Clark wants you to beware of hotel ballroom seminars where people are touting the “factoring” business. If you’re not familiar with this industry, these companies buy receivables from retail manufacturers and try to make money off of them. They tell you that you can make money off of these buy outs, so they get you to buy in. But you really won’t make a thing. Clark talked to a woman today who used to be in the seminar business, and she said they would get 15 to 20 people a day to sign up knowing those people would never see a dime.Watch out!

• irs.gov - I-bond info & Form 970
• justyellfire.com - 14-year old records date rape video
• cruisecritic.com - cruise reviews
• tirerack.com - help buying tires
• consumerreports.com - tire reports

People have been asking Clark for awhile when he will start offering podcasts of his show. Well, that time is fast approaching. We are working through the details with our host company, but our launch date for offering podcasts and archives of the show is now December 5. We’ll keep you posted on this as we get closer. But as of now, you’ll be able to listen to previous shows on your computer or download them automatically to your Mp3 device. We’re also going to collect scam alerts and our favorite calls so you can hear those too! There will be a new section added to the left navigation on our site called "Audio Archives." Look for it soon!

What is the advantage of buying mutual funds from full commissioned stockbrokers? There is none. Researchers at Harvard and the University of Oregon compared returns on commissioned mutual funds versus non-commissioned funds and found that the people make more money on commission-free funds time and time again. Many stockbrokers are above board and just charge you the company fees. But there are also dirty brokers who get paid extra to put you in poorly performing funds. They are referred to as “incentives” but what they really are is kickbacks. So, stick to commission-free or no-load funds when setting up your portfolio. They’re much better for your wallet.