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. Our mission is to serve you and empower you

so you make better financial decisions in your life. I need to tell you that we're not posting an

episode on Monday, Presidents Day, but we'll be back with you on Tuesday. But enough about that

because why are we here today? It's Clark Stinks time. My favorite part of the week and later

another my favorite things is travel. I've got very specific advice for you on your summer

vacation this summer that's different than any other summer I can recall talking about.

But without further ado it's time for your feedback to me where you feel my answers were lame,

incomplete or advice you've heard from me is just flat out wrong.

I should have never encouraged you to speak. You know what you think I'm pretty stupid.

You should be ashamed of yourself. Well maybe I'm wrong, maybe I'm wrong.

Maybe you're right, pal.

Let's get right into it Clark. Here's the first one. The question from a listener about how she could

find a student loan that is safe and respectable because the fafs of money she was expected to

provide was outrageous. Clark never tried to answer the question and told the story about how he

paid for college by working full time and went to night school. While I respect how Clark did

this and unfortunately does not fit all situations. I have a daughter who aspires to become a pharmacist

...