Hello Ho Ho! Here's an important message from Network Rail for anyone who's travelling

by train this Christmas and New Year. We'll be working over the festive period to make

improvements to the railway. Most of the network remains open, but some train services

will be affected from Sunday 25 December until Monday 2 January. So, to keep your festive

plans on track, please check before you travel at nationalrail.co.uk slash Christmas.

It's my pleasure to welcome you to the Clark Howard Show. Our mission is to serve you and

empower you to make better financial decisions in your life. This episode, we're going

to talk about insurance. We're all seeing our premiums rise for various types of insurance.

We have to talk about what you can do to lower your costs. And later, I've actually got

some good news on what has been a shrinking middle class in the United States for the

last 50 years. There's some things that are actually promising out there. So, one thing

you should be happy with is you don't own a home in Florida if you live somewhere else

in the 49 states because the homeowner's insurance market in Florida is so broken, so messed

up and you got hurricanes which we can't control. And then we've got human factors in the

state of Florida that have just demolished the incentive for any insurer to be there.

And the state legislature in Florida has let the people of Florida down by not dealing

with the fraud that has totally infested the homeowner's insurance market in the state

of Florida with all the phony roofing claims and all the other phony claims that lobbyists

for various industries have worked their magic with the legislators. And who do they

listen to? They listen to who gives them the money and they've sold you as a Florida

homeowner down the river. Got to fix this. But not just Florida is having a problem with

homeowner's insurance. Not just anywhere in America, everywhere is having a problem

...