50

on it or not? good at

5:53

all. It's value is known in

5:55

the marketplace. and that when is

5:57

one that you'd have to have a very

5:59

unusual circumstance to make leasing a

6:01

better idea than buying. Pretty

6:03

much all other brands, because

6:06

they're very young and

6:09

designing and building and delivering

6:12

electric vehicles, they're

6:14

way behind Tesla in terms

6:16

of maturity of their electric

6:18

vehicles. It

6:21

is a really good thought

6:23

to look at leasing one, like

6:25

for example with the Honda, because

6:27

they're such rookies at electrics. And

6:30

so there are a number of websites now

6:33

that do updated guides on

6:36

what they believe are the best deals on

6:38

leases and what the lease specials are. True

6:41

Car is one, Electric, which

6:44

is spelled E-L-E-C-T-R-E-K,

6:48

which is a blogger on electric

6:50

vehicles that is very thorough on

6:53

the electric vehicle market. Carfax

6:55

does a guide to electric

6:57

vehicle leases. There's another website,

6:59

myev.com, that does a guide

7:01

to electric vehicle leases. As

7:04

much as I despise leases and

7:07

electric vehicles, it can

7:09

make sense because it may make you

7:11

eligible for a tax credit you're not

7:13

eligible for on a purchase, because the

7:16

credit goes to the manufacturer when you

7:18

may not be eligible for it as

7:20

a consumer, and then that gets

7:22

baked into the lease. And the thing

7:24

you brought up, the uncertainty

7:26

about how newer

7:28

brands in the electric space,

7:31

how those vehicles will hold up in

7:33

value, how they're going to hold up

7:36

at all, makes leasing those potentially

7:39

smart, definitely a viable

7:41

alternative. And didn't you just recently

7:43

convince your brother Gary to buy a

7:46

Y instead of leasing? I did. My

7:48

brother, it's funny because he was

7:51

a really anti-electric vehicle guy, then

7:54

he borrowed our car one day

7:56

and ended up saying, hey, this

7:59

thing's great. right? Then. He

8:01

bought he and his wife bought the why

8:03

and both of them are white. Obsessed

8:05

with their model. Why? Would. They

8:08

were spinning their wheels a lot with

8:10

the least. And. I was able

8:12

to run the numbers and show them that

8:14

it was a lot better. A deal with

8:16

the task was. To. Buy instead of

8:18

lease so that's what they did. I know

8:20

about the first year model, why I never

8:22

could imagine by a car without having ever

8:24

even seen it, but I knew it was

8:26

the one I wanted to say driven The

8:28

three. And. I love it. And

8:31

how long as he had a wide else? Twenty

8:33

Twenty. So. Okay, Connie in

8:35

Georgia says court. My question relates a personal.

8:37

Insurance, Auto and Home and. Best

8:40

determines the financial stability of an

8:42

insurance company. the resource to determine

8:44

if the insurance company provides a

8:46

good clean service. Also using an

8:49

independent insurance agents were insurance companies.

8:51

Do you recommend. Are not recommend.

8:53

Okay, so Connie First, let me

8:55

deal with the independent agent thing.

8:58

Independent. Agents aren't as many of them

9:00

out there is. there used to be. On.

9:03

Love independent agents because they're going

9:05

to be able to quote you.

9:07

Many. Different companies. And.

9:10

Their especially useful view of any

9:12

kind of unusual situation going on.

9:15

Or. They're very different than was so as

9:17

a captive agent. Like. State Farm

9:19

and all State Use captive agents

9:21

were the agents only. Represent.

9:24

That one company. On.

9:26

Like independent agents vs.

9:28

that. But most.

9:30

Insurance now is what's known as direct

9:33

written. Where. People go to a

9:35

website. Or. Call the company directly. That's

9:37

why you've got. Just. Endless

9:39

advertiser going on with Progressive

9:41

and Geico and. All.

9:43

State and State Farm and all that they're trying

9:45

to get. Those. Direct phone

9:48

calls. Or direct website visits

9:50

to get quotes. The. Companies

9:52

that advertise the most heavily.

