VRBO.com - Vacation rentals by owner
Kayak.com - Search for cheap fares
SideStep.com - Search for cheap fares
FareCompare.com - Search for cheap fares
Mobissimo.com - Search for cheap fares (for int'l travel)
HSH.com - Mortgage calculators and more
DinkyTown.net - More financial calculators
IDTheftCenter.org - Identity Theft Resource Center

Looking for a great deal to Hawaii this summer? Clark was looking at VRBO.com for a relative who wants to go to the Aloha State. This site -- offering vacation rentals by owner -- was surprisingly packed with availabilities at great prices.

Why Hawaii, why deals? Recall that both Aloha and ATA Airlines failed this past winter, so that drove up the cost of air travel to the Islands. But fewer travelers has meant less demand for accommodations. Fortunately, the drop in price of hotel and resort bookings is outpacing the rise in the cost of air travel. So you can still win on a weeklong vacation in the long run -- even if you are paying more for the flight.

Try finding a fare on Kayak.com, SideStep.com, FareCompare.com or Mobissimo.com (for international travel). They are all "screen scrapers" and search hundreds of sites to find the best deals. You'll probably find better deals than you would on Orbitz, Travelocity or Expedia.

Kayak is now testing an option to calculate the true "fly-out" price for a ticket. Their beta actually factors in baggage handling fees, the price of an in-flight beverage if you select that option, etc.

But what if you're driving rather than flying to your vacation destination? Some hotels are offering free gas card deals. You may, however, still be better off with a condo or a cheaper room rather than opting for the lure of a free gas card.

So for those who can afford a vacation, they are more affordable. Clark's golden rule is when you see a deal, grab it. Then figure out why you want to go there!

Clark felt like a lone wolf in the late '90s when he got excited about an experiment Progressive was running in Texas to track how, when and where you drove. Once they had this data, they were able to give a highly targeted auto insurance rate.

There's a certain creep-out factor in being monitored this way. Listeners at the time felt Clark was advocating Big Brother. But he rebutted by saying this is voluntary; you choose to let the insurer monitor you for a potential savings.

The Wall Street Journal reports other insurers such as GMAC, Hartford and Uniguard are also offering this type of monitoring and pricing in a number of states. Progressive had been operating this model under the TripSense moniker and will soon rechristen it as MyRate.

Insurers are looking for patterns of jackrabbit starts and hard braking, which both suggest that a driver does not keep a safe following distance. If your driving passes muster, you could enjoy rates that are up to 60% cheaper.

For example, one GMAC customer had been paying $2,000/year for 2 high-end luxury cars. When the system tracked the man and his wife in their daily driving routines, their insurance dropped to $866/year.

Insurers have found that people drive more carefully when they're being monitored. Clark originally predicted most drivers would start out safe and then soon forget. But that's not been the case. We do actually change the way we drive over time.

A recent caller took Clark to task for telling seniors not to carry their Social Security cards around. This disgruntled listener complained that seniors have to carry their Medicare cards, which contain their Social Security numbers.

For the record, Clark believes seniors shouldn't routinely carry their Medicare cards -- unless they know they have a doctor's appointment on a given day.

Years ago, the government ordered private insurers to start using MRNs (medical record numbers) instead of Social Security numbers to minimize the risk of ID theft. The insurers kicked and screamed, but they ultimately complied.

Now, behind the scenes, the government is trying to force Medicare to do the same. The San Francisco Chronicle reports the Social Security Administration itself is trying to pressure Medicare -- and they're not complying.

Seniors are prime targets for ID thieves because they're the ones with all the assets. 31 states have laws that prohibit or restrict the display of your Social Security number. Why don't the arrogant folks at Medicare care? Why must they aid and abet the ID thieves?

The IRS has new numbers on mileage standards that are up to just under 60 cents/mile. Clark has traditionally said that it costs you around 50 cents a mile to operate a vehicle, but now that's obviously changing.

Fuel is only a part of the cost. But we've become so myopic by only focusing on the mpg ratings. In fact, people are making emotional auto-buying decisions based on those mpg ratings.

Clark's Dash unit has added a feature that lists nearby gas stations and their prices. That goes to show our fixation on gas prices. Likewise, comparison sites like GasBuddy.com and others are booming.

But Clark encourages you to step back and think about the big picture. Even with $4/gallon gas, it's the overall cost of a vehicle that matters: Depreciation, insurance, the cost of your loan, maintenance, repairs, etc.

If you go from a gas guzzler that's paid for to a new vehicle with a 5-year loan, think about the cost of that loan every single month. Not to mention that dumping your gas guzzler will probably get you awful trade-in value.

You may need to reconsider that choice.