FDIC.gov - Estimate the coverage on your deposits
NCUA.gov - The National Credit Union Administration
Edmunds.com - Stay current on auto manufacturer incentives
CarsDirect.com - Get a price quote when shopping for a car

Clark's daughter is a freshman and he's floored by the outrageous prices he has to pay for her textbooks -- even if they try to get the books used. The average student spends $575 to use his or her books for about 12-15 weeks -- then they become yesterday's news. One college has a brilliant solution to this annoying problem. Northwest Missouri State University is now renting textbook to students; the average bill for a semester or term is $75.

Several years ago, Clark went on the air talking about how it's a racket when professors get paid to revise their textbooks annually and push the updated editions in course syllabi. He heard from an angry science professor saying educators would be shortchanging their students if they didn't update -- because the field of science evolves so rapidly. That may be true at the graduate level, but not at the undergraduate level. Most undergrads are just trying to decide what they want to do for a career. To make underclassmen buy an updated textbook every year is ridiculous. Clark hopes Northwest Missouri State's model gains traction across the country.

Experian's FreeCreditReport.com is one business venture that enrages Clark. The credit bureau has been slapped with fines for misleading advertising at the website; the service being offered is not free. It turns out that Experian must not like competition -- they've filed suit against LifeLock alleging violation of the Fair Credit Reporting Act and…you guessed it…"false and misleading advertising and fraud." Well, it takes one to know one, Experian.

First off, Clark wants to answer a long-standing question he's been hearing: Yes, LifeLock is the real deal. It is not a scam. They put out fraud alerts 4 times a year with each of the bureaus to reduce, in theory, the amount of ID theft. But in doing so, LifeLock takes a piece of the action away from Experian's Triple Advantage Credit Monitoring service (available via FreeCreditReport.com).

In the interest of full disclosure, Clark wants you to know that he's been approached by LifeLock to put their people on the air. That's not going to happen. While he respects the company, he thinks you'd be better off doing a credit freeze. But he's just riled up over the arrogance of the liars at Experian who want to file suit on the grounds of exactly the kind of garbage they've been doing for years. Would anyone from Experian like to come on the show and offer a rebuttal?

There's great news for your wallet coming to a car lot near you. Automakers have been trying hard to scale back production to get supply and demand in sync. But it's not working; demand is dropping quicker than they can cut back production. There's simply too much product out there. Couple that with the fact that repossessions are skyrocketing and the housing slump is cutting into people's car budgets -- it all adds up to a perfect storm for the savvy car shopper. The Wall Street Journal reports that domestic, Japanese and European automakers are all offering great deals such as 0% or 1% financing and big rebates.

Edmunds.com will keep you up to date with the latest incentives. Keep in mind that sometimes a credit union car loan at 5% with loads of cash back from the manufacturer is a smarter move than an offer of 0% financing from the dealership with no cash back. So arrange your financing in advance, know the market and avoid "the grind" at the dealership. Start pricing vehicles at CarsDirect.com. They'll give you a fixed price that you can use as a reference point. You may even find that their price is the best. Surprisingly, people love the Internet for researching cars, but they always go to the dealership and face "the grind" when they want to seal the deal. Old habits die hard.

Following the last major security breach of veteran info, Congress ordered all government agencies to have procedures in place to protect your info. Now the Government Accountability Office -- the investigative arm of Congress -- has found that only 2 out of 24 agencies they checked had implemented any new procedures. It's not just the feds not securing your info; most local governments and court systems also have it unsecured. Isn't it ironic that corporate America is actually further along in protecting you than government? That's not saying much considering how lousy of a job corporate America is doing! So what's the problem? Simple -- it's not anyone's primary mission in either of those sectors to secure your info. It's like rearranging a sock drawer -- will you ever get around to that? The only cop on the beat is you. The weapon of choice is a credit freeze. There's a new sheriff in town. You just have to choose to put on the badge.