9:55

Or not the ones. That. consumer

9:57

reports fines are doing the

9:59

best with customer service for

10:01

both claims and non-claims for

10:04

auto and homeowners. And we have

10:08

briefings on clark.com based

10:10

on what ratings groups like Consumer

10:13

Reports, J.D. Power, and others have said,

10:15

who does the best job in each

10:17

of these areas. So

10:19

there is no AM best for

10:21

that, but there is wonderful

10:24

research from Consumer Reports and

10:27

research from J.D. Power and

10:29

other ratings groups, American Customer Satisfaction

10:31

Index. And so we have

10:33

summaries of those, or you can go direct to

10:35

the sources and see who is

10:38

doing the best job year

10:40

after year, day in and day

10:42

out, serving someone when the chips

10:44

are down. Because you're not dealing

10:46

with a claim when everything's great.

10:48

It's when something's gone wrong. And

10:51

that's when you want to know that

10:53

the insurance company actually has your back.

10:55

Wendy in Illinois says, back in

10:58

October, I received several MasterCard charges

11:00

for tickets to New York City

11:02

museums, ferry rides, etc. How were they?

11:04

I know. I immediately called

11:06

the fraud department and explained that the

11:08

charges were not mine. I had the

11:10

card and have no other authorized users.

11:12

Initially, they took the charges off, but

11:14

now they claim that the tickets were

11:17

used and they reissued the charges. Wait,

11:19

wait, wait, wait, wait, wait. Just because

11:21

people use your card number

11:23

to get tickets and

11:25

they were used, that doesn't make you

11:27

liable for them any more than any

11:30

other fraudulent charge. Come on. I

11:32

have filled out their forms and submitted several

11:34

times stating that these charges were not mine.

11:37

Now it is March and I have not heard

11:39

anything. So this came in last month. I've

11:41

heard nothing. What is my next step to

11:43

get this situation resolved? I do not want

11:45

to pay for tickets I did not authorize

11:47

or use. Wendy, run,

11:49

don't walk to the

11:51

website consumerfinance.gov. Remember,

11:55

dot gov. That's the

11:57

Consumer Financial Protection Bureau. will

12:00

send your complaint as

12:03

a federal inquiry to

12:05

the bank. Yours is one

12:07

of the giant monster megabanks and

12:10

then it will go to a special department

12:12

there and now they're going to have to

12:14

justify to the feds within 30 days

12:17

why they're holding you responsible for

12:20

these charges. There is no

12:22

excuse for this. The

12:25

bank has no proof at all that

12:27

you did these charges. This

12:30

is pretty much an open and

12:32

shut one. This is a

12:34

bank, a giant monster megabank,

12:36

abusing you as a

12:38

customer. So file that complaint

12:41

right away with the Consumer Financial

12:43

Protection Bureau and you

12:46

should hear from this giant monster

12:48

megabank within probably about

12:50

two and a half, three weeks

12:53

that they as a courtesy

12:55

to you are

12:57

giving you a credit. They will

12:59

never admit that they messed up

13:02

the first time by posting

13:04

these charges back to your card. Know

13:07

that when you dispute charges on a

13:09

card it puts a process

13:11

in play and at first

13:14

you get a temporary credit subject

13:16

to investigation. In this

13:18

case the bank did no real investigation. They

13:20

said oh well well we paid this money

13:22

out so we we don't want to lose

13:25

it so we're going to charge you back

13:27

for it and that's when you

13:29

have to be prepared to fight

13:31

back against the giant monster mega

13:34

and I expect to hear that

13:36

you get the credit in short

13:38

order that you were owed. Again

13:41

consumerfinance.gov.

13:44

Coming up in just a couple minutes the

13:47

latest chapter of

13:50

self checkout. What

13:53

an unpopular activity self checkout

13:55

is. We're going to talk

13:57

about it straight ahead. What's now

13:59

happening that you're gonna see

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17:24

weird is it that retailers

17:27

went to self-checkout not

17:29

as a convenience to you and me, but as

17:32

a money saver for them? And

17:35

I think about when I go in a store and

17:38

there's no staffed registers at

17:40

all. There's a

17:42

redesigned Walmart of the future near me.

17:45

And it's so funny when you go up

17:48

to the front of the

17:50

store with your items, there's

17:52

no regular checkouts whatsoever. Everything

17:55

from one end to another is

17:57

self-checkout. If somebody is not...

18:00

physically capable of self-checkout, I don't know how

18:02

they actually do it and if

18:04

you look up there

18:06

are so many cameras watching

18:09

you it's bonkers in that

18:11

store but the

18:13

problem they're having with

18:15

self-checkout is thieves

18:18

are taking advantage of the

18:20

opportunity to steal at self-checkout.

