The following program is a podcast one.com production.

I'm so glad you're with us on the Clark Howard show where it's about you learning ways to

keep more of what you make.

You can follow me at facebook.com slash Clark Howard.

Clark.com's our website.

When you have a question for me, Clark.com slash ask.

If you have a baby on the way or your family or friends, maybe a grand baby on the way,

there's a lot of new gadgets out there that parents think they have to have.

Most of them are actually Clark Rages.

I'm going to fill you in on how not to waste your money in just 20 minutes.

Coming up in a half hour, how many times have I had somebody say to me, well I went to

the BBB website and the business had a great rating, is the BBB the gold standard that

you should live by?

Well obviously when I ask the question, you can guess the answer coming your way in just

a half hour.

I want to talk about something that has been a problem in the US ever since we started

recovering from the housing bust and that is the first time home buyer market has been

pretty dead.

There's stirrings now that first time home buyer market is doing a little better but still

it's been tough for people trying to buy a first home and nothing has made it tougher

than the credit standards that are being used to qualify people.

Now I want to take you back in time because last decade, the requirement to qualify for

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