Kurrent - Find out about the electric car that runs for two cents a mile
Vacation Rentals by Owner - Assists with renting private accommodations directly from the owner
No Scam N.C. - Learn how to protect yourself against ID theft

While the big oil companies are the ones ripping us off, it's your local gas station that gets the heat from consumers. But did you know that gas stations actually like it when the price of gas is lower? When prices get too high, people tend to buy less of the expensive convenience store goods like beer, cigarettes and lottery tickets that are profit boosters for gas stations.

No matter how you look at it, fuel is just one cost associated with a car. If you were paying to ride in your car the same way you pay to ride in a taxi, you'd be spending some 50 cents a mile. But what if you could drive for as little as two cents a mile? There are a number of smaller companies such as Kurrent making electric cars offering that kind of fuel economy. Kurrent -- which was bankrolled by ad-agency people using their retirement funds -- makes an electric vehicle that will go up to 35 miles an hour with a 100-mile range on flat ground. You can charge the vehicle in an ordinary household outlet. And though it is very small, it's built strong enough to be substantial in a crash. They're making up to 10 of these cars a day. The primary market is in large retirement communities in Florida, California and the mountain states. But if you think you're too cool for a grandpa-mobile, just ponder these economics: In addition to running for just two pennies a mile, a Kurrent costs as little as $10,000 to buy. Now that's a Clark Car if ever there was one! Clark has been fixated on great fuel economy since the oil shortages of the '70s. As he says, we are the strongest nation on Earth, but we won't always be if continue to give our money to oil-producing nations that want to destroy us. We must be innovative as Americans, and going electric with your car is one way to do it.

The pet insurance market is a booming industry that's growing by 25 percent per year. There is a quarter billion being paid in premiums! What accounts for the amazing growth? The marketplace has decided that pet insurance is great to have thanks to events like the tainted pet food coming to our country from mainland China. Consumer Reports ran an article that found pet insurance is not necessarily a wise investment unless your pet is older and goes to the vet a few times a year. But if you have younger animals, Consumer Reports recommends putting what you would pay for pet insurance into a savings account for future use. Clark believes people treat buying pet insurance policies like they would when they purchase an extended warranty on electronics equipment. They say, "Wow, I bought the insurance and then my dog needed medical care six months later. The insurance company paid tons of money that didn't have to come out of my pocket." In fact, the argument is better made for pet insurance than extended warranties on your new TV or stereo. Less than five percent of electronics will break in the first few years. On the other hand, you know your animals will need medical care. Just think carefully about their age and current health before you buy. Also watch out because the industry excludes many breeds from coverage. Finally, ask your vet about which policies are best before buying. He or she will know firsthand from customer feedback.

It's a great time to vacation at the beach -- not just because it's summertime, but because it's really a renter's market right now. Many owners are stuck with second homes on the water they can't use. So they're trying to rent them in the summer market at deep discounts. The Boston Globe recently reported that Cape Cod is now a great renter's market. For years the Cape has been a notoriously hard place to find a decently priced rental. But now due to the lack of people willing to rent, owners are offering their places at discounts of up to 20 percent. Just be aware if you're going to do a summer rental up north that the beach season there is shorter than it is elsewhere.

So what's the best way to take advantage of this soft market for rentals? Clark recommends a website called Vacation Rentals by Owner. As the name suggests, it helps you rent directly from owners -- whether it's a home, condo, cabin, villa or apartment! For extra value, be sure to look at "fill in the gap" deals where you rent accommodations that are available in between other renters. But be wary of pictures supplied by the owner. Photography can cover up a lot of sins, as Clark says. He recalls when he was in the travel business and someone showed him a brochure with a picture of a hotel next to a picture of a beach that was nowhere near the hotel! Meanwhile, if you're renting an older property, look to see that it's been renovated within the last three years. And don't be shy about asking for more pictures from the owner. What you get initially may be misleading, so watch out!

All around the country, state laws are being passed that ban teens from talking, texting and e-mailing on cell phones while driving. But what about adults who are still doing all this stuff while behind the wheel? Clark has a self-imposed rule that he tries to follow with varying degrees of success: If he needs to make or take a call, he pulls off to the side of the road. Clark is also acutely aware of the addiction some people have to their Blackberrys. He's set his Blackberry so that he only receives e-mail 16 times throughout the day instead of every time a message comes into his inbox. That helps prevent him from becoming a "Crackberry" addict. But for some people it gets to the level that they have to shut down their Blackberrys for weeks at a time to break the addiction. In fact, one in five people feels "tech gadget remorse," according to the Pew Internet & American Life Project. Meanwhile, text messaging is so much a part of our culture that there have been lawsuits against Deal or No Deal, The Apprentice and 1 vs. 100. These shows charge you roughly a dollar to text in and win prizes related to the program. Isn't that like illegal gambling?