18:24

So retailers are doing a bunch of

18:26

different things you may have

18:28

heard that Target is

18:30

limiting self-checkout to 10

18:32

items or less. So I

18:34

hope that when Target does that

18:37

they decide to open additional registers

18:39

with humans. The Target

18:41

that we go to probably

18:43

has I don't know 16 registers.

18:46

How many are ever staffed? How

18:48

many? The most ever is one.

18:52

Sometimes there's zero and if you want to check

18:54

out with a human you have to go stand

18:56

in the service desk line and

18:59

so everything is self-checkout. So now what's

19:01

going to happen? If you limit

19:03

people to 10 items or less are you

19:05

now creating a market incentive where

19:07

people say it's too hard to check out

19:09

of this store so we're only going to

19:11

get 10 items. Dollar

19:14

General is dumping self-checkout

19:17

at hundreds and hundreds of stores because

19:20

they've been dealing with theft. Okay

19:22

so here's the thing this

19:24

is so easy. Retailers did

19:26

this to save themselves

19:28

money and now it's turning out it's

19:31

boomeranging on them and hurting

19:33

them and costing them money. The

19:35

reality is these new systems

19:38

like the one I talked about at

19:40

Uniqlo that eliminate shoplifting

19:43

and are ultra customer-friendly for

19:46

checkout are great. If you never heard

19:48

me talk about it, if you

19:50

never heard of Uniqlo they're a

19:52

Japanese retailer that spent a fortune

19:54

developing a Proprietary system that's

19:56

led to a new way of

19:58

looking at self-checkout. Rock out and

20:01

retail. And it's but

20:03

nominal. You. Go up to

20:05

the self checkout. You. Drop

20:07

your merchandise into this been.

20:10

The. Been reads every item that sin

20:12

their cn a fraction of a

20:14

second. You. Press a button that

20:16

you're done, You pay and you're out. Several.

20:19

Line to check out. And

20:21

you're out of the store. With.

20:24

The quickest check out any body

20:26

offers anywhere. I. Mean you

20:28

think about this technology is gonna

20:31

be the answer. Technology made it

20:33

possible for the thieves to steal

20:35

all kinds of stuff. Technologies

20:37

also going to eliminate

20:39

the pain points. Of

20:42

self check out. And get

20:44

us out so fast! Without.

20:47

Their current staff problem that exists.

20:49

Is for self check out. Certain.

20:52

Stores I really liked: self check

20:54

out. Because it works well. Others

20:56

I can't stand it. So.

20:59

It really is a hit or miss

21:01

for me in a store, Whether the

21:03

pain point of self checkout, Is

21:05

too great are not. As

21:07

from. Walmart. And target.

21:10

I've never found the self checkout to

21:12

be hard. But. My favorite

21:14

of all spear the technology. Sam's

21:17

Club scan and go.

21:19

They. Got it down. They got it

21:21

right. I'm so impressed with

21:23

what they've done. So. It's all

21:26

a matter of putting the customer first.

21:28

How would you make. This. A

21:31

when when. There. Are

21:33

people who were doing that? And

21:35

before you know it, Self.

21:37

Checkout isn't gonna be a

21:39

hated thing anymore. Do. You

21:41

have a favorite self checkout poise. Know

21:44

it all depends on whether I feel

21:46

like doing work myself that time he.

21:48

Worked store I'm in a February do

21:50

you know? Go. Chris.

21:53

That it's just so

21:55

while you just pure

21:57

stuff in there. and

22:00

then you put it back in your

22:02

bag or you know a shopping bag

22:04

or whatever, boom you're done. I

22:06

mean it's instant

22:09

and a hundred percent accurate. I'm always looking

22:12

at the receipt to find something wrong. And

22:15

it's exactly right. Okay,

22:18

we'll go to questions. This is from Kathleen

22:20

in North Dakota. I got an offer. My

22:22

only state I've not been to. I

22:25

got an offer from American Express to start a high yield

22:27

savings account at 4.35% AP Y.

