HSH.com - Mortgage refinance info
DinkyTown.net - Mortgage refinance info
EvaluateLifeInsurance.org - Estimates "true" investment returns on any cash value life insurance policy (the typical cost is between $70-80)

Just days ago, Clark told you about a chiropractor who filed a libel suit against someone who posted a negative review on Yelp.com. Now The San Francisco Chronicle reports that the case was quietly settled out of court.

Hot on the heels of that news, a dentist has now filed suit against 2 people who posted negative reviews about her practice.

Does anyone see a trend emerging here??

Online review sites can really shape the way we conduct business with vendors, hotels, etc. But here's the bottom-line for you: Be smart about what you post.

It's like Clark often tells people who want to protest outside of a business they say treated them unfairly: Stick to the facts in your speech and actions. It's one thing to assert your rights, but it's another to open yourself to litigation with overheated rhetoric.

CLARKONOMICS: One common measure of an automaker's overall health is the days' worth of supply they like to have on their dealers' lots.

U.S. automakers traditionally aim for 60 days' supply on a lot. That means that if they closed every factory, it would take 60 days to sell off the existing vehicles. Japanese automakers, however, like 40-45 days of supply on their lots. Anything less than that and customers likely will be disappointed when they go to a dealership looking for a certain color, certain features, etc.

But right now Honda has 100 days of oversupply on its dealer lots. So it would take 3.5 months to work off the inventory if they stopped all production today. That massive oversupply means right now you can steal a deal on any of their models -- even the very popular Accord and Civic.

Honda isn't the only automaker with tremendous oversupply. The king of oversupply at the moment is Chrysler. They are sitting on 142 days' worth of supply on dealer lots. That's almost 5 months of unsold inventory!

Back in April 2008, Clark wondered about Chrysler's future and got an earful from the automaker. Today, it's no secret that they're on shaky ground. Chrysler's situation is so dire that they're only still open because of the bailout.

So know this: You buy a Chrysler product at your own risk. Should the company fail, the warranties will vanish and the resale value of their vehicles will diminish.

Did you know that you can prepare and e-file your income tax completely for free this year regardless of your income? Last year the IRS had strict limits on who could use free tax prep software.

If you want to file for free, go to IRS.gov and you'll see a list of participating software vendors. (Editor's note: According to the link above, the info won't be available online until Friday, January 16.)

Be aware that certain vendors won't let you do the free prep and e-filing if your income is above $56,000/year, so take note of each one's individual restrictions. But you're guaranteed to find some that certainly will this year. Select vendors will also allow you to do your state income tax as well.

Clark and his wife are about to embark on a trip to Las Vegas thanks to some cheap airfare they managed to land. Though they'll be going on a holiday weekend, they had no trouble finding bookings at hotels.

The penny-pincher tried bid after bid, day after day on Priceline to get a deal that was suitable. But before he entered his first bid, his first stop was BiddingForTravel.com to get a feel for what other successful bids looked like. He noticed the general trend was around $110 for a night at a 5-star hotel and started his first bid at the ridiculously low $59 before going up incrementally.

He made 24 bids over 3 days in total. How is that possible? In general, Priceline only lets you bid once a day. But in Las Vegas, there are multiple neighborhoods you can bid in -- and only 2 had 5-star hotels. He simply added a new neighborhood and rebid each time as he got turned down.

Clark ended up paying $105/night, which is way more than he expected. He thought he would be at a Wynn property, but he actually got the new Trump property. The reviews on TripAdvisor.com suggest the staff has a real attitude toward customers, so we'll see what happens…

The bright spot of the trip is that his rental car is only $8 before junk fees. That's cheap, thanks to a new no-frills, automated Hertz discount subsidiary called Simply Wheelz by Hertz.