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Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, rec ...
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Join us Sundays at 10am @ River Church Finland (riverchurch.fi) for the Main Event. Fulfill your calling - prepare for your assignment: come to Bible school (rbi.fi). “And behold, I will send forth upon you what My Father has promised; but remain in the city [Jerusalem] until you are clothed with power from on high.” (Luke 24:49 AMPC)
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It’s up to us to bring God’s truth back into our culture. It may feel like an impossible assignment, but there’s much we can do. Join Pastor Allen Jackson as he discusses today’s issues from a biblical perspective. Find thought-provoking insight from Pastor Allen and his guests, equipping you to lead with your faith in your home, your school, your community, and wherever God takes you. For more information, visit allenjackson.com
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The study of literature can be fun, relevant, and meaningful for all students if we focus on inspiring creative and curious thinkers and writers. Visit www.theteachersworkshop.com to find more resources for secondary ELA (high school English language arts) teachers.
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Bills'n’Bots

William De Herder, Bill Williamson

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Two professors of writing and design share strategies for effectively and ethically implementing generative AI into teaching and learning. We answer listener questions. We talk to students, faculty, and whoever else comes to the table.
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In Position

Temitope Alabi

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No man is a lone island, that's part of God's design. He saw it fit for us to be unified in interdependency such that what we have is a resource for someone else. God has given us assignments to fulfill the mandate of establishing His kingdom here on the earth. Are you in your rightful place to carry that out? Are you in position? The goal of this podcast is to equip you with what you need to get in alignment with God's will. It's time to take your rightful place, people are connected to the ...
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Economics is a game you should know how to play. And once you get the fundamental concepts, you start to see it everywhere: the news, the supermarket and even your dating life. So it's time to learn the rules. Planet Money Summer School is a crash course in economics for your ears. See the world through the lens of an economist and you'll start to feel a little less overwhelmed when making financial decisions. And if you're in front of the classroom? Teachers, this is made for you, too. Let ...
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A raw, Holy Spirit-led podcast for women pursuing Godly marriages. Discover God's original design, the true role of a wife, and the heart work that transforms relationships from the inside out. What happens when you ask God, "What are we going to do about the state of marriages today?" For me, Roserbie, that question became an assignment—and Dear Diaries: Wife School was born. This isn’t just another marriage podcast. It’s a deep, unfiltered dive into God's original design for marriage and t ...
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CEO / Founder, Aann Baker Sword sisters Alliance Ministries Leadership has always been a present gift even as a child in AAnn Baker’s earth journey. In the year 2005, God gave Aann her next assignment to form, organize and launch the ‘Sword Sisters Alliance Ministries’ Sword Sisters Alliance Ministries offers service to leaders of the faith within diverse arenas and developing new leadership hearts called to build God’s kingdom by loving God’s most precious creation, ‘Humanity.’ The services ...
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Making Conversation is where creativity meets real talk. We’re all about celebrating the makers, fiber artists, and creatives who bring their unique stories to the table—no matter the medium. From knitting to crocheting to spinning, each episode dives into the passions, challenges, and journeys that drive their creative work. We get to know the people behind the projects, exploring the funny, heartfelt, and inspiring moments you won’t find just scrolling through their social media. Along the ...
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The New Podcast for Christian Women Who Want to be Holistically Healthy and Free to Fulfill their Purpose! Are you tired of food controlling you instead of having self-control when it comes to food? Have you been diagnosed with a food-related health condition and you have no idea how you got to this point OR how to reverse it? Are your workouts helping you to get stronger in order to fulfill your Kingdom assignment or leaving you drained and discouraged? Do you wish there was a simple holist ...
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Are you constantly juggling tasks, trying to keep your life organized, and searching for ways to make your day-to-day routine more efficient? Krak App might be the solution you’ve been looking for. With an intuitive interface and powerful features, this app helps users stay on top of their schedules, tasks, and projects with ease. And the best part? You can start using it today with an instant $10 bonus when you sign up using the referral code “@GET10”. What is Krak App? Krak App is a compre ...