22:31

It's FDIC insured. Can

22:33

they take money from the savings account if we have

22:35

a credit card dispute? Potentially

22:37

yes. And what a great

22:39

question. It is common

22:41

that any bank will have cross

22:44

default clauses that if you

22:46

have a loan with them, you have

22:48

a credit card with them, you have

22:50

any kind of loan side of

22:52

the ledger thing going on, and

22:55

you have money on deposit with

22:57

them, they

22:59

almost universally will have

23:02

in there the cross default clause

23:04

that allows them at their own

23:07

option if they decide, oh no

23:09

we don't agree with

23:11

Kathleen at all, with no notice they

23:13

will come in and take that money

23:15

right out of your savings. So

23:18

as to what clause it

23:20

would be in an Amex agreement, I

23:23

couldn't even tell you. I would

23:25

tell you that these are so common

23:27

I would expect it exists, not

23:29

that it doesn't exist. Ken

23:32

in Arizona says, after freezing our credit

23:34

at Experian, TransUnion and Equifax, I took

23:36

your advice and went over to optoutprescreen.com

23:38

to shut off the flow of pre-approved

23:40

credit card offers we get in the

23:42

mail. On that site I

23:44

noticed it says opting out refers to the

23:47

process for removing your name from list supply

23:49

by the consumer credit reporting companies, Equifax,

23:51

Experian, Inovis, and TransUnion to be

23:53

used blank dot dot dot. I

23:55

had never heard of Inovis before.

23:57

Visiting their site I see they

24:00

also offer security freeze. Should I freeze

24:02

our credit there as well? You

24:05

could. I mean, there are, in

24:07

addition to the three very large

24:09

credit bureaus, Equifax, TransUnion, and Experian,

24:12

there are dozens and dozens, maybe past

24:14

a hundred, smaller

24:17

things that come under the

24:19

rules of the Fair Credit Reporting Act

24:22

and credit freeze and all that. And

24:25

so you can always

24:28

go beyond that because you never

24:30

know where someone will be

24:32

using a more minor credit bureau, like

24:34

the ones we've had about the credit

24:37

bureau, the obscure one that the

24:39

cell phone companies use. That

24:41

is why there's been so much theft

24:43

of service from the cell

24:45

phone companies. And then suddenly you get

24:48

a bill saying you bought that wonderful

24:50

new iPhone or you

24:52

owe this bill for a

24:54

month of service or whatever because

24:56

you may have had your credit frozen with

24:58

the big three, but you didn't have this

25:00

obscure one that the cell phone

25:03

carriers use. So yeah,

25:05

if you've discovered it, you want

25:08

to do everything you can, you

25:10

can do these various smaller credit

25:12

bureaus. And Novus is

25:14

probably the biggest of the smaller

25:16

ones out there. And if

25:19

you want to do it, it's free, you can

25:21

do it. And we do have an article about the more

25:23

minor credit reporting agencies at clark.com.

25:26

What do we call them? Are they like the

25:28

people who got accepted to the NIT instead of

25:30

the NCAA? Oh, like my school. Dollar

25:33

NIT? Boston College. Okay. Russ

25:36

in Rhode Island says, last summer my wife

25:38

and I cruised the British Isles on NCL.

25:41

Unfortunately, we both came down with COVID and

25:43

we were confined to our room for five

25:45

days of the 15 day cruise.

25:47

We were sick on days 10 through 14.

25:50

When we felt ill, we visited the ship hospital.

25:53

They immediately told us they don't accept insurance,

25:55

but would provide all of the documentation

25:57

to file for reimbursement from our insurance.

26:00

company. Of course we agreed because we

26:04

charged us $8,000 which we had to pay So

26:10

we did not provide the codes that insurance

26:12

companies used to identify the procedures. We

26:24

requested that they provide the codes and they told

26:26

us they do not do that. After

26:28

weeks of back and forth with the cruise line and

26:30

insurance, the insurance company agreed to reimburse us a total

26:32

of $3,500. So we're out $4,500. We

26:38

didn't buy medical insurance for the cruise because we

26:40

should have been covered. What would you have done?

26:43

So Russ, this same thing happened

26:45

to me with a cruise

26:47

and I was not able to get even

26:49

what you did. What I

26:52

learned after the fact is

26:54

that if you suspect you have COVID,

26:56

all you want from the cruise ship

26:59

is a COVID test. You don't want them

27:02

doing a wide array of

27:04

tests. If you just say yes,

27:07

they'll run every test

27:09

on you, use every piece of equipment they

27:11

have there and all you needed

27:13

to know was you had COVID and

27:16

that would have been a charge of I think like $80 on

27:19

a cruise ship to verify that

27:21

you have COVID. You felt

27:23

horrible, of course. There's only so much you

27:25

can do for COVID and they didn't need

27:27

to do diagnostics. They could have given

27:29

you a five-day run

27:32

of Paxilovid that usually

27:34

will significantly lessen the symptoms.

