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Citigroup, the country’s biggest credit card issuer, has initiated two customer-friendly initiatives and Clark wants to tell you about them. You may have heard about credit card companies raising rates whenever they want for any reason. It may have even happened to you personally. Credit card terms of service usually include a clause saying the bank can do that anytime. Well, Citigroup, which now goes by Citi, is doing away with that practice. Secondly, the company is no longer going to use what’s called “universal default” to boost your rate. Under a universal default clause, a company can jack up your interest rate significantly if your credit report shows any late payments. That means you could pay your electric bill a few days late and your credit card company increases your rate because that late payment is on your credit report. Citi is eliminating its universal default clause, which is great for the consumer. He hopes others catch on follow suit for their own good.

Have you heard of Max Hardberger? Probably not, considering that he’s a pirate. That’s right. This Louisiana native is a modern-day Robin Hood in the pirate industry. There are still pirates and marauders out there, stealing ships and loot, because maritime law doesn't really exist. He’s been given the job of getting these ships back by paying bribes. Now, it’s illegal for any business, government agency or person to pay a bribe. But it’s okay to pay bribes for illegally seized ships. So, Hardberger pays bribes to corrupt government officials to find out where they are, boards the ships and kidnaps them back. Sounds exciting right? Plus, he makes $100,000 per ‘extraction.” You probably won’t be able to get a job like Hardberger. But, the story, which you can read more about here, is a lesson in finding a job that suits you and that you love.