This is my pleasure to welcome you to the Clark Howard Show, where it's about you learning

ways to keep more of what you make.

Coming up in a few minutes in today's Clark Greatest Moment, you hear me say how much

I appreciate the efforts, the sacrifices, the bravery of people who serve in the U.S.

area.

Well let me tell you, I have a whole different opinion of people who falsely trade on the

reputation of the bravery of our veterans.

I'll fill you in in the Clark Ridge.

And later there's a shift going on in what you're going to pay for consumer goods.

That's anything you buy like paper products, food items, whatever, household goods, health

and beauty aids.

There's a key shift that is taking place that could either really eat it your wallet or

could fatten it.

And I'm going to fill you in on what you need to know.

Now, one of the most difficult things, any individual faces or small business faces,

is how to handle getting health coverage.

Health coverage is one of the largest challenges for small businesses.

The most difficult right now is finding workers for small businesses.

But right on the heels of that is how to provide for health coverage for the business owner

and how or if to provide health coverage to the businesses and employees.

Small business gets to a certain size.

It's a voluntary thing for a business, but it can be a complete budget buster.

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