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Today's broadcast featured Best Of Clark segments from recent shows.

Doctors are being squeezed between what they're paid from insurers and what they're paid from Medicare/Medicaid. The reality is that doctors often make no money or even lose money when they see you. So they're shifting their practices to reflect the free market.

For example, take the field of dermatology. If you have a suspicious mole, you may wait months for an appointment if you're an insurance customer. But if you're willing to pay cash for cosmetic dermatology, you can usually be seen in 24-48 hours.

The New York Times reports that dermatologists and laser-eye surgeons are even building separate waiting rooms for cash customers. They're rolling out the red carpet with fancy furniture, free lattes and more. Contrast that with the ratty furniture and long-expired magazines that fill traditional waiting rooms for insured customers.

The doctors are not bad guys; they're simply business people. You can't blame them for wanting to put food on the table. It's the current health insurance system that deserves your ire.

Not all states are created equal when it comes to employment. While Michigan, Ohio and Indiana are seeing jobs leave, other states can't find enough workers. Wyoming and Texas are both examples of the latter situation.

Americans have always been a migratory people in search of better opportunities elsewhere. Now the newest wrinkle is that many entrepreneurs are going mobile by coming to customers -- instead of waiting for customers to come to them. For example, mobile dentists in RVs are going to patients or specific businesses. Dog-grooming services and legit massage therapists are also doing the same thing.

While it may cost entrepreneurs more in fuel to go to customers, they also enjoy lower overhead if they don't have a storefront. The Boston Globe reports one mobile spa company has 700 technicians in 50 states and revenue is up 300%.

So if you're an entrepreneur, what creative thing can you do to generate more customer traffic? Is there a cost-effective way for you to go to the customer?

On the other hand, if you're a worker and you find that opportunity is lacking where you are, you may have to go mobile too!

CLARKONOMICS: The economic news today is frightful. Wholesale prices of goods rose at the fastest level in 27 years. Retail has also reported dismal signs, including J.C. Penney, Target, Home Depot, Staples and more.

But Clark wants to take the headlines down to an individual level. He wants you to see how your decisions cause financial heartache and how you can change your behavior. The core of his message is, of course, save more and spend less!

New stats from the Federal Reserve show that the average American only has about 40% equity in their home. 20 years ago, we had 75% equity in our homes. But that all changed when banks started pushing home-equity borrowing like a dealer pushes illegal drugs.

People were only too happy to borrow for lifestyle. Now the banks are in a tight spot. We're defaulting on our home-equity lines left and right. Banks are losing money when they foreclose, but what choice do they have when we're not paying anymore?

We need to do a hard restart in our brains. Some people think it's a good idea to borrow home equity at a low rate to pay high-interest credit cards. But doing so only frees up the credit cards so you can charge them up again, plus it creates a deficit against your home.

There isn't really a quick solution; you've got to climb out of debt step-by-step. You didn't get into debt overnight and you won't get out of it that way. It all comes down to this: Do not use borrowed money to achieve a desired lifestyle.

You've got to come up with your own deterrent -- think of it as financial electric shock therapy -- when you're contemplating spending money you don't have.

Targeted TV ads have traditionally been too expensive for small business owners to buy. But a new website called SaysMe.tv is leveling the playing field. It allows you to target specific parts of a town and get ad quotes on a variety of channels.

For example, SaysMe.tv lists an ad on MTV in the Raleigh, N.C. market at 4 p.m. as costing $130. If you wait until midnight, the price drops to $44.

This service was developed with small business owners in mind, but it was really embraced by people who were passionate about the election. They bought ad time and populated it with their own content. So you had a slew of homemade ads airing -- either for or against McCain or Obama -- over the past few months!

One final word on advertising: Repetition counts. If you are a small business owner, don't think that buying a single ad will get results. You need a strategic plan to buy a number of spots on the right channel at the right time.