I think that the holidays feel like frozen noses. I love walking with the dog for long periods of time.

Hopefully it's snowing and you've got to wrap up warm. So I think a frozen nose is

then sweaty armpits because like you're wrapped up so warm but then you're climbing hamps

and heath and you get to the top and you're like and then you can see the breath

but then your nose is still freezing to touch.

Joy in every sip with red cups now back at Starbucks.

It's my pleasure to welcome you to the Clark Howard Show where our mission is to serve you

and empower you so you make better financial decisions in your life.

Was Friday? You know what that means? I get to hear about well my faults in the weekly Clark

Stink segment and later I've got an actually fantastic story to share with you about an apple

air tag being used to catch a bad character and I talked about the bad that's occurring with

the apple air tags is important I talk about the reverse too and speaking of that

you know people are both bad and good and I've got both in me and we get to hear about the bad

in me right now don't we? We sure do. I should have never encouraged you to speak. You know

much think I'm pretty stupid. You should be ashamed of yourself. Well maybe I'm wrong maybe I'm

wrong. Maybe you're right now.

I think Clark generalized a bit too much when talking about life insurance from employers.

He recommended everyone should avoid it and buy their own term life insurance that

highly depends on what your employer is offering. I get coverage for 12 times my salary for a reasonable

price. I got quotes for a private term life for the same amount of coverage and I would end up

paying between 20 to 100 percent more than I pay now Sebastian. Sebastian that's fantastic that

your employer offers such a deal and I should say I was so strident when I was talking about

...