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On this episode, Josh Goldberg dives into the Toronto Blue Jays' first major offseason acquisition with the signing of Dylan Cease to a seven-year, $210M contract. We dive into how Cease fits into the rotation, what makes his stuff so elite, and what the Blue Jays might look to do next. Hosted on Acast. See acast.com/privacy for more information.…
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On this episode of the Three-Inning Save podcast, we usher in the official start of the MLB offseason. Seven Dodgers became free agents on November 2, the morning after the World Series, including Kiké Hernández, Miguel Rojas, and a retiring Clayton Kershaw. Max Muncy ($10 million) and Alex Vesia ($3.65 million) had their club options exercised by …
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Matt Cevtic is present at a communist cell meeting that is taking place in the home of cell leader David Bowden. Bowden says "Good news, comrades, delightful news. A plum has been chosen for our exalted cause, a ripe juicy plum. His name? The name of our plum, the irony delights me, simply delights me. His name is Jules Jordan". Someone from the cr…
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The Durbin Castle Steamship is ninety miles out to sea, off the coast of Africa, on route between Cape Town and South Hampton. Captain Arthur Patey asks his helmsman "What are we making?" Helmsman says "Just under 18 knots, sir". Captain says "Good. What is the temperature?" Helmsman says "81 degrees, sir". Captain says "Not too bad for the tropics…
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What’s awesome? The trend of lifelong learning. And in this age of emerging AI disruption and uncertainty, it seems to be catching on. Later - Not awesome: Paying expenses for your adult children when it impacts your own financial well-being over time. How prevalent is this practice? Clark shares some surprising statistics. Life Is For Learning: Se…
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Detective Sergeants Joe Friday and Ben Romero are working the night watch out of Bunko Fugitive Detail. Returning from Communications, Friday arrived at Room 38, the Squad Room, at 6:45 PM. Romero was already there. Friday says "How about some dinner? Romero says "Well, we got one to check out first. Here's the teletype". Friday reads "Pick up and …
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Randy Stone, reporter for the Chicago Star, is walking in the north side of Chicago looking for a story. At first, he hears a single police siren at some distance away. Then, he hears another, and another. The number of sirens kept increasing to the point that it seem that the entire police force were converging to a single area. Then, one police c…
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50-Year Mortgage: Game Changer or Gimmick? & the Key to Winning a 401(k) Wes Moss dives into the new 50-year mortgage, which he calls a gimmick but sees one potential benefit. Since ownership is key to financial security and the median home-buying age is rising, the concept of starting the equity journey sooner is good. However, Wes and Christa tal…
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Steve Mitchell is going into the Commissioner's office as Ruth says "Well, here he is Commissioner". Steve says "Thanks, Ruth. Well, what's the deal Commissioner?" He says "Take a look at this map of Eastern Europe, Steve. This country right here". Steve asks "What about it?" Commissioner says "Politically, it's being torn apart. There are two majo…
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It's late on a Sunday night in New York and Mark Potter, a local gambler, is driving home after hitting a few of the night spots when a large sedan pulls alongside his car on a deserted street. Potter pulls over to let the sedan pass by, but instead of passing, it starts crowding him and forcing him toward the curb. Mark says "Hey, what's the idea?…
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We hope you had a great Thanksgiving holiday and spent time with loved ones. Something many of us are not loving - the cost of homeowner’s insurance. But there is something many of us are overlooking - whether we have ENOUGH homeowner’s insurance. Also - is there someone on your holiday list who has a thing for luxury brands? You don’t have to pay …
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At exactly 9:13 AM on Wednesday, April 16th, the French Freighter Grande Champe carrying a highly explosive cargo of ammonium nitrate fertilizer blew up in the harbor of Texas City, Texas. It was the first in a chain of explosions as chemical plants, tin smelters, and oil refineries disappeared in blasts and flames. Shortly after 1:00 AM the next m…
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Chuck Morgan, radio newscaster in Los Angeles, is looking at a copy of the L.A. Times, when he sees a picture of a man he was familiar with from New York. Chuck remembered seeing him in a New York courtroom. His name at the time had been Ivan Rolinsky, and he was a communist. Chuck remembered hearing a judge sentence Rolinsky to five years imprison…
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Detective Danny Clover is called to a particular park bench in Central Park, New York. A crowd of onlookers is forming. Sergeant Muggerman is already on the scene. Muggerman says "Over here, Danny. Right there near the bench". A young boy says "I found the knife. I didn't pick it up". Danny says to Muggerman "Who is the boy?" The boy says "I'm Paul…
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In Nick Carter's office, Nick and Patsy are interviewing a stranger, a young man who has just called to consult Nick. Nick asks "How did you happen to come here?" The young man says "Well, I asked a policeman where I could find a good detective and he gave me your name". Patsy says "Suppose you tell us what's bothering you". The young man says "Wel…
