• nobulges.com - the flattest wallet out there

Many people are in painful relationships with their employers. Employers used to hire employees for long periods of time and give them lots of benefits. This is not the case anymore. Many people used to get pensions, but the L.A. Times recently reported that only 1 in 5 people are enrolled in a traditional pension plan these days. Clark wants listeners to realize that we have to provide for ourselves. The time when our future depended on government and employers is over. A low percentage of employers offer any type of retirement help now. Clark wants you to know you can’t be physically dependent on government or employers to help in your future.

One in seven people move every year, and most have some kind of horror story to tell. Unfortunately, the moving industry is being infiltrated by organized crime. There are two types of moves: state-to-state moves, and local moves (regulated specifically by the state or not at all). There is a loophole allowing criminal activity in the laws written by Congress for state-to-state moves. They either try to extort money from you, steal your possessions, or a combination of the two. The New York Times reported that two consumers who were scammed set up a group, Citimove, to help people learn about moving scams. The scams (both state-to-state and local) work by the movers quoting an original price, picking your things up, and then calling weeks later with a ransom to get your possessions back. Clark stresses that moving preparations need extreme care and caution. Movingscam.com is a good website to learn to protect yourself. Moving.org will help choose a certified mover for a state-to-state move. Purchase insurance coverage from your movers because they are not responsible for anything stolen or lost without insurance.

The SEC just shut down a group that stole millions from churchgoers who believed they were being “divinely guided.” The people believed they would make twice as much money in sixty days if they invested in these gold transactions. They were told their money would help an Arabian Prince move his gold from Israel to the United Arab Emirates, which of course was not true. There is no legitimate chance that you can double your money within sixty days. You are doing well if your money earns 4 to 5% a year. Clark wants people to make intelligent decisions with there money.

Yahoo recently conducted a survey showing that three-quarters of Americans have the entrepreneurial bug. Many people want to have their own businesses, and half of the people surveyed want to start their own business in the next five years. No. 1 on a list of reasons why was that people wanted to do something they loved. Second on the list was that people wanted to be their own boss. Much lower on the list was making money. Clark thinks this is great. The American City Business Journal reported people who start their own business end up loving it and are very financially stable.

Economists have been wondering how much danger there will be in real estate markets where housing prices have increased dramatically in short periods of time. Bradenton, Florida has had the highest increase in prices in the country and Sarasota, Florida has had the second greatest increase. Both areas’ values have increased by roughly 50 percent. Economists wonder if the increases will cause a bust or a soft landing. Clark believes the chances of a full bust are limited, but there are chances of scattered declining markets. If you plan on staying in your home, you have nothing to worry about. At the same time, banks have become more careless in lending money to people who cannot afford their new homes. So new regulations are forcing banks to looks at factors other than credit scores and reports.

Clark has learned that thick wallets in his back pocket can cause back problems. He has moved his wallet to his side pocket, but the wallet still bothers him. Now there is a solution! The Chicago Tribune reported that the Allett Wallet - a new extremely thin wallet - can hold up to 30 cards. Without causing a bulge. The wallet costs $14.95 and is available at nobulges.com. Clark ordered one and is waiting to test it out.