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Clark was on a plane pulling into the airport gate recently when a man using the walkie-talkie feature of his Nextel phone started screaming into his device. Everyone started looking and commenting on how inappropriate and annoying it was. Of course, the guy had no idea. And that is par for the course. A University of Michigan study found that 60 percent of people find public cell phone use a major irritation. Clark would like people to use better manners when they are on the phone or using devices. It's unlikely to happen, but we all know it can be a major distraction in meetings and other situations. Other countries have caught on to the importance of cell phone etiquette. In Hong Kong, most restaurants require that you leave your cell phone at the front of the restaurant before you sit down. Furthermore, the Insurance Institute for Highway Safety reports that using a headset with your cellphone in the car does not make you safer. You are four times more likely to get injured using a cell phone than if you were driving without the cell phone. So, try to stay off the phone in the car and when others are around. You will pay less in bills and others will thank you for it.

John Hopkins did a study on worldwide health care spending and found that the United States spends gobs more money on health care than other developed countries. The average cost of health care in developed countries around the world is $2,000 per person per year. The average cost in the States is $5,000. Worse yet, the United States has a smaller number of hospital beds, a smaller number of doctors, and an even smaller number of nurses. The study showed that while we spend more money, we actually have lower quality of care than the rest of the world. So where is our money going? It's not going to malpractice suits. Medical malpractice payments for the States are a tiny fraction of the entire pie. The truth is that a lot of health care money goes into insurance expenses and administrative costs. Clark believes we need a modern health care system that fits the needs of our citizens. We change jobs every couple years and are an entrepreneurial bunch. Yet our current system is based on the employment trends of the 60s, when people still worked for one company their entire lives.