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Russell Gordon, president of the Gordon Electrical Appliance Company, is having business and financial difficulties. The main issue is in regards to a business loan he received from the Seaboard National Bank in the amount of 100 thousand dollars. Knowing that he cannot repay the loan by the due date, He called Mr. Greg Schaefer at the bank and ask…
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Joe Hillary and Tom Duncan are on an ivory hunting expedition in Africa. At the end of a very successful day, they find themselves quite a distance from their base camp. Joe says "Tom. we might as well rest here for a little bit. No sense in trying to make it all the way back to camp tonight". Tom says "Yeah, whatever you say Joe. Funny thing about…
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On October 7th, 2023, innocent lives were targeted and destroyed in ways most could never imagine. In this episode, Pastor Allen Jackson and Lt. Col. Keith Isaacson, chief of security for the Eshkol region on Israel’s Gaza border, reveal the untold horrors and the chilling reality of what took place. Shockingly, some of the worst atrocities were no…
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Happy Thanksgiving Weekend! Please enjoy this Special Best Of Birthday episode from last June. Clark returns December 1st with new ways to Save More, Spend Less and Avoid Getting Ripped Off! About Clark Howard + A Special Birthday Edition of Clark Stinks Today we celebrate Clark Howard’s birthday and the many accomplishments he’s inspired - startin…
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Peter Troy was visited by Miss Suzanne Perot, a French lady that was hosting a fashion show. Miss Perot says "So, you are the adorable Peter Troy, no?" Troy says "No, I mean sure I'm Peter Troy ma'am. Oh and this is my secretary, Julie Summers. Miss Perot says "Ah, you have a headache, Miss Summers?" Julie says "A headache, no. Why?" Miss Perot say…
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Clark shares a warning about booking any future travel, whether it’s a cruise, rental house, tour or flight - and has two specific guidelines to help protect your money. Also - Vehicles have become increasingly expensive. The average cost for a new automobile has reached an all time high. Know the Clark smart strategies for car buyers. Travel Booki…
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David Harding, in the Counterspy Headquarters in Washington, receives an urgent message from the Buenos Aries Embassy that an enemy agent, named Ivor Sanderson, has just booked a flight to northern Mexico. Later, Harding receives a message from the Counterspy field office in Nuevo Laredo that a man answering Ivor Sanderson's description just got of…
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Superintendent Thomas Meredith was unable to accompany Inspector Cecile Daly of the CID when he went down to the Pembridge Court Hotel, Notting Hill, that Friday morning to investigate the reported death of a guest. When Meredith finally arrived there, two and a half hours later, he was glad he hadn't got there before. Inspector Daly told him all a…
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Not all of the twelve thousand people working with the Office of Strategic Services parachuted into enemy territory. Some of them stayed in Washington, creating secret codes. Others, like Sergeant Irwin Hazen, sat behind a desk in France and drew maps. Before the war, Irwin Hazen was, of all things, an illustrator of comic books. However, his talen…
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In the small town of Valley Junction, Silas Gardener's General Store is open for business. Harry Wells, the local bus driver, walks in and says "Howdy, Si". Silas says "Morning Harry. How's that bus of yours? Still all in one piece?" Harry says "Well, far as you can tell, in one look, it's all in one piece. But I wouldn't want to have to pay a doll…
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Philippians 2:1-2 AMPC “SO BY whatever [appeal to you there is in our mutual dwelling in Christ, by whatever] strengthening and consoling and encouraging [our relationship] in Him [affords], by whatever persuasive incentive there is in love, by whatever participation in the [Holy] Spirit [we share], and by whatever depth of affection and compassion…
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We’re starting out this holiday week talking about one of Clark’s great loves - warehouse clubs. Clark discusses how the warehouse club business model works to offer consumers lower prices & how the big three are dominating sales. Also - With AI perfecting voice cloning and all types of scams in general, there’s now a necessary step for every famil…
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Sherlock Holmes is awakening Dr Watson. Holmes says "Watson, Watson old man". Watson says "Good Heavens, Holmes. It is a quarter past seven. What on earth is going on?" Holmes says "A client, Watson. A client in a considerable state of excitement". Watson asks "But, who? Why is there worry?" Holmes says "The who, is a young lady. As to the why, whe…
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A man named Rabat is insisting that he speak with the Ambassador Voltas at the embassy in Thailand. The Ambassador's secretary, Anna says "I'm sorry but his Excellency is engaged at the moment". Rabat asks "You are his secretary?" Anna says "I am". Rabat says "Then I must tell you this is a matter of life and death". Anna asks "To what does it refe…
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Lieutenant Ben Guthrie escorts Mr. Polo to the viewing area of the police line-up for the identification of the suspect in the murder of Leon Krug, a member of the local syndicate. Mr. Polo identifies the third man in the row, Dennis Haddock, as the man who killed Krug with a knife in the local park. Guthrie says "Sergeant Grebb, hold number three …
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A few days before Christmas, Philip Marlowe, feeling tired of the low pay of his profession, decided to write a story about murder, based upon his personal experiences as a Private Detective. Once the story was complete, he sent it to Kingsby Publications. A few days later, he received a response from a guy named "A. Fromsett" at the company, who w…