27:37

So the problem is these

27:39

infirmaries on the ship, they

27:41

are run by entities that are

27:43

trying to make money from it

27:45

and they will charge you for

27:47

every possible thing that you

27:49

would not normally have in a normal medical

27:52

environment. And yes, it is true in the

27:55

reading I've done. They don't code the

27:57

bills for US because the ships sail.

28:00

international waters, they have people from all over

28:02

the world and we're talking US

28:04

codes for health care. Wow. So

28:07

that's pretty brutal. I mean that would make me

28:09

want to buy the medical insurance if I'm going

28:12

on something like that. Because what if you're sick

28:14

of it? Okay, so even if you buy in

28:17

the reading I've done, even if you

28:19

have trip insurance covering medical, you

28:21

still may have trouble getting reimbursement

28:23

because they have not properly coded or

28:25

they may decide that the testing done

28:27

is not medically necessary.

28:29

Wow. So that's why you if

28:32

you were feeling terrible and

28:34

they do a COVID test on you, a flu

28:36

test, whatever, and they find you have COVID,

28:39

you got the diagnostics you

28:41

needed and then all you

28:43

need from that point is treatment. But

28:45

it is a game that

28:48

happens on the cruise ships is to

28:50

try to run up these bills in

28:52

the ship infirmary. Just

28:55

know this, I mean you now know,

28:58

but anyone else going on a cruise know

29:01

that you want diagnostics

29:04

and treatment, you don't want

29:06

endless diagnostics. And once they know

29:08

you got the COVID, then

29:11

they've done what they needed to do and that

29:14

was really it. Well, unless you're,

29:16

we're gonna get Clark stinks, unless you're

29:18

really sick and you might need those things, or if you

29:20

have something else other than COVID. If

29:23

you're exhibiting symptoms of flu

29:26

like stuff, they're gonna do

29:28

a COVID test. Is

29:30

there an RSV test? There's a flu test. I

29:32

don't know. COVID flu,

29:35

maybe RSV. So they

29:37

figure out because they all present similar

29:39

symptoms, you know, it's hard to figure

29:41

out what's what. So when they figure

29:43

out that's what you have, then what do you

29:45

do? You treat it, you know flu with

29:48

chemo flu. If you get it early on. The

29:52

COVID with Paxilovid and I don't know how

29:54

you treat RSV. I don't know. This

29:56

is reason 1,698

29:59

why I don't want to ever go. on a cruise again. Seriously.

30:03

And we're going on another cruise this summer

30:05

because that's my son was excited

30:07

about for his high school graduation

30:09

gift. God bless. Overprivileged

30:12

kid will be his 26th cruise.

30:14

Wow. That's

30:17

great. And you remember the first one

30:19

when he was... Oh yeah. Kindergarten I

30:21

guess he was. Wrote you that persuasive

30:23

letter. Yeah. Okay. I

30:26

hope if the one thing, the only

30:29

good thing Russ in this is that you're

30:31

both healthy again. Yes. And

30:34

no following effects of it. But

30:36

the whole cruise ship thing with the infirmary,

30:39

be on your guard because

30:42

they will run up that bill

30:44

no doubt. And I learned

30:47

also, it's firsthand like you. Well

30:49

I want to... That was kind of a sad way

30:52

to end. Well speaking of Clark Stinks, you know, since

30:54

I said you were going to get some... I'm going

30:56

to be tomorrow. Yeah and guess what? I have

30:58

a surprise for you. A surprise

31:00

Clark Stinks tomorrow? I have a surprise last

31:02

week you talked about how sometimes we do

31:04

doubles to clear out the Clark Stinks and

31:07

then box. We're doing a double tomorrow? I

31:09

can't even clear it out. We're doing a

31:11

double. Alright. It's all Clark Stinks. All the

31:13

time. This Friday. And

31:15

remember what we're about. Save

31:18

more. Spend less. And

31:20

avoid getting ripped off. See you

31:22

tomorrow. Bye.