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This was a year of embarrassment for colleges who were in cahoots with unethical banks and other lenders. First there was the whole student loan scandal. Now The Milwaukee Journal Sentinel reports that there are some dubious practices taking place on campuses related to student credit cards. Many schools get kickbacks for allowing there to be an "official bank" on campus. Such financial institutions offer outrageous terms and conditions on their credit and debit cards for students. The universities do this to get money under the table money from the banks. These arrangements are technically "partnerships," according to the schools. But the fees on the cards are almost double those available in the general marketplace. Clark believes a full investigation is necessary. As he says, if university officials have been getting bribes, they should go to prison. This is yet another thing for parents to worry about when packing their kids up for college at the end of the summer. Clark says to shop around on campus for a bank or credit union that's available to faculty, staff and students -- instead of just going to the preferred campus lender where the university sells out its students. What is going on in the banking world that offering bribes and kickbacks are becoming so routine??

As you probably know, Clark hates to waste things. He had been using the same pair of headphones in the studio since the '90s. Even though they were old and ratty, he used them until the end of their life. Now he has a new pair, so don't be surprised if he's able to hear you callers a little bit better! Likewise, he holds onto clothes long after they should be thrown away or given to charity. In fact, his wife has to periodically purge their closet and make the old threads "disappear."

Clark read a TechWorld.com report about how manufacturers of the cartridges we all use in our printers give you a notice that your cartridge in empty when nearly 60 percent of the ink is still left. If you throw it out at that point, more than half the ink you pay for goes unused! So when your computer tells you replace to the cartridge, instead just pull it out and shake it. You'll probably get several weeks more use out of it. After all, manufacturers have a clear financial incentive to shortchange you and make you buy more of their product. What you pay to print per page skyrockets if you throw that cartridge out or recycle it too early. Multi-ink cartridges are the worst because they have individual ink banks for up to three or four colors. Any one of them can run out before the others do. Another way to save money on ink cartridges is to get them refilled. Manufacturers hate it when you do this. Studies haven't yet shown decisively if the refilled ink is good quality or not. So just shake it up, baby! Samsung is one of the few companies that makes printers with a toner saver button that can reduce the amount of ink you use per page by 40 percent. Over time, that becomes a great savings.

China is a communist country that has many capitalist tendencies. Mobile phone technology like text messaging now allows people to express opinions to each other without the fear of censorship. Just as modern technology makes it possible for there to be a variety of voices, it also makes it harder for one person or political party to have a huge influence. Books like 1984 were filled with fears that technology would aid dictatorships, but China is showing the opposite proves true. China's fellow communist neighbor in North Korea is now frightened that its people will revolt after hearing radio ads from South Korea where there's a free-market economy pushing new cars, appliances and so much more. It seems like there's always skepticism about technology. Now there's even a question in the medical field about whether video games can be addictive. But the reality is that technology is so useful to us in so many ways.

The internet offers users the opportunity to get thing much cheaper than at physical stores. The Wall Street Journal's Personal Journal section reported that people have begun treating cyberspace like an old-fashioned bazaar, where they haggle for lower prices. Comparison shopping websites like ShopStyle.com and Glimpse.com have always been helpful in this regard, especially if you're in the market for a good deal on clothes. You can even find out about big savings at message boards like MakeUpAlley.com and StyleForum.net, where bargain hunters will post their finds from around the web.

To bargain for lower prices online, you should e-mail the website you're interested in and tell them about a better offer you found elsewhere on the web. Often the e-tailer will give you a comparable or lower price (and maybe even throw in free shipping) to get your business. One thing from the Personal Journal article that really struck Clark was that the writer mentioned getting a pair of blue jeans online for the bargain price of just a little above $100 -- some $50 cheaper than list price. That just goes to show that Clark really lives in a different orbit than most people. He says he doesn't do triple-digit clothing; in fact, he doesn't even really do double-digit duds. Single digit? Now that's more his style!