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Have you ever witnessed a miracle? In this episode, Pastor Allen and his father, George Jackson, discuss the moments when God brought healing to their family and intervened in ways they could never have predicted. Their family’s journey wasn’t defined by comfort or certainty, but by relying on God through medical crises, unexpected turns, and encou…
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, auto thefts are down, but some vehicles are bigger targets for theft than others - and they’re probably not the models you’d expect. Do you have a car that is more likely to be stolen? Clark Stinks: Segments 1 & 2 Prevent Auto…
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George answers the ringing telephone in his office. The voice on the line says "You want a story?" George says "Hold it, will you? Who is this?" The voice says "My name is Jerry Huell. I'm a writer and I have a story". George says "Yeah, well, this is George Valentine and I'm not a publisher". Jerry says "Please listen to me. You've got to meet me …
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Mitch and Paula are outside the Colby Mansion discussing their own plans for the upcoming party. Paula asks "Well, how do you like it?" Mitch says "I like it". Paula says "I thought you might. Is it fancy enough for you?" Mitch says "Enough. Hey, it's quite a shindig in there". Paula says "It's a Going Away party for Mr. Colby. Sorry, I can't ask y…
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David Parker awoke to find himself in unfamiliar circumstances. He sat up and opened his eyes. He was outdoors, the fog was thick all around. He could see trees and a few yards of dirt road. Just then, he noticed his watch was gone, along with his wallet. He said to himself "I must have been rolled and dumped. But where?" He scrambled to my feet an…
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Thanksgiving is upon us and the expense can get crazy. Clark shares ways to spend less on the family feast. Later - you may be charged more when purchasing online because of the WAY you shop, among other factors. How do you know you’re getting the best price? Clark explains “surveillance pricing” and money saving tricks of the trade. Plus, at the v…
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It is midnight and the Blue Note Cafe is doing its usual brisk business. From the service end of the bar, a waiter named Walter calls over Ethelbert, the head bartender. Ethelbert says "What do you want, Walter?" He says "The guy at that table next to the wall wants another drink, but I'd say he's had too much already". Ethelbert says "You better c…
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Janet Drew and her ex-husband Donald Drew have been battling In a New York City courtroom for custody of their son. They are now standing in front of the judge, awaiting his verdict. The judge says "I award complete custody of the young son to Mr. Donald Drew". Janet says "No, you can't do that!" The judge says "Mrs. Drew, I based this decision on …
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The Ultimate Inheritance for Your Kids and Will AI Actually Create More Jobs? In this episode, Wes Moss shares the real-life story of a couple who is wrestling with the common parental dilemma of whether to pay off their son's significant student debt. While the urge to help is strong, Wes breaks down the financial reality, explaining why protectin…
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Henry Drake sits in his big office staring out over the smoking stacks of his busy factory. Production is at its peak. The demands of the past year have brought untold problems to his desk and placed heavy loads upon his shoulders. He and his partner, Philip Putnam, had started this factory five years ago and built it into a smooth running highly p…
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We are in the height of the charitable solicitation season. How do you know what charities are going to use your money in a responsible way? Clark has some guidance for making sure your charity counts. Also, there are value wars happening in the food world that can help you spend less - IF you know how to find the deals. Holiday Giving: Segment 1 A…
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Philip Marlowe is spending the afternoon in a Turkish bath, being worked over by a masseuse named Nick, when the phone rings. He picks it up and says "Yeah? Marlowe speaking". The voice on the line says "My name is Sidney Vanetta, Mr. Marlowe. I've tried all afternoon to reach you". Marlowe says "What can I do for you, Mr. Vanetta?" He says "I've a…
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Ken Thurston is called to a meeting in New York with his supervisor, Chief of the U.S. Intelligence Agency. Also present in this meeting is Dr. Markov, eminent nuclear scientist. As Ken enters the office, he says "Dr. Markov, good to see you again". Markov says "Mr. Thurston, I cannot tell you how grateful I am to you and the chief". Ken says "You …
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Larry is at the front door to Ellen and Ricki's apartment. Ricki opens the door and says "Oh, hello, Larry" Larry says "Hello Ricki, is Ellen home?" Ricki says "My darling roommate should be here any minute. Come on in. Ellen's boss is away on her vacation. I guess that's why she's late. She is running Mead & Company's payroll department herself th…
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Barrie Craig, in his latest assignment as a confidential investigator, found himself in a situation where he was standing outside, in a drafty doorway in the rain, watching a house across the street. All he had to do was wait in the doorway until a man named Sam Jenkins made an appearance, then go home. The next morning he was to type up a